Use <b> testvendor</b> as <b>Vendor Name</b> for the testing purposes<br /><p><b>PAYMENT</b> - transaction type is used to gain an authorisation from the bank, then settle that transaction early the following morning, committing the funds to be taken from your customer's card.<br /></p><p><b>DEFERRED</b> - transactions are NOT sent to the bank for completion until you RELEASE them by logging into the SagePay VSP Admin interface, finding the transaction and clicking the Release button.</p>