If you think Spreedly could be a fit for your business, you can sign up for a risk free trial and test free for 30 days. You'll need to be a developer familiar with API's or have one on hand in order to test with Spreedly.
The Spreedly Test gateway acts and behaves just like a production gateway and supports both direct and offsite gateway functionality as well as 3D Secure and bank accounts. Once you have your integration working with test data, it should work seamlessly with production gateways and real payment types.
When you're ready to start testing, you can sign up here.