I have decided to postpone the launch of my company until I know I have something worthy of making such an investment. I want to make sure people will be willing to pay and that I have some numbers to analyze before bootstrapping it any longer. Thanks for helping!
If you're asking about processing point-of-sale payments, have you considered using the smart phone tools available from Square, PayPal or QuickBooks? You don't need to have a formal business entity structure to use these. A sole proprietorship is a viable business model to conduct some sales and test payments.
Depending on the size of your test you could always establish a "TEST" account with a gateway/payments provider that understands this is a primary step for your proof of concept.
If I understand your question correctly, you could test with Stripe or PayPal without any extensive development, cost, or commitment. Otherwise, you could just use a secured form to test conversion.