Best way to mock a credit-card charge while developing?

Hello! I’m attempting to mock a product upgrade that will charge a user for the full amount at the time of upgrading. There is an issue with using a different card, and I need to test locally that a user successfully gets charged for the amount with the correct access.

I don’t want to use a personal card or business card, because the amount is substantial. Anyone have any experience with this?

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I have a test account that I use in such occassions. The test account allows any charge to Visa 4111-1111-1111-1111 to go through and register as charged, but it doesn’t actually charge anything.