I still got caught when I did that once. $1 worked just fine. The first real customer $249 charge failed. :-(

Test in production. Do real dollar value tests. If you can test with different cards with different security levels, try a Visa 3D Secure and a 2FA Amex charge. Personally I do them and then get reimbursed (or do them directly on a company credit card) rather than start out a production payment history with refunds, not sure if that matters but I figure if it does it's got to be a bad signal so I may as well avoid it.