Need a real CC to test. Right there makes me lose respect for shopify if true. Even stripe let's you test :)

Not sure if I'm missing something but the way I'd always test orders is generate some 100% discount. You don't need any payment info then. I only ever needed a CC if I wanted to actually test something relating to payment. And on test stores you can mock a CC

That's a good way too for most cases. Unless you need there to be an amount