anybody know any website which provide username password and api url so i can configure it with my application for testing perpose
If it's for testing, use testnet. It has a much smaller blockchain.
Yes to the testnet local.
If you don't want to do testnet any of the BTC clone / shitcoins wallets should be easy enough to test on so long as their codebase is close to current core.
Keep in mind that if you are dealing with peoples money you really should be running your own server, since if the service you are using has an issue then YOU have an issue.
-Dave