Our solutions

XMLdation is a global service provider of XML management, end-to-end testing and simulation services for payment-related XML messages. Our innovative services assist banks, e-invoicing providers, clearing houses, financial software vendors, corporates, etc. in the migration, implementation and maintenance of XML transactions worldwide.
Our services bring about a comprehensive set of solutions to the issues related to testing and maintenance of XML schemas and business rules, API/JSON testing, and semi-automated or automated testing procedures. This is enabled by our wide expertise attained since the early days of the SEPA migration.


myXML - message management with ease

XMLdation myXML, the most advanced XML Management platform in the market, is a management platform for transaction-related XML definitions, enabling banks to build and maintain specific rules on a centralised and flexible platform. The service provides features for maintenance, version management, and distribution of business rules and format definitions inside XMLdation’s cloud environment, making every change instantly available for the users.

myXML can further be integrated with our Validator and Simulator services and enhanced with automated test and example file generation, documentation and life cycle management. We at XMLdation are confident to provide a complete solution for our customers’ needs to simplify their XML management.

The service responds to the growing need to speed up the onboarding of corporate customers during the integration with their systems. Streamlining the work-intensive routine tasks of format management and documentation, myXML saves time and costs for banks and their customers, and subsequently improves their employee’s job motivation.

Best possible customer service

For banks, myXML eliminates the need to maintain various documentation processes for file specifications and proprietary business or country rules. The service simplifies the maintenance of different versions and significantly reduces the complexity of managing the documentation, including many time-consuming customer service routines.

Giving customers access to XMLdation’s state-of-the-art tools and services is a competitive advantage for the bank as it speeds up integration projects and improves customer satisfaction.

Significantly simplified workflows

Corporate customers benefit from the centralized XML management through easy access to standardized specifications and Message Implementation Guidelines (MIG). myXML service automatically generates all required documents from the schemas stored in the database; changes and version differences can easily be accessed through the integrated lifecycle management tools.

In addition to being a user-friendly platform for all tasks related to XML management, myXML integrates smoothly with XMLdation’s well-proven Validator and Simulator. Serving as a backend system for these services, myXML gives the customer’s experts direct access to the internals of its validation pipes: schemas stored in myXML can be used directly in validation and simulation tasks that significantly cut integration projects’ timeframe.


  • Easy-to-use rule management with intuitive developer user interface for XSD, business rules, external code lists, and libraries
  • Integrated lifecycle management
  • Documentation engine with automated Implementation Guide generation
  • Generation of rule-based test and example files
  • Seamless integration with the XMLdation Validator and Simulator services 


  • Reduced complexity in maintenance and documentation of XML schemas
  • Cloud-based multi-user environment for streamlined XML management
  • Easy access to always up-to-dated documentation
  • Direct generation of example and test files; integration with testing services

Tested by XMLdation - Validator and Simulator

Developed and enhanced over half a decade for the needs of the most demanding European banks, e-invoicing providers and corporates, our Validator and Simulator services are the backbone of our offering.

We provide validation and simulation engines that eliminate the need for manual testing of XML message flows. This will help to keep our customers’ costs down and quality up in time-critical implementation projects while simultaneously radically cutting monotonous work and consequently increasing job motivation.

XMLdation Validator

XML Validator® is a fully secured cloud based service with real-time automatic feedback. XMLdation service validates and tests payment-related ISO 20022 XML files, such as SEPA Credit Transfer, SEPA Direct Debit, non-euro (International payments), PACS Messages and XML e-invoices.

In addition for validating simple structure and syntax defined by the XML schemas, XML Validator® also fully supports bank-specific business rules and business logic. The service is a multi-country solution, which enables banks also to serve multinational corporates which have XML payment projects ongoing worldwide.

The validated transaction types will be implemented together with the bank. During workshops the bank will verify the quality of the validation pipes together with XMLdation experts.


XMLdation Validator® is an automated validation service with a range of features:

  • Informative error report with wiki links (example PDF report)

  • Validation and testing according to Bank-specific implementation guide

  • Validation per instrument and payment service type

  • Reports combined with Wiki provide learning tool for problem solving

  • Wiki information service

  • Easy-to-use

The service is accessible directly in the browser whenever the developer is facing the need to validate XML output or can be fully integrated into on-premise workflows by downloading validation components (Java Archives, .jar) for local deployment.

XMLdation Wiki - a new way to share information

XMLdation Wiki enables banks to offer not only schema-level error clarification but also deliver information regarding business rules and errors. In combination with the user-friendly validation reports, the Wiki assists bank customers in their SEPA testing and migration.

Information is provided on three different levels:

  1. Error: informs the user that the bank will reject this payment message due to errors
  2. Notice: informs the user that there is a non-critical mistake in the message, but still recommends to fix it
  3. Info: additional useful information shared by the bank with the user

Wiki information is bank-specific and ca freely be modified by the bank personnel.

The XMLdation Wiki can be found from http://wiki.xmldation.com


XMLdation Simulator

Integrated end-to-end testing covers the entire event, from first initiation to the reception of the bank-specific response message. Our Simulator is a software service used to simulate banks’ responses and feedback after corporate customers send XML messages to the bank. Feedback can be generated based on various scenarios, implemented according to the bank's own rules.

Using a specialized end-to-end simulation service instead of manually testing against the system of a bank can significantly decrease development times and provide a solid base for future integrations of other payment providers or new processes.

Simulating the whole process

To reach entire end-to-end process and STP (Straight Through Processing) automation, the bank’s customers have to implement also bank-to-customer reporting, such as account statements (camt.053, MT940 or similar), payment status reports (pain.002, pacs.002), debit and credit notifications (camt.054).
XMLdation Simulator supports these efforts. Simulator generates bank-specific reporting messages which can be based on e.g. ISO 20022 XML or SWIFT MT standards. Also R-message reporting is supported. Moreover, visualization with bank’s own logos and labels can give final exclusive touch to Simulator reports.

Less work, satisfied customers

With XMLdation Simulator, banks can achieve several benefits:

  • Ability to offer a test environment for the entire end-to-end cash flow process between the corporate and the bank

  • Increased customer satisfaction due to the real-time service, available 24/7

  • No need for separate test accounts or specific test slots, as the service is not linked to production environments

  • Customers can use their own payment files or enter transactions manually

Banks can facilitate their customers to start XML reporting faster with Simulator, and consequently decrease the complexity of reporting over time as global migration to XML is accelerating. Even bank-specific flavours and requirements can be rapidly and effectively implemented.

XML Professional Services - experts by your side

XMLdation has attained wide and in-depth expertise in XML during our multiple implementation projects since 2009. We are offering consulting services to our customers’ XML development and management projects, XMLdation Professional Services. We use various tool sets to support the build-up of services according to the customer needs.
Our consultation for customer XML development and management projects includes for instance:
  • helping to achieve CGI-MP compliance
  • consulting conversion logic creation
  • enhancing banks’ Message Implemention Guide (MIG) content
  • documentation
  • XML manipulation and transformation project
  • conversion projects
We use our own service and tools to support our work during XML Professional Services assignments:
  • Validation libraries for internal integration
  • Diff-tool to analyze difference between two XML files
  • XML file transformation
  • XML File splitting
  • XML test file generation and process testing
Some example projects:
  • CGI-MP compliance project for a bank in multi country enviroment
  • legacy payment file conversion to SEPA XML pain.001
  • legacy account statement information covnversion to camt.054
  • cancelation file creation to clearing


We understand your business needs: Based on constant innovation, in dialogue with our users, XMLdation services provide a wide range of additional features supporting the business of our clients.

XS2A / JSON testing

JSON, a powerful format for information exchange is the de-facto standard in most mobile applications, the internet of things and wherever simple data interfaces are needed. Just like XML, JSON-based transactions are based on schemas and rules, making the XMLdation validation and testing services a perfect choice in the mobile context as well.

API Sandbox

Our cloud platform combines syntax, schema and business rule validation with the simulated return of valid response messages from a bank’s production system. The payload of JSON messages is validated and, for valid messages, the API response is simulated based on rules defining its behavior. In case the JSON message does not validate, the return message contains a specific error description and suggestions to fix it.


  • Reduced support effort for APIs

  • Reduced dependencies on internal R&D projects

  • Easy integration (Jar)

Read more:

Test file generation

myXML, the innovative XML management service by XMLdation, is based on the definitions of schemas and business rules applied in a production system. The structured repository of all rules applicable to a set of transactions enables the user to create a wide range of test files with a single click; test files can be recreated with almost no effort after even the smallest changes in the specifications.

Already during their setup, rules are stored along with instructions for necessary test cases, outlining required test cases. The system then uses these pre-defined scenarios to create test messages, containing either a set of files with all valid combinations of data or a batch of erroneous test files. While the latter is the most labor-intensive part with manually assembled test files, XMLdation’s service is able to create a range of test files of unpreceded depth – allowing for the most thorough testing possible.

The solution is even more versatile when test file generation is being integrated with a bank’s production process. When integrated through the XMLdation API, a bank's systems may poll the XML management system for the latest test files in a scripted process. Such setup allows to run fully automated tests on a regular basis without any human intervention. Seamless integration with XMLdation’s Validator is also possible.

Self-service registration

Banks providing their customers with access to XMLdation’s services benefit from a flexible licensing model.

The bank provides access tokens to their customers, enabling self-service registration of a user account. User activation is instant, with no waiting times for the customer, since access rights have been pre-approved during token generation. Once registered, customers can start using the service immediately.

XMLdation Wiki: a new way to share information

XMLdation Wiki enables banks to offer not only schema-level error clarification but also deliver information regarding business rules and errors. In combination with the user-friendly validation reports, the Wiki assists bank customers in their SEPA testing and migration.

Information is provided on three different levels:
  • Error: informs the user that the bank will reject this payment message due to errors
  • Notice: informs the user that there is a non-critical mistake in the message, but still recommends to fix it
  • Info: additional useful information shared by the bank with the user
Wiki information is bank-specific and ca freely be modified by the bank personnel.

The XMLdation Wiki can be found from http://wiki.xmldation.com

Reusable rule libraries and external value repositories

We pride ourselves in taking the complexity out of otherwise tedious message management tasks. Two features that are at the core of that philosophy are reusable libraries to eliminate the need to specify the same thing twice, and the inclusion of external value repositories to include distributed specifications defined elsewhere.

Reusable rule libraries

XMLdation services utilize reusable rule libraries for validation and test file generation rules. These are created in an easy-to-learn language (OCL) and contain specifications how each field of a message has to be validated and what messages to output, as well as the definitions what variants of test files to create for the corresponding field.

External value repositories

Not all definitions applicable to payment XML messages are available from one place. With the standard permitting market actors to define their own lists of valid values for specific transactions, the complexity of the specifications involved lead to a sometimes complicated jigsaw puzzle of guidelines distributed over various locations. To work efficiently with ISO 20022 XML, and for its validation and all forms of process simulation in particular, platforms aggregating information from distributed sources promise valuable performance benefits.

Bridging experience with your own data

XMLdation services are designed with maximum applicability in mind. Various features allow you to make use of existing specifications seamlessly (e.g. by integrating external value repositories with our services) or by exporting software components (Java Archives, .jar) for deployment in your own environment in order to be able to use local data for validation and test file generation.

Monitoring and user statistics

When granting your customers access to our advanced self-service features, your company's admin user has access to rich analytics and monitoring tools. While the major share of onboarding tasks can be carried out by the users with no further personal contact, the monitoring capabilities help to see how the tools have been used and provide tailored advice in situations where users ask for assistance.

White labeling

Banks who want to provide their corporate customers with superior service and speed up the on-boarding of their clients have been trusting XMLdation’s cloud-based services for many years. Customers access the validation and simulation services whenever they need them.

By default, the XMLdation user interfaces are designed for maximum usability and user friendliness, featuring an unobtrusively designed interface based on the XMLdation brand. All interfaces can be white labeled applying the brand guidelines of a bank with minimial effort, to streamline the customer service experience and integrate the service into the look and feel of the bank.
Logos and colors can be modified as well as the design of print-out reports; bank-specific disclaimers can be added where needed and even the URL of the service can be fully customized to appear as the bank’s own service.
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