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Payment Testing, Simulation and Validation 

 XMLdation delivers Testing as a Service solutions in cloud, designed for banks and operators of payment market infrastructure. These self-service solutions ensure resilience and quality in payment systems through repeatable and automated test processes, and streamline on-boarding to new payment schemes and formats. Our solutions are all based on the Simo® platform developed by XMLdation. The platform natively supports ISO 20022, JSON APIs and many other technical standards.

The test solutions are designed to simplify payments testing across the value chain: for Banks and their Fintech and Corporate clients, and for Payment Market Infrastructures and their bank and non-bank participants.

Why XMLdation?

Our company:

  • Payment experts with deep knowledge of payments messaging

  • Global experience

  • Understand bank and payment market infrastructure needs

  • ISO 27001 certified and DORA compliant

Our Simo® platform:

  • Single payments-aware platform supporting all our test products 
  • Designed for low-touch, self-service, end-to-end testing
  • Born in cloud for ISO 20022, and also runs on premise
  • Configurable for different market practices and any file format

Automating to reduce effort and cost globally -
reduce risk, improve customer experience, go live faster

filetesting 2024

Simo Payment File Testing

Accelerate onboarding and improve client experience

Automate validation of payment files and financial messages to ensure correctness from day one

  • Reduced effort for bank support team
  • Faster client on-boarding and migration
  • Improved client experience and more successful projects

Ideal for banks onboarding and migrating corporates and partners to file channel payment services

 

bank 2024

Simo Rail

End-to-end testing across payment rails with a Virtual Buddy Bank

Rail-native testing with end-to-end visibility of payments

  • 24/7 self-service, no coordination with other banks 
  • Zero effort to get started, easy and fast to use
  • Repeatability & test history for tracking

Used by banks for simple, reliable testing with no dependency on bank IT team

 

bank 2024

Simo Market Infrastructure

Enable self-service testing for participants

Allow bank and non-bank participants to test independently before going live

  • Frictionless onboarding
  • Participant readiness validation
  • Scalable testing environment

 Reduce bottlenecks in ecosystem-wide implementations

 

sandbox 2024

Simo API Sandbox

Deliver better developer experience and faster integrations

Realistic API Sandboxes integrated to bank Developer portals

  • Reduced support and maintenance for the bank
  • Improved customer experience with feature rich sandbox
  • Designed, built and maintained by team experienced in payment API sandboxes

Ideal for banks onboarding corporates and partners to API channel payment services, essential for API first programmes


Frequently Asked Questions - ENHANCE

What is payment testing and why is it important?

Payment testing ensures that financial messages, files, and APIs work correctly across systems. It helps banks and payment providers reduce errors, ensure compliance, and deliver reliable payment services. 

How can banks test payment files more efficiently?

 XMLdation automates payment file validation and testing, enabling faster implementations, improved client experience, and quicker time to revenue.  

What is payment simulation?

 Payment simulation replicates real-world payment systems so organisations can test end-to-end payment flows without relying on external parties. 

How does XMLdation Simo® for Market Infrastructures help with testing?

 Simo® simulates clearing systems in real time, allowing organisations to reduce manual testing effort, improve test coverage, and lower risk. 


Platform
Platform

XMLdation is born in the cloud with a modern technology stack that is robust and secure

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Standards

XMLdation natively supports ISO 20022, SWIFT MT, ACH and PSD2, along with many other payment and API standards

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ISO 20022

XMLdation supports migration to ISO 20022 across the ecosystem


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