What is Buddy Bank?
The XMLdation Buddy Bank is a simulated bank for end-to-end testing over a rail, also referred to as payment market infrastructures. The Buddy Bank is connected into a rail's test and training environment, and is available for use 24/7 whenever the rail test and training environment is available. The Buddy Bank is XMLdation's approach to replacing manual partner testing with automated, simulated environments, enabling faster, more scalable, and more reliable end-to-end payment testing over a rail.
Who uses it and how?
The Buddy Bank is designed for banks, PSPs and other regulated fintech.
Manage adhoc and functional testing using the Buddy Bank user interface. Implement test automation using the scheduler or API.
Benefits of Buddy Bank
Self-service 24/7 with end to end visibility of payments, no dependency on other banks
Zero effort to get started, easy & fast to use for functional, volume and regression testing
Repeatability & test history to track activity & prove certification test cases have been run
What is Simo Rail?
Simo Rail is XMLdation's rail-native testing product designed for banks and regulated fintech. The product is used to test correct usage of payment rails, also referred to as payment market infrastructures. Simo Rail is XMLdation's approach to replacing manual partner testing with automated, simulated environments, enabling faster, more scalable, and more reliable end-to-end payment testing over a rail.
Use Cases for a Buddy Bank
End to end testing when an organisation is onboarding to a rail, or preparing for rail updates
End to end testing when an organisation's payments systems are updated
Automated end to end regression testing of payment systems
Acceptance testing with an organisation's rail connectivity
Troubleshooting issues in the live rail
What if you could have your very own Buddy Bank available for testing 24/7?
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No coordination calls
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No waiting for other banks
| More rails = more testing: The increasing payments testing challenge for banks and PSPs | |||
|---|---|---|---|
| Bank type | # Rails | # Annual updates: rail + bank system | # Test cycles annually |
| Domestic | 2 | 2 + 4 = 6 | 2 * 6=12 |
| Multi-country | 20 | 2 + 6 = 8 | 160 |
Features of Simo Rail
Send and receive payments using Simulator UI
Buddy Bank test cases
Full message validation
Scheduled test cases
Integration to Bank regression test suite
Test History
Volume testing
Buddy Bank™
Buddy Bank Basic
149 /month
What you get:
- 100% off-the-shelf
- Send and receive payments using Simulator UI
- Preconfigured Buddy Bank test cases
- Full message validation
- Scheduled test cases
- Test History
- Volume testing
Buddy Bank Pro
8 /month
All Simo Rail features, plus:
- Integration to Bank regression test suite
- Additional test cases configured by XMLdation
- Volume testing (higher cap)
Buddy Bank Basic
Buddy Bank Pro
Frequently Asked Questions
Why XMLdation?
We have been delivering payments testing solutions in cloud to banks and market infrastructures since 2009. We are a team of payments and ISO 20022 experts with a strong focus on simplicity, ease of use and self-service. Nordic thinking trusted across the globe.
What is XMLdation Buddy Bank?
A Buddy Bank is XMLdation’s approach to replacing manual partner testing with automated, simulated environments, enabling faster, more scalable, and more reliable payment testing.
What are the benefits of a Buddy Bank?
- Zero effort to get on-boarded
- Continuous, self-service testing
- Lower support and operational costs
- Improved reliability before go-live
- Test repeatability and test history
Related
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VIRTUAL BUDDY BANK™: YOUR NEW BEST FRIEND
As real-time payments become ingrained across the globe, banks and payment service providers (PSPs) face testing times aligning their payments systems.
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RTR in Canada: A new payments model and a new testing imperative
Canada’s payments sector will undergo change in 2026 with the introduction of its long-awaited Real-Time Rail (RTR) – a new national infrastructure.
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Press Release: XMLdation launches market-first simulator solution for RT1 payments testing
Acting as a virtual banking partner, the self-service tool enables banks and payment service providers to carry out automated, configurable, end-to-end.
