What if you could have your very own virtual Buddy Bank available for testing 24/7? Spin up your Buddy Bank in under 30 minutes — no coordination calls, no waiting for other banks.
Self-service TIPS Buddy Bank explained
XMLdation virtual Buddy Bank is reachable on TIPS CERT with our addressable BIC. You control the Buddy Bank using the Simo® Rail UI.
The Buddy Bank supports a range of test scenarios:
Simo Rail® Virtual Buddy Bank
Your self-service virtual Buddy Bank for end to end testing in cloud
Simo Rail
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
Simo Rail Pro
All Simo Rail features, plus:
- Integration to Bank regression test suite
- Additional test cases configured by XMLdation
- Volume testing (higher cap)
Simo Integrated
All Pro features, plus:
- Testing independently of rail
- Preconfigured rail test cases
- Testing multiple ISO20022 message versions in parallel
- Volume testing (highest cap)
Simo Rail
Simo Rail Pro
Simo Integrated
Self-service 24/7, no dependency on other banks
Test according your own timetable, as and when you need
Zero effort to get started, easy and fast to use
Easy & fast to use for functional, volume and regression testing
Test repeatability & test history
Track test activity and prove certification test cases have been executed
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 TIPS and how does it work?
TIPS is a pan-European instant payment system operated by the European Central Bank. It processes SEPA Instant Credit Transfers (SCT Inst) in real time. Payments are settled individually within seconds, with funds immediately available to the beneficiary. The system operates 24/7 without interruption.
What is XMLdation Virtual Buddy Bank?
A virtual 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 Virtual 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
How to start?
Contact us and we will send a first test pacs.008 payment to you.
Is an integration project needed?
This works exactly the same way as when testing with a real buddy bank.
We send and receive test payments over TIPS CERT.
What other payment rails does XMLdation support?
We will soon make the Virtual Buddy Bank available for SWIFT CBPR+ and US real time payment rails.
Contact us to let us know your priority rail and we can share expected timeline when it will be available.
Do you support multiple versions?
We support the version currently running on TIPS CERT.
If you need early support for an upcoming version - before it is available on TIPS CERT - contact us to discuss a direct integration with your system.