TruSim for Payments

Accelerate modernization and eliminate third-party sandbox dependencies with the industry’s most comprehensive simulator for global payment schemes. 

Book a Demo

High-Fidelity Financial Rail Simulation

Traditional payment testing is tethered to external providers and restricted, expensive sandboxes. These environments lack the flexibility to test complex failure states like specific ISO reject codes or AML hits without incurring heavy fees or risking live data. 

TruSim for Payments acts as a "Digital Twin" for your payment ecosystem. It mimics the behavior of any financial intermediary, gateway, or clearinghouse, giving your teams 100% control over the end-to-end transaction lifecycle in a secure, local environment. 

Book a Demo

Business Value

Accelerate Modernization

Safely test the migration to ISO 20022 and SEPA IP by virtualizing new rails before they go live. 

Eliminate External Usage Fees

Shift 90% of your testing to an internal virtual environment and eliminate the per-transaction costs of third-party sandboxes.

Unrestricted Local Environments

Provide every developer and squad their own isolated payment environment, removing scheduling bottlenecks.

Core Capabilities

Multi-Scheme & Standard Support

Native support for the world’s most critical payment messaging standards and schemes: 

  • ISO 20022 (CBPR+): Full validation and end-to-end flow testing for pacs, pain, and camt message families.
  • SEPA Instant Payments: Simulate RT1/TIPS workflows including pacs.008 (Credit Transfer) and pacs.002 (Status Report).
  • Verification of Payee (VoP): Test PSP-to-PSP account validation with simulated "Match," "No Match," or "Close Match" responses—all within the mandatory sub-second response times.

Corporate File & Scheme Validation

Eliminate onboarding friction by virtualizing the entire file validation journey:

  • Multi-Format Parsing: Validate complex file types including EDI, IDoc, CSV, XML, and Fixed Length files. 
  • Comprehensive Checks: Automate mime-type detection, duplicate checks, and message library validation against your specific bank requirements. 
  • Pre-Certification Environment: Facilitate pre-certification before official API reference toolbox testing, replicating all functionalities of production toolboxes. 

High-Fidelity Lifecycle Modeling

Don’t just test the "Send"—simulate the entire loop: 

  • End-to-End Orchestration: Simulate Submission → Validation → Debulking → Clearing → Settlement → Status Updates. 
  • Deterministic Failure Testing: Proactively trigger specific reject codes, OFAC hits, fund check failures, or network timeouts that are impossible to replicate in live systems.
  • Response Rules Engine: Configure dynamic response rules to mimic complex back-end logic for any incoming scenario. 

Automated Test Repository & Execution

  • Dynamic Test Space: Manage a centralized repository of test templates, reference data, and execution history. 
  • Smart Configurations: Easily configure Request/Response queues and Reference Data (BIC, MmbrID, RTN) for different sender/receiver banks.
  • Advanced Reporting: Download detailed audit logs, file traces, and validation results with clear Pass/Fail indicators.