Enterprise QA Automation Full Testing Lifecycle Certification / CICD / Regression

Payments Testing Services ISO8583

Performance Load Test

ISO8583 Visa MasterCard Amex Discover UPI JCB

Switch, Acquirers, Issuers, Fraud systems or Card Host

Any custom payment platform ISO8583 ISO2022 API SWIFT

Functional testing, Acceptance, Regression, Performance Testing & CICD Automation

Full Service lifecycle supported, from POC to LIVE and BAU in SIT, UAT, DR

Pre-Certification Testing

Visa Mastercard Diners Discover AMEX JCB CUP UPI

Full test automation, execution, assessment & anaysis

Automate the entire test process, changes and behaviour detection, automatic analytics results and reports

Performance Load Test Details Request Consultation

ISO8583 Testing - CICD Functional Regression Load Test

Key features and benefits: the complete solution for ISO8583 testing, from smoke test to automatic CICS testing

All card payments protocols

Simplify the test environment by using a single simulator for all testing protocol interfaces.

Flexible protocol configuration, scripting business behavior

All test phases

Fast POC, Smoke and Functional testing, Scenarios and regression testing. Duration and High performance testing

Flexible protocol configuration, scripting business behavior

All environments

Functional testing on Windows, Linux, Mac. CICD on Azure pipelines Aws, Bitbucket.

Duration and High performance testing on VMs and containers

Protected from human error

Create, deploy, share test configuration and test data without human intervention from Version Control (Git) to all test environments.

Ensure same test conditions in all stages automatically

Automatic Analytics

Generate automatically Analytics reports, data exports locally or to another reporting system.

Scripting available for external integrations

Speed 1000 TPS

Designed from the start for long Duration and High Performance testing

Multiple instances possible, parallel execution, on VMs or cloud.

ISO8583 Card Payments simulator demo video

Get Started

Save cost and a lot of effort

incrementally replace multiple providers solutions

neaPay Simulator Phases

Fast POC - Functional tests - Regressions - Performance tests - CICD tests

Simplify Maintenance

Simplify Configuration

Version Controlled

ISO8583 simulator demo video Visa MasterCard Amex JCB Discover

Technical run of Example setups like Visa and MasterCard in 3 minutes (video)

Request ISO8583 Test Automation Consultation

Card Payments Performance Load Testing

ISO8583 Visa MasterCard Amex Diners Discover UPI JCB
Local & national Switch, acquiring Systems or Card issuer

All card payments schemes and protocol

MAX speed load test: 1000TPS

Fully configurable and customizable protocols

Performance measure
Duration tests
Peak performance detection
System slowness
Bottleneck detection

Scheduled, recurring or continuous testing

Scheduling features allow execution at night, for a specified time period, unattended

Recurring testing can be executed every day, at 2:30 AM

Continuous testing - just leave it running overnight, check results in the morning!

Long duration system reliability testing

One day, one week testing, duration with

Fully Automatic Execution, Automatically generated reports

Most common global protocols are already available for fast-deployment.

By default you get a JSON of the ISO8583 data to play with. From here on, it is up to your imagination what to do with it.

ISO 8583 payments Business Analysis

The Business Analysis (BA) phase is critical before any ISO 8583 testing begins, as it defines what needs to be built and how it will be verified. For our payments project, the primary goal will be to translate business needs and network specifications into clear, testable, and actionable requirements.

Objectives of Business Analysis Before ISO 8583 Testing

Establish Scope & Vision in testing

We will define the exact scope of the ISO 8583 integration — which message types (e.g., Authorization, Financial, Reversal) and exactly what specific data elements are in scope, and what transactions they support.

Precise Technical Requirements

We will Analyze the exact variant of ISO 8583 (e.g., 1987, 1993, 2003, or a proprietary scheme variation) and map all mandatory and conditional Data Elements (DEs), including their format, length, and usage rules.

Assess Testing Scope

Check the logic that governs transaction processing, such as checks, calculations, response code mapping, and time-out handling.

Develop Test Cases

Create the foundational requirements, use cases, acceptance criteria that QA/Testing teams will use, design and execute test cases.

Ensure Compliance to scheme and internal procedures

Verify that the proposed implementation adheres to all relevant card scheme (Visa/Mastercard) and regulatory compliance standards before development or testing, validating internal process and procedures in the organization.

Business Analysis - iso8583 protocols

Request Business Analysis for Testing

ISO8583 Functional Testing

Objective: To verify that the system correctly constructs, parses, and processes all required ISO 8583 message types (e.g., Authorization Request, Financial Request, Reversal, various administrative messages) and their data elements according to the agreed-upon specification (which is often a variant of the base ISO 8583 standard).

Complete ISO 8583 Specification/Guide

The Specifications Document is a primary prerequisite when testing specific ISO8583 flavours, it is a detailed document outlining the Message Type Indicators (MTIs), required Data Elements (DEs), field formats, and valid code values.

ISO8583 Message Construction

The ISO8583 message will be manually or automatically set up according to the Specifications document, and the ISO8583 Simulator will automatically create valid request messages for all defined scenarios (e.g., purchase, refund, balance inquiry).

Correct Message Formatting

The naPay ISO8583 simulator will automatically generate the correct ISO8583 message, and the system under test generates ISO 8583 response messages that adhere to all field definitions, lengths, and formats

Test Environment DEV SIT UAT DR

The neaPay simulator and all the other systems (simulators, host, terminal) are set up in this environment for sending and receiving messages.

Transaction Execution

Manually or automatically, the simulator will send request messages to the system under test, and receive the responses for assessment.

Correct Response Generation

The system under test processes the request and generates a valid ISO 8583 response (e.g., MTI 0110 for an Authorization Request 0100) with the correct Response Code (DE 39). The ISO8583 simulator will read the response, assess if valid or not, log the details and gnerate Anlytics reports.

ISO8583 Test Cases

As part of the test scope, defined scenarios covering all message types, positive and negative flows, and specific field requirements will be executed with the ISO8583 simulator.

Automatic Validation and Verification

Verication of the received response message, checking the MTI, Bitmap, and all populated Data Elements against the expected values is done automatically, with human supervision.

Accurate ISO8583 Message Processing

The test system is also checked, manually usually, that transaction data is correctly logged, system state is updated (e.g., a hold is placed on an account for an authorization), and all business rules are correctly applied.

Functional Testing on ISO8583 based protocols

Request Functional Testing

ISO8583 Integration Testing

Objective To verify the seamless flow of ISO 8583 transactions between two or more interacting systems like a terminal/acquirer system and a processing host, a processor and a network/issuer simulator, a fraud and switch system, a bridge between two system updating.

System Connectivity stable

Secure and stable network connection (e.g., TCP/IP leased line, VPN) established between the systems being integrated is a very important prerequisite. If this is not met, then no ISO8583 testing can be done correctly.

End-to-End ISO8583 Flow

Execute full ISO8583 transaction cycles, starting from the point of origin (e.g., POS terminal) to the final destination (e.g., issuer host) and back. Alternatively, isolate each components and test it in isolation with simulators

Payment systems Interoperability

ISO8583 Systems can reliably connect, exchange keys (if required), and successfully send and receive messages from one another via secure connections, on the protocol in scope (ISO8583 flavour).

Interface Specifications must be followed

Exact same document of the ISO8583 message format and protocol deviations used by both parties. The smallest difference in the ISO8583 protocol may lead to invalid tests.

Message Tracing and logging

The neaPay ISO8583 Simualtor will check the messages to ensure they are correctly sent and received, but on the way, more checks may be neded in interconnecting systems.

Successful Network management

neaPay ISO8583 simualtor handles out of the box administrative messages like Sign-On and Cut-over (network reconciliation) and ensures they are correctly handled.

Security with Certificate and Key Exchange

the neaPay ISO8583 simulator supports all encryption or secure sessions (e.g., SSL/TLS) used in card processing, security artifacts must be available and configured correctly (certificates and keys).

Errors, Repeats, Time-out Handling

Intentionally introduced error messages, message repeats, invalid combinations, connection drops or delayed responses to verify that systems handle retries and reversals correctly.

Corect and Consistent Error Handling

Both systems correctly interpret and respond to specific transaction and system error codes (DE 39) consistenly in various situations, even when recovering from error situations.

Integration Testing on ISO8583 based protocols

Request Integration Testing

ISO8583 Regression Testing

Objective To ensure that new changes, fixes, or updates to the system's ISO 8583 implementation have not broken existing, previously working functionality.

ISO8583 Automated Test Suite

The neaPay ISO8583 simulator is designed to be easily updated with every ocasion, producing a comprehensive set of previously executed and successful functional and integration test cases.

Automated Execution of regression tests

Manually or automatically (CICD) Execute the full Regression suite of established test cases against the new system build and receive immediate results.

Stable Functionality Checks and Assessment

All previously successful test cases pass, confirming that the new changes did not introduce regressions.

Automatic Baseline Comparison in ISO8583 simulator

A known good version of the system and its associated test data.

Comparison Reporting and integration

the neaPay ISO8583 simulator automatically compares the test run results of the new build against the baseline results, highlighting changes.

New Feature Verification

Any new message types or data elements introduced are validated to be working as expected, and added to future regression test sets for baseline comparison.

Request Regression Testing

Regrssion testing on ISO8583 card schemes

Performance/Load Testing / ISO8583 simulator

Objective To determine the system's capacity, stability, and latency when processing a high volume of ISO 8583 transactions over an extended period.

Load Generation Simulator

The neaPay ISO8583 simulator is a tool tool capable of generating high volumes of valid ISO 8583 traffic (Transactions Per Second - TPS), with a steady and consistent 1000TPS and in extreme situations scaling up to 20 0000 TPS.

ISO8583 tests Load Simulation

The neaPay ISO8583 simulator can produce a constant transaction speed or gradually-automatically increase the transaction volume sent to the system under test until bottlenecks or performance degradation are observed.

System Capacity Benchmarks, automatic logs and traces

The neaPay ISO8583 simulator can determine the maximum sustainable TPS and average transaction latency under peak load.

Performance Monitoring of the targt system

The neaPay ISO8583 simulator can automatically assess the target system's capacity by external observation of behaviour, but additional checks on the target system's CPU usage, memory, database query times, and network I/O can help detect issues or forecast future possible bottlenecks.

Stress Testing @ 1000 TPS

neaPay ISO8583 simulator is capable of running maximum load for an extended "soak test" or "duration test" period to check for memory leaks or long-term stability issues.

Scalability and Stability monitoring

the neaPay ISO8583 simulator mesures and assess if the target system remains stable, responds within acceptable latency thresholds, and does not experience critical failures under heavy load.

Request Performance Testing

Perform ISO8583 Load test

Security/Penetration Testing

Focuses on exploiting vulnerabilities in the handling of sensitive fields (like PAN, PIN Block, or encryption keys) and ensuring secure communication protocols are implemented (e.g., secure key exchange, tamper-proof messages).

User Acceptance Testing (UAT)

Non-technical users (often business stakeholders or operations teams) execute real-world scenarios to confirm the implementation meets business requirements and operational workflows.

Certification Testing

Involves testing against a card scheme's (e.g., Visa, Mastercard) or network's specific mandatory test cases to achieve official compliance and authorization to operate on their network.

Request pre/Certification Testing

Pre-certification testing

Payments Projects and go-live

From functional Requirements gathering to project go-live and production support, in isolation or in integration with Fraud Systems, Bank Host and Interchanges like Visa, MasterCard, we test and make sure your solution works as requested from the first deployment.

Testing in integration and User Acceptance environments that all connections receive and send the correct data and behave according to the requirements.

On behalf of the client we perform acceptance testing, making sure the solution satisfies the requirements.

In production we can also test pilot migrations, certifications, analyze data and sync with the institutions for validating and acceptance of results.

Request PRE Go-live assessment

Save 90%

of the cost with multiple providers solutions

neaPay Simulator

One product for the entire lifecycle

Payments Pre-certification / Certification

We can handle certifications through all the stages, from initial contact with schemes like Visa, MasterCard, Diners, to project closure. This includes:

Project Opening, Statement of Work, High Level Estimate

Business Analysis, Sscope Analysis, Test High level plan and design

Test plans preparation, test scope preparation, data and prerequisistes provisioning

[Automatic] Test execution, artefacts gathering, documenting the results, re-runs

[Automatic] Results assessment, analysis and validation

Checking/discussing/validating with the card schemes the tests and offering support for validation

Receiving of letters, project closure, thanking everyone involved.

Payments ISO8583 Testing - Online Remote

Cloud Based Testing / Premise

Remote control / Web-Test /web-ui

Online Payments Testing Services

Our Payments simulator can now be user from a browser.

All controls are also in the browser. Just log on!

Run transactions, check results, from any location, anytime!

Many testers, many locations, all working together;

Drive it smart with a web browser, keep your connections in hand with our smart solution!

Request Remote/Cloud testing

Remote testing - HTTP connector

Testing in the cloud or on-premise via HTTP API

Use a local deployment with an online connector which can be remotely controlled

Secure cloud deployment and connections ensure maximum security

Testing BASE24

ACI's old and reliable solution is still the biggest player in the market and still going strong. Therefore we are ready to offer technical support for testing, installation and configuration, as well as mandates implementations and certifications. We can do functional analysis and testing, test scope creation and analysis, integration testing, regression testing, automated regressions and performance testing. Everything that is needed, we can do it and have done it before.

Testing BASE24-eps

ACI's newer payments system has grown over the past years and has proven to be worthy of its predecessor. We have experience testing this system on many platforms, including tandem of course. Installation and configuration, requirements analysis, regression testing, performance testing are just some of the tasks we can perform, but basically we have done just about everything can be done. Migrations from BASE24 classic to BASE24-eps are also a job we are good at.

Testing Way4

Our experience with OpenWay's solution starts from business analysis, testing, configuration and certifications. We have used Way4 with POS, merchants, interchanges, hosts, both authorizations and settlement.

Testing Postilion

ACI's acquired Postilion product is fully supported and communication for testing and certification is fully supported by our products.

Testing NCR Alaric

The newcomer to the big league of authorization systems is also supported by our products and can be interconnected for any testing.

Testing with Asset

ACI's Asset tool proves to be great in testing payments software. All the types of testing services above can be done with Asset. We have many years of experience with Asset and we can use it for everything it can do. Basically all the testing you need for your system, we can do with Asset. And most importantly, we have a huge experience in writing custom scripts for Asset, and we have done that for many clients.

ACI's Asset

Our experience with Asset is immense, we can design custom scripts, we can set up release test packs, regression and automated regression testing, as well as performance testing and custom devices testing.

ACI's BASE24-eps

For many years we have been working on Base24-eps, developing, testing, installing and configuring it. We spent the past years growing with it and working with it, so I guess we can say we are good friends.

ACI's BASE24 classic

The old reliable software that is BASE24 classic will not die soon, as it is still strong on the market, and we are prepared to support it in installation, configuration, development and testing.

OpenWay's Way4 testing

Way4 is the newcomer to the payments market, but is proving to be reliable, scalable, easy to maintain and cost-effective. Therefore, as our customers have started migrating to it, we rolled our sleeves and dove into the specs. Quickly we gained quite some knowledge and now we are confident to offer installation, testing and configuration services for Way4.

Buy vs Build: Why Leading Payment Teams Choose an Enterprise ISO 8583 Simulator

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