For over 15 years, Unifits has set the benchmark for ISO 20022 testing, helping financial institutions enhance quality, maximize efficiency, and ensure ongoing ISO 20022 compliance – powered by purpose-built simulators.
Your Key Benefits
Ongoing ISO 20022 Compliance
Stay ahead of regulatory changes with built-in ISO 20022 compliance, ensuring your payment systems remain fully aligned with the latest standards.
Reduced Time, Costs, and Complexity
Accelerate deployments and reduce costs by streamlining your testing processes – minimizing manual effort and simplifying complex workflows for faster, more efficient releases.
Increased Quality through Effortless Automation
Boost quality with a new kind of test automation: an out-of-the-box solution that embeds all relevant domain knowledge, eliminates manual scripting, and reduces maintenance overhead.
Reduced Internal and External Dependencies
Achieve seamless, continuous testing that unites all departments, reduces inter-team dependencies, and empowers every stakeholder to manage testing independently.
Unifits is a Purpose-Built Platform for ISO 20022 Quality Assurance and Continuous Scheme Compliance.
Solutions for Banks
Unifits Corporate Onboarding Portal
The Problem It Solves:
Seamlessly connecting corporate ERP systems to banking infrastructure is critical – yet without an easy-to-use, self-service approach, banks struggle with:
- Manual, Repetitive Effort – Every corporate onboarding requires bank-side validation, consuming resources and slowing activation.
- Unstructured & Error-Prone Testing – Without structured, repeatable processes, onboarding inconsistencies increase operational risks.
- Lack of Transparency & Delays – Corporate clients depend on slow, back-and-forth coordination, making onboarding time-consuming and unpredictable.
- Ongoing Revalidation Burden – ERP updates, ISO 20022 changes, and evolving banking requirements demand frequent retesting.
Solutions for Banks
Unifits Test Engine
The Problems It Solves:
Quality, efficiency, and compliance are critical in payment testing – yet without purpose-built automation, banks face:
- Slow, Manual Execution – Repetitive test cases drain resources, increasing effort and slowing progress.
- Fragmented Testing Approaches – Siloed teams and inconsistent validation lead to unreliable results.
- Limited Scalability & Regression Coverage – Manual processes struggle to keep up with evolving schemes and ever increasing test volumes.
- Deployment Risks & Compliance Gaps – Without automated, standardized validation, defects can go unnoticed before go-live.
Solutions for Banks
Unifits Test Portal
The Problems It Solves:
Creating, managing, and validating ISO 20022 test data is time-consuming and inefficient. With conventional tools banks struggle with:
- Repetitive, Manual Test Data Creation – Create ISO 20022 test data from scratch wastes time and increases errors.
- Inconsistent Compliance & Validation Gaps – Changing scheme rules or even re-tests make it difficult to ensure accurate, up-to-date test data.
- Fragmented Processes Across Clearing Schemes – Testing for instant, high-value, and bulk payments is often handled with separate teams, tools and workflows – leading to inconsistencies in quality, coordination, and expertise.
- Limited Reusability & Poor Test Data Management – Without a centralized repository, teams struggle with duplication, version control, and consistency.
Solutions for financial market infrastructure
Unifits Bank Onboarding Portal
The Problem It Solves:
Seamless participant onboarding is essential for a smooth industry testing process – but without a structured approach, financial institutions and central infrastructures face:
- Misaligned Testing Standards – Participants struggle to validate against evolving scheme rules.
- Manual & Fragmented Test Data Creation – Lack of a centralized solution increases effort and inconsistency.
- Onboarding Bottlenecks – Dependencies, coordination issues, and inefficient workflows slow down industry adoption.
- Compliance Risks – Banks must stay aligned with continuously changing industry guidelines.
Solutions for financial market infrastructure
Unifits Test Engine
The Problems It Solves:
Ensuring a stable, fully validated central infrastructure before participants enter testing is critical. Without a consistent, automated testing approach, central infrastructures face:
- High Operational Risk – Unverified systems can cause live disruptions, leading to costly rework.
- Unstructured & Resource-Intensive Testing – Without automation, infrastructure validation is slow and inefficient.
- Scalability & Regression Challenges – Manual testing struggles to keep pace with evolving requirements.
- Growing Industry Expectations – Market participants require structured, stable testing environments.
Solutions for financial market infrastructure
Unifits Virtual Participant
The Problems It Solves:
Industry testing must go beyond simple message validation – yet without a dedicated, automated test counterpart, financial institutions and central infrastructures struggle with:
- Interoperability Gaps – Participants depend on counterparties for testing, delaying progress.
- Rigid Test Windows – Fixed schedules and manual coordination slow down validation cycles.
- Limited Real-World Simulation – Many testing environments fail to replicate real transaction flows.
- Operational Inefficiencies – Without automation, financial institutions rely on time-consuming manual processes.
Why Unifits
Purpose-Built for Payments
Unifits isn’t just another testing framework – it’s engineered specifically for ISO 20022 and payments workflows. This focus drastically reduces custom scripting and ensures instant domain alignment.
The Most Sustainable Testing Strategy for New Challenges
Unifits ensures confidence through automation and a standardized rule set. Banks test against the same validated rules – securing standards more efficiently and sustainably.
No Siloed Efforts
Testing in large financial institutions typically spans IT, Operations, and multiple business units. Unifits unifies those teams in a single environment – turning testing into a collaborative effort rather than an isolated one.
Future-Proof via Continuous Updates
ISO 20022 requirements evolve, and manual updates can be a burden. Unifits provides regular, automated compliance updates, so you’re always ready for the next regulatory shift.
Complement, Don’t Replace
Already using a CI/CD pipeline or open-source tools? Unifits integrates seamlessly to fill gaps in domain-specific capabilities. There’s no need to rip and replace your existing test environment.
Speak with our Experts
Trusted by the industry
We let our clients speak for themselves
Proven across diverse environments, our clients and partners report transformative gains in testing quality and efficiency. They confirm that Unifits consistently cuts time, costs, and complexity – whether you’re transitioning from predominantly manual testing or complementing an existing test automation framework with Unifits.
You too can experience the difference – from day one.
No scripts, no hassle, no wasted effort.
What our clients say about us
Unifits increased our client onboarding efficiency by factors and significantly improved our overall end-to-end processing quality
Unifits has been a game-changer in increasing the accuracy and quality of our testing.
With Unifits we have been able to significantly reduce effort and duration for our payment testing.
Unifits not only met but surpassed our high expectations – the Test Engine proved to be a key success factor in our ISO 20022 project.
We’ve been thoroughly impressed – both by the Unifits solution and by their deep subject-matter expertise.
Unifits’ self-certification capabilities helped us a lot to stay ahead of the curve by identifying issues before going live.
Trusted by
Adaptability
Globally Active, Continually Growing
The Unifits Test Portal complies with the guidelines of a wide range of clearing schemes for a large variety of payment systems throughout the world, e.g. Real-Time payments, High Value payments, Mass & Retail payments).
Unifits is constantly introducing new schemes and not all available schemes might be listed on this page or unlocked in Free Mode in the Unifits Test Portal. So please just let us know in case you are interested in a particular scheme.
- Europe: TARGET2
- Europe: EBA EURO1
- Europe: EBA STEP1
- United Kingdom: CHAPS
- Switzerland: SIC4
- Europe: TIPS
- Europe : EBA RT1
- Europe: Switzerland: SIC5
- Nordics :TIPS non-Euro
- Sweden: RIX-INST
- United Arab Emirates: EXP
- Europe: EBA STEP2 (SCT, SDD Core & B2B)
- Nordics: NPC Credit Transfer
- Germany: SCL SEPA-Clearer German Bundesbank (SCT, SDD Core & B2B)
- Austria: PSA (SCT, SDD Core & B2B)
- Sweden: SEK Batch
- Europe: EBA SCC
- Germany: SCL SCC,SVV
- Europe: EBA R2P
- Canada: LYNX
- United States: TCH CHIPS
- United States: Fedwire
- Canada: RTR
- United States : TCH RTP
- United States : FedNow
- Singapore: MEPS+
- Hongkong: CHATS
- Taiwan: FISC
- Australia: HVCS
- Hongkong: FPS
Global: SWIFT CBPR+
- Europe: EBA OCT Inst
Connect with our Experts today
We want to support and advise ideally customized to your needs.
To get in touch just complete our contact form and schedule a 30-minute call to discuss your needs and requirements, so we can set up a customized demo for you and your team.
Stay up to date – Unifits sets the standard for efficient and reliable ISO 20022 adoption.
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