SOLUTION FOR BANKS
Unifits Test Portal
The smarter way to create and reuse ISO 20022 test data
What is the Unifits Test Portal?
The Unifits Test Portal is a cloud-native solution designed to simplify and accelerate ISO 20022 test data creation and validation.
It reduces manual effort, ensures compliance, and supports multiple clearing schemes within a single platform.
Key Benefits
90% time savings in test data creation
Reduce effort with best-in-class ISO 20022 test data creation, ensuring speed, accuracy and compliance.
Smart transformation of test transactions
Automatically derive structured R-Messages from original transactions, maintaining full references integrity.
One solution for all clearing schemes
Instant payments, high-value, and bulk transactions – fully compliant and easy to use in a single platform.
Cloud-native, secure, and instantly available
No setup, no delays – access a fully managed, scalable test environment anytime, anywhere.
Why it matters
Regulatory requirements and market standards are constantly evolving – bringing new challenges for banks and financial institutions. Effective testing is crucial to ensure seamless operations, compliance, and market readiness.
- ISO 20022 introduces complexity – manual processes are error-prone and inefficient.
- Different clearing schemes and testing needs require a flexible, centralized solution.
- Automated, standards-compliant testing reduces risks, improves quality, and saves valuable resources.
Learn more:
Download our Fact Sheet and discover how our solution:
- Cuts test data creation time by 90%.
- Reliably ensures compliance with all clearing schemes.
- Can be utilized by anyone, without training.
Functionality
Explained: Easily eliminate three headaches of ISO 20022 testing
Validate outgoing transactions
With the VALIDATION function, the Unifits Test Portal checks both technical compliance and scheme-specific usage rules. Messages can be edited, with instant feedback on schema compliance.
Create incoming transactions
With the CREATION function, the Unifits Test Portal enables banks to generate inbound test transactions using structured templates. After releasing the data, messages can be edited in an XML editor if needed, with continuous validation ensuring compliance with scheme rules.
Derive R-transactions
With the DERIVE function, the Unifits Test Portal generates response transactions based on the originating payment message. This simplifies testing of end-to-end clearing and settlement processes by ensuring message consistency within the scheme.
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Adaptability
Supported payment schemes
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
Frequently asked questions
About the product
The Unifits Test Portal is a cloud-native solution designed to simplify and accelerate ISO 20022 test data creation and validation. It reduces manual effort, ensures compliance, and supports multiple clearing schemes within a single platform.
Yes, the Unifits Test Portal fully supports both customer-to-bank and interbank clearing formats. No matter whether the test data pertains to payment initiations, payment reporting, or payment clearing and settlement. This ensures comprehensive coverage of ISO 20022 use cases, including bulk payments, instant payments and high-value transactions, allowing financial institutions to create and validate messages across different transaction flows.
The Unifits Test Portal applies pre-configured, industry-standard validation rules aligned with ISO 20022 requirements and clearing scheme guidelines. Our domain expertise ensures accuracy, while automated validation eliminates the risks associated with manual testing.
We continuously expand our support for ISO 20022 based schemes, that’s our day-to-day business. Even if your required scheme is not currently listed, we will ensure your specific validation needs are met. Contact us to discuss your requirements.
Deployment & Security
Yes, Unifits Test Portal is a fully cloud-native SaaS solution, hosted in a secure, certified data center. This ensures high availability, seamless updates, and compliance with strict financial security standards. No setup is required – simply log in and start testing.
Absolutely. While most customers benefit from our fully managed cloud solution, we offer an on-premises deployment option for organizations with strict data residency, regulatory, or security requirements. This allows full control over infrastructure, access, and storage.
Security is a top priority. Our platform is hosted in certified high-security data centers, and we partner with trusted infrastructure providers to ensure compliance with banking and financial industry standards. All data is encrypted in transit and at rest.
Integration & Compatibility
No, the Unifits Test Portal is a standalone solution that does not require integration with existing payment testing environments. It provides an independent, fully managed test environment that can be accessed instantly without setup or dependencies on external systems.
Yes, the Unifits Test Portal complements other testing tools by providing specialized ISO 20022 validation and test data creation capabilities that generic testing frameworks lack.
The Unifits Test Portal automatically derives structured R-Transactions from original transactions while maintaining full reference integrity, ensuring a streamlined testing process.
Regulatory & Compliance
The Unifits Test Portal streamlines ISO 20022 test data creation by offering intuitive and pre-configured templates that ensure accuracy and compliance. Unlike fully manual processes, which are time-consuming and error-prone, our approach balances flexibility and efficiency, enabling users to quickly generate high-quality test data tailored to their specific needs.
With constantly evolving ISO 20022 standards and regional clearing rules, staying compliant can be challenging. The Unifits Test Portal is built on deep domain expertise and pre-configured validation rules tailored to financial industry standards. It enables automated validation and intelligent test data transformation, ensuring financial institutions stay aligned with regulatory updates while minimizing risks and reducing manual effort.
Common challenges include format validation, end-to-end message consistency, and ensuring compliance with evolving standards. Additionally, creating consistent test data and maintaining it for re-tests is a complex, time-consuming, and error-prone task. The Unifits Test Portal simplifies these processes with built-in validation rules and structured test data creation, enabling financial institutions to efficiently generate and update test data, detect issues early, and stay compliant throughout their migration journey.
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.
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