FOR FINANCIAL MARKET INFRASTRUCTURES
Unifits Test Engine
Automated, End-to-End Infrastructure Testing – No Gaps, No Guesswork
What is the Unifits Test Engine?
The Unifits Test Engine is an automated, end-to-end infrastructure testing solution that enables central infrastructures to independently verify all transaction flows before participants connect.
It eliminates time-consuming, error-prone manual efforts and ensures every scenario – from basic transactions to edge cases – is fully validated.
Key Benefits
Full End-to-End Flow Simulation – No Dependencies Needed
The Test Engine simulates both sending and receiving sides, enabling independent infrastructure testing without requiring live participants. Central infrastructures can validate complete payment flows before participants even connect, reducing early-stage risks.
Built-In Industry Intelligence – One Rule Set for All Testing
With centrally managed validation and mapping rules, every test – whether through the Unifits Onboarding Portal, Virtual Participant, or Test Engine – follows the same industry-wide standards. This ensures consistent results and seamless interoperability across all testing phases.
Automated, Scalable Testing – From Single Transactions to Full Volume Loads
The Test Engine adapts to any testing need – from isolated test cases to high-volume, industry-scale regression testing. It ensures central infrastructures can validate standard and edge-case scenarios, supporting both new implementations and ongoing system upgrades.
Minimize Risk, Maximize Confidence – Ensure Stability Before Participants Enter Testing
A stable infrastructure is a prerequisite for participant testing – both for the initial launch and for every future release. The Test Engine enables structured, automated testing, ensuring all processes are validated before participants connect. In regression testing, this strength becomes even more valuable: Re-test all processes at the push of a button – instantly, effortlessly, and with full confidence.
“Unifits’ onboarding solution and simulation capabilities were crucial in validating our participants’ builds. By enabling self-testing and certification, we identified and resolved issues early, ensuring a smooth transition to go live with minimal effort on our part.”
Why It Matters
Ensuring a stable, fully validated infrastructure before participants enter testing is critical. Without a structured, automated testing approach, central infrastructures face:
- Growing Industry Expectations – Market participants operate under increasing regulatory and operational demands. As they face tighter timelines and complex compliance requirements, they rely on central infrastructures to provide structured, stable testing environments.
- High Operational Risk – If infrastructure testing is incomplete, undetected issues can cause disruptions in live environments, leading to transaction failures, costly rework, and reputational damage. Manual testing or a patchwork of inconsistent tools increases the likelihood of errors and oversight, making it difficult to ensure system stability and compliance.
- Unstructured & Resource-Intensive Testing – Without automation, testing remains fragmented and inefficient, requiring extensive coordination between teams. The lack of a structured framework drains resources, slowing down release cycles and making ongoing system maintenance costly.
- Scalability & Regression Challenges – As transaction volumes grow and new releases are introduced, manual or ad-hoc testing quickly becomes unsustainable. Without a repeatable, automated process, validating both routine transactions and edge-case scenarios becomes a bottleneck, slowing innovation and increasing operational risk.
The Unifits Test Engine eliminates these challenges by providing automated, end-to-end infrastructure testing – ensuring systems are fully validated before participants connect.
Discover how the Unifits Test Engine easily ensures interoperability across an entire financial market infrastructure in our short video
Use case
The Unifits Test Engine automates end-to-end test flow execution by controlling sending and receiving virtual participants, simulating both the Debtor and Creditor Agent’s behavior.
The illustration depicts a payment (Customer Credit Transfer) initiated by the Debtor Agent, followed by a payment return initiated by the Creditor Agent.
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.
Frequently asked questions
About the product
The Unifits Test Engine is an automated, end-to-end infrastructure testing solution that enables central infrastructures to independently verify all transaction flows before participants connect. It eliminates time-consuming, error-prone manual efforts and ensures every scenario – from basic transactions to edge cases – is fully validated.
Unlike generic testing frameworks, the Unifits Test Engine is purpose-built for financial market infrastructures. It provides:
- Full transaction flow simulation – Independently simulates both the sending and receiving sides of transactions.
- Built-in industry intelligence – Applies the same validation and mapping rules used in industry testing (Unifits Bank Onboarding Portal & Unifits Virtual Participant) to ensure consistency.
- Automated regression testing – Instantly revalidates all processes before new releases go live.
Yes. The Test Engine is designed for both initial go-live scenarios and continuous updates. It ensures the stability of new infrastructures before participants connect and provides fast, repeatable testing for future system releases or scheme updates.
Integration & Deployment
The Test Engine is typically installed within the clearing infrastructure, ensuring direct integration with the central payment processing environment. For specific Use-cases alternative deployment options (e.g. Cloud) are available. Let’s get in touch to explore details relevant to your specific situation.
The Test Engine is designed for flexible integration with minimal configuration effort. Key requirements include:
- Connectivity to the clearing infrastructure
- Message routing setup for inbound/outbound transaction flows
- Defined testing scenarios and validation rules (pre-configured during implementation)
Testing Capabilities & Coverage
The Test Engine supports any ISO 20022-based scheme, including but not limited to Bulk payments, Instant payments, High-value payments (RTGS, LVPS). It ensures full validation and processing logic for every step of the transaction lifecycle.
Yes. The Test Engine can handle full-scale transaction loads, simulating real-world conditions at high volume to simulate extreme conditions before going live.
With structured, automated test execution, central infrastructures can:
- Instantly re-run all test scenarios to verify new scheme releases.
- Compare results across versions to detect inconsistencies.
- Ensure every participant-facing update is tested before deployment.
Unlike generic automation solutions, which require extensive customization to fit financial industry needs, the Unifits Test Engine is purpose-built for transaction testing – ensuring end-to-end coverage without additional complexity.
Operational & Compliance Benefits
By providing a structured, automated testing framework, the Test Engine prevents unvalidated changes from disrupting live operations. It ensures:
– All transaction flows are validated before participants connect.
– Every update is regression-tested instantly, reducing go-live risks.
– Failures, edge cases, and exception handling are fully covered.
The Test Engine follows all ISO 20022 guidelines and your scheme-specific rulebooks, ensuring:
- All transactions meet FMI-defined compliance standards.
- Testing aligns with industry regulations before deployment.
- New scheme versions are validated seamlessly before release.
Yes. The Test Engine is fully adaptable to the specific needs of different FMIs, supporting:
- Custom validation and routing rules.
- Integration with scheme-specific settlement mechanisms.
- Testing for region-specific regulatory requirements.
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.
bank onboarding portal for fmi
A self-service testing portal that enables banks to validate messages, generate test data, and ensure scheme compliance before progressing to full industry testing.
Unifits Virtual Participant
An always-available testing counterpart that enables financial institutions (FMI participants) to perform full end-to-end transaction flow testing without relying on real counterparties.
