FOR FINANCIAL MARKET INFRASTRUCTURES
Bank Onboarding Portal
Industry Testing Starts Here – The First Step to Accelerate Bank Readiness
What is the Unifits Bank Onboarding Portal?
The Unifits Bank Onboarding Portal is a self-service testing portal that enables banks to validate messages, generate test data, and ensure compliance before progressing to full industry testing.
It removes onboarding bottlenecks by allowing banks to test independently and at their own pace.
Key Benefits
Full Industry Testing Coverage – No Complexity, No Dependencies
The Unifits Bank Onboarding Portal (BOP) and Virtual Participant (VIP) together cover 100% of participant testing needs, eliminating blockers that could delay onboarding – from message validation to full end-to-end flows. Two solutions, seamlessly complementing each other, ensuring readiness without reliance on rigid test schedules or prearranged test windows.
Ongoing Compliance – Always Aligned with Scheme Guidelines
Banks don’t have to struggle with changing ISO 20022 guideline rules – the Unifits Bank Onboarding Portal validates messages against the latest scheme guidelines and provides real-time correction guidance. Unifits handle the updates, so you don’t have to.
Fully Prepared Banks – The Only Self-Service Portal That Creates & Derives Test Data
Unlike standard validation tools, the Unifits Bank Onboarding Portal generates inbound test data and derives r-transactions (e.g., pacs.004 from pacs.008), ensuring banks can test real scenarios with their own data effortlessly.
A Smoother Testing Experience – No Manual Coordination, No Delays
Industry testing should be structured, reliable, and always available. The Unifits Bank Onboarding Portal eliminates manual coordination, reduces support needs, and lets banks test independently – without burdening the clearing provider or other participants.
“Partnering with Unifits has been a great success. They provided consistent testing for our diverse banks, which is essential for ensuring ISO 20022 compliance. Additionally, their subject matter expertise has been invaluable to us.”
Why our Test Portal becomes indispensable
Industry testing is often complex and inefficient, creating challenges for both banks and central infrastructures:
- Manual coordination slows progress – Banks depend on prearranged test schedules and external approvals.
- Compliance challenges create friction – ISO 20022 and scheme rules evolve, increasing the risk of errors and rework.
- Testing gaps cause delays – Banks struggle with validation, test data creation, and preparing for end-to-end testing, leading to onboarding bottlenecks.
- Central infrastructures face growing support demands – Without a structured process, industry testing can drain internal resources.
Ensuring banks are ready on time, fully compliant, and seamlessly progressing to interoperability testing is critical to keeping the industry testing process on track.
See It in Action – Three Key Use Cases of the Unifits Onboarding Portal
Watch and see how banks can independently prepare for industry testing—ensuring accuracy, compliance, and readiness from day one:
Validates messages against the latest scheme guidelines.
Creates structured test data for inbound transactions.
Derives/automates response messages based on original payments.
01 Validate messages
02 Create messages
03 Derive messages
Get Banks Ready Faster, with Less Effort
The Unifits Bank Onboarding Portal (BOP) eliminates inefficiencies by providing a self-service, always-available solution that ensures smooth onboarding and readiness:
- Validation & Compliance Built In – Banks validate messages against the latest scheme guidelines, reducing errors upfront.
- Seamless Test Data Creation – Unique capabilities to generate inbound test data and derive r-transactions (e.g., pacs.004 from pacs.008).
- Faster Testing, Less Support Effort – Banks onboard and test independently, reducing manual coordination and support workload for the central infrastructure.
- Readiness Without the Complexity – BOP removes blockers early, so banks transition smoothly to full end-to-end testing with VIP—without burdening the central infrastructure.
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 Bank Onboarding Portal is a self-service testing portal that enables banks to validate messages, generate test data, and ensure compliance before progressing to full industry testing. It removes onboarding bottlenecks by allowing banks to test independently and at their own pace.
Unlike standard validation portals that only check message formats, BOP goes further by validating, creating test data, and deriving r-transactions (e.g., pacs.004 from pacs.008). This makes BOP a comprehensive onboarding solution that ensures banks enter industry testing fully prepared – without requiring additional tools or manual test case creation.
The Unifits Bank Onboarding Portal supports any ISO 20022-based scheme, regardless of format or transaction type, including bulk payments, instant payments, high-value transactions, and other industry-specific implementations. The portal is designed to accommodate all relevant message variants, ensuring applicability for different financial market infrastructures.
The Unifits Bank Onboarding Portal is step one in the two-step approach to industry testing. It allows banks to validate messages and create test data in the early phases. Once ready, they transition to VIP, which provides full end-to-end interoperability testing.
Testing & Quality Assurance
The Unifits Bank Onboarding Poral automatically checks messages against the latest ISO 20022 guidelines and scheme-specific validation rules. It provides real-time feedback, ensuring errors are identified and corrected before moving to full industry testing.
Yes. Unlike traditional validation tools, the Unifits Bank Onboarding Poral can generate test data for inbound transactions and automatically derive r-transactions (e.g., pacs.004 from pacs.008). This ensures comprehensive testing coverage.
Yes. Banks receive immediate validation feedback, allowing them to identify and resolve errors in real time, accelerating the onboarding process.
Deployment & Security
BOP is a secure, cloud-based solution that requires no installation. Banks can access it from anywhere, ensuring a frictionless start to industry testing.
Unifits provides three flexible access options, allowing central infrastructures to decide how banks are onboarded:
a) Self-registration – Banks register independently, gaining instant access to the portal.
b) Approval-based access – Banks register, and the central infrastructure provider approves their access.
c) Fully managed setup – The central infrastructure provider sets up and manages bank access directly.
This flexibility ensures that each financial market infrastructure can implement the access model that best fits its operational and security requirements.
The Unifits Bank Onboarding Poral follows industry-standard security protocols, including data encryption, secure access controls, and compliance with regulatory security requirements.
Regulatory & Compliance
Unifits ensures that the Unifits Bank Onboarding Poral is continuously updated to reflect the latest ISO 20022 and scheme-specific requirements, so banks always test against the most current standards.
Yes. The Unifits Onboarding Portal is flexible and adaptable to the specific needs of different financial market infrastructures, ensuring alignment with both regional and global regulatory requirements.
For example, a central bank can use the Unifits Onboarding Portal to provide testing for both its instant payment and high-value payment infrastructures. Banks can register once and seamlessly test across multiple schemes, ensuring compliance with different industry requirements – without the need for separate testing environments.
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.
Virtual participant for fmi
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.
Unifits test engine for FMI
An automated end-to-end testing solution that lets central infrastructures verify transaction flows before participants connect, eliminating manual effort and ensuring full validation of all scenarios.
