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Instant Payments Testing Simplified

Streamline and automate testing Instant Payments in the US, inclusive of FedNow and TCH RTP with Form3’s best-in-class simulator to ensure a seamless onboarding.

The time is now to start your testing

As the Federal Reserve prepares to roll out the FedNow Service in 2023, the momentum for real-time payments is truly accelerating. To ensure you’re ready to go live on Day 1, banks need to be testing their integrations now.

Testing payments is a necessary part of the business, yet a challenging one to address. Inadequate software testing can have dire consequences, but the increased complexity in payments testing has caused many institutions to overlook its importance.

This is where Form3 comes in. We provide a single solution to streamline and automate your instant payments testing, inclusive of FedNow and RTP. Our best-in-class simulator ensures a seamless onboarding and eliminates the need to wait for full scheme access.

The complexity of testing instant payments

Real-time payment systems need to manage instantaneous transaction processing, process feedback and to interface with both existing back-end systems and new APIs - all while adhering to complex business rules.

The nature of real-time payments still demands a thorough testing scope that makes sure there are no weak spots in both the system and its integration into the existing bank infrastructure. The fact that payment flows conclude within seconds rather than days has very little to no impact on the duration of a typical testing cycle. Automation is going to be key when it comes to saving time and reducing costs.

Form3 testing simplified - at a glance

With our instant payments sandbox environment, you can full test all certification criteria in a controlled environment, saving time and reducing costs. Our solution is pre-configured to virtualize all elements of the FedNow network, providing faster testing with better quality. Our end-to-end simulator seamlessly supports all use cases and certification scenarios, making testing a breeze.

What we provide

Remove the need to wait to for full scheme access, create and test your end-to-end workflow with complete confidence.

Faster testing, with better quality: our solution is pre-configured to virtualize all elements of the FedNow network.

Form3’s testing and validation have been proven in the field across multiple geographies including Faster Payments in the UK and SEPA Instant in Europe.

End to end test simulator

The Form3 portal seamlessly supports all use cases and certification scenarios, making testing a breeze. Our end-to-end simulator provides:

  • Feature-rich staging environment​
  • Nominal load for 6-month forecast​
  • Full range of certification test cases driven by trigger values of a payment
  • Exhaustive happy / unhappy path certification plan

Step into the future of real-time payments testing with Form3's US Payments Simulator.