Payment Scheme Simulators
Run multi-scheme A2A testing through a single API
Gain insights about how the Form3 API and payment schemes function to help inform your payment modernisation programme. Access our non-live testing environment via a secure public connection or private connectivity for full functional testing.
Experience the world’s first full-fidelity scheme simulator
Conducting tests in an environment that is identical to Live Production is a real game-changer. Gain confidence in your implementation, knowing that success in Testing will mean a successful launch in Production.
All the scheme simulators use the same API structure as the Production version. The payment values you enter trigger different test scenarios, including all possible error conditions. The responses you receive are exactly as per payment schemes.
The scheme simulators are used daily by our largest customers to test edge cases, integrate with their systems, and to try out new schemes on our platform prior to going live. It is an indispensable tool for them during project ramp-up as well as in production.
The Form3 test environment is backed up with production performance and availability SLAs, and if required, paid engineering support is available.
Learn how our single JSON messaging protocol interacts with multiple schemes and can save you time on multiple scheme integrations. Test schemes from across the US, Europe and the UK.
Experience the world’s first full-fidelity scheme simulator
De-risk your technical implementation
Conducting tests in an environment that is identical to Live Production is a real game-changer. Gain confidence in your implementation, knowing that success in Testing will mean a successful launch in Production.
Verify the functionality of payment systems
All the scheme simulators use the same API structure as the Production version. The payment values you enter trigger different test scenarios, including all possible error conditions. The responses you receive are exactly as per payment schemes.
Tried and tested by our customers
The scheme simulators are used daily by our largest customers to test edge cases, integrate with their systems, and to try out new schemes on our platform prior to going live. It is an indispensable tool for them during project ramp-up as well as in production.
Test in a fully-supported environment
The Form3 test environment is backed up with production performance and availability SLAs, and if required, paid engineering support is available.
Understand how the Form3 API works
Learn how our single JSON messaging protocol interacts with multiple schemes and can save you time on multiple scheme integrations. Test schemes from across the US, Europe and the UK.
Simple and fast integration Full onboarding support availableWhy use our simulators for testing
I witness first hand the huge benefit our customers derive from using simulators on a daily basis. They use it constantly to test any changes to their infrastructure, and simulate edge cases they encounter. An indispensable tool for them.
Julian Thompson · Senior Product Manager
Simulate A2A payments
Build Trust and go live with confidence
Whether you are building instant push payments, updating reconciliation workflows, or integrating verification of payee, our Scheme Simulators give you a production-grade environment to test it all. Try scenarios like delayed settlement, reversed transactions, or non-standard messaging — across UK, EU & US schemes — over secure public endpoints or private links. All without touching production, all without surprises.
