AI-Powered Payment Testing for Zero-Surprise Launches.
AI-driven transaction validation: mirror real customer behavior, create synthetic transactions at scale, and verify against major payment system standards. Live in 4 weeks
Test coverage
98%
Pass rate
97%
Why Test360 Stands Apart
Built for payment professionals who demand precision, speed, and real-world accuracy in transaction testing.
Pattern Analysis on Your Data
Unlike generic testing tools, Test360 analyzes your actual transaction behavior to create intelligent test scenarios. Our AI-powered engine learns from your historical data, identifying patterns, anomalies, and edge cases that matter to your business. Tests are generated based on real-world usage, not theoretical scenarios.
Synthetic Transaction Generator
enerate synthetic transactions compliant with ISO 8583 standards across all major card networks. Test360 supports comprehensive testing for Visa, Mastercard, American Express, Discover, UnionPay, JCB, and Diners Club. Create thousands of realistic test transactions instantly.
Real-Time Bank Validation
Validate transactions against your actual banking standards and regulations in real-time. Test360 connects with banking validation services to ensure your payment systems meet compliance requirements before going live. Catch issues early, avoid costly production failures.
Super Easy Setup
: No lengthy implementation cycles. Test360 integrates seamlessly with your existing payment infrastructure through our streamlined onboarding process. From initial setup to first test execution, most teams are fully operational within 14 days. Dedicated support ensures smooth deployment.
Complete Payment Testing Coverage
Test360 is an AI-powered payment testing platform designed for banks, payment processors, and financial institutions. Automate creation, execution, and validation of payment transaction test scenarios—reducing manual QA effort by up to 80% while increasing test coverage and reliability.
Test360 Issuing Test Suite
Core Product
Covers the full lifecycle of card-based payment transactions from the issuing bank's perspective. Connects to the bank's transaction logs via read-only access, uses AI pattern recognition to identify real-world transaction flows, and automatically generates statistically validated test scenarios.
Key Capabilities:
- ✓ Natural language test generation ("German restaurant POS, €50–€200")
- ✓ jPOS and ISO 8583 protocol support
- ✓ 15–30 scenarios covering 60–80% of edge cases
- ✓ Core Banking Check Engine with 9 validation dimensions
- ✓ Automated regression testing with root cause analysis
Best for: Issuing banks undergoing core banking migrations, new product launches, or regulatory compliance testing.
Test360 Acquiring Test Suite
Focuses on the merchant-side and acquirer-side of payment processing, validating the full authorization, clearing, and settlement chain from terminal to processor. Simulates POS terminal behavior across device types and transaction categories.
Key Capabilities:
- ✓ Multi-terminal simulation (contactless, chip, magnetic stripe)
- ✓ Authorization flow validation
- ✓ Clearing & settlement file verification
- ✓ Chargeback and dispute flow testing
- ✓ Multi-currency acquiring support
Best for: Payment processors, acquirers, and banks launching new merchant acceptance products or integrating new terminal types.
Test360 Diff Engine
Migration Validation Tool
Runs transactions in parallel against two systems—typically a legacy core banking system and its modern replacement—and compares outputs field by field to detect discrepancies. Injects identical transaction inputs into both systems simultaneously, capturing all response data for structured comparison.
Key Capabilities:
- ✓ Parallel dual-system execution
- ✓ Field-level diff analysis
- ✓ Configurable tolerance thresholds
- ✓ Migration regression suite
- ✓ Exportable audit reports for compliance sign-off
Best for: Banks and processors executing core banking platform migrations, payment scheme upgrades, or major system re-platforming projects. Directly addresses the industry-wide 83% migration failure rate.
Test360 SEPA Test Suite
Coming Soon — Q4 2026
End-to-end testing coverage for all major SEPA payment instruments, enabling European banks and payment institutions to validate compliance and operational readiness.
Planned Coverage:
- ◦ SEPA Credit Transfer (SCT) & Instant (SCT Inst)
- ◦ SEPA Direct Debit Core (SDD Core) & B2B (SDD B2B)
- ◦ ISO 20022 message format validation (pain.001, pain.002, camt.054)
- ◦ End-to-end flow simulation with R-transaction handling
- ◦ Regulatory compliance checks against EPC rulebooks
Best for: European banks, PSPs, and payment institutions preparing for SEPA scheme updates, instant payment adoption, or ISO 20022 migration.
Bank Branch Simulator
Coming Soon — Q4 2026
Extends Test360's coverage to branch banking operations, enabling validation of teller-initiated transactions and their downstream impact on core banking systems.
Planned Coverage:
- ◦ Cash deposit and withdrawal processing
- ◦ Teller-initiated fund transfers
- ◦ Account opening and closure flows
- ◦ Cash management and vault reconciliation
- ◦ Multi-teller simulation with end-of-day reconciliation
Best for: Banks modernizing branch infrastructure, deploying new teller systems, or validating branch operations as part of core banking transformation.
Pattern-based testing, refreshed quarterly
Every 3 months, we analyze a privacy-safe export of your recent transaction logs to learn real-world patterns—amount ranges, MCC mix, approval/decline ratios, and edge-case spikes. We then refresh the synthetic scenario set so Test360 keeps testing what actually happens in your business, not hypotheticals.
ISO 8583 Synthetic Runs with Field-Level Diffs
We generate deterministic ISO 8583 messages for your core flows (auth, capture, reversal) and execute them against your test endpoints. Each run yields field-by-field assertions and instant diffs (e.g., DE39, DE55/EMV) with clean CSV/JSON logs your team can drop straight into tickets.
What you can achieve with Test360?
Discover how can you transform your payment testing processes and achieve remarkable results.
COVERAGE
Increase Coverage
Hit more paths across auth, capture, and reversal with parameterized synthetic ISO 8583 scenarios.
VELOCITY
Ship Faster
Cut manual cycles; run repeatable suites on demand so releases move without QA bottlenecks.
QUALITY
Fewer Escapes
Catch field-level mismatches early (e.g., DE39, EMV/DE55) before they reach UAT or prod.
EFFICIENCY
Lower Cost
Replace hours of manual execution with automated runs that are consistent and reusable.
EVIDENCE
Clear Proof
Export clean CSV/JSON logs and diffs for each run—easy to attach to tickets and share.
REPEATABILITY
Reproduce Bugs
Deterministic inputs make defects trivial to reproduce, fix, and verify.
RELEVANCE
Stay Aligned
Quarterly pattern analysis refreshes scenarios so tests reflect your latest real-world traffic.
Enhance your testing strategy with us.
Built by Banking Veterans & Startup Innovators
Our team combines decades of payment systems expertise from tier-1 banks with the speed and pragmatism of proven startup operators. We've lived the pain of payment migrations and testing—now we're fixing it.
William Benko
CEO, Co-founder
First Managing Director of Euronet, series entrepreneur, and fintech investor with deep expertise in building and scaling payment infrastructure across global markets.
Pedro Sipos
Partner, Co-founder
30+ years of experience in bank technology and fintech. Deep expertise in payment systems architecture, core banking platforms, and financial technology transformation.
Peter Orban
Partner, Co-founder
15+ years of experience in scaling startups from early stage to market leadership. Proven track record in building high-growth fintech companies and operational excellence.
Leo Otto Ban
Sales Partner DACH
Extensive sales experience in fintech and payment solutions across the DACH region. Proven expertise in building strategic partnerships with banks and financial institutions.
Alexander Dornbusch
Sales Partner DACH
Sales Partner specializing in the DACH region with strong relationships in the banking and financial services sector. Focused on strategic enterprise partnerships and growth.
Ready to take the next step?
Book a free strategy call with our experts to discuss how Test360 can enhance your testing process.