When bank clients use payments products, they can expect to receive files from the bank providing information on status of payments and on accounts. These files can include notifications of accepts, rejects and returns from the bank as well as from the clearing systems.

Clients need to prepare their systems and processes to use these files. They need a quick and easy way to understand the format and content of the files. The best way to do this is to provide example files to the client that contains the client’s own data. One approach is to pull example files from the production system and send these to clients. But with this approach, it can be difficult to show the variety of files that the client may receive, especially for payments rejects.

The Simulator is used by bank clients to create realistic bank response files, for example payment status reports, based on their own payments data.

How the Simulator Works?

The Simulator is browser-based and requires no installation. The user logs into our Service, selects the type of simulated responses they want to receive, and uploads payments data on which the simulated responses will be based. The Simulator produces a variety of responses for view and download, covering the most important business scenarios.

File formats supported