Invisible Failure Points
Transaction failures triggered by switch misconfigurations, timeout thresholds, or protocol mismatches remain invisible until live customers encounter them.
Tenjin TruSim · Payment & API Simulation
Payment failures don't begin in production. They begin in untested transaction ecosystems.
Tenjin TruSim enables banks, fintechs, and payment providers to simulate, validate, and certify complex payment and API ecosystems with high-volume transaction testing, real-time simulation, and intelligent automation.
High-VolumeTransaction Testing
Real-TimePayment Simulation
ISO 8583ATM · POS · Switch
APIVirtualisation & Mocking
PaymentCertification Ready
CI/CDDevOps Integration
The Problem
Untested ecosystems are the leading cause of payment failure
Payment systems are interconnected webs of protocols, standards, switch configurations, and third-party APIs. Traditional testing approaches simulate only the surface — leaving critical transaction paths, edge cases, and high-load scenarios untested until they fail in production. Tenjin TruSim was built to eliminate that risk entirely.
Third-Party Dependency Blocks
Waiting on external payment gateways, card networks, or banking APIs to be available for testing creates costly bottlenecks and delays certification timelines.
Low-Volume Test Coverage
Manual or script-based testing rarely goes beyond a few hundred transactions — leaving system behaviour under peak load completely unvalidated before launch.
Protocol Incompatibility Risk
ISO 8583, ISO 20022, and proprietary switch formats each carry unique field mappings and edge case behaviours that cannot be validated without dedicated simulation tooling.
Certification Gaps
Payment certifications require repeatable, auditable evidence of scenario coverage. Ad hoc testing leaves institutions unable to demonstrate compliance systematically.
Slow Regression Cycles
Every platform update requires re-validating the entire transaction ecosystem — a process that takes weeks without simulation-driven regression automation.
Payment Simulation
Simulate every transaction type, protocol, and failure scenario
TruSim provides purpose-built simulation engines for ATM, POS, ISO switching, and payment rail validation — enabling end-to-end coverage across the full transaction lifecycle.
ATM Transaction Simulation
Simulate the complete ATM transaction lifecycle including cash withdrawals, balance enquiries, PIN changes, card blocks, and reversal flows across all major ATM switch protocols.
POS & Merchant Simulation
Replicate merchant payment terminals, EMV chip, contactless, and QR-code payment scenarios with configurable network conditions, decline codes, and partial approval flows.
ISO 8583 Protocol Simulation
Full ISO 8583 message parsing, generation, and field-level validation across all financial transaction types — including settlement, reversal, chargeback, and advice messages.
Switch & Network Simulation
Simulate acquiring bank, issuing bank, and payment switch behaviour for domestic and international networks — including Visa, Mastercard, and proprietary switch configurations.
Payment Rail Validation
Validate SWIFT, SEPA, RTGS, UPI, IMPS, ACH, and Faster Payments flows end-to-end, including message transformation, enrichment, and routing logic.
Failure Scenario Injection
Deliberately inject timeouts, network latency, partial failures, duplicate transactions, and error responses to validate system resilience and exception handling logic.
API Virtualisation
Test API integrations without third-party dependencies
TruSim's API virtualisation framework creates faithful replicas of external payment APIs, core banking services, and fintech partners — enabling continuous testing independent of live environment availability.
Virtualisation Capabilities
Full API ecosystem simulation
From REST and SOAP to ISO messaging, TruSim virtualises every interface layer in your payment ecosystem so testing is never blocked by external dependencies.
REST & SOAP API Mocking
Create stateful virtual services that replicate real API behaviour including authentication, error codes, rate limiting, and dynamic response generation based on request parameters.
Dynamic Response Templating
Define response templates that adapt to incoming request data — enabling realistic simulation of account lookups, balance checks, and transaction status enquiries.
Stateful Conversation Flows
Simulate multi-step API interactions where each call depends on prior state — essential for payment initiation, authorisation, clearing, and settlement sequences.
Third-Party Fintech Simulation
Replicate open banking APIs, payment gateway interfaces, card network certification endpoints, and bureau services without requiring live access to external systems.
Protocol-Level Validation
Validate API contracts against OpenAPI specifications, ISO message schemas, and custom field definitions — catching integration defects before they reach production.
Performance & Volume Testing
Validate your systems under real-world transaction load
TruSim generates high-volume, realistic transaction traffic to stress-test payment infrastructure, identify bottlenecks, and validate throughput SLAs before peak periods.
Millions of Transactions
Generate millions of realistic payment transactions in controlled bursts or sustained ramps — validating system capacity, response times, and error rates under load.
Peak Load Simulation
Replicate month-end settlement spikes, festival payment surges, and promotional campaign traffic patterns to ensure your infrastructure holds under real-world peak conditions.
Concurrent User Modelling
Simulate thousands of concurrent cardholders, merchants, and system integrations simultaneously — exposing race conditions, lock contention, and resource exhaustion scenarios.
Regression at Scale
Run full regression suites across the entire transaction matrix after every platform update — automatically flagging regressions across payment types, channels, and amounts.
SLA Threshold Validation
Define performance SLAs per transaction type and validate that your system meets authorisation time, settlement time, and availability targets under configured load profiles.
Detailed Performance Reports
Receive structured performance reports with per-transaction latency, throughput curves, error rate breakdowns, and actionable bottleneck identification for engineering teams.
DevOps & CI/CD Integration
Embed payment simulation into every release pipeline
TruSim integrates natively with modern DevOps workflows — enabling continuous payment testing as part of your existing CI/CD pipelines without any manual intervention.
Jenkins & GitHub Actions
Trigger TruSim simulation suites directly from CI pipeline events — blocking releases when payment certification criteria are not met.
REST API Orchestration
Drive all TruSim capabilities programmatically via REST APIs — integrating simulation execution into orchestration platforms, test management tools, and deployment workflows.
Docker & Container Support
Deploy TruSim simulation environments as containers for ephemeral, on-demand test environments that spin up and tear down with each pipeline run.
Automated Certification Gates
Define payment certification criteria as pipeline gates — automatically generating audit-ready certification reports when all simulation scenarios pass threshold requirements.
Real-Time Execution Dashboards
Monitor simulation runs in real time with live transaction counters, error rate indicators, and execution progress — visible to both engineering and operations teams.
Explore TruSim Modules
Purpose-built simulation for APIs and Payments
TruSim is available in two focused modules — each designed to address a specific dimension of your transaction ecosystem testing requirements.
TruSim for APIs
Virtualise, mock, and validate every API integration in your payment ecosystem. Remove third-party dependency from your test cycles and achieve continuous API certification at speed.
Reference: tenjinonline.com → TruSim API
TruSim for Payments
Simulate the complete payment transaction lifecycle across ATM, POS, ISO switching, and payment rails. Certify payment systems with reproducible, auditable simulation evidence.
Reference: tenjinonline.com → TruSim Payments
Part of the Tenjin Suite
TruSim works alongside Tenjin Workbench, Tenjin Pulse, and Tenjin Kairo to give your organisation a unified, end-to-end quality engineering platform for all financial technology.
Ready to eliminate payment risk before production?
See how Tenjin TruSim can transform your payment and API testing practice — from reactive firefighting to proactive simulation-driven certification.