Finteq PaySim

The Finteq Payment Simulator (FPS or PaySim) is an automated test system developed by Finteq to respond to the challenges experienced by both participants and the clearing house during industry testing.


The product includes both a bank simulator as well as an FCH simulator and can be deployed to simulate various steps in the end-to-end process to remove dependencies and evolve the test methodology.

  • Passive Bank Simulator – Receives/responds to transactions without the need for another test partner bank.
  • Active Bank Simulator – Originates/sends transactions without the need for another test partner bank.
  • Passive ACH Simulator – Receives/responds without the need for an ACH.
  • Active ACH Simulator – Originates/sends transactions without the need for an ACH. Each of these simulators has different uses and should be applied based on customer needs.

The difference between the ACH and Bank simulator

The Bank simulator (passive or active) can simulate the overall clearing and settlement process; however, the ACH simulator (passive or active) is only able to complete integration and functional testing. By simulating either a passive (response-based) or active (submitter) participant, the bank and clearing house can test without requesting other banks to be involved. This reduces the overall effort for testing, removes dependencies and reduces costs. A major benefit is in enabling Banks to test their own changes (whether industry or local) without requesting resources from the ACH, which reduces costs and improves quality.

PaySim configurations:

  • Message Library Configuration
  • Message Relationship Pattern Configuration
  • Test Scenario and Test Case Configuration
  • Test Program Configuration
  • Account Number Configuration
  • Passive Test Plan Configuration
  • Active Test Plan Configuration

For both passive and active simulators, the Testing Bank is responsible for defining a test plan to be executed. The latest test plan configured is always used when a message is received by the Passive Simulator or when a message is generated by the Active Simulator.

Passive simulator

Active simulator