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Payments · Tampere, Finland

XMLdation

XMLdation provides cloud-based payments testing as a service, including ISO 20022 payment file testing, payment rail simulators and API sandboxes, for banks, regulated fintechs and payment market infrastructures.

Headquarters
Tampere, Finland
Founded
2009
Sector
Payments
Fintech Award Points
+170, #165 of 204

About XMLdation

XMLdation is a Finnish Testing as a Service company that has delivered cloud-based payments testing since 2009. Its products include Payment File Testing (validator with AI Explain, response generator, documentation), Simo® Rail virtual buddy banks for RT1, TIPS and RTP, Simo® Market Infrastructure simulators and Simo® API Sandbox. They support client onboarding, ISO 20022 migration and participant certification. The company is ISO 27001 certified and says its clients include a third of the top 10 North American banks, two thirds of leading Nordic banks and more than 10 market infrastructures.

What XMLdation offers

  • Payment File Testing (Validator, Response generator, Documentation)
  • AI Explain validation reports
  • Simo® Rail virtual buddy bank (RT1, TIPS, RTP)
  • Simo® Market Infrastructure simulator
  • Simo® API Sandbox
  • Bank-branded self-service test environments
  • Participant onboarding and certification testing

Who XMLdation serves

  • Banks
  • Regulated fintechs
  • Central banks
  • Payment market infrastructures and scheme operators
  • Corporate clients of banks

Topics

  • payments testing
  • ISO 20022
  • testing as a service
  • payment file validation
  • real-time payments
  • API sandbox
  • market infrastructure
  • client onboarding
  • SaaS

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Profile researched by Alexandra Studio from public information about XMLdation, updated 10 November 2026. Something wrong or missing? Update your company or remove it.