Comprehensive test data generation for Open Banking APIs, payment systems, and financial workflows
Smart Data Simulator provides realistic, PCI-DSS compliant test data for banking systems, Open Banking APIs, payment processing platforms, and financial compliance training.
Generate production-quality transaction data, customer profiles, and Open Banking API scenarios that comply with UK Open Banking, PSD2, ISO 20022, and other global financial standards.
Transactions Generated
API Scenarios
Compliant
Full support for Open Banking v3.1 Read/Write APIs
SWIFT payment messages including pain, pacs, and camt
Realistic patterns for ML model training and testing
Complete test data for Open Banking UK specifications
Generate realistic account data and transaction histories compliant with Open Banking v3.1
/accounts
List of customer accounts (current, savings, credit cards)
/accounts/{AccountId}/transactions
Historical transactions with merchant data, categories
/accounts/{AccountId}/balances
Current and available balances
/accounts/{AccountId}/beneficiaries
Registered payees and beneficiaries
/accounts/{AccountId}/standing-orders
Recurring payment instructions
/accounts/{AccountId}/direct-debits
Active direct debit mandates
Test payment flows including domestic, international, and scheduled payments
/domestic-payments
Single immediate domestic payments
/domestic-scheduled-payments
Future-dated payment instructions
/domestic-standing-orders
Recurring payment setup
/international-payments
Cross-border payment transactions
/domestic-payments/{PaymentId}
Payment status and details
Real-time balance verification for card-based payments
/funds-confirmations
Check if funds available for transaction amount
/funds-confirmations/{ConsentId}
Retrieve consent details and status
Global standard for electronic data interchange between financial institutions
Generate ISO 20022 XML messages for SWIFT payment processing, SEPA transactions, TARGET2, and other real-time payment systems.
Ready-to-use training scenarios for common banking workflows
Comprehensive coverage of global and regional payment formats
Single Euro Payments Area
Real-time UK payment system
Automated Clearing House
Society for Worldwide Interbank Financial Telecommunication
Instant payment systems
Payment card processing
Tailored solutions for financial services professionals
Train banking staff on new systems without using real customer data
Test Open Banking integrations and fintech applications
Validate fraud detection systems with realistic attack patterns
Meet PSD2, GDPR, and PCI-DSS testing requirements
Generate datasets for fraud detection and credit scoring models
Reduce time to production with comprehensive test data
Get started with Smart Data Simulator for Banking today