Fintech QA and testing services

Payment flow testing

End-to-end testing of card and account payments from authorisation to settlement, including every failure, retry, and refund path.

Card issuing and processing testing

Testing of card programmes on the issuer side, from card creation and controls to authorisation decisions, tokenisation, and disputes.

Ledger and reconciliation testing

Verification that every money movement is recorded once, balances reconcile with partner banks and processors, and corrections leave an audit trail.

Financial calculation testing

Testing of every calculation that becomes money for the client or the customer, such as fees, interest, FX, accruals, rewards, and tax.

Bank transfers and payment rails testing

Testing of ACH, SEPA, wires, SWIFT, and Canadian EFT flows, including bank file formats, cut-off times, returns, and rejections.

Trading and investment platform testing

Testing of the order lifecycle, market data, margin, and portfolio logic where latency and precision decide the customer's money.

Crypto exchange and wallet testing

Testing of deposits, withdrawals, custody, staking, and on-chain integrations, including chain reorganisations and stuck transactions.

Lending and credit decisioning testing

Testing of loan origination, credit decisions, repayment schedules, and collections so that each customer gets the terms the rules define.

Subscription billing and revenue testing

Testing of plans, proration, usage metering, dunning, and revenue recognition, where small errors repeat on every invoice.

Payroll and tax calculation testing

Testing of pay runs, withholding, contractor payments, and tax forms across jurisdictions and rule changes.

Insurance platform testing

Testing of quote engines, underwriting rules, policy lifecycle, and claims workflows, including MGA and carrier integrations.

POS and payment device testing

Testing of card terminals and POS software, including EMV, contactless, offline mode, and end-of-day reconciliation.

Open banking API testing

Testing of bank connections, consent flows, token refresh, and data normalisation across bank APIs and aggregators.

BaaS and partner bank integration testing

Testing of integrations with BaaS providers and partner banks, including API contracts, webhooks, programme controls, and the evidence partner banks request.

API and webhook testing

Contract, reliability, and idempotency testing of public and partner APIs for platforms that other fintechs build on.

KYC, AML and fraud testing

Testing of identity verification, sanctions screening, transaction monitoring, and fraud rules for accuracy and false positive rates.

Chargeback and dispute testing

Testing of dispute intake, evidence assembly, network deadlines, and representment outcomes.

ERP and accounting integration testing

Testing of data sync between finance products and ERP or accounting systems, so that entries, currencies, and tax lines arrive once and correctly.

Mobile banking and finance app testing

Testing of iOS and Android finance apps on real devices, including biometrics, app security controls, push flows, and deep links into payments.

Data and platform migration testing

Testing of migrations between core banking systems, ledgers, and payment providers so that balances, histories, and tokens move without loss.

Performance and load testing

Testing of throughput and latency at peak loads such as sales events, tax deadlines, payday, and market opens.

Operational resilience testing

Testing of failover, degradation, and recovery for ICT systems and third-party providers, in the form DORA and partner banks expect.

Security testing

Application and API security testing of financial products, including the penetration tests PCI DSS requires.

Data privacy and test data management

Verification of how personal and financial data is collected, masked, retained, and deleted, and supply of synthetic data for safe testing.

Accessibility testing

Testing of web and mobile finance products against WCAG 2.2 for customers who use assistive technology.

Test automation

Automated regression suites in CI so that financial flows are checked on every release without blocking release cadence.

Audit and certification test evidence

Testing work and documentation prepared in the form auditors, assessors, and partner banks request.

QA audit and test strategy

Assessment of current testing against the risks of the product and a plan to close the gaps, including technical due diligence before funding or acquisition.

Dedicated fintech QA team

A managed team of QA engineers with fintech background who work inside the client's release process.