Cardiff · Payment institutions
Software and system testing for payment institutions in Cardiff
In short
Forth Systems is an Edinburgh-based software, system testing and AI partner working with payment institutions in Cardiff and across Wales. Cardiff is the financial-services centre of Wales, with major banking, insurance and government-tech operations. For payment institutions, DORA, safeguarding controls and FCA pressure on rails operators. We work across sponsor bank connectivity, scheme certifications, safeguarding accounts and reconciliation — and deliver first-time scheme certification, defensible safeguarding and clean reconciliations.
Why payment institutions in Cardiff work with Forth
Cardiff is the financial-services centre of Wales, with major banking, insurance and government-tech operations. For payment institutions, DORA, safeguarding controls and FCA pressure on rails operators. We're a small, senior, UK-staffed team — engagements are run by named engineers with regulated-environment fluency, not an offshore pool.
What we deliver for payment institutions
Independent system testing (UAT, SIT, regression, payments and Open Banking conformance), integration work across sponsor bank connectivity, scheme certifications, safeguarding accounts and reconciliation, legacy modernisation, AI integration and platform engineering. Onsite in Cardiff when the engagement demands it; remote-first otherwise.
Outcomes payment institutions clients see
Engagements typically deliver first-time scheme certification, defensible safeguarding and clean reconciliations. Every output is version-controlled, evidence-ready and mapped to the FCA, PRA, DORA, ISO 27001 or sector-specific controls that apply.
How a Cardiff engagement runs
Step 1: a fixed-scope, paid discovery against a real payment institutions workload. Step 2: a 30-day pilot that ships measurable change. Step 3: a continuation engagement with named engineers, monthly reporting and a clear renewal point. No long contracts before evidence.
Why a UK-onshore partner matters for payment institutions
Second-line and regulators increasingly want clarity on who staffs critical work, where data sits and how vendor risk is controlled. We're UK-incorporated, UK-staffed and set up for DPAs, supplier security questionnaires, third-party risk assessments and Crown Commercial DPS engagement.
Frequently asked questions
Do you work with payment institutions based in Cardiff?
Yes — most of our work is delivered into FCA-regulated and infrastructure firms, including payment institutions based in Cardiff and elsewhere in Wales. Anonymised case studies are available on request.
Can you be onsite in Cardiff?
Yes. Forth Systems is Edinburgh-headquartered with named engineers onsite in Cardiff where the engagement requires it. Remote-first otherwise, with the same governance either way.
What regulatory frameworks do you cover for payment institutions?
Our delivery to payment institutions maps to FCA, PRA, DORA, Consumer Duty, SS2/21 and ISO 27001 evidence requirements where they apply, with traceable test scenarios and audit-ready evidence packs.
How fast can you start an engagement in Cardiff?
Most engagements start within 2-4 weeks of a signed SoW, with onsite presence in Cardiff arranged within the same window when required. Faster where an existing supplier framework is in place.