Pillars
Payments testing: the UK partner for banks and regulated firms
In short
End-to-end payments testing across Faster Payments, BACS, CHAPS, card schemes and ISO 20022 — sandbox to production. We build payments test harnesses, golden message libraries and assurance suites that cover happy path, edge case and dispute flows.
Why payments testing matters now
Payments rails are unforgiving: a malformed pacs.008 or a missed Confirmation of Payee response becomes a customer-detriment incident.
What Forth does
We build payments test harnesses, golden message libraries and assurance suites that cover happy path, edge case and dispute flows.
Who it's for
PSPs, sponsor banks, fintechs onboarding to Pay.UK, card issuers, acquirers and treasury teams.
What good looks like
Pay.UK and scheme readiness signed off first time, with replayable evidence for every test cycle.
How we engage
We start with a fixed-scope audit, ship a pilot inside 30 days, then run an ongoing engagement with named engineers — not an offshore pool. Every output is evidence-ready and version-controlled.
Frequently asked questions
Do you work with FCA-regulated firms on payments testing?
Yes — most of our payments testing work is delivered into FCA-regulated banks, payment institutions and insurers, with output mapped to the relevant FCA, PRA and DORA evidence requirements.
How quickly can you start?
Fixed-scope audits typically start within two weeks of a signed SoW. Larger payments testing programmes start in 4-6 weeks once supplier onboarding is complete.
Do you sign DPAs and supplier security questionnaires?
Yes. We're set up for standard DPAs, RFIs, supplier security questionnaires, third-party risk assessments and Crown Commercial DPS engagement.
Where is delivery based?
Delivery is UK-based out of Edinburgh, with named engineers and onsite presence in London and across Scotland as required.
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