Fraud Alert

Fintech and Banking
Software Testing Services

Vervali tests payment, lending, KYC, wealth and digital banking platforms: transaction and settlement flows, third-party payment and identity integrations, security and PCI DSS coverage, performance at month-end and campaign peaks, and the audit evidence a regulator or a bank's own risk team will ask for. Delivered from an ISO/IEC 27001 environment under CMMI Maturity Level 3 process.

150+ clients 450+ projects 275+ engineers 15+ years
Fintech and banking software testing for payments, lending and KYC, Vervali
ISO/IEC 17025:2017 testing laboratory accreditation mark

ISO/IEC 17025:2017Accredited testing laboratory

CMMI Maturity Level 3 process award

CMMI Maturity Level 3The process is written down and repeats

ISO 9001:2015 quality management certification mark

ISO 9001:2015Quality management

ISO/IEC 27001 information security certification mark

ISO/IEC 27001Information security

Where Financial Platforms Break

Six places where money moves, an auditor asks for evidence, and a release cannot break either.

Payments and Settlement

Reconciliation breaks, duplicate postings and timing windows nobody tests. We test the window, the retry and the reverse path, not only the happy capture.

Lending and Origination

Rule changes that silently reprice, and documents that no longer match the offer the borrower accepted. We rebuild the intended rule with your credit owner when there is no spec.

KYC and Onboarding

Third-party identity services that fail slowly instead of cleanly. We test the slow vendor, the partial payload and the applicant who already started on a phone.

Wealth and Portfolio

Valuation and rounding across currencies and corporate actions, and a statement that no longer matches the screen. Expected results are written with your operations owner first.

Mobile Banking

Session handling, the offline case, push tied to a payment and deep links from email. Device coverage is scoped on mobile application testing.

Audit Evidence

The controls evidence a regulator or a bank risk team will ask for, produced as the testing runs and not assembled afterwards.

Find the failures in the money path before your customers do.

Free Gap Check

Security and Compliance Testing

What is tested, and against what: the controls a bank risk team will ask about.

PCI DSS Where Card Data Moves

We test the card data you touch and what is tokenised. We test your controls. We do not issue a PCI, FDIC or SEC certificate.

Access Control and Audit Logging

Segregation of duties, role access and the audit trail checked, so the evidence exists before the examiner asks. Method is on compliance testing.

Attack Work, Scoped Separately

Application and API attack testing runs on agreed in-scope assets. See security testing and penetration testing.

Controls Tested, Not Certified

Vervali tests client controls and evidence for SOC 2 readiness and does not hold or issue that certification. ISO/IEC 27001 is held by Vervali. We do not claim certified security staff.

Performance Under Real Banking Load

Generic load testing misses financial platforms, because the load is not uniform and the shape that breaks the platform is rarely the biggest.

Salary Day and Month End

Predictable and concentrated. Modelled from your own volumes with settlement and statements loaded, not only login. Login that stays up while posting dies is a failed close.

A Campaign

Onboarding and KYC spike while payments still have to clear. We test that mix, with the identity vendor busy and the ledger already posting.

Market Open

Wealth and trading paths, valuation and the screens people watch. The test is whether quotes, orders and positions still agree when the feed is slow.

The profile is modelled from your transaction history, not a round number of virtual users. Method is on performance testing.

Model the load from your own transactions, not a round number.

Talk to a QA Lead

Test Data Without Real Customer Data

Production data cannot be copied into a test environment, and a risk officer is auditing exactly that.

Masking and Synthetic Data

Masking and synthetic generation give testers a portfolio that behaves like production, without the breach.

Referential Integrity Kept

A masked account still has the loans, cards and KYC records that belong to it, so the paths still run end to end.

Refreshed on a Schedule

Refresh is on a schedule, not a one-off export. Method is on test data management and compliance.

Data access is agreed before anything is signed. We will not start against live customer records. HIPAA, GDPR and PCI rules named in the quote are tested, and we do not issue those certificates.

Case Studies

Four engagements, sector and country only. They show Vervali has tested and built financial systems at that scale.

India · two leading private-sector banks

Before: loan processing and agent onboarding were too slow for the compliance the engagement required. Vervali built and tested the paths that move a file from application to disbursal, and the onboarding that puts an agent on the floor. After: 60% faster loan processing, 50% less agent onboarding time, and 100% compliance on the controls named in that work.

60% faster loan processing 50% less agent onboarding time 100% compliance

UAE · SME finance platform · web and mobile

Before: testing time was eating the sprint. Vervali put automation on the repeatable finance journeys and kept exploratory work and UAT support in human hands. After: 40% less testing time, and 98% user satisfaction.

40% less testing time 98% user satisfaction

Abu Dhabi · wealth-management application

Before: production issues were reaching clients. After the pack ran on the valuation and servicing paths that actually failed: 80% fewer production issues.

80% fewer production issues

Financial services · KYC deepfake detection

Before: manual review was the bottleneck on identity. A detection model for know-your-customer cut that load: 70% less manual review at 75% detection accuracy. It is model work on KYC, not a claim that every onboarding stack used that model.

70% less manual review 75% detection accuracy

How an Engagement Starts

From a first look at one framework to a pack that keeps pace with your releases, 9am to 1pm Eastern with delivery from India.

  • 01

    Share the Platform

    Tell us the products in play (payments, lending, KYC, wealth, mobile) and the paths that move money or fail an audit, with staging access under NDA.

  • 02

    Get the Coverage Model

    A first assessment is quoted after that look: the coverage model, the controls in scope and the load shapes that apply, salary day, month end or a campaign.

  • 03

    Start With One Framework

    A free gap check on one framework is the fastest first look. If you already know the platform, a QA lead scopes the full engagement. We will not copy production customer records into a test environment.

  • 04

    Keep It Current, Build What's Next

    We keep the pack current as rules, vendors and releases change. Development comes second: the same team can build payments, onboarding, wealth and mobile through our fintech and banking software development.

One framework, one look

Put Your Payment Platform to the Test

Tell us the platform and the path that moves money. We come back with coverage, controls and a quote your CTO and finance lead can both sign.

ISO/IEC 27001 · CMMI Level 3 · 275+ engineers · 9am to 1pm Eastern

Frequently Asked Questions

We test PCI DSS where card data moves, access control, audit logging, data protection and the controls evidence a bank risk team will ask for. FDIC, SEC and similar rules are named in the quote as tests, not as a certificate we issue. Vervali tests your controls for SOC 2 readiness and does not hold that certification. Method is on compliance testing.

Application and API attack work runs as a separate engagement on agreed in-scope assets, and a retest after fixes. It covers payments, KYC, access control and audit evidence. We do not issue a PCI certificate and we do not claim certified security staff. See security testing.

Yes, when the model sits on a named journey: fraud flags, KYC review, credit decisioning or a chat that moves money. We test the inputs, the decision the customer sees and the audit trail a risk team will ask for. We do not invent an accuracy figure for a model we have not run. Our KYC deepfake work cut manual review 70% at 75% detection accuracy.

We test capture, retry, reverse, duplicate posting and the window between the gateway and the ledger. A payment that looks captured while the settlement does not agree is the case that matters. PCI DSS scope is the card data you touch and what is tokenised. We test those controls and do not issue a PCI certificate.

We model load from your own history instead of a generic spike: salary day, month end, statement generation, market open and a campaign. The shape that breaks the platform is rarely the biggest, so each is tested on its own. Load is quoted from the shape you actually get. See performance testing.

Production data stays out of the test environment. Masking and synthetic generation keep a portfolio that still behaves, with the loans, cards and KYC records that belong together. Refresh runs on a schedule, and data access is agreed before anything is signed. HIPAA, GDPR and PCI rules named in the quote are tested, and we issue no certificates.

Yes. Testing comes first, and the same company can build the platform: payments, onboarding, wealth and mobile. Larger suites such as ERP and CRM are scoped on their own pages. See fintech and banking software development.

It is testing of payment, lending, KYC, wealth and digital banking platforms: transaction and settlement, identity integrations, PCI DSS and security coverage, performance at month-end and campaign peaks, and the audit evidence a regulator or a bank risk team will ask for. General method is on application testing.
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