Crowdtesting in the Context of Payment Processes - How msg.passbrains Takes Payment Testing to the Next Level

by | Payment Testing, Special Services

The payment sector is undergoing significant transformation, with increasing complexity in the requirements for banks and payment service providers. With the shift from PSD2 to PSD3 by 2026, the introduction of ISO 20022, and the growing importance of Open Banking, banks and payment service providers face new challenges. Discover why crowdtesting is invaluable in the payment sector and the unique benefits msg.passbrains' modern testing platform offers.

 

Why Crowdtesting is Crucial

Payment transactions are a critical focus in the financial sector and must be reliable, secure, and user-friendly. A faulty transaction can have severe consequences. Banks and payment service providers must thoroughly test their systems and APIs to ensure they operate reliably. The transition to ISO 20022 and compliance with PSD2 and the upcoming PSD3 require extensive adjustments in company systems. How can such complex systems be tested effectively?

 

The Crowd as the Key to Successful Testing

Crowdtesting involves real users with real devices and bank accounts in the companies' testing processes. Why is this so important? Because two critical areas cannot be tested automatically:

  1. Interface Functionality: Banks and payment service providers need to ensure their APIs work flawlessly in payment initiation services. Only real customers can confirm that their transactions run smoothly and that all operations are executable on their respective devices and browsers.
  2. Correct Display: Account information services are a crucial part of Open Banking. Ensuring that account information is correctly displayed for customers is of utmost importance. This, too, can only be verified by real users under real conditions.

 

Making Payment Tests Easy

msg.passbrains sets the foundation for an impeccable testing experience with its modern platform. Testers work with various device types, browsers, and accounts. The test results are recorded on the platform, accumulated, and finally compiled into reports for the client.

msg.passbrains offers a range of tests specifically for payment processes:

For payment initiation service providers (PISP), testers perform micro-transactions and subsequently check if the transactions were successful. When testing account information service providers (AISP), they verify if the account information is displayed correctly. The evidence obtained from these transactions and account information is invaluable for banks, e-commerce operators, and payment service providers. This, combined with the qualitative feedback from testers, plays a crucial role in quality assurance.

 

The Advantage with msg.passbrains

In addition to professional crowdtesting, msg.passbrains provides further consultancy through msg for banking. This ensures that our clients' payment systems meet the highest standards and fully satisfy their users' expectations.

 

Conclusion

In the payment industry, reliable payment systems are crucial for success. Crowdtesting is key to ensuring that transactions work and account information is displayed correctly. msg.passbrains offers a comprehensive 360° service to meet these demands.

Do you have any questions?

Read more here:

Why online government services are not yet fully developed - and how crowdtesting can help

Citizens expect to be able to deal with public authorities easily and efficiently online. But the reality is often different: Many government portals unsettle users with long loading times, complicated forms and unclear instructions....

Automated Test Case Generation with AI: msg.TestcaseGen.ai optimizes your test process

In software development, precise test cases are essential for optimally testing the quality and functionality of an application. However, the manual creation of test cases is time-consuming, error-prone and ties up valuable capacity....

Why Crowdtesting and Usability Testing are Essential for Digital Products

Digital products are at the heart of many business models. Companies invest a lot in development and design, but if a product fails to meet the actual needs of users, this leads to frustration, high bounce rates and loss of sales.

Mass Data Testing for AI: Quality Assurance with Crowdtesting

Artificial intelligence (AI) must not only be precise, but also scalable, robust and fair. For AI models to work reliably, they need extensive testing with real data and real users. Mass data tests in combination with crowdtesting offer...

Chatbot Testing: How to Ensure Quality and User-Friendliness

Chatbots are intelligent digital assistants that communicate with users via text interfaces. They are used in numerous industries, including e-commerce, banking and finance and healthcare. Companies use chatbots to...

The Difference Between Load Tests and Performance Tests

In modern software development, stability, speed and scalability are decisive factors for the success of digital applications. Load and performance tests are indispensable tools to ensure that your software works under the right conditions.

All articles:

Was ist Crowdtesting?

What is Crowdtesting?

Crowdtesting has established itself as one of the most innovative methods in the quality assurance of digital products. Real users test software, websites and apps under real conditions. This happens before...

read more