Payment monitoring and compliance screening for Swiss banks

    Real end-to-end payment verification from the customer's perspective. Detect silent failures in real time.

    Book a meetingHow it works

    Keeping banking services running smoothly

    Koivu helps banks and fintechs keep their transactions running smoothly with reliable monitoring, testing, and optimization.

    24/7
    Monitoring coverage
    0
    Days per year
    <0 min
    Alert time
    0%
    End to end verification
    Always on

    24/7 always on is the new normal

    Payments and banking run around the clock. Koivu delivers continuous verification with pennytests between banks, TWINT and gateway checks, e banking and 2FA validation and fiat to crypto bridge monitoring so you have proof and real time alerts, not just hope.

    SIC Instant Payment

    24/7/365

    • •Live pennytests between banks
    • •24/7 DORA proof
    • •Real time alerts

    TWINT and cards

    24/7/365

    • •TWINT validation
    • •Gateway monitoring

    E banking and mobile

    24/7/365

    • •Fiat/crypto bridge
    • •SLA verification
    • •API uptime checks

    Digital asset trading

    24/7/365

    • •Fiat/crypto bridge
    • •SLA verification
    • •API uptime checks

    While your team sleeps, payments keep flowing. Shouldn’t someone be watching?

    The 73% gap

    73% of the week has no structured customer signal.

    Business hours | actively monitored

    0h| 0.0%

    Evenings, nights, weekends | unattended

    0h| 0.0%

    With Koivu

    Validation

    Proactive validation

    Real end to end payment tests with real money and real accounts across login, 2FA, clearing and confirmation.

    Reporting

    Structured reporting

    Structured monitoring protocol with full audit trail for FINMA, ongoing reporting and regular executive summaries.

    Alerts

    Real time alerts

    Verified email alerts within minutes that focus on real customer impact instead of noisy false positives.

    Coverage

    24/7 coverage

    Continuous outside in monitoring nights, weekends and holidays before the first customer calls.

    The challenge

    IT monitoring is not enough

    Traditional monitoring tells you if systems are running, not if payments are succeeding.

    Always on expectations

    eBanking and payments are 24/7 services, but support teams work business hours.

    Early problem detection

    Proactive E2E monitoring reduces downtime and improves client satisfaction.

    The real test is in production

    Agile releases and interconnected systems mean the real test is often in production.

    Compliance constraints

    FINMA demands operational resilience. Using real client data for testing is restricted.

    How it works

    Real payment validation end to end

    Koivu logs into a real business account. A real payment is initiated. The payment passes through clearing (SIC / SEPA / SWIFT). The receiving bank credits the funds. Koivu verifies the credit. You receive a structured signal.

    Interbank

    Product offerings

    Three products, one standard

    Outside-in signal, never the decision. Use independently or combine for 360° coverage.

    Continuous verification

    Transaction based end to end monitoring using Koivu's own bank accounts and funds.

    • Real pennytest payments 24/7
    • Using Koivu's own bank accounts
    • Automatic retry on failure (2x)
    • Instant email alerts
    • Weekly reports included

    Non sensitive client data

    Use Koivu GmbH as a compliant test client with a formal waiver of banking secrecy (Verzicht auf Bankkundengeheimnis). This gives your teams full access to transaction data and reference information without compliance restrictions. Instead of anonymized black box customer data, you get glass box identity data.

    • Waiver of banking secrecy (Verzicht auf Bankkundengeheimnis)
    • Use for feature rollouts with feature toggles
    • Full transaction history available for analysis
    • Reference data for testing and development
    • Real company with real Swiss banking relationships

    Compliance Screening

    Sanctions, PEP and enforcement screening for Swiss financial intermediaries. Always up to date, every hit with its source and record. Your team decides.

    • SECO, UN and further official sanctions lists
    • PEP, enforcement and adverse media context
    • Traceable record per hit
    • Mandatory lists updated daily
    • Signal only, never the decision
    Explore Compliance Screening

    One legal entity, many uses

    What you can use Koivu (legal entity) client data for

    Because Koivu is a real business client, its data behaves like production without exposing sensitive customer information.

    Troubleshooting

    Debug production issues with real transactions and end‑to‑end payment flows.

    Documentation

    Create guides and runbooks with realistic, regulation‑safe screenshots.

    Testing

    Feed test environments with compliant data that mirrors real customer behaviour.

    Training & Demo

    Train staff and run demos without privacy concerns or anonymisation overhead.

    Test & Production

    Environments

    Koivu products and environments are the right solution for test and production.

    The Automated Sandbox Pulse

    Test · functional (continuous verification)

    High-frequency validation in your staging environments. We act as your "Pre-Production Surrogate": automated penny tests ensure that payment logic and API hooks are stable before they ever touch the live ledger.

    The Frictionless Dev-Lab

    Test · data (non sensitive client data)

    100% realistic account structures for global teams. Full access to Koivu account data for developers and offshore teams – bypassing banking secrecy with a legally compliant safe harbor.

    The Live-Circuit Heartbeat

    24/7

    Production · functional (continuous verification)

    Real-money payment verification directly on your live systems. Penny tests validate the entire external chain from SIX and TWINT to correspondent banks. Alerting in under 10 minutes.

    The Production Reality Bridge

    Production · data (non sensitive client data)

    Real production data for debugging and feature rollouts. Use Koivu as a real test client: a formal waiver of banking secrecy gives your teams access to real 2FA flows.

    Koivu is your transaction heartbeat

    Discover silent failures when they occur.

    Payment validation

    Real money "penny tests"

    Actual payment transactions using real bank accounts and funds. No simulations, every test validates your entire payment infrastructure.

    End to end

    Full cycle validation

    Complete transaction monitoring from initiation through clearing to settlement. Verify every step of your payment processing chain.

    Security

    2FA validation

    Two-factor authentication verification ensures secure access and transaction approval. Meet strict security requirements automatically.

    Swiss standards

    SIC / SEPA / SWIFT clearing

    Comprehensive coverage of all Swiss payment rails including SIC instant payments, SEPA transfers, and SWIFT international transactions.

    Regulatory

    FINMA compliance proof

    Documentation and evidence for FINMA operational resilience requirements. Audit-ready monitoring that satisfies regulatory expectations.

    Documentation

    Audit trail

    Complete historical record of all transactions and monitoring activities. Timestamped logs and reports for compliance and analysis.

    Bank connections

    Already connected

    Koivu maintains bank accounts at major Swiss banks for end to end payment monitoring and detection of problems.

    PostFinance
    Zürcher Kantonalbank
    Raiffeisen

    More partners

    +

    On request

    Insights and blog

    Latest from Koivu

    Deep dives into monitoring approaches, operational best practices, and the technology behind real world payment validation.

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