How It Works – Outside-In Payment Verification | Koivu

    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

    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 availability record
    • •Real time alerts

    TWINT and cards

    24/7/365

    • •TWINT validation
    • •Gateway monitoring

    E banking and mobile

    24/7/365

    • •eBanking login journeys
    • •Mobile app payments
    • •2FA 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?

    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.