2025-08-04 00:00:00 mSIGNIA’s Payment Simulator (or PaySim) is a complete, end-to-end payment simulation platform for testing compliance and interoperability including enabling 3rd-party product demonstration for various payment initiatives such as EMV 3D-Secure versions 2.1 and 2.2, SCA, FIDO, and W3C related Web Authentication and Payment Request APIs.