The mismatch is a phenomenon intrinsically related to photovoltaic (PV) arrays, either because they are eventually subject to non-uniform irradiance and temperature conditions, or because of inner variations on the components, ageing or occurrence of failures. Despite mismatch losses being so present in the life of a PV system, the available tools for the study of PV arrays response through simulation today present limitations for the handling of mismatch conditions. Most of them do not support non-uniform conditions, and the ones that do, solely explore irradiance and temperature variations, ignoring other causes for mismatches, such as defects on PV cells. This paper proposes a simulation framework that allows manipulation of each parameter in each cell individually to reproduce mismatch conditions, including failures. Each PV cell is represented by the one diode equivalent circuit model, for which two different parameterisation methods were tested: California Energy Commission (CEC) and PVSyst. The proposed simulation framework was validated with laboratory measurements of a PV module under 15 different mismatch conditions of partial shading and failure (short circuit). The results showed a consistent similarity between calculated and measured I-V curves, and errors at the curves' maximum power points stayed within the instruments' accuracy range, roughly 1.0 V and 0.2 A. The proposed simulation framework brings great flexibility to the studies of mismatch through simulation, allowing the calculation of the I-V curve of PV strings and small arrays subjected to mismatch conditions due to non-uniform irradiance and temperature profiles, but most significantly failures in the cells.