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Payment Reliability Assurance
for the Entire Payment Ecosystem.

Prutan is the Agentic Payments Assurance Platform, built for fintechs, banks, payment networks, processors, acquirers, and issuers. Modern payment systems are complex, regulated, and always-on. The risk is not in what you test. It is in what you don't know you're not testing.

ISO 8583
ISO 20022
REST
Multi-hop stateful flows
$1.4M avg. cost per payment incident
Scheme certification
Continuous BAU assurance

Governing insight:

Prutan eliminates unknown payment risk, before your customers find it.

Business

Banks & Digital Banks

End-to-End Automation
for the Payment Lifecycle

Payment failures don't mostly happen during big releases. They happen after the small, unnoticed change nobody thought to validate — and the first signal is a customer complaint.

Continuous assurance across core banking, Open Banking APIs, and digital channels — not periodic testing runs

BAU Change Risk validation after every microservice patch, gateway config change, or fraud rule update — before it reaches production.

40% faster release cycles with deterministic assurance before every release gate — Release Gating built into CI/CD.

Board-ready Audit Trail for regulatory and compliance reporting — methodology-disclosed, satisfies explainability requirements.

ISO 8583
ISO 20022
PCI DSS
GenAI

40%

faster release cycles

Business outcomes for banks

Reduced production payment failures, not just reduced defects. Revenue protection, not cost saving.

Release certainty, not QA efficiency. Every release validated before it ships.

Revenue protection, Revenue protection, every declined transaction is lost revenue. Prutan eliminates the risk that causes it.

CTO Companion, system-wide payment reliability score, real-time. Revenue-at-risk quantification per release.

Free

30-day trial · no credit card

Business outcomes for fintechs

Rapid risk discovery → team demand → enterprise assurance. The natural growth motion from Desktop to Enterprise.

Release certainty before every launch, not after the first incident. Deterministic assurance for every payment flow.

"Discover hidden payment risk in minutes." Find what you didn't know you weren't testing.

Windows · Mac · Linux. Zero data stored on Prutan servers. Your scripts remain on your machine.

FinTech

Release Certainty for Every
Payment Flow, From Day One.

Fintechs move fast. Payment failures move faster.

Discover hidden payment risk in under 5 minutes - Prutan Desktop, 30-day free trial, no credit card required.

Digital Twin Simulation - not after the first incident. Deterministic assurance for every payment flow.

"Discover hidden payment risk in minutes." Find what you didn't know you weren't testing.

Windows · Mac · Zero data stored on Prutan servers. Your scripts remain on your machine.

Prutan Desktop
Sandbox
Studio
WISO
RADAR

Payment Networks

Protocol-Native Validation for
Scheme Rule & BAU Change.

Every scheme update is a potential unvalidated BAU change. Prutan validates automatically.

Protocol-native message validation: ISO 8583, ISO 20022, proprietary switch formats — not generic HTTP testing.

Network rule enforcement, every field, every message type, every routing condition validated against scheme definitions.

Continuous assurance: scheme updates validated automatically via Library + WISO — no manual re-scripting

Throughput and degradation testing via StressLab, AI-generated dynamic payloads expose failure modes invisible in standard runs.

Library
WISO
StressLab
Studio
RADAR

60–70%

faster scheme recertification

Business outcomes for payment networks

95%+ more edge cases surfaced via WISO, risk surface expansion beyond what human engineers know to test.

Scheme recertification cycles cut 60–70%, from months to weeks. Continuous readiness, not point-in-time runs.

Prutan Validated: the certification standard for payment network partners. "Are you Prutan Validated before launch?"

Deterministic assurance, not sampled, not probabilistic. Every flow validated against defined conditions.

$1.4M

avg. cost per payment incident

Business outcomes for processors

Faster customer onboarding — deterministic assurance before go-live. No post-cutover surprises.

Revenue protection through continuous assurance — every BAU change validated before it reaches the switch.

Reduced post-cutover incidents — cutovers are validated, not assumed. Rollback confidence from every deployment.

Reliable processing at scale — validated, not assumed. AI-generated payloads expose failure modes invisible in standard test runs.

Processors & Switch Vendors

Validate Every Payment Flow.
Accelerate Every Implementation.

Deterministic assurance before every go-live, not after your customers find the failure.

Studio: protocol-native message builder — ISO 8583 / ISO 20022 / REST with full payment field awareness. ATM, POS, mobile, gateway, switch.

Interceptor: intercept live payment messages mid-flight, modify fields, observe downstream reactions — no production code changes required.

StressLab: load and degradation testing with AI-generated dynamic payloads — multi-region ready (SG, UAE, India, France).

Sandbox (Digital Twin Simulation): configure approve, decline, timeout, network error — without touching production. Zero production dependency

Studio
Interceptor
StressLab
Sandbox
Trace

Acquirers & Issuers

Continuous Assurance Across
Every Merchant, Every Flow.

Multi-merchant scale creates multi-merchant failure scenarios. Prutan validates all of them.

Multi-merchant payment flow validation, not just load simulation. Every merchant's flows validated independently.

Scheme recertification automation, Library covers Visa, Mastercard, RTP, BNPL, ISO scenarios. Continuous readiness.

Authorization, reversal, fraud simulation, and exception handling, all validated before production exposure.

Trace:full end-to-end payment flow observability, surfaces where a flow breaks, at which message, at which field.

Trace
Library
StressLab
Sandbox
RADAR

60–70%

faster scheme recertification

Business outcomes for payment networks

Certification cycles cut 60–70% from months to weeks. Reduced dependency on external certification labs.

$1.4M average cost per payment incident — Prutan prevents it. Revenue protection, not cost reduction.

Continuous BAU assurance not point-in-time certification runs. Every scheme rule change validated automatically.

Silent failure detection Trace surfaces failures before the customer calls. Field-level failure attribution.

Free

30-day trial · no credit card

Business outcomes for processors

Reduced migration risk, unknown payment risk quantified before cutover, not discovered in production.

Safer cutovers — validated, not assumed, field-level confidence before the production switch.

BAU Change Risk coverage post-migration, every small change after go-live validated continuously.

Tokenisation and Digital Currency flows supported natively, WISO understands modern payment constructs.

Migration & Modernisation

Safer Migrations. Deterministic
Cutovers. No Silent Failures.

ISO 8583 → ISO 20022. Monolith → microservices. Switch modernisation. Every migration is a payment risk event.

WISO: AI-generated scenario coverage — semantic mismatch detection, field-level validation, high-risk flow identification before cutover.

Sandbox: parallel system validation — digital twin of the legacy and new environment simultaneously. No production risk.

Trace: end-to-end observability across both environments — surfaces exactly where post-migration behaviour diverges.

Continuous assurance through the migration lifecycle, not a one-time validation. BAU Change Risk covered post-migration.

WISO
Sandbox
TraceStudio
RADAR

The Market Problem

The Market Problem —
Unknown Payment Risk

Payments are mission-critical. Failures cause financial loss, regulatory action, and irreversible reputational damage.

The risk is not in what organisations test. It is in what they don't know they're not testing. Unknown risk is the founding insight.

$1.4M average cost per payment incident. BAU changes — not big releases — are the primary cause.

Generic tools test what your team thought to test. Prutan finds what you didn't know you weren't testing.

The Category

Payment Reliability Assurance (PRA)

Prutan sits at the intersection of fintech velocity, banking compliance, and payments complexity — defining a new infrastructure category.

Defensibility

Why no competitor can replicate this

Protocol-native intelligence, structurally incapable competitors. ISO 8583 built-in, not bolted-on.

Release gating inside CI/CD, Prutan IS the release gate, not alongside it.

Payment Reliability Index, the benchmark that makes Prutan the industry measurement standard.

From Test To Trust.

Expand from individual engineers to payment teams to board-level infrastructure.
Own your payment reliability — before your customers find the risk.

Prutan • Payment Reliability Assurance • Intellocore.com
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