Not a testing tool. Not a QA upgrade.
Core Principles:
Governing insight:
Prutan eliminates unknown payment risk, before your customers find it.
Built from the ground up for ISO 8583, ISO 20022, and REST — not adapted from generic tools.
Every module, every alert, every report is built with payment system domain knowledge.
Not probabilistic. Not sampled. Every flow validated against defined conditions.
Regulated actions require human approval. Explainable outputs. Audit-ready by design.
The Market Problem
What RADAR analyses
ISO 8583 and ISO 20022 message semantics and field definitions — not just syntax.
Payment lifecycle states — uth, reversal, timeout, retry, dispute, fraud — end-to-end.
Scheme and network rules — Visa, Mastercard, RTP, BNPL — enforced natively.
Banking and fintech workflows — not generic software flows. Context-specific intelligence.
What it delivers
Context-aware scenario generation, scenarios built around your specific payment flow, not templates.
Meaningful validations, not just syntax checks. Field-level semantic validation against protocol definitions.
Explainable outputs, every recommendation traceable. Audit-ready from generation to report.
95%+ more edge cases surfaced vs human-authored coverage, risk you didn't know you had.
Automation Acceleration
How it works
Business outcomes
Faster assurance onboarding, new flows validated from day one, not after months of scripting.
Reduced manual scripting, WISO generates the full suite. Your team reviews, not writes.
Higher Risk Surface coverage from day one, Risk Surface Expansion: WISO surfaces failure scenarios beyond what human engineers know to test.
Release certainty for every payment flow, every scenario validated, every edge case covered, before the release gate.
Generate scenarios from ISO spec definitions, transaction flows, API contracts.
Positive, negative, and boundary scenarios, complete coverage automatically.
Auto-cover edge cases, 95%+ more than manual coverage
Modernisation Insight
Migration paths supported
Analyze ISO 8583 → ISO 20022 field mappings, semantic mismatches detected before cutover
Generate validation scenarios automatically from mapping definitions
Highlight high-risk fields and flows before production cutover
Detect BAU Change Risk post-migration, small, unnoticed changes that break payment flows.
Outcomes and coverage
Continuous assurance across modernisation phases , not a one-time validation at cutover.
Safer cutovers — validated, not assumed. Field-level confidence before production switch.
Tokenisation and Digital Currency flow support — natively understood by WISO.
Regression Intelligence
What RADAR analyses
BAU changes, gateway configs, microservice patches, fraud rule adjustments, scheme rule changes.
Payment message format changes, field additions, type changes, new response codes.
Scheme rule updates, automatic regression triggered by every scheme change.
What RADAR generates
Identifies impacted payment flows, not just impacted tests
Prioritises by Revenue-at-Risk, in dollars, not test count or QA metrics
Board-ready Audit Trail satisfying regulatory requirements, methodology-disclosed
Internal Payment Risk Alers to Slack, Jira, email, PDF — the viral sharing mechanism
Coverage Gap Report surfacing untested payment flows. Shareable with peer engineers in one click.
Audience:
Payments engineers
Revenue exposure estimate and management briefing. Translates technical risk into business impact.
Audience:
Team leads, Head of Payments
Internal Payment Risk Alert — auto-generated on Critical finding. Idempotency report and latency degradation curve.
Audience:
VP Engineering, CTO
Board-ready Executive Risk Report. Methodology-disclosed. Satisfies regulatory and compliance requirements.
Audience:
Board, Regulators, Auditors
Certification Intelligence
Library coverage
ISO 8583 — complete field definition library with scheme-specific variants
ISO 20022 — message structure, semantic validation, migration scenarios
Visa · Mastercard · RTP · BNPL — scheme-specific certification scenarios
Grows with every deployment — network effect no single-customer tool can replicate
WISO self-healing capabilities
Interprets scheme updates, identifies impacted flows, auto-updates certification packs
Detects non-breaking format changes and prevents false failures
Continuous certification readiness, not point-in-time certification runs
Detect BAU Change Risk post-migration, small, unnoticed changes that break payment flows.
faster scheme certification cycles
Prutan Validated
Flow-level certification against Prutan's full scenario library. The badge that certified payment flows carry.
"Are you Prutan Validated before launch?"
— becoming the procurement requirement for payment system go-lives
Continuous certification
readiness, not sprint-gated, not point-in-time.
Reduced dependency on external certification labs, Library + WISO covers the full scenario surface.
AI Security Trust
Security architecture - five controls
No public model training
Customer data is never used to train shared or public models. All learning is isolated per customer environment.
No public model training
Customer data is never used to train shared or public models. All learning is isolated per customer environment.
No public model training
Customer data is never used to train shared or public models. All learning is isolated per customer environment.
No public model training
Customer data is never used to train shared or public models. All learning is isolated per customer environment.
No public model training
Customer data is never used to train shared or public models. All learning is isolated per customer environment.
Regulatory alignment — three commitments
Alignment with Model Risk Management frameworks - AI governance built into the platform architecture.
Satisfies regulatory explainability requirements - every AI-assisted decision is auditable and traceable.
Board-Ready Audit Trail for AI-assisted decisions - timestamps, user actions, model versions captured automatically.
Privacy by Architecture:
Desktop: zero payment data stored on Prutan servers — all scripts remain on local machine. Sandbox: Digital Twin Simulation operates without production access. mTLS · OAuth · Data masking · Tokenisation.
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
Download