Routine changes break flows. The green pipeline says nothing.
QA tools miss 95%+ of edge cases, multi-hop flows and protocol quirks.
$1.4M+ per incident. 40% of failed customers never retry.
Simulation deserts and certs rebuilt from scratch every cycle.
3–4 disconnected tools. Rare specialists. In-house technical debt.
No Reliability Score. No Revenue-at-Risk. Indefensible reporting.
CI/CD passes scripted logic; unscripted BAU interactions slip through every sprint.
Partial auths, concurrent duplicates and schema rejections are structurally absent from test suites.
Hand-crafted data can't exercise real failure modes; masked production data risks PCI exposure.
A routing-rule change silently truncated ISO 8583 field DE48 for ATM transactions. Undetected for 11 days until a call-centre spike. Seven-figure remediation, network damage. Root cause: an unvalidated interaction between a BAU change and a live protocol field.
Always-on BAU validation surfaces which changes touch which flows — and 95%+ more edge cases — before production.
40% of failed customers never retry. Silent, preventable, invisible in dashboards.
Issuer, acquirer and processor sandboxes are unavailable or unrealistic — pre-go-live confidence is impossible.
Visa, Mastercard, RTP and SWIFT cycles rebuilt from zero every time; one failure sets launch back weeks.
A fraud-scoring update went unvalidated for retry behaviour under concurrency. Peak Saturday traffic triggered a retry storm: 4,300 duplicate authorisations. Three-week settlement disruption and a regulatory enquiry followed.
Retry storms exposed before peak day; RCA compressed to minutes; certification 60–70% faster.
Five systems that don't talk to each other. Nobody sees the aggregate TCO.
ISO, EMV and DUKPT knowledge concentrated in a handful of engineers — a retention risk.
An audit is a snapshot; next week's BAU change makes it obsolete. Regulators expect continuous evidence.
A mid-tier bank ran five separate tools; two engineers held all ISO and EMV knowledge. When one resigned, every certification stalled — a six-month backlog. Root cause: institutional knowledge concentrated in one person.
One platform replaces 3–4 tools; WISO opens specialist knowledge to every engineer; the board gets a live risk view.
Continuous assurance across every channel. Up to 40% faster releases.
Hidden risk surfaced in under 5 minutes. Desktop — no credit card.
Protocol-native validation for scheme rules and every BAU change.
Deterministic assurance before every go-live.
Certification cycles cut 60–70% across every merchant.
Safe ISO 8583 → 20022 cutovers with continuous assurance.
Field-level ISO 8583 & 20022 across every channel — not a REST wrapper.
Trained on proprietary failure and scheme-certification patterns.
The whole assurance lifecycle — including hard-to-copy real-time interception.
ISO/IEC 42001 & 27001 certified. Trusted by NPCI. Earned, not claimed.
Deploys as CI/CD infrastructure — high switching costs.
Defines Payment Reliability Assurance; the planned index sets the benchmark.
| Capability | PruTan | Generic API | Legacy Sim | Monitoring |
|---|---|---|---|---|
| ISO 8583 & 20022 — field-level | ✓ | — | ✓ | — |
| NPCI / UPI / RuPay | ✓ | — | — | — |
| Digital twin — issuer/acquirer | ✓ | — | ~ | — |
| Idempotency & retry-storm sim | ✓ | — | — | — |
| Payment-native AI scenarios | ✓ | — | — | — |
| Real-time interception | ✓ | — | — | — |
| BAU change risk (continuous) | ✓ | — | — | — |
| Revenue-at-Risk & GO/HOLD | ✓ | — | — | — |
No integration. No credit card. Risk visible before any commercial conversation.
Revenue-at-Risk per unvalidated flow. 60%+ convert to the platform.
GO/HOLD decision backed by validated evidence before every release.
Continuous governance, not snapshots. The board sees risk before customers do.
Dedicated PM · onboarding · architecture workshops · SLA-backed support · quarterly reviews · ISO 42001 & 27001 certified.