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Agentic payment assurance platform

Your next payment failure
is already in the release.

You don't have a testing problem. You have unknown payment risk.

ISO 8583 & ISO 20022 Agentic AI · 10 vertical CI/CD release Trusted by NPCI

Every BAU tweak — a routing rule, a fraud threshold, a gateway config — passes green through CI/CD while silently altering payment behaviour nobody re-examined. Your first signal is a customer, a tweet, or a regulator. PruTAN closes that gap.hfhf

Discover Hidden Payment Risk Request a Talk
I'M AN ENGINEER / QA

Discover risk in 5 minutes

Run PruTAN Desktop on your own sandbox. Free, no time limit, no credit card.

Explore Desktop →
I'M AN ENTERPRISE BUYER

Quantify risk for the board

The Paid Diagnostic is the structured entry point — a 2-week Validated Risk Index.

Explore Enterprises →

Built and proven with: a top-5 North American processor · India's national payments network · ISO/IEC 42001:2023 · ISO/IEC 27001:2022

$1.4M +

average cost per payment incident1

40%

of customers who fail do not retry1

5–10%

industry failure rate — unquantified1

95% +

edge cases missed by generic QA tools

The six greatest pain points

Do you recognise your organisation here?

Every organisation we speak to carries at least three of these. Most carry all six. This is where unknown payment risk lives.

Unknown risk from silent BAU Changes

Payments rarely break at releases — they fail after small, routine changes. Every tweak creates unmeasurable risk while the green pipeline gives false confidence.

▸ Continuous BAU validation — not just at release.

Insufficient visibility into coverage gaps

Teams validate what they know — with no insight into what they are missing. QA tools miss 95%+ of edge cases, multi-hop flows and protocol quirks.

▸ WISO surfaces 95%+ more edge cases. PCI-safe data.

High cost & impact of payment failures

Even low failure rates drive leakage, false declines and churn. One major incident costs ~$1.4M+ on average — and 40% of failed customers never retry.

▸ Trace: minutes-to-RCA. Revenue-at-Risk for the board.

Migrations & certifications: too slow, too risky

Legacy-to-modern transitions create blind spots only visible post go-live. Simulation deserts and scheme certifications rebuilt from scratch every cycle.

▸ Sandbox digital twin. Certifications 60–70% faster.

Fragmented tools, high TCO & specialist dependency

Three to four disconnected tools, high context-switching, and institutional knowledge locked in a handful of scarce payments specialists.

▸ One platform replaces 3–4 tools. WISO ends specialist lock-in.

No deterministic assurance or governance

Management and the Board lack a credible, real-time view of payment reliability. No unified Reliability Score, no Revenue-at-Risk, reporting indefensible to regulators.

▸ CXO Companion: Reliability Score, Revenue-at-Risk, audit trail.

Why existing tools can't solve this

Three categories.
One shared blind spot.

Generic API tools, legacy simulators and monitoring all miss the same class of risk — structurally, not by accident.

Generic API tools

  • No ISO 8583 / 20022 field intelligence
  • No EMV or scheme behaviour model
  • Cannot model BAU change interactions
  • No multi-hop stateful flow awareness

Legacy simulators

  • Static, scripted, brittle — no agentic AI
  • No real-time message interception
  • No idempotency / retry-storm coverage
  • Cannot expose downstream truncation

Monitoring tools

  • Retrospective by design
  • First signal from customer or regulator
  • Can only report post-event
  • Never tells you what will break

Pre-release, not post-mortem. PruTAN catches the failure that exists only at the intersection of a BAU change and a payment-protocol edge case — before it reaches production.

The financial case

Price the risk you can't currently see.

What does unknown payment risk actually cost — and what does PruTAN return against it? Move the inputs to model your own exposure.

Your exposure model

Model uses the industry benchmark of $1.4M average cost per major payment incident.1 Illustrative only — PruTAN builds a tailored, production-correlated estimate at the Paid Diagnostic stage.

The cost of doing nothing

Annual incident exposure $2.8M
Revenue lost to false declines2 $1.5M
PruTAN Enterprise (annual) $240K
Net risk reduction (modelled) $4.1M
17×
modelled return on assurance investment

A single prevented $1.4M+ incident pays for the platform for the year. At $10K/month, that is less than a four-hour outage for any organisation processing $5M+ monthly.

Proof, not promises

Trusted where reliability is non-negotiable.

“
Your biggest risk is not the next release — it is the small, unnoticed BAU change that breaks payments before anyone catches it.
CTO, global payments processor from a PruTAN co-design engagement

Co-design engagement

PruTAN was shaped alongside one of North America's largest payment processors — validating the platform against real ISO 8583 and ISO 20022 flows, scheme certification cycles and the exact failure modes that surface only under production-grade conditions.

ISO 8583 + 20022 Scheme certification Production-grade twin

ISO/IEC 42001:2023 (AI Management System) and ISO/IEC 27001:2022 (Information Security) certified by accredited third-party bodies. Trusted by NPCI, the National Payments Corporation of India.

The assurance maturity journey

From risk discovery to board-level governance.

A progressive purchase journey. Each stage produces evidence that makes the next stage inevitable — for the solo engineer and the enterprise alike.

1 Discover

Engineers surface risk

An engineer runs PruTAN Desktop and finds hidden risk in under five minutes. Internal findings create the urgency that builds the enterprise case.

Free — prutan.com
2 Quantify

Paid Diagnostic

A 2-week, production-correlated Validated Risk Index. Board-ready report with disclosed methodology. 60%+ convert to the platform.

$10K–$30K · one-time
3 Gate

Enterprise platform

CI/CD release gating, multi-team RBAC, continuous BAU assurance and full scheme-certification acceleration. Deployed as infrastructure.

$10K–$30K / month
4 Govern

CXO Companion

Board-level Reliability Score, Revenue-at-Risk per release and a regulatory audit trail. PruTAN becomes unmovable governance infrastructure.

+$5K–$20K / month

Platform Services

End-to-End Automation
for the Payment Lifecycle

From authorisation to dispute, every transaction type, message format, and certification requirement in one unified platform.

Banks & Digital Bankss

Core • Open Banking • Digital

Every BAU change can break your payment system. Continuous assurance across every channel. 40% faster release cycles.

Fintechs

Release Certainty • Day One

Discover hidden payment risk in under 5 minutes. PruTAN Desktop — 500 credits, no expiry, no credit card, Windows • Mac • Linux.

Payment Networks

Scheme Rules • BAU Validation

Protocol-native validation for scheme rules, network readiness, and every BAU change. 60–70% faster scheme certification.

Processors & Switch Vendors

Go-live • ISO 8583 • Throughput

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

Acquirers & Issuers

Multi-Merchant • Certification

Continuous assurance across every merchant, every flow. Certification cycles cut 60–70%.

Migration & Modernisation

ISO 8583 → ISO 20022 • Microservices

Safer cutovers. Semantic mismatch detection. Continuous assurance through migration lifecycle.

One integrated platform

Ten payment-native agents.
The full assurance lifecycle.

Protocol-native. AI-powered. Deployed as infrastructure inside CI/CD — not an add-on. Every module starts with the pain it eliminates.

See all ten agents
The Growth Story

Discover risk. Govern risk. Become the standard.

From individual engineers to board-level infrastructure. Owning Payment Reliability Assurance the way PCI DSS owns compliance and Datadog owns observability.

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PruTAN Desktop — Individual Discovery

One engineer installs PruTAN Desktop, discovers hidden payment risk in minutes. Creates organisational demand. 500 credits, no expiry, no credit card.

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PruTAN Enterprise — Governance at Scale

Risk discovery escalates to team level. Enterprise deploys as CI/CD release gate infrastructure. Continuous BAU assurance across every change.

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CXO Companion — Board-Level Control Plane

System-wide payment reliability score, real-time. Revenue-at-risk quantification. Board-ready audit trail. The executive control plane.

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INDIVIDUAL • DESKTOP

Discover Risk

Hidden payment failures surfaced in minutes.

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TEAM • ENTERPRISE

Govern Risk

Continuous assurance in the release pipeline

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BOARD • CXO COMPANION

Become the Standard

The benchmark no competitor can replicate

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INDUSTRY • PAYMENT RELIABILITY INDEX

Control Risk

Real-time reliability score, revenue-at-risk

Don't wait for your customers and regulators to find your risk.

Quantify the risk you can't see — today. Engineers start free in five minutes; enterprises start with the Paid Diagnostic.

PruTAN • Payment Reliability Assurance • Intellocore.com

Download PruTAN Desktop (free) Start a Paid Diagnostic

From Uncertainty to Reliability. From Doubt to Trust.