# Payment acceptance-criteria template

> SYNTHETIC / TRAINING ONLY. Apply the governing scheme, market-infrastructure, bank, and product rules before implementation.

Reviewed: 2026-07-19

## Processing outcome
Given [valid instruction and applicable profile], when [validation, screening, limits, booking, routing and release complete], then [one economic instruction] is created with [stable identifiers] and [auditable status].

## Negative outcome
Given [failed rule], when the instruction is evaluated, then it is [rejected, held or repaired] before [irreversible boundary], with [reason, owner and evidence] recorded.

## Exception correlation
Given an original payment, when [status, cancellation, return, reversal or investigation message] arrives, then correlation uses [specified identifiers] and preserves the original lifecycle outcome.

## Reconciliation
Given [message, posting and settlement feeds], when end-of-cycle reconciliation runs, then breaks are classified, aged, owned and resolved without duplicate accounting.

## Non-functional
Given [peak load or component failure], when [defined condition] occurs, then latency, recovery, idempotency, security, privacy and observability meet [measurable threshold].