# Payments BA delivery checklist

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

Reviewed: 2026-07-19

## Discovery
- Identify rail, currency, cutoff, settlement model, account model, actors, and governing profile.
- Separate customer initiation, clearing message, settlement movement, status, reporting, and exception evidence.

## Requirements and controls
- Define identifier ownership, uniqueness, correlation, idempotency, duplicate handling, and audit retention.
- Record sanctions, fraud, repair, approval, limits, FX, charges, SSI, and release controls with owners.

## Non-functional requirements
- Quantify throughput, latency, availability, recovery, peak windows, observability, privacy, and data-residency needs.

## Testing
- Cover positive, reject, return, recall, reversal, investigation, timeout, duplicate, reconciliation, and partial-failure paths.
- Reconcile business outcomes, messages, account postings, settlement evidence, and operational queues.

## Migration
- Inventory truncation, code translation, structured-address, identifier, character-set, and coexistence risks.
- Define parallel run, cutover, rollback, replay, archive access, and post-migration controls.

## Operational readiness
- Confirm procedures, entitlements, dashboards, alerts, SLAs, incident routes, training, support ownership, and evidence capture.