Acceptance Criteria Checklist for Fintech Products
Fintech acceptance criteria must go beyond functional correctness to cover financial accuracy, regulatory compliance, and security. A fintech story is not done until the money is correct, the audit trail is complete, and the security controls are verified.
Use this template to ensure every fintech story has the compliance and security acceptance criteria that regulators and auditors expect.
Template sections
4 sections covering the complete acceptance criteria workflow.
Financial Accuracy Criteria
Every story touching money includes: Calculations match expected results for a set of test vectors (provided by the PM or domain expert), Rounding is consistent with the specified method (banker rounding for fiat), Currency conversion uses the correct exchange rate source and timestamp, and Reconciliation checks pass (credits = debits for every transaction).
Compliance Criteria
Regulatory acceptance criteria: Audit log entries are complete (actor, action, timestamp, affected resource), PCI-DSS relevant data fields are encrypted using AES-256, KYC/AML checks are triggered where required, and Transaction limits are enforced per regulatory requirements.
Security Criteria
Security acceptance criteria: Input validation prevents SQL injection and XSS, Authentication is verified for all API endpoints, Rate limiting is applied to prevent abuse, Sensitive data (SSN, account numbers) is masked in logs and UI displays, and API responses do not leak internal system details in error messages.
Edge Case Criteria
Fintech edge cases to always test: What happens with $0.00 transactions? What happens with negative amounts? What happens if the external payment provider is down? What happens with duplicate transactions? What happens at midnight UTC during daily settlement?
Copy-paste template
## Fintech Acceptance Criteria ### Financial Accuracy - [ ] Calculations match test vectors - [ ] Rounding follows [banker/truncation] method - [ ] Currency handling uses ISO 4217 - [ ] Reconciliation: credits = debits ### Compliance - [ ] Audit log: actor, action, timestamp, resource - [ ] PCI-DSS data encrypted (AES-256) - [ ] Transaction limits enforced ### Security - [ ] Input validation (OWASP Top 10) - [ ] Auth verified on all endpoints - [ ] Sensitive data masked in logs ### Edge Cases - [ ] $0.00 transactions handled - [ ] Negative amounts handled - [ ] Provider downtime handled gracefully
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