Acceptance Criteria Template for Fintech Features
Fintech acceptance criteria must go beyond functional correctness to cover financial accuracy, regulatory compliance, and security requirements. A missed edge case in financial calculations can result in real monetary losses or regulatory penalties.
This template provides a checklist of fintech-specific criteria categories that should be evaluated for every feature touching financial data.
Template sections
5 sections covering the complete acceptance criteria workflow.
Financial Accuracy
Verify rounding behavior matches the applicable standard (IEEE 754, banker rounding). Test with boundary values: minimum transaction amount, maximum amount, zero, negative values, and multi-currency conversions. Confirm calculations produce identical results across repeated runs with the same inputs.
Compliance Validation
Test KYC/AML requirements: transactions above the reporting threshold trigger the correct filing. Verify PCI-DSS compliance for card data handling: no PAN stored in logs, tokenization working correctly, and encryption verified. Confirm SOX audit trail captures all financial state changes.
Fraud Detection
Verify velocity checks prevent rapid-fire transactions. Confirm geographic anomaly alerts trigger correctly. Test device fingerprinting for new devices. Validate that fraud scoring does not introduce unacceptable latency to the transaction flow.
Error Handling
Financial features must handle errors gracefully: network timeouts during payment should not result in double charges. Partial failures in multi-step transactions should roll back cleanly. Error messages must not expose financial data or account details.
Reconciliation
Verify that all financial transactions can be reconciled: ledger entries balance, transaction IDs are unique and traceable, and settlement reports match expected values. Include end-of-day reconciliation testing.
Copy-paste template
## Acceptance Criteria — Fintech Feature ### Financial Accuracy - [ ] Rounding: [Standard] verified with boundary values - [ ] Multi-currency: Conversion rates applied correctly - [ ] Idempotent: Same input produces same result - [ ] Precision: [X] decimal places maintained ### Compliance - [ ] KYC: Verified before transaction - [ ] AML: Threshold reporting triggered at $[X] - [ ] PCI-DSS: No PAN in logs, tokenization verified - [ ] Audit trail: All state changes captured ### Fraud Prevention - [ ] Velocity: Max [N] transactions per [period] - [ ] Anomaly: Geo/device alerts working - [ ] Latency: Fraud check < [X]ms ### Error Handling - [ ] No double charges on timeout - [ ] Partial failure rolls back cleanly - [ ] Error messages do not expose financial data ### Reconciliation - [ ] Ledger entries balance - [ ] Transaction IDs unique and traceable
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