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Real-Time Payments Rail Development Using Bhuma GP2

(Accelerating Industry-Grade RTP Development for a Prestigious Client)


Client Overview

VocaLink, a global leader in payment infrastructure and real-time clearing systems, was engaged to design and develop a real-time payments rail for a prestigious client.

Given the critical nature of real-time payments—where speed, availability, and correctness are non-negotiable—VocaLink required a robust, standards-aligned testing capability to validate clearing, settlement, and operational behaviour throughout the development lifecycle.

Bhuma was selected to support this initiative using its GP2 innovation and testing platform, leveraging deep expertise in real-time payments, scheme rules, and ISO 20022 messaging.


The Challenge

VocaLink needed to:

  • Develop a production-grade real-time payments rail
  • Validate clearing and settlement behaviour under real-world conditions
  • Ensure alignment with ISO 20022 message specifications and scheme-style operational rules
  • Maintain full traceability from requirements to test execution
  • Enable rapid feedback between architecture, development, and testing teams
  • Avoid slow, manual testing cycles that could delay delivery

Given the prestige of the end client, quality, predictability, and transparency were as critical as speed.


Bhuma’s Approach

Bhuma deployed GP2, its payments innovation and testing platform, purpose-built for real-time payment schemes and ISO 20022-native testing.

Key elements of the approach included:

  • Business behaviour–driven test design, derived directly from functional and operational requirements
  • End-to-end traceability, linking requirements → test cases → execution results → defects
  • Automated testing using ISO 20022 messages over API
  • Coverage of both happy-path and exception scenarios, including settlement and operational edge cases

This approach ensured that testing was not isolated from development—but tightly integrated into the delivery lifecycle.


Key Contributions

  • Behaviour-Driven Test Coverage
  • Designed business behaviour–driven test cases with complete traceability to requirements, ensuring comprehensive functional and operational coverage.
  • High-Speed Automated Execution
  • Executed approximately 875 automated test cases in under 35 minutes, enabling rapid regression and iterative development.
  • Standards-Aligned Validation
  • Validated message flows and behaviours using ISO 20022-compliant messages, reflecting real scheme-level conditions.
  • Efficient Defect Triage
  • Clear linkage between requirements, test outcomes, and defects significantly streamlined defect triage, improving collaboration between testers, developers, and architects.
  • Multi-Level Reporting
  • Delivered tailored reports for:
  • Senior stakeholders to track readiness and delivery confidence
  • Engineering teams to diagnose and resolve issues quickly


Outcomes

  • Accelerated development of a real-time payments rail
  • Improved collaboration between business, development, and testing teams
  • Reduced defect resolution time through traceable, behaviour-driven testing
  • High confidence in clearing and settlement correctness
  • Predictable, repeatable testing cycles supporting ongoing enhancement


Why Bhuma GP2

This engagement demonstrates how Bhuma GP2 enables:

  • Real-time payments development at scheme-grade quality
  • Full requirements-to-execution traceability
  • Rapid, automated validation using ISO 20022-native messaging
  • Clear governance, reporting, and auditability for complex payment platforms

GP2 transforms testing from a bottleneck into a delivery accelerator—without compromising control or confidence.

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