Regression test plan for a payments release: the template we use

# Regression test plan: [product] [version]
Plan ID: RTP-[version]   Status: draft | approved | closed
Conformance: tailored, ISO/IEC/IEEE 29119-3:2021 clause 7.2 subset
Release owner: [engineering lead]   Plan owner: [QA lead]

## 1. Scope (7.2.2 context, 7.2.6 risk register)
| Flow ID | Money-moving flow | Tier |
|---|---|---|
| F-01 | Authorisation, capture, refund | 1 |
| F-02 | Payout and bank transfer file | 1 |
| F-03 | Fee, interest, FX calculation | 1 |
| F-04 | Settlement and statement ingestion | 1 |
| F-05 | Limits, KYC and account status gates | 2 |
| F-06 | Statements and accounting exports | 2 |
| F-07 | Profile and content | 3 |

| Change ticket | Flows touched | Suites selected |
|---|---|---|
| [ticket] | [F-xx] | [suite IDs] |

Selection rules:
- Ledger, posting rules or shared libraries changed: all tier 1, plus reconciliation replay for ledger changes.
- Fee, interest, FX or rounding changed: calculation reference set plus tier 1 of that flow.
- Partner API or SDK changed: contract tests plus tier 1 of flows using that partner.
- UI only: tier 3, plus tier 1 journeys where the screen sets an amount.
- Out of scope: [flows], reason: [no code path change].

## 2. Suites by risk tier (7.2.7 test strategy)
| Tier | Suites | Pass rule |
|---|---|---|
| 1 | Ledger invariants, calculations, payment states, simulator failure paths, idempotent retry | All pass; no automatic retry of a failed money assertion |
| 2 | Gating, statements, exports | Pass, or waiver by product owner |
| 3 | UI journeys | Open defects listed |

## 3. Entry criteria
- [ ] Build [ID] and commit [hash] frozen; every ticket mapped to flow IDs
- [ ] Environment matches manifest [file], simulator versions included
- [ ] Synthetic data seeded for run [run ID]; balances captured; clock and FX table [version] set

## 4. Environment and synthetic data (7.2.7)
- Isolated ledger database per run; processor and bank simulators [versions]
- Synthetic accounts; processor test card numbers only; no production cardholder or account data
- Edges: one minor unit, zero- and three-decimal currencies, cut-off, month end, leap day

## 5. Exit criteria
- [ ] Tier 1 passed on the frozen build; tier 2 passed or waived with owner
- [ ] Every open defect has a financial impact field filled
- [ ] Section 6 queries returned zero rows; evidence stored with build and run ID

## 6. Reconciliation check
Run reconcile.sql with run_id = [run ID]. Any returned row is a tier 1 failure.

## 7. Sign-off (7.2.4 stakeholders)
| Role | Signs for | Name, date |
|---|---|---|
| QA lead | Exit criteria met | |
| Engineering lead | Release decision, residual defects | |
| Finance operations | Reconciliation output | |
| Product owner | Tier 2 and 3 waivers | |
| Compliance | Changes to mapped regulatory requirements | |

## 8. Completion (feeds 7.4 test completion report)
Deviations: [list]   Residual risks: [list]

-- Schema the queries expect
CREATE TABLE ledger_entries (run_id text, txn_ref text, account_id text, currency char(3), amount_minor bigint, entry_type text);
CREATE TABLE balances_before (run_id text, account_id text, currency char(3), balance_minor bigint);
CREATE TABLE balances_after  (run_id text, account_id text, currency char(3), balance_minor bigint);
CREATE TABLE sim_settlement  (run_id text, txn_ref text, currency char(3), amount_minor bigint);

-- Q1: every transaction nets to zero per currency
SELECT txn_ref, currency, SUM(amount_minor) AS net_minor
FROM ledger_entries
WHERE run_id = :'run_id'
GROUP BY txn_ref, currency
HAVING SUM(amount_minor) <> 0;

-- Q2: each balance moved by exactly the sum of its entries
SELECT a.account_id, a.currency,
       a.balance_minor - b.balance_minor AS moved_minor,
       COALESCE(SUM(e.amount_minor), 0) AS posted_minor
FROM balances_after a
JOIN balances_before b
  ON b.run_id = a.run_id AND b.account_id = a.account_id AND b.currency = a.currency
LEFT JOIN ledger_entries e
  ON e.run_id = a.run_id AND e.account_id = a.account_id AND e.currency = a.currency
WHERE a.run_id = :'run_id'
GROUP BY a.account_id, a.currency, a.balance_minor, b.balance_minor
HAVING a.balance_minor - b.balance_minor <> COALESCE(SUM(e.amount_minor), 0);

-- Q3: simulator settlement matches what the receivable says is due, and the receivable clears
WITH s AS (
  SELECT txn_ref, currency, SUM(amount_minor) AS settled_minor
  FROM sim_settlement WHERE run_id = :'run_id' GROUP BY txn_ref, currency
), l AS (
  SELECT txn_ref, currency,
         SUM(amount_minor) FILTER (WHERE entry_type <> 'settlement') AS due_minor,
         SUM(amount_minor) AS net_minor
  FROM ledger_entries
  WHERE run_id = :'run_id' AND account_id = 'processor_receivable'
  GROUP BY txn_ref, currency
)
SELECT COALESCE(s.txn_ref, l.txn_ref) AS txn_ref,
       COALESCE(s.currency, l.currency) AS currency,
       s.settled_minor, l.due_minor, l.net_minor
FROM s FULL OUTER JOIN l ON l.txn_ref = s.txn_ref AND l.currency = s.currency
WHERE s.settled_minor IS DISTINCT FROM l.due_minor
   OR l.net_minor <> 0;