Predictika · Card issuing subscriptions

An AI sales agent's card issuing quote, checked before it goes out

An AI sales agent prepares a subscription quote for the Tietoevry Card Suite card issuing platform, with an edition, SaaS or customer-hosted deployment, active cards, card programs, hierarchy levels, a term, options such as Commercial Cards, Card Tokenization, Card Suite Switching, a Payment Hub and the AML/KYC Suite, and a discount. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the editions and quote rules and returns a verdict, every reason and the annual figures it computed.

Scope: Tietoevry Card Suite subscription quotes: the Essentials, Professional and Enterprise editions, SaaS or customer-hosted deployment, edition limits, options, term, discount and the annual net. See everything this validator covers

This validator models Tietoevry Card Suite subscription quotes, not just the scenarios shown below.

  • Editions and limits — the maximum active cards, card programs and customer hierarchy levels each edition allows, and SaaS only on Essentials.
  • Options and dependencies — Commercial Cards, Card Tokenization and Card Suite Switching by edition, and the AML/KYC Suite, which needs a Payment Hub on the quote or one the customer already runs.
  • Term, discount and total — the minimum SaaS term, the discount and the approval it needs, and the annual net the quote states, which must match the net computed from the quoted items.

Any Card Suite subscription quote that touches these rules is in scope — not only the scenarios pictured here. Not covered: Tietoevry services work, other product lines and support terms. The product names (Tietoevry Card Suite, Commercial Cards, Card Tokenization, Card Suite Switching, Payment Hub and the Banking AML/KYC Suite) are public; the editions, limits, option availability, term and discount thresholds and every price are modeled from comparable products and are not published by Tietoevry, so all figures are illustrative.

The AI sales agentBuilds the card issuing subscription quote from the conversation and says it is ready.
Predictika validatorChecks every rule at once and returns the verdict, each finding, and the computed figures.

6 scenarios in 3 groups · each group runs from the agent’s first attempt to the outcome · click one to switch

What the agent proposes

The AI sales agent says

Illustrative agent statement. The validator receives the structured request below.

Proposing agent: AI sales agent (scripted)

Before sending, the agent must call Recorded run

Predictika validator


      

        
        
        
      

      
Waiting for the call.

      
    

  

  
  

    
Where rules-based CPQ gets it wrong
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Our assessment of what a typical rules-based CPQ (product rules, price rules and validation rules, as in Salesforce CPQ) does with the same cases. It is a judgment about effort and reliability, not a claim that nothing can be built.

    
What the validator caughtTypical rules-based CPQPredictika
Limits that depend on the editionOnly with care
Active cards, card programs and hierarchy levels each have a different maximum on each edition, so every limit needs its own list by edition.		The edition and the counts are in one request and all three limits are checked together on every call.
Options that depend on the editionOnly with care
Commercial Cards, Tokenization and Switching are not offered on Essentials, and customer-hosted deployment is not either, so each option needs a rule that looks at the edition.		The edition, the options and the deployment are all in the request, so every dependency is checked on every call.
A suite that needs another productOnly with workarounds
The AML/KYC Suite needs a Payment Hub on the quote or one the customer already runs, and the second case needs a person to confirm it.		Both cases are decided from the request: a block when there is no hub, an approval when there is an existing one.
A minimum term that applies only to SaaSOnly with workarounds
The three-year minimum applies to SaaS but not to customer-hosted deployments, so the rule must look at the deployment and the term together.		The deployment and the term are both in the request, so the rule is evaluated on every call.
A discount that is a share of the list subtotal, with a block limit and an approval bandOnly with workarounds
The subtotal changes with the edition, volume and options, so both limits must be recalculated for every quote.		The discount is compared with the computed subtotal on every call and returns a block, an approval or nothing.
A stated annual net that must match the computed netOnly with workarounds
The net is built from the edition, volume, options and discount, so a separate rule must recompute it and compare it with the stated figure.		The stated net is a field of the request and is compared with the computed net on every call, together with every other finding.

  

  

    
What this validator catches: findings from its test cases
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Every rule is checked on every call, in any order the choices arrive; one problem never hides another. Blocking findings stop the quote; approval findings need a person to sign off; everything else is computed.

    
1The quote covers 251 thousand active cards; this edition allows at most 250 thousand.
2The quote has 21 card programs; this edition allows at most 20.
3The customer hierarchy needs 6 levels; this edition allows at most 5.
4The Essentials edition is SaaS only; customer-hosted deployment needs Professional or Enterprise.
5A SaaS subscription needs a term of at least 3 years; the quote has 2.
6Commercial Cards is not available on the Essentials edition.
7Card Tokenization is not available on the Essentials edition.
8Card Suite Switching is not available on the Essentials edition.
9The AML/KYC Suite screens payments flowing through Payment Hub, and the quote has no Payment Hub, new or existing.
10The AML/KYC Suite relies on a Payment Hub the customer already runs; a person should confirm the version is compatible.
11The discount of 93,600 EUR a year is more than 10 percent of the 624,000 EUR annual list subtotal; sales management approval is needed.
12The discount of 156,000 EUR a year is more than 20 percent of the 624,000 EUR annual list subtotal.
13The quote states 500,000 EUR a year net; the quoted items give 624,000 EUR.

  

  

    
Scenarios and results
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The recorded result of the validator for each scenario on this page: the request the AI agent sent, the verdict, and every finding, in the order they appear above.

    
1. Edition, options and Payment Hub: An Essentials SaaS quote with 400 thousand cards, six card programs, Commercial Cards, Switching, the AML/KYC Suite and a large discount

    
The agent's request. Please quote the Tietoevry Card Suite Essentials edition, SaaS, for 400 thousand active cards, 6 card programs and 3 customer hierarchy levels, on a term of 2 years, with Commercial Cards, Card Suite Switching and the AML/KYC Suite, with an annual discount of 80,000 euros, for an annual net of 210,000 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Active cards over the edition limit. The quote covers 400 thousand active cards; this edition allows at most 250 thousand.
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  • Card programs over the edition limit. The quote has 6 card programs; this edition allows at most 3.
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  • Customer hierarchy deeper than the edition allows. The customer hierarchy needs 3 levels; this edition allows at most 2.
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  • SaaS term too short. A SaaS subscription needs a term of at least 3 years; the quote has 2.
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  • Commercial Cards needs Professional or Enterprise. Commercial Cards is not available on the Essentials edition.
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  • Card Suite Switching needs Professional or Enterprise. Card Suite Switching is not available on the Essentials edition.
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  • AML/KYC Suite needs a Payment Hub. The AML/KYC Suite screens payments flowing through Payment Hub, and the quote has no Payment Hub, new or existing.
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  • Discount over 20 percent. The discount of 80,000 EUR a year is more than 20 percent of the 320,000 EUR annual list subtotal.
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  • Stated annual net does not match. The quote states 210,000 EUR a year net; the quoted items give 240,000 EUR.
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2. Edition, options and Payment Hub: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Tietoevry Card Suite Professional edition, SaaS, for 400 thousand active cards, 6 card programs and 3 customer hierarchy levels, on a term of 3 years, with Commercial Cards, Card Suite Switching, a new Payment Hub and the AML/KYC Suite, with an annual discount of 60,000 euros, for an annual net of 743,000 euros. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Price summary. Annual list subtotal 803,000 EUR, annual net 743,000 EUR, contract total 2,229,000 EUR over 3 years (illustrative prices).
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3. Volume, hierarchy and discount approval: A Professional quote with 3.5 million cards, 22 card programs, six hierarchy levels, the AML/KYC Suite on an existing Payment Hub and a 15 percent discount

    
The agent's request. Please quote the Tietoevry Card Suite Professional edition, SaaS, for 3,500 thousand active cards, 22 card programs and 6 customer hierarchy levels, on a term of 5 years, with Card Tokenization and the AML/KYC Suite on the customer's existing Payment Hub, with an annual discount of 177,750 euros, for an annual net of 982,250 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Active cards over the edition limit. The quote covers 3,500 thousand active cards; this edition allows at most 3,000 thousand.
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  • Card programs over the edition limit. The quote has 22 card programs; this edition allows at most 20.
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  • Customer hierarchy deeper than the edition allows. The customer hierarchy needs 6 levels; this edition allows at most 5.
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  • Stated annual net does not match. The quote states 982,250 EUR a year net; the quoted items give 1,007,250 EUR.
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  • Discount between 10 and 20 percent. The discount of 177,750 EUR a year is more than 10 percent of the 1,185,000 EUR annual list subtotal; sales management approval is needed.
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  • Existing Payment Hub to confirm. The AML/KYC Suite relies on a Payment Hub the customer already runs; a person should confirm the version is compatible.
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4. Volume, hierarchy and discount approval: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Tietoevry Card Suite Enterprise edition, SaaS, for 3,500 thousand active cards, 22 card programs and 6 customer hierarchy levels, on a term of 5 years, with Card Tokenization and the AML/KYC Suite on the customer's existing Payment Hub, with an annual discount of 209,250 euros, for an annual net of 1,185,750 euros. It is ready to send.

    
Verdict: Needs approval.

    
    
      
  • Discount between 10 and 20 percent. The discount of 209,250 EUR a year is more than 10 percent of the 1,395,000 EUR annual list subtotal; sales management approval is needed.
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  • Existing Payment Hub to confirm. The AML/KYC Suite relies on a Payment Hub the customer already runs; a person should confirm the version is compatible.
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  • Price summary. Annual list subtotal 1,395,000 EUR, annual net 1,185,750 EUR, contract total 5,928,750 EUR over 5 years (illustrative prices).
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5. Deployment and option availability: An Essentials customer-hosted quote with Card Tokenization and a stated annual net

    
The agent's request. Please quote the Tietoevry Card Suite Essentials edition, customer-hosted, for 200 thousand active cards, 3 card programs and 2 customer hierarchy levels, on a term of 2 years, with Card Tokenization, with an annual discount of 0 euros, for an annual net of 135,000 euros. It is ready to send.

    
Verdict: Blocked.

    
    
      
  • Customer-hosted not offered on Essentials. The Essentials edition is SaaS only; customer-hosted deployment needs Professional or Enterprise.
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  • Card Tokenization needs Professional or Enterprise. Card Tokenization is not available on the Essentials edition.
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  • Stated annual net does not match. The quote states 135,000 EUR a year net; the quoted items give 150,000 EUR.
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6. Deployment and option availability: The agent resubmits after fixing the errors

    
The agent's request. Please quote the Tietoevry Card Suite Professional edition, customer-hosted, for 200 thousand active cards, 3 card programs and 2 customer hierarchy levels, on a term of 2 years, with Card Tokenization, with an annual discount of 0 euros, for an annual net of 349,000 euros. It is ready to send.

    
Verdict: Allowed.

    
    
      
  • Price summary. Annual list subtotal 349,000 EUR, annual net 349,000 EUR, contract total 698,000 EUR over 2 years (illustrative prices).
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Narration transcript
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The text of the narrated walkthrough, step by step.

    
    
      
  1. Welcome to a demo of Predictika's Validator. An AI sales agent prepares a subscription quote for the Tietoevry Card Suite card issuing platform, with an edition, SaaS or customer-hosted deployment. Before it goes out, the agent sends it to Predictika, which checks it against a declarative model of the editions and quote rules and returns a verdict, every reason and the annual figures it computed.
    2. 
      
  2. I will start with the first request by the agent.
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  3. The agent says. Please quote the Tietoevry Card Suite Essentials edition, SaaS, for 400 thousand active cards, 6 card programs and 3 customer hierarchy levels. It is ready to send. The rest of the request is on screen.
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  4. Before it goes out, the agent calls the validator.
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  5. Blocked, with nine findings, all in one answer. The quote covers 400 thousand active cards; this edition allows at most 250 thousand. The quote has 6 card programs; this edition allows at most 3. The customer hierarchy needs 3 levels; this edition allows at most 2. The other six are on screen.
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  6. The validator returned nine blocking findings in one answer. A check that reads one field at a time would pass most of this; it shows only when the choices in the quote are checked against each other.
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  7. What this shows: for a stated annual net that must match the computed net, a rules-based CPQ can do this only with workarounds.
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  8. Now the agent resubmits.
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  9. The corrected request. It changes the edition to professional, the term to 3 years, the Payment Hub to new on the quote, the annual discount to 60,000 EUR and the annual net stated on the quote to 743,000 EUR.
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  10. It calls the validator again.
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  11. This time the validator clears it.
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  12. All nine earlier findings are cleared.
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  13. Nine problems caught in one call, fixed in one pass, and a clean quote. That is the value of Predictika's validator: catching mistakes before they reach the customer. Now you can try the other scenarios yourself.
    14.