Assign payment-change risks to the cheapest test layer that can honestly prove them.
Payment change A new platform fee applies 2.9 percent plus $0.30, capped at $25. It affects invoices, provider payloads, and checkout display. One test cannot give clean feedback on all three risks. Pyramid split Rule -> Boundary -> Journey Put local rules low, adapter contracts in the middle, and only the highest-value user journey at the top. One giant test High confidence feeling, low diagnostic value Each failure points to a layer. Use the cheapest layer that can honestly prove the risk. 01 Math 02 Provider 03 Journey 04 Fresh risk
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