10 free browser-based tools covering the full payment infrastructure lifecycle — from A2A fee optimisation and ISO 20022 message building to VDCAP payload auditing, reconciliation workbenches, synthetic test data generation, failure root-cause analysis, structured address truncation auditing, and multi-rail optimisation command centres. All client-side. Zero PII.
Follow the 7-stage infrastructure journey below or jump directly to any tool. All tools run entirely in your browser — no account required, no data transmission.
Compare A2A fees across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant. Generate an executive ROI report with projected annual savings, benchmarked against peer transaction volumes.
Construct and validate pacs.008, pain.001, and camt.056 messages against CBPR+ SR2025 structural rules. Check field completeness, structured address compliance, and mandatory element presence.
Score migration readiness across SWIFT CBPR+, Fedwire, and SEPA timelines. Generate a phased roadmap with coexistence-period constraints, gap analysis, and a board-ready migration brief.
Produce realistic A2A test transaction sets with configurable volume, rail mix, failure injection, and edge-case coverage. Batch export for CI/CD pipelines and certification testing environments.
Reconcile batch A2A payment files against ISO 20022 settlement records. Detect mismatched amounts, timing discrepancies, and settlement fails. Export reconciliation exception reports.
Input return codes, rejection reasons, and log entries to generate a structured root-cause analysis report. Covers FedNow, RTP, ACH, SEPA, and SWIFT return codes with remediation guidance.
Run a multi-rail optimisation across A2A, card, and alternative rails. Combines VDCAP payload compliance auditing with full rail command-centre routing logic to minimise cost and maximise finality.
Construct pacs.008, pain.001, and camt.056 messages with guided field-by-field input. Validates against CBPR+ SR2025 structural rules, checks mandatory elements, and exports a formatted pilot brief with schema annotations. Client-side. Zero PII.
Open ToolAudit ISO 20022 messages for structured address truncation risks under CBPR+ SR2025 and Fedwire migration requirements. Detects unstructured address fields, character-limit breaches, and postal code format errors. Batch mode supports up to 50 messages. Client-side. Zero PII.
Open ToolScore your ISO 20022 migration readiness across SWIFT CBPR+, Fedwire, and SEPA timelines. Generates a phased migration roadmap with coexistence-period constraints, per-message-type gap analysis, and a board-ready project brief. Client-side. Zero PII.
Open ToolCompare A2A payment costs across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant. Input your transaction volume and cost structure to generate a print-ready executive ROI report with projected annual savings and rail-switching breakeven analysis. Client-side. Zero PII.
Open ToolModel your A2A fee structure against industry benchmarks by transaction volume tier, rail, and counterparty type. Produces a formatted benchmarking report with percentile ranking, cost-per-transaction analysis, and optimisation recommendations. Client-side. Zero PII.
Open ToolMulti-rail routing optimisation across FedNow, RTP, ACH, SEPA Instant, and SWIFT. Models cost, finality, cut-off risk, and counterparty reachability in a single decision matrix. Generates a routing policy mandate and fallback rail configuration. Client-side. Zero PII.
Open ToolReconcile batch A2A payment files against ISO 20022 settlement records. Detects mismatched amounts, timing discrepancies, and settlement fails across ACH and real-time rails. Outputs exception reports and a reconciliation summary for back-office teams. Client-side. Zero PII.
Open ToolGenerate realistic synthetic A2A transaction datasets with configurable volume, rail mix, error injection rates, and edge-case scenarios. Exports ISO 20022-compliant XML or CSV batches for use in CI/CD pipelines, UAT environments, and certification testing. Client-side. Zero PII.
Open ToolInput FedNow, RTP, ACH, SEPA, or SWIFT return codes and rejection logs to generate a structured root-cause analysis report. Covers 200+ return codes with remediation guidance, escalation paths, and a client-ready incident summary. Client-side. Zero PII.
Open ToolAudit VDCAP payload compliance against Visa Digital Commerce Application Programme April 2026 authentication requirements. Validates all six mandatory fields, detects non-compliant configurations, and models interchange optimisation under Visa's updated framework. Client-side. Zero PII.
Open ToolLast reviewed: May 2026 · 10 tools · Cat-1 · Core Payment Infrastructure
Use T02 to build and validate ISO 20022 messages before integration testing, and T15 to generate synthetic transaction sets for your CI/CD pipeline without touching production data.
Use T09 to reconcile end-of-day A2A batch files against settlement records, identify exceptions before cut-off, and produce back-office reports without exporting real counterparty data.
Use T01 and T82 to model multi-rail routing economics, compare FedNow vs RTP vs ACH at your exact volume tier, and generate board-ready rail migration business cases.
Use T81 to score your ISO 20022 migration readiness, map coexistence-period gaps across CBPR+ and Fedwire timelines, and produce a phased programme brief for the board.
Use T20 to decode FedNow, RTP, ACH, SEPA, and SWIFT return codes, generate structured RCA reports for escalations, and produce client-facing incident summaries in minutes.
Use T51 to audit VDCAP payload compliance ahead of Visa's April 2026 enforcement date, identify failing authentication fields, and model the interchange impact of remediation actions.
Use T77 to audit ISO 20022 structured address truncation risks across message batches, and T15 to generate compliant synthetic datasets for certification submissions without using real customer data.
Use T12 to benchmark your A2A fee structure against market peers by volume tier and rail, identify pricing gaps, and produce a competitive positioning report for commercial conversations.
Open Tool 01 A2A Fee Calculator + Route Optimizer. Enter your monthly transaction volume and average ticket size. Select the rails your institution currently uses. The tool compares all-in per-transaction costs across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant, and calculates your projected annual savings from rail switching. Export the executive ROI report for your CFO or Treasury review.
Open Tool 02 ISO 20022 Message Builder. Select your message type (pacs.008, pain.001, or camt.056) and complete the guided field input. The builder validates against CBPR+ SR2025 structural rules in real time — mandatory fields are flagged immediately. Use Tool 77 to audit structured address compliance before submission to your payment processor.
Open Tool 81 ISO 20022 Migration Navigator. Select your institution type, the rails in scope (CBPR+, Fedwire, SEPA), and your current message format baseline. The tool scores readiness across six migration dimensions, maps coexistence-period constraints, and generates a phased implementation roadmap with milestone dates. Export the board brief as a Policy Mandate document.
Open Tool 20 A2A Payment Failure Analyser. Enter the return code(s), rejection reason text, and rail (FedNow, RTP, ACH, SEPA, or SWIFT). The tool decodes the code against its embedded 200+ return code database, identifies the most probable root cause, and generates a structured RCA report with specific remediation steps and an escalation path — ready to share with your counterparty or operations team.
All 10 tools expose structured outputs compatible with the AINumbers MCP manifest. Use the tool IDs below with any MCP-capable agent.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| Tool 01 | calculate_a2a_fee_route | volume_monthly, avg_ticket, current_rails[], target_rails[] | cost_comparison{}, savings_projection, roi_report{}, routing_mandate_json |
| Tool 02 | build_iso20022_message | message_type, sender{}, receiver{}, amount, currency, remittance_info{} | message_xml, validation_result{}, field_errors[], cbpr_compliance_score, pilot_brief{} |
| Tool 09 | reconcile_a2a_batch | payment_file, settlement_records[], rail, date_range{} | matched[], unmatched[], exceptions[], reconciliation_summary{} |
| Tool 12 | benchmark_a2a_fees | institution_type, volume_tier, rails[], fee_structure{} | benchmark_comparison{}, percentile_rank, cost_per_tx{}, optimisation_recs[] |
| Tool 15 | generate_synthetic_a2a_data | volume, rail_mix{}, error_injection_rate, edge_cases[], output_format | transaction_batch[], iso20022_xml, csv_export, test_summary{} |
| Tool 20 | analyse_payment_failure | return_codes[], rejection_text, rail, counterparty_type | root_cause_analysis{}, remediation_steps[], escalation_path{}, incident_summary{} |
| Tool 51 | audit_vdcap_payload | payload{}, scheme_version, merchant_category | compliance_score, field_failures[], remediation_actions[], interchange_impact{} |
| Tool 77 | audit_iso20022_truncation | messages[], scheme, structured_address_required | truncation_risks[], field_breaches[], address_format_errors[], batch_summary{} |
| Tool 81 | navigate_iso20022_migration | institution_type, rails_in_scope[], current_format, coexistence_period | readiness_score, gap_analysis{}, migration_roadmap{}, milestone_dates{}, board_brief{} |
| Tool 82 | optimise_rail_routing | payment_type, counterparty_reach{}, cost_weights{}, finality_requirements{} | routing_decision{}, fallback_config{}, cost_finality_matrix{}, routing_policy_mandate_json |