Eight deterministic, browser-based tools covering the full payment scheme compliance lifecycle — from NACHA ACH rule checking and PCI DSS v4.0 scope assessment through Visa/MC interchange qualification, card dispute reason code mapping, 3DS 2.x SCA compliance, RTP network eligibility, network rule change impact modelling, and scheme fee benchmarking. All client-side. Zero PII.
Follow the five-stage workflow below to navigate by use case, or scroll to any tool directly. All tools run in your browser — no account, no data transmission.
Check your ACH programme against NACHA Operating Rules §2–§9. March 2026 Fraud Monitoring amendments embedded. Return code reference table (R01–R85), compliance status per section, Markdown compliance memo, and Policy Mandate JSON. Covers ODFI origination obligations, RDFI handling requirements, and the new fraud monitoring thresholds effective March 2026.
Open ToolSimulate interchange category qualification for Visa CPS/Qualified/Standard and Mastercard Merit I/Merit III/Enhanced Best. Enter card type, MCC, transaction data, and authorisation method to receive the predicted interchange rate, qualification tier, downgrade risk, optimisation recommendations, and Policy Mandate JSON interchange policy output. Cross-links to Tool 52 (Interchange Fee Optimizer).
Open ToolStep-by-step PCI DSS v4.0 scope assessment covering all six SAQ types (A, A-EP, B, B-IP, C, D), CDE boundary definition, network segmentation analysis, customised approach eligibility, and targeted risk analysis (TRA) for applicable requirements. Outputs SAQ recommendation, CDE perimeter map, compliance gap list, Markdown compliance roadmap, and Policy Mandate JSON. The anchor Cat-19 tool for card programme compliance.
Open ToolInstant reference for Visa VDR, Mastercard MDR, and Amex CMG dispute reason codes — 60+ codes covered. Required documentation, representment deadlines, pre-arbitration rules, and arbitration timelines per network. Companion to Tool 41 (Chargeback Representment Builder) — use together to build and submit a fully evidenced representment.
Open ToolAssess 3DS 2.x implementation against EMV 3-D Secure v2.3 and PSD2/PSD3 SCA requirements. Covers frictionless vs. challenge flow decision logic, all six SCA exemptions (TRA, low-value ≤€30, trusted beneficiary, recurring, MOTO, delegated authentication), ECI liability shift codes (05/06/07), and FCA/EBA RTS compliance. Policy Mandate JSON 3DS policy output.
Open ToolCheck eligibility for seven major real-time payment networks: FedNow (US), RTP/TCH (US), PIX (Brazil), UPI (India), PayTo/NPP (Australia), UK Faster Payments, and SEPA Instant (EU). Per-network onboarding checklists, technical requirements, ISO 20022 message format requirements, settlement finality rules, and participation Policy Mandate JSON.
Open ToolModel the impact of 2025–2026 Visa, Mastercard, and NACHA rule changes on your payment portfolio. Seven embedded rule changes covering Visa's updated dispute lifecycle, Mastercard's enhanced chargeback programme, and NACHA's March 2026 fraud monitoring amendments. Outputs interchange impact estimate, required compliance actions, implementation timeline, and Policy Mandate JSON impact assessment.
Open ToolBenchmark Visa and Mastercard scheme fees (assessment fees, network fees, cross-border fees) by card type across US, EU, UK, and APAC jurisdictions. Fee-per-transaction breakdown, Visa vs. Mastercard comparison table, IFR-capped EU interchange vs. scheme fee total, optimisation opportunities, and Policy Mandate JSON fee policy for agent runtime consumption.
Open ToolLast reviewed: May 2026 · 8 tools · Cat-19 · Payment Scheme & Network
Use T228 to validate your 3DS 2.x implementation against EMV and PSD2/PSD3 requirements before go-live. Use T229 to check technical prerequisites for each RTP network. Use T226 to scope your CDE boundary before a QSA engagement.
Use T224 to run a self-assessment against NACHA Operating Rules including the March 2026 fraud amendments. Use T226 for PCI DSS v4.0 scope scoping and SAQ selection. Use T230 to model the compliance impact of the 2025–2026 Visa/MC/NACHA rule cycle.
Use T225 to simulate interchange qualification for your transaction types and identify downgrade risks. Use T233 to benchmark Visa vs. Mastercard scheme fees across your key geographies. Use T227 to look up the correct dispute reason code and required evidence before a chargeback representment.
Use T227 to instantly identify what documentation is required for a given dispute reason code and whether representment is viable given the deadline. Cross-link to Tool 41 to build and export the complete representment packet once the evidence strategy is confirmed.
Use T230 to model how the 2025–2026 rule cycle will affect your product P&L — interchange impact, required compliance investment, and implementation timeline. Use T229 to assess RTP network eligibility for new market entry decisions before committing technical resource.
All six AP2-enabled Cat-19 tools export machine-readable mandates directly consumable by autonomous payment agents via the AINumbers.co MCP server. Chain T224 → T226 → T225 → T228 → T230 → T233 for a full scheme compliance audit pipeline.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
PCI DSS v4.0 became mandatory in March 2024. Introduces customised approach, targeted risk analysis, and enhanced multi-factor authentication requirements. T226 covers all six SAQ types.
NACHA Operating Rules §2–§9 govern ACH origination, transmission, receipt, return, and adjustment. March 2026 amendments add fraud monitoring obligations for ODFIs. T224 embeds all sections.
Strong Customer Authentication under PSD2 RTS and FCA guidelines mandates 3DS 2.x for remote electronic payments above €30. PSD3 proposals extend and clarify exemption criteria. T228 covers the full SCA framework.
Visa VDR, Mastercard MDR, and Amex CMG define reason codes, documentation requirements, representment deadlines, and arbitration procedures. T227 covers 60+ codes across all three networks.
IFR (2015/751) caps consumer card interchange within the EEA: 0.2% debit, 0.3% credit. Commercial cards exempt. T233 embeds IFR rates across all jurisdictions.
EMVCo's 3DS 2.3 specification introduces decoupled authentication, enhanced device binding, and improved non-payment authentication flows. T228 covers v2.1 through v2.3.
Open T224 — NACHA ACH Rule Compliance Checker and select your role (ODFI, RDFI, or Third-Party Sender). Work through each section §2–§9. The March 2026 Fraud Monitoring amendments are embedded. Export the Markdown memo as your compliance audit trail and the Policy Mandate JSON for your programme documentation system.
Start with T226 — PCI DSS v4.0 Scope Assessment Wizard to determine your SAQ type and CDE boundary before engaging a QSA. The wizard walks through network segmentation, card data flow mapping, and customised approach eligibility. The output Markdown roadmap becomes your pre-QSA briefing document.
Open T225 — Visa/MC Interchange Qualification Tester and enter the transaction details from your processor settlement report. The tool will identify the qualification tier the transaction landed in and why — common causes include missing CVV, AVS failure, settlement beyond T+1, or wrong MCC.
Open T227 — Card Dispute & Reason Code Mapper and enter the reason code from your chargeback notification. The tool shows required documentation, representment deadline, and whether pre-arbitration is viable for this code. Once you know the evidence strategy, open Tool 41 — Chargeback Representment Builder to assemble and export the complete representment packet.
Open T229 — RTP Network Participation Checker and select the target network and your institution type. The per-network checklist shows technical, operational, and regulatory prerequisites. Once you confirm eligibility, use Tool 98 — ISO 20022 Message Validator to validate the specific message types required for that network.
All 8 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 |
|---|---|---|---|
| T224 | check_nacha_ach_rule_compliance | role, sections[], amendments[] | compliance_status{}, gaps[], policy_mandate_json |
| T225 | test_interchange_qualification | card_type, mcc, auth_method, settlement_timing | interchange_tier, downgrade_risk, optimisation[], policy_mandate_json |
| T226 | assess_pci_dss_scope | saq_type, cde_boundary{}, segmentation_method | saq_recommendation, cde_map, gap_list[], policy_mandate_json |
| T227 | map_card_dispute_reason_code | reason_code, network, transaction_type | required_docs[], representment_deadline, pre_arb_eligible |
| T228 | check_3ds_emv_compliance | ds_version, exemption_type, eci_code | frictionless_eligible, liability_shift, sca_compliance, policy_mandate_json |
| T229 | check_rtp_network_participation | network, institution_type, jurisdiction | eligibility_status, requirements[], iso20022_messages[], policy_mandate_json |
| T230 | assess_network_rule_change_impact | rule_cycle, portfolio{}, schemes[] | interchange_impact, compliance_actions[], timeline, policy_mandate_json |
| T233 | benchmark_card_scheme_fees | card_type, jurisdiction, volume | fee_breakdown{}, visa_mc_comparison, ifr_total, policy_mandate_json |