Complete directory

Every page. Every tool.

40 free browser-based fintech tools, zero install, zero PII. Use the search below to find any tool by name, rail, standard, or keyword.

40
Total Tools
9
Categories
0
Server Calls
CC 4.0
Open Source

About this site

AINumbers.co is a free, open-source suite of 40 browser-based fintech tools. All tools run entirely client-side — no data is ever transmitted to a server. Ideal for payments engineers, compliance professionals, treasury analysts, and fintech product managers who need to work with payment standards without standing up infrastructure.

Standards covered: ISO 20022 (pain.001, pain.002, pain.008, pacs.008, pacs.004, pacs.002, camt.053, camt.054, camt.056), SWIFT MT (MT103, MT202, MT940, MT950), NACHA ACH, FedNow, RTP, SEPA SCT, SEPA SCT Inst, IBAN (ISO 13616), BIC (ISO 9362), LEI (ISO 17442), UETR (RFC 4122), MCC (ISO 18245), Visa interchange, Mastercard interchange, Durbin Amendment.

License: CC BY 4.0 — fork, adapt, and embed freely with attribution.

AI ·

Agentic Intelligence Suite

7 tools

Deterministic AI-powered tools for payment signal auditing, exception triage, regulatory document parsing, and agentic policy configuration. Built with embedded language model logic, no external API calls.

AI·07
AI Signal Auditor
AI-powered auditing of payment signals for anomaly detection, drift identification, and rule explainability.
LiveAI-Powered
 AI·01
SMB Treasury Tax Assistant
AI-assisted treasury and tax planning for SMBs using A2A and stablecoin payment rails.
LiveAI-Powered
 AI·02
A2A Exception Triage Console
AI-powered triage and prioritization of A2A payment exceptions and return codes.
LiveAI-Powered
 AI·03
M&A Due Diligence Lens
AI-assisted payment infrastructure due diligence framework for mergers and acquisitions.
LiveAI-Powered
 AI·04
Agent Policy Guardrail Builder
Define, test, and validate policy guardrails for autonomous payment agents.
LiveAI-Powered
 AI·05
Regulatory Document Intelligence
AI-powered parsing and summarization of payment regulatory documents and rule changes.
LiveAI-Powered
 AI·06
Agentic Mandate Sandbox
Configure, simulate, and test agentic payment mandate policies against synthetic transaction batches.
LiveAI-Powered
01

Core Infrastructure

5 tools

Payment rail cost modeling, ISO 20022 message construction, fee benchmarking, reconciliation, and synthetic data generation.

01
A2A Fee Calculator + Route Optimizer
Compare payment costs and route optimization across FedNow, RTP, Same-Day ACH, Next-Day ACH, and SEPA Instant. Generates executive ROI report.
Live
 02
ISO 20022 Message Builder
Build, validate, and export ISO 20022 XML messages including pain.001, pain.008, pacs.008, pacs.004, camt.053, and camt.056.
Live
 09
A2A Reconciliation Workbench
Reconcile A2A payment batches, identify mismatches and exceptions, generate structured exception reports.
Live
 12
A2A Fee Benchmarking Report Builder
Generate a print-ready executive report comparing current payment costs against A2A alternatives with ROI projections.
Live
 15
Synthetic A2A Test Data Generator
Generate up to 10,000 realistic synthetic payment records with configurable failure patterns. Export as CSV or JSON.
Live
02

Compliance & Consent

5 tools

Open banking consent auditing, ACH/NACHA validation, VRP mandate building, instant payment limit reference, and jurisdiction-specific compliance checklists.

03
Consent Compliance Auditor
Audit open banking consent flows against UK Open Banking, CFPB 1033, and EU PSD2 requirements.
Live
 07
ACH / NACHA Validator
Validate NACHA-format ACH files, verify routing numbers with ABA check digit, decode return codes, and check SEC codes.
Live
 11
VRP Mandate Builder + SEPA Validator
Build UK Commercial VRP mandates with configurable parameters. Validate SEPA credit transfers with MOD-97 IBAN check and BIC validation.
Live
 17
Instant Payment Limits Reference
Searchable limits, cut-off times, and availability across FedNow, RTP, ACH, Faster Payments, SEPA Instant, PIX, UPI, PayID, and Zengin.
Live
 18
A2A Compliance Checklist Generator
Generate jurisdiction-specific compliance checklists for A2A product launches covering licensing, AML/KYC, data privacy, and consumer protection.
Live
03

Fraud & Risk

6 tools

Fraud score simulation, AML red flag screening, APP fraud liability, sanctions name matching, and batch file validation with integrated sanctions screening.

04
Fraud Score Simulator + Explainability Panel
Simulate ML-style fraud scoring on synthetic payment transactions with configurable feature weights and explainability output.
Live
 05
AML Red Flag Transaction Screener
Screen synthetic transaction batches against 22 AML red flags including structuring, round-trips, and dormant reactivation. Rule Sandbox mode for custom velocity rules.
LiveRule Sandbox
 26
APP Fraud Liability Matrix
Model liability allocation for authorized push payment fraud across UK and EU regulatory frameworks with configurable scenario inputs.
Live
 20
A2A Payment Failure Analyser
Cluster NACHA return codes and open banking errors into root-cause categories with prioritized remediation plan.
Live
 43
Batch Payment File Validator + Sanctions Screening
Validate NACHA, ISO 20022, SEPA, and SWIFT MT batch files in-browser. Integrated sanctions name screening with Levenshtein, Jaro-Winkler, Soundex, and bigram algorithms.
LiveNew
 18*
Sanctions Name Screener (Demo)
Fuzzy-match name screening against a synthetic sanctions list. Being replaced by Tool 43 — Batch File Validator + Sanctions Screening.
Deprecated
04

Ops & Monitoring

6 tools

Payment operations dashboards, journey mapping, pay-by-bank prototyping, SLA simulation, and incident response runbook generation.

08
Pay-by-Bank Checkout Prototyper
Prototype open banking pay-by-bank checkout flows with configurable UX patterns, bank selection UI, and consent screens.
Live
 13
Payment Journey Mapper + Failure Points Overlay
Visualize end-to-end payment flows for FedNow, ACH, UK Open Banking, and SEPA Instant with togglable failure-point overlays.
Live
 14
Real-Time Ops Dashboard Template
Configurable mock real-time ops dashboard. Monitor FedNow, RTP, ACH, and SEPA Instant SLAs, latency percentiles, and alert states.
Live
 22
Payment Decline Code Decoder & Recovery Guide
Look up any card or A2A decline code across Visa, Mastercard, NACHA, SEPA, and FedNow with plain-English recovery actions.
Live
 27
A2A Settlement Finality Comparator
Compare settlement finality mechanics across RTGS, DNS, FedNow, RTP, blockchain, and tokenized rails.
Live
 40
Incident Response Runbook Builder
Generate regulator-ready incident response runbooks with OCC 36hr, GDPR 72hr, and DORA 4hr countdown timers. Coming soon.
Coming Soon
05

Open Banking & APIs

2 tools

Open banking API exploration, FDX schema comparison, IBAN validation, and SEPA reachability checking.

10
Open Banking API Explorer + Rate Limit Simulator
Browse mock UK Open Banking v3.1 and CFPB 1033/FDX API responses. Compare schemas side-by-side. Simulate 429 throttling.
Live
 16
IBAN Validator + BIC Lookup + SEPA Reachability
Validate IBANs with full MOD-97 algorithm, parse bank/branch codes, validate BIC structure, and check SEPA reachability. Batch CSV mode.
Live
06

Treasury, Strategy & Revenue

6 tools

Cross-border corridor savings, subscription churn modeling, payment reference generation, nostro ROI, CBDC sandboxing, and emerging corridor intelligence.

19
Nostro/Vostro A2A ROI Memo Generator
Quantify working capital savings of migrating from correspondent banking to tokenized A2A rails. Generates a formatted executive memo.
Live
 23
Cross-Border Corridor Savings Calculator
Calculate savings of switching from SWIFT correspondent banking to A2A direct rails. Enter volume, SWIFT fees, and FX spread.
Live
 24
Subscription Churn Analyzer: Card vs A2A/VRP
Quantify the ROI of migrating subscription payments from card-on-file to A2A / Variable Recurring Payments.
Live
 25
ISO 20022 Payment Reference Generator
Generate compliant ISO 20022 payment reference numbers, UETRs, and end-to-end identifiers per CBPR+ and HVPS+ specifications.
Live
 21
Emerging Market A2A Corridor Cheat Sheet
Reference for 30+ emerging market payment corridors — rail availability, FX volatility tiers, regulatory risk ratings. Export as CSV.
Live
 39
A2A Liquidity Simulator — Single & Multi-Rail
Model intraday cash flow and prefunding requirements across FedNow, RTP, ACH, SEPA Instant, PIX, and UPI. Coming soon.
Coming Soon
08

Reference & Decoder

2 tools

Instant lookup and explanation of payment codes, message types, field tags, and identifiers across all major payment standards.

Ref
PayCode Decoder
Paste any payment code — ISO 20022 message type, SWIFT MT, ACH return code, IBAN, BIC, UETR — for instant plain-English explanation, MT↔MX mapping, flow diagram, and test XML. Works offline.
Live
 06
FedNow Participant Lookup + Coverage Stats
Search all 1,700+ FedNow participants by institution name, city, state, or routing number. Coverage analysis and CSV export. Data from frbservices.org.
Live
09

Card Economics

2 tools

Merchant card cost analysis, interchange breakdown, MCC risk profiling, and Durbin Amendment eligibility lookup.

38
ClearCost Card & A2A Payment Cost Analyzer
Merchant View and Professional View modes. Flat-rate vs interchange-plus comparison, MDR line-item breakdown, Durbin context, A2A comparison. Visa/MC 2025–2026 rates embedded. Coming soon.
Coming Soon
 44
MCC Code Explorer & Risk Profiler
Search 340+ ISO 18245 Merchant Category Codes. Filter by risk tier (Low / Medium / High / Prohibited), network flags, Durbin eligibility, and NAICS industry. Click any row for full compliance detail.
LiveNew
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