Tool 01 · Core Infrastructure

A2A Fee Calculator + Route Optimizer

Compare the true cost of card rails vs A2A direct rails. Select your payment profile, corridor, and transaction size — get an instant breakdown of fees, FX spread, and net savings.

All calculations run in your browser · No data transmitted Rule-Based AI Logic · Transparent JS

Payment Profile

Monthly Transaction Volume Total $ processed/month
$
Average Transaction Size Per payment
$
Urgency Settlement speed needed
Use Case Payment type
Corridor Payment geography

Current Card Costs

Card Processing Rate % of transaction value
%
Card Fixed Fee per Transaction In cents (¢)
¢

A2A Rail Fees (editable)

FedNow Fee per Transaction Fed published rate
¢
RTP (The Clearing House) Fee Per transaction
¢
Same-Day ACH Fee Per transaction
¢
Next-Day ACH Fee Per transaction
¢
Recommended Route
—
—
Confidence
—
Fill in your payment profile to receive a routing recommendation.
Best Annual Savings vs Cards
—
using — · vs card cost of —/yr
— reduction in payment costs
Monthly Cost Comparison — All Rails
Rail Monthly Cost vs Cards Per $1K processed Settlement
Monthly Cost by Rail ($)
Transactions / Month — at your avg ticket size
Break-Even Ticket Size — where FedNow beats card
Monthly Card Cost — current baseline
Export results

What this tool does: This calculator combines two functions: (1) a fee comparison engine that computes the monthly and annual cost of processing payments via card networks vs four US A2A rails — FedNow, RTP, Same-Day ACH, and Next-Day ACH; and (2) a route optimizer that recommends the best rail based on your urgency, use case, corridor, and transaction size, and explains the recommendation in plain English.

Routing logic (transparent JS conditionals): The optimizer uses rule-based logic — not a black-box model. Rules in priority order:

1. if corridor = cross-border → flag compliance warning (US A2A rails are domestic only)
2. if urgency = immediate AND avg_ticket ≤ $500,000 → FedNow
3. if urgency = immediate AND avg_ticket > $500,000 → RTP (higher limit)
4. if use_case = payroll OR subscription → Next-Day ACH
5. if avg_ticket < $100 → Same-Day ACH (cost-efficient for micro-transactions)
6. if urgency = same-day → Same-Day ACH or FedNow (by cost)
7. default → Next-Day ACH

Confidence %: Starts at 40% base. Each additional input field that meaningfully constrains the decision adds +10–15%, capped at 95%.

Data privacy: This tool runs entirely in your browser. No transaction volumes, rates, or results are transmitted to any server. All calculations and file processing happen locally on your device.

Default fee sources (as of Q2 2026):

FedNow
$0.045/txn
Federal Reserve published rate
RTP (TCH)
$0.025/txn
The Clearing House; varies by volume tier
Same-Day ACH
$0.055/txn
NACHA average; varies by ODFI
Next-Day ACH
$0.26/txn
NACHA average; varies by ODFI
Card (Visa/MC)
2.9% + $0.30/txn
Standard blended rate; Amex ~3.5%

Limitations: Does not account for interchange variations, volume discounts, chargeback costs, A2A implementation costs, or FX fees. For B2B scenarios, factor in payment terms and float. Consult your payment processor and legal counsel before switching decisions.

Source: Built by AINumbers.co as part of its open source fintech tools series. View on GitHub · MIT License.

This tool runs entirely in your browser. No user data is transmitted to any server. External libraries (charts / PDF) load from cdnjs.cloudflare.com. All calculations and file processing happen locally on your device.