Tool 05 · Payment Operations

Invoice-to-A2A Tooling Suite

Parse invoices into Pay-by-Bank links and reconcile A2A payments against invoice ledgers. Three integrated tools: link generator, payment reconciliation, and aging report. Client-side only.

Zero PII · Client-Side Only Matcher + Link Generator ISO 20022 JSON Export
Invoice Parser Mode 1 · Link Gen
· 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.
Paste Invoice Text
Paste any invoice text — the parser extracts key fields via pattern matching.
Creditor Overrides
Link Generator — Output
🔗
Awaiting invoice input
Paste raw invoice text and click "Parse Invoice + Generate Link" to extract fields and build a Pay-by-Bank payment link.
CSV Reconciler Mode 2 · Reconcile
· This tool runs entirely in your browser. No data is transmitted to any server. All calculations and file processing happen locally on your device.
Invoices CSV
📄
Click to upload invoices CSV
Required columns: invoice_id, amount, currency, due_date, reference
Payments CSV
💳
Click to upload payments CSV
Required columns: payment_id, amount, currency, payment_date, reference
Match Settings
Reconciliation — Output
📊
No data loaded
Upload your invoices and payments CSVs, configure match settings, then click "Run Reconciliation" to see matched pairs, unmatched items, and an aging report.

Tool 05 — Invoice-to-A2A Tooling Suite is part of AINumbers.co' 18-tool A2A Fintech series. It operates in two modes: Link Generator (parse invoice text → Pay-by-Bank link + ISO 20022 JSON) and Reconciler (match A2A payment records against outstanding invoices).

Link Generator Logic: Regex and keyword patterns extract creditor name, invoice ID, amount, currency, due date, and bank routing details from raw text. A rule-based rail selector chooses the optimal A2A rail based on amount thresholds (FedNow for ≤$500K urgent; RTP for ≤$1M; ACH otherwise). The payment slug and ISO 20022 JSON are constructed via string interpolation — no external APIs involved.

Reconciler Logic: Invoices and payments are matched in three passes: (1) exact amount + date; (2) fuzzy reference string match within date tolerance; (3) date proximity ±N days within amount tolerance. Unmatched invoices are classified into aging buckets (0–30, 31–60, 61–90, 90+ days overdue).

Privacy: This tool runs entirely in your browser using the FileReader API and JavaScript string processing. No invoice data, payment records, account numbers, or any other information is transmitted to AINumbers.co or any third party. The tool has no analytics, no tracking pixels, and no backend.

Limitations: Invoice parsing is regex-based and works best with structured text. Scanned PDFs or heavily formatted documents may require manual field entry. The reconciler uses deterministic matching — no probabilistic ML. For production use, connect to your ERP or accounting system's API.

Scenario Template
Structuring Attack
Trade-Based Money Laundering
Layering via Multiple Accounts
Rapid Fund Movement
Dormant Account Spike
Transaction Count (custom)
Velocity Rules
Daily Transaction Limit 15
Daily Dollar Limit $50,000
Structuring Threshold $9,500
High-Risk MCC Flags
Geographic Risk — FATF Feb 2026
Black List
Grey List

FATF last updated: February 2026. Reviewed Feb/Jun/Oct. Verify at fatf-gafi.org before production use.

Additional Rules
Circular Trading Detector
Unusual Hours Flag
Dormant Account Reactivation
Jurisdiction
FinCEN delayed AML/CFT program requirements by approximately two years in 2025. Current compliance target: ~2027.
🔬

Configure rules on the left and click Run Sandbox Analysis.