RBE·13 · RBE Deterministic Suite · Interchange & LCR Schedules: April 2025 · Last Reviewed 2026-05-01

Interchange Qualification & Least-Cost Routing Rule Builder

Map card transaction attributes to Visa/Mastercard interchange tiers, identify downgrade risk, build a prioritised LCR routing rule set, generate a Level 2/3 data eligibility matrix, and compute portfolio-level interchange savings. Uses publicly published interchange schedules. Zero PII. Client-side.

Visa Interchange Mastercard Interchange Durbin Amendment LCR L2/L3 Data Downgrade Detection Policy Mandate · Zero PII
⚡ Client-side · No server calls
🔒 Zero PII · Static schedules
📦 MCP-compatible · manifest.json
v RBE Suite v1.0
⏱ Interchange rates embedded in this tool were last reviewed 2026-05-01 (based on Visa US April 2025 and Mastercard US April 2025 publicly published schedules). Verify against your acquirer's current interchange statement before making routing decisions.
A — Portfolio Configuration Last Reviewed · 2026-05-01
Card Mix (% of monthly volume — total should ≈ 100%)
45%
30%
15%
10%
Processing Capability
3DS2 enabled
3DS2 adoption rate
75%
Level 2 data submission
Level 3 data submission
AVS on all CNP
CVV2 on all CNP
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.
B — Transaction Simulator
—
—
C — Least-Cost Routing Rule Set
Rules are applied in priority order. First matching rule determines the routing path. Click Auto-Generate to build from Panel A inputs, or edit rules manually.
Click Auto-Generate to build LCR rules from your portfolio configuration.
D — Level 2/3 Data Eligibility Matrix
Run analysis to see the L2/L3 eligibility matrix filtered to your card mix.
Analyse & Export
Analysis Results
About this tool
Interchange qualificationMaps transaction attributes to the applicable Visa/Mastercard interchange tier using a static embedded schedule (publicly published). A single downgrade can move a CNP transaction from 1.80% to 2.95%. At $10M/month, a 5% downgrade rate costs ~$57,500/month in avoidable interchange.
Level 2/3 dataCommercial cards qualify for lower rates when enhanced data is submitted. L2: customer code, tax amount, PO number. L3: line items, ship-to ZIP, product codes. At $10M/month B2B volume, enabling L3 can save $20k–$50k/month.
LCR (Durbin/RBA)US Durbin-regulated and Australian RBA-regulated dual-network debit cards must be routable over the lowest-cost eligible network. The LCR rule set is directly actionable in your payment gateway's routing engine.
Regulatory coverageDurbin Amdt. §1075 · EU IFR 2015/751 · RBA Std. No.1/2006 · UK FCA PSR · PSD2 Art. 62
{
  "tool_id": "rbe-13-interchange-qualification-engine",
  "version": "1.0.0",
  "title": "Interchange Qualification & LCR Builder",
  "category": "ai",
  "ap2_export": true,
  "mandate_type": "routing_policy_mandate",
  "last_reviewed": "2026-05-01",
  "review_frequency": "annual — April",
  "mcp_tool_definition": {
    "name": "build_interchange_qualification_ruleset",
    "description": "Map card attributes to interchange
tiers, identify downgrades, build LCR rules,
L2/L3 matrix, portfolio savings estimate.",
    "inputSchema": {
      "type": "object",
      "required": ["entity_type","country",
        "networks","card_type","transaction_type"]
    }
  },
  "execution": {
    "type": "browser-javascript",
    "entry": "tools/rbe-13-interchange-qualification-engine.html",
    "function_name": "runAnalysis",
    "timeout_ms": 5000
  }
}