A unified operations suite for payments engineers, finance leads, ERP architects, and marketplace operators managing the B2B payment lifecycle. Sixteen purpose-built tools covering invoice-to-payment orchestration, virtual card economics, AP automation savings, supplier payment terms optimisation, supply chain finance, ISO 20022 remittance validation, DAC7/1099-K withholding simulation, and platform payout design — all client-side, zero PII.
Follow this six-stage path to orchestrate, optimise, and govern the full B2B payment lifecycle.
Follow the 6-step lifecycle workflow below, or scroll to any tool group directly. All tools run in your browser — no account, no data transmission.
Orchestrate the full invoice lifecycle from capture through ISO 20022 message assignment, approval routing, and settlement timeline. Use the Policy Mandate JSON payment instruction stub as your integration baseline.
Compare ACH, RTP, FedNow, SEPA Instant, FPS, SPEI, wire, and virtual card on cost-speed-finality. Export Policy Mandate JSON routing policy.
Quantify FTE savings from AP automation, model DPO impact, and optimise supplier payment terms across risk tiers. Design embedded payment margin waterfall.
Validate pain.001 and camt.054 remittance completeness, model supply chain finance economics, and design notional pooling structures.
Assess ERP integration readiness for ISO 20022, configure B2B fraud detection heuristics (BEC, invoice manipulation), and deconstruct cross-border invoice costs.
Simulate DAC7/1099-K withholding thresholds, classify seller tax status, map US state MTL exposure, and model escrow timing for marketplace payouts. Export Policy Mandate JSON for all four.
Map the full invoice-to-payment lifecycle: invoice capture → approval routing → payment method selection (ACH, virtual card, real-time rail) → ISO 20022 message type assignment → settlement timeline. Supports three-way match simulation and exception routing. Outputs workflow diagram, ISO 20022 message type map, and Policy Mandate JSON payment instruction stub. Client-side. Zero PII.
Open ToolModel virtual card programme economics end-to-end: interchange income, rebate waterfall, BIN fees, network dues, processing cost, and net margin per transaction. Compare virtual card economics against ACH and wire for the same supplier payment. Sensitivity sliders for interchange rate, rebate share, and processing volume. Outputs NPV/IRR projection and Markdown pricing policy memo. Client-side. Zero PII.
Open ToolQuantify labour cost savings from automating invoice processing, approval workflows, and payment execution. Input: invoice volume, current cost-per-invoice, headcount, error rate. Model manual vs. automated AP cost, FTE savings, DPO impact, and break-even point. Outputs ROI summary, payback period, and board-ready savings memo. Client-side. Zero PII.
Open ToolModel NPV of early payment discount vs. cost of capital across supplier tiers. Greedy-selection algorithm for optimal DPO by supplier risk tier, invoice size band, and payment method. Dynamic discount rate vs. working capital cost crossover analysis. Outputs optimal terms matrix and Markdown supplier payment policy memo. Client-side. Zero PII.
Open ToolModel margin waterfall for embedded payment: interchange, scheme fees, processing cost, BaaS/sponsor bank fee, fraud loss assumption, reserve requirement, and net contribution margin per transaction. Configure by payment type and volume tier. Outputs take-rate waterfall chart, break-even volume, and Markdown margin policy memo. Client-side. Zero PII.
Open ToolCompare cost, speed, and finality across payment rails for B2B and platform payout use cases. Rails: ACH, RTP, FedNow, SEPA CT, SEPA Instant, FPS, SPEI, wire transfer, virtual card. Inputs: amount, destination jurisdiction, settlement urgency, rail availability. Outputs: cost-speed-finality matrix, recommended primary and fallback rail, and Policy Mandate JSON routing policy. Client-side. Zero PII.
Score ERP system readiness for ISO 20022 payment integration. Inputs: ERP platform, current payment format (MT/legacy), target format (MX/ISO 20022), integration method (direct API, middleware, file-based). Outputs: readiness score, migration complexity assessment, field mapping gap analysis, and Markdown integration project plan. Client-side. Zero PII.
Open ToolConfigure fraud detection heuristics for B2B payment fraud: Business Email Compromise (BEC), invoice manipulation, supplier impersonation, and change-of-bank-details fraud. Outputs: rule pseudocode, detection checklist, and operational control recommendations. Scope: B2B payment fraud only — not AML/TM (see Cat-12). Client-side. Zero PII.
Open ToolB2B invoice payment context only — adds cost layers absent from Tool 76 (treasury hedge framing). Deconstructs total landed cost per invoice: FX spread, correspondent fees, VAT/GST treatment (reverse charge, import VAT), Incoterms payment obligation timing, documentary credit costs, ERP remittance reconciliation cost. Cross-links Tool 76 for complementary treasury hedge analysis. Client-side. Zero PII.
Open ToolValidate structured remittance information in ISO 20022 pain.001 and camt.054 messages. Check: ISO 11649 structured creditor reference (SCR) format, RmtInf/Strd field population, invoice-level reconciliation completeness, ERP auto-match eligibility. Outputs: remittance completeness score, field-level validation errors, and Markdown STP readiness report. Client-side. Zero PII.
Open ToolModel supply chain finance programme economics. Compare: reverse factoring (approved payables finance), dynamic discounting, and inventory finance. Inputs: programme volume, supplier tier, discount rate, anchor buyer cost of capital, and SCF platform fee. Outputs: cost-benefit waterfall, supplier working capital benefit, anchor buyer DPO extension, and Markdown SCF programme design memo. Client-side. Zero PII.
Open ToolDesign notional pooling and virtual account structures. Configure: account hierarchy, interest netting logic, balance concentration rules, multi-currency overlay. Model interest benefit under pooling vs. standalone, settlement delay implications, and reconciliation event count. Outputs account structure diagram, interest benefit projection, and Markdown treasury memo. Client-side. Zero PII.
Open ToolModel EU DAC7 and US IRS 1099-K reporting trigger calculations by seller jurisdiction, residency status, and transaction volume. Calculate IRS backup withholding (24%), EU DAC7 thresholds (€2,000 / 30 transactions), OECD Model Rules safe harbours, FATCA Form 8966 flags. Outputs jurisdictional tax waterfall, DAC7/1099-K readiness checklist, and Markdown compliance memo. Policy Mandate JSON tax policy export. Client-side. Zero PII.
Open ToolDetermine W-8/W-9 form requirement by seller country and entity type. Classify FATCA/CRS status (US person, foreign person, exempt payee, FATCA-exempt entity). Determine applicable VAT treatment for marketplace services. Outputs onboarding document checklist, tax classification decision tree, and Policy Mandate JSON seller profile stub. Client-side. Zero PII.
Open ToolAssess US state money transmission licensing (MTL) requirements by business model, transaction type, volume, and customer geography. Flag states requiring MTL, states with agent-of-payee exemptions, and states with MSB registration overlap. Outputs state-by-state MTL exposure matrix, exemption applicability summary, and Markdown compliance memo. Policy Mandate JSON compliance export. Client-side. Zero PII.
Open ToolModel escrow release triggers, marketplace settlement timing, and reserve waterfall for split payment flows. Configure: escrow hold period, release conditions, reserve percentage, refund priority, and seller risk tier. Outputs payout architecture diagram, operational risk flags, settlement timeline SVG, and Policy Mandate JSON payout manifest. Client-side. Zero PII.
Open ToolLast reviewed: May 2026 · 16 tools · Cat-13 · B2B Payments & Platform Operations
Orchestrate invoice-to-payment flows (T132), validate ISO 20022 remittance data (T144), score ERP integration readiness (T139), and compare payout rails with Policy Mandate export (T147).
Quantify AP automation savings (T134), optimise supplier payment terms across tiers (T135), model SCF programme economics (T145), and run virtual account interest benefit analysis (T146).
Score ERP readiness for ISO 20022 migration (T139), validate remittance data enrichment for STP (T144), and model virtual card and embedded payment margin (T133, T136).
Model escrow timing and reserve waterfalls (T151), simulate DAC7/1099-K withholding thresholds (T148), classify seller onboarding tax status (T149), and map MTL licensing risk (T150).
Model DAC7, 1099-K, and FATCA obligations (T148, T149), map state MTL exposure with exemption analysis (T150), and build B2B fraud detection controls outside AML scope (T140).
Deconstruct total landed cost per invoice including VAT/GST, Incoterms obligations, and correspondent fees (T141). Cross-link to Tool 76 for complementary treasury hedge framing.
Use T132 — Invoice-to-Payment Orchestrator to document the full flow from invoice capture through ISO 20022 message assignment. Export the Policy Mandate JSON payment instruction stub as your integration baseline.
Use T147 — Payout Rail Cost & Finality Modeller to compare ACH, RTP, FedNow, SEPA Instant, FPS, and SPEI on cost-speed-finality. Export Policy Mandate JSON routing policy.
Use T134 — AP Automation Savings Calculator to model FTE savings, DPO impact, and break-even point. Pair with T135 — Supplier Payment Terms Optimiser for working capital uplift.
Use T144 — Remittance Data Enrichment Validator to score pain.001 and camt.054 messages for STP eligibility. Fix field-level errors before they cause reconciliation exceptions.
Use T145 — Supply Chain Finance Modeller to compare reverse factoring vs. dynamic discounting economics. Design virtual account structures for liquidity efficiency with T146.
Use T148 — DAC7/1099-K Simulator to map withholding triggers, T149 for W-8/W-9 classification, and T150 for US state MTL exposure. Export Policy Mandate compliance mandates for all three.
All 16 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 |
|---|---|---|---|
| T132 | orchestrate_invoice_to_payment | invoice_volume, payment_methods[], iso20022_msg_type | workflow_diagram, msg_type_map, policy_mandate_json |
| T133 | model_virtual_card_economics | interchange_rate, rebate_share, processing_volume | npv_projection, irr, pricing_policy_memo |
| T134 | calculate_ap_automation_savings | invoice_volume, cost_per_invoice, headcount, error_rate | roi_summary, payback_period, savings_memo |
| T135 | optimise_supplier_payment_terms | supplier_tiers[], discount_rate, cost_of_capital | terms_matrix, dpo_optimum, payment_policy_memo |
| T136 | simulate_embedded_payments_margin | payment_type, volume_tier, baas_fee, fraud_loss | take_rate_waterfall, breakeven_volume, margin_memo |
| T139 | score_erp_payment_integration | erp_platform, source_format, target_format, method | readiness_score, gap_analysis, integration_plan |
| T140 | build_b2b_fraud_heuristics | fraud_types[], rule_conditions[], thresholds{} | rule_pseudocode, detection_checklist, controls[] |
| T141 | calculate_cross_border_b2b_fees | invoice_amount, currency, destination, incoterms | landed_cost_breakdown, vat_treatment, total_cost |
| T144 | validate_iso20022_remittance_data | pain001_fields{}, camt054_fields{}, invoice_refs[] | completeness_score, validation_errors[], stp_report |
| T145 | model_supply_chain_finance | programme_volume, supplier_tier, discount_rate, platform_fee | cost_benefit_waterfall, dpo_extension, scf_memo |
| T146 | simulate_virtual_account_structure | account_hierarchy{}, netting_logic, currencies[] | interest_benefit, structure_diagram, treasury_memo |
| T147 | model_payout_rail_cost_finality | amount, destination_jurisdiction, urgency, rails[] | cost_speed_matrix, recommended_rail, policy_mandate_json |
| T148 | simulate_dac7_1099k_withholding | seller_jurisdiction, residency, transaction_volume | tax_waterfall, dac7_readiness, policy_mandate_json |
| T149 | classify_seller_onboarding_jurisdiction | seller_country, entity_type, vat_status | w8_w9_requirement, fatca_status, policy_mandate_json |
| T150 | map_mtl_licensing_risk | business_model, transaction_types[], states[] | mtl_exposure_matrix, exemptions[], policy_mandate_json |
| T151 | simulate_split_payment_escrow | hold_period, reserve_pct, release_conditions{}, risk_tier | payout_diagram, risk_flags[], policy_mandate_json |