Seven browser-based tools covering the full card payment economics stack — from merchant interchange cost analysis and MCC risk profiling to scheme fee modeling for acquirers, issuer portfolio P&L, and card programme unit economics. Visa · Mastercard · 2025–2026 rates embedded. Client-side. Zero PII.
Follow the 5-stage card economics journey below, or jump directly to the tool you need. All tools run in your browser — no account, no data transmission.
Compare Flat-Rate vs. Interchange-Plus vs. Cash Discount with animated donut charts. Dissects MDR at line-item level — interchange, assessment, processor markup — with downgrade scenarios, Durbin context, and A2A comparison.
Open ToolSearchable reference for 340+ Merchant Category Codes. Filter by risk tier, network flags, NAICS group. Full detail drawer: Visa/Mastercard rules, chargeback thresholds, Durbin eligibility.
Open ToolModel U.S. interchange fees across Visa, Mastercard, Amex, and Discover. Compare flat-rate vs. interchange-plus vs. tiered pricing. Calculate Level 2/3 savings, PIN debit routing, and A2A migration ROI.
Open ToolFour-stage merchant card cost analysis — blended interchange, MCC risk mapping, routing/surcharging savings, VDCAP April 2026 authentication compliance audit, and board-ready CFO optimization memo.
Open ToolBreak down Visa and Mastercard scheme fees for acquirers — assessment, FANF (fixed acquirer network fee by volume tier), cross-border assessments, and NABU/APS — with SVG charts and industry benchmarks.
Open ToolModel the full economics of a card portfolio: NII, interchange revenue, annual fees, rewards liability, fraud loss, credit losses, and servicing cost → per-account unit economics and portfolio ROA.
Open ToolModel co-brand, private label, fintech/BIN-sponsor, and prepaid card programme economics — interchange split, rewards liability, marketing contribution, breakeven spend per card, and sensitivity analysis.
Open Toolv1.0 · May 2026 · 7 Tools · Cat-09 · Card Economics
Cost baseline, interchange optimization, CFO memo generation. Use T38 to dissect your MDR line-by-line, T44 to verify MCC classification and risk flags, T52 for Level 2/3 savings analysis, and T85 for a board-ready CFO optimization memo.
Scheme fee modeling, FANF tier analysis, cross-border cost. Use T415 to break down your Visa and Mastercard scheme fee load — FANF tiers, assessments, NABU/APS — often an overlooked 10–18 bps of volume.
Portfolio P&L, unit economics, scenario comparison. Use T416 to model the full economics of your card portfolio — NII, interchange, rewards liability, credit losses — through to per-account unit economics and ROA.
Co-brand/prepaid breakeven analysis, rewards liability modeling. Use T417 to model programme economics across co-brand, private label, BIN-sponsor, and prepaid structures with breakeven spend per card and sensitivity analysis.
Tools in this hub are mapped to obligations and rate schedules under the following frameworks. Verify current applicability with qualified legal counsel.
Visa Digital Commerce Authentication Programme rules effective April 2026. T85 includes a VDCAP authentication compliance audit stage with actionable remediation steps.
Durbin Amendment (Reg II) debit interchange caps and routing requirements. T38, T52, and T44 surface Durbin eligibility and PIN debit routing opportunities for qualifying merchants.
EU Interchange Fee Regulation — 0.2% consumer debit cap, 0.3% consumer credit cap. T52 and T416 include EU IFR rate logic for cross-border scenario modeling.
Mastercard US Interchange Rate Schedules effective 2025–2026. Embedded in T38, T52, T85, and T415 for real-rate modeling across all Mastercard product tiers.
Visa US Interchange Reimbursement Fee schedules effective 2025–2026. Embedded in T38, T52, T85, and T415 covering all Visa product categories including CPS, EIRF, and standard rates.
Start with T38 — ClearCost or T52 — Interchange Fee Optimizer to baseline your current card acceptance cost. Use T44 — MCC Code Explorer to check MCC classification and risk flags that affect your interchange category.
Run T85 — Merchant Card Economics Optimizer for a full merchant optimization analysis including VDCAP 2026 compliance. Use T415 — Scheme Fee Analyzer to model your acquirer's scheme fee load — often an overlooked 10–18 bps of volume.
Use T416 — Issuer Card Portfolio P&L Model to build a portfolio P&L view through to per-account unit economics and ROA. Use T417 — Card Programme Unit Economics Builder to model a card programme from the ground up with breakeven analysis and sensitivity scenarios.
All 7 tools expose structured outputs compatible with the AINumbers MCP manifest. Rate schedules are embedded — no external API calls required.
| Tool ID | Tool Name | MCP Definition Name |
|---|---|---|
| T38 | ClearCost Card & A2A Payment Cost Analyzer | analyze_card_a2a_payment_cost |
| T44 | MCC Code Explorer & Risk Profiler | explore_mcc_code_risk_profile |
| T52 | Interchange Fee Optimizer | optimize_interchange_fees |
| T85 | Merchant Card Economics Optimizer | run_merchant_card_economics_optimizer |
| T415 | Scheme Fee Analyzer | analyze_scheme_fees |
| T416 | Issuer Card Portfolio P&L Model | model_issuer_card_portfolio_pl |
| T417 | Card Programme Unit Economics Builder | build_card_programme_unit_economics |