Eleven deterministic, browser-based tools covering the payment operations lifecycle — from real-time rail prefunding scheduling and a 16-rail global cutoff atlas through payment journey mapping, rail selection, incident response runbooks, and A2A migration planning. Anchored by a Policy Mandate agentic ops policy mandate builder. Zero PII.
Follow this track to build a complete payment operations and monitoring programme — or jump directly to the tool you need.
Eleven tools covering the full payment operations lifecycle — prefunding, cutoff windows, rail selection, journey mapping, incident response, and agentic ops policy. All client-side. Zero PII.
Daily prefunding schedule builder for FedNow, RTP, and SEPA Instant. 24-row hourly net position table, opening balance recommendation, top-up windows, idle capital cost, and three-rail comparison panel. For BCBS 248 facility sizing on credit-based rails use T258 (Cat-21). Zero PII.
Open ToolOperator-level cutoff precision across 16 global rails with DST adjustment and bank holiday flags for a specific date and corridor. Fedwire, FedNow, ACH, RTP, CHAPS, UK FPS, SEPA, T2, PIX, UPI, NPP, BACS, CIPS, SWIFT gpi. Distinct from T21 (emerging market corridor strategy). Zero PII.
Open ToolScore and rank ACH, FedNow, RTP, SWIFT, and SEPA Instant against your speed, cost, finality, and geographic requirements across 7 configurable decision dimensions. Outputs a ranked routing recommendation with rationale. Policy Mandate for routing policy governance.
Open ToolMigration planning tool for entities transitioning to A2A real-time rails — readiness assessment, timeline modelling, cutover risk scoring, and stakeholder checklist. Distinct from T324 (daily operational prefunding scheduling for entities already live on real-time rails).
Open ToolGenerate complete incident response runbooks with configurable jurisdiction (OCC 36hr / GDPR 72hr / DORA 4hr), severity (P1–P4), role matrix, and communication templates. Countdown timers and tabletop exercise scenarios included. Policy Mandate for governance.
Open ToolBrowser-based real-time payment operations dashboard template — configurable KPI panels for throughput, failure rates, SLA compliance, and average latency by rail. Simulation mode for stress testing and ops team training without live data.
Open ToolMap the end-to-end payment journey with configurable failure point overlays — authorisation, processing, settlement, and reconciliation stages. Identifies highest-risk handoffs, generates failure mode analysis, and produces compliance journey documentation.
Open ToolDecode payment decline codes across Visa, Mastercard, Amex, ACH, and SEPA with scheme-specific recovery guidance. Batch mode for ops teams processing high-decline-rate periods. Distinct from T319 (ISO 20022 pacs.002/008/009 status decoding).
Open ToolRail availability, FX volatility flags, and regulatory risk scoring for 30+ emerging market A2A corridors. Strategic corridor selection tool — distinct from T325 which gives operator-level cutoff precision for specific dates on specific rails.
Open ToolPrototype pay-by-bank checkout flows for open banking and A2A payment use cases. Configurable consent journeys, bank selection screens, and payment confirmation flows across PSD2 (EU), UK Open Banking, and Australian CDR frameworks. Zero PII.
Open ToolConsolidates four ops policy dimensions — liquidity, routing, SLA monitoring, and incident escalation — into a validated Policy Mandate JSON. Imports T324 prefunding schedule directly. agent_instructions array is MCP server deployable. Built-in routing policy validation. Zero PII.
Open ToolLast reviewed: May 2026 · 11 tools · Cat-04 · Payment Ops & Monitoring
Prefunding & intraday cash management. Use T324 for daily prefunding schedule — opening balance, top-up windows, idle capital cost. Use T325 for exact cutoff windows across 16 rails with DST and bank holiday awareness.
Capacity & incident management. Use T40 for complete incident response runbooks with OCC 36hr, GDPR 72hr, or DORA 4hr countdown timers and tabletop scenarios. Use T14 for real-time ops KPI dashboard simulation.
Rail selection & A2A migration. Use T78 Smart Routing Advisor to score ACH, FedNow, RTP, SWIFT, and SEPA Instant against speed, cost, and finality. Use T84 for migration planning with readiness assessment and cutover risk scoring.
Corridor & decline intelligence. Use T22 to decode payment decline codes across Visa, Mastercard, ACH, and SEPA with recovery guidance. Use T21 for strategic A2A corridor selection across 30+ emerging markets.
Journey & failure analysis. Use T13 Payment Journey Mapper to document end-to-end payment flows with failure point overlays across authorisation, processing, settlement, and reconciliation stages.
Agentic ops policy. Use T326 to build a validated AP2 mandate covering all four ops policy dimensions. Import T324 prefunding schedule, configure routing policy, set SLA thresholds, and define P1–P4 incident escalation rules. MCP server deployable.
Open T324 Real-Time Rail Prefunding Scheduler. Select your rail — FedNow, RTP, or SEPA Instant. Enter daily outgoing volume, opening balance, and timing profile. Click Build for a 24-row hourly schedule showing top-up windows and idle capital cost.
Open T325 Global Payment Cutoff Atlas. Select today's date and your payment corridor. The tool shows cutoff times for all relevant rails with UTC equivalents, DST flags, and bank holiday closures. Next available windows calculated automatically.
Use T78 Smart Routing Advisor to configure 7 decision dimensions — speed, cost, finality, coverage, batch vs real-time, settlement currency, and regulatory jurisdiction. The tool scores 10 rails and outputs a ranked recommendation with rationale.
Open T40 Incident Response Runbook Builder. Select jurisdiction (OCC 36hr / GDPR 72hr / DORA 4hr), severity level (P1–P4), and configure your role matrix. The tool generates a complete runbook with countdown timers, communication templates, and tabletop exercise scenarios.
Run T324 first and export the Policy Mandate JSON. Open T326 AP2 Payment Ops Policy Mandate Builder and import that export. Configure Dimensions 2–4 (routing policy, SLA targets, incident policy). Click Build — the agent_instructions array is deployable directly to your operations monitoring agent via the AINumbers.co MCP server.
All 11 tools expose structured outputs compatible with the AINumbers MCP manifest. Machine-readable manifest files are co-located with each tool HTML file. 6 of 11 Cat-04 tools have ap2_export: true.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T324 | schedule_realtime_rail_prefunding | rail, daily_volume, opening_balance, timing_profile, opp_cost_rate | hourly_schedule[], top_up_windows[], idle_capital_cost, policy_mandate_json |
| T325 | lookup_payment_cutoff_windows | date, corridor, rails[] | cutoff_windows{}, dst_flag, holiday_flags[], next_window{} |
| T326 | build_payment_ops_ap2_mandate | prefunding_schedule{}, routing_policy{}, sla_targets{}, incident_policy{} | ap2_mandate_json{}, agent_instructions[], validation_report |
| T78 | advise_payment_rail_routing | speed_req, cost_ceiling, finality_need, geography, batch_realtime, currency, jurisdiction | ranked_rails[], recommendation, rationale, routing_policy_mandate |
| T84 | run_a2a_migration_lab | entity_type, current_rail, target_rail, timeline_months | readiness_score, timeline{}, risk_score, stakeholder_checklist[], mandate |
| T40 | build_incident_runbook | jurisdiction, severity_level, role_matrix{} | runbook{}, countdown_timers{}, comms_templates[], tabletop_scenarios[], mandate |
| T14 | run_realtime_ops_dashboard | rail_config{}, kpi_targets{}, simulation_mode | kpi_panels{}, throughput_data[], sla_compliance, latency_by_rail{} |
| T13 | map_payment_journey | journey_type, failure_overlay[], stages[] | journey_map{}, risk_handoffs[], failure_mode_analysis, compliance_docs |
| T22 | decode_payment_decline_code | decline_code, scheme, batch_codes[] | decoded_reason, recovery_guidance, scheme_specific_notes |
| T21 | lookup_emerging_corridor | corridor, corridors[] | rail_availability, fx_volatility_flag, regulatory_risk_score |
| T08 | prototype_pay_by_bank_checkout | framework, consent_journey_type, currency | checkout_flow{}, bank_selection_screen, confirmation_flow, compliance_notes |