Nine browser-based tools covering the full compliance lifecycle for payment institutions and e-money institutions — safeguarding and capital requirements, SEPA OLO, surcharging rules, FCA operational resilience, PI/EMI authorisation readiness, SCA exemption classification, and APP fraud reimbursement. PSD2 · PSRs 2017 · FCA · UK PSR. Client-side. Zero PII.
Follow the 4-stage compliance journey below, or jump directly to the tool you need. All tools run in your browser — no account, no data transmission.
Gap-check PI/EMI licence applications against FCA and EU NCA requirements. Readiness score 0–100 with gap list per PSD2/PSRs 2017 Article requirement.
Open ToolCompute EMI own-funds requirement per EMD2 Article 5 Methods A/B/C. Comparison across all three methods with recommended approach. For Payment Institutions under PSD2, see T418.
Open ToolCompute PI own-funds requirement per PSD2 Article 9 using Methods A (10% of fixed overheads), B (tiered % of payment volume × k), or C (3-year rolling average). Floor: €125,000. Compare all three methods side-by-side. Complements T405 for EMIs.
Open ToolAssess UK FCA enhanced safeguarding compliance for PIs and EMIs. Evaluates safeguarding method, permitted assets, daily reconciliation, acknowledgment letter, and shortfall calculation against CP22/15 requirements.
Open ToolAllocates APP fraud reimbursement liability between sending and receiving PSPs under UK PSR PS23/3 (Oct 2024). Computes £ splits, claim eligibility, and gross negligence defence scenarios.
Open ToolEvaluate EU PSP readiness for mandatory SEPA OLO rules (effective October 2025): structured postal address completeness, purpose code usage, and currency conversion disclosure for non-EEA leg transactions.
Open ToolCross-jurisdiction surcharging rules in one tool. Determine whether card and A2A surcharging is permitted, banned, or cost-capped across EU PSD2, UK PSR, US state laws (10 states), and Australia RBA.
Open ToolGiven a transaction's characteristics, identify all applicable SCA exemptions (low value, TRA, trusted beneficiary, recurring, B2B, MIT) ranked by friction. Outputs liability shift position for each exemption. EU PSD2 RTS and UK FCA SCA-RTS.
Open ToolBuild and self-assess UK FCA PS21/3 Important Business Services, set impact tolerances, map vulnerabilities, and scenario-test tolerance breaches. UK-specific ORB framework. Board sign-off deadline was March 2025.
Open Toolv1.0 · May 2026 · 9 Tools · Cat-25 · PSP & Payment Compliance
Authorisation readiness, capital adequacy, safeguarding audit, SCA compliance. Use T404 to gap-check PI/EMI licence applications and T269 to assess FCA enhanced safeguarding under CP22/15.
SEPA OLO implementation, SCA exemption routing, surcharging rules integration. Use T270 for OLO readiness, T419 to classify SCA exemptions by friction level, and T272 for cross-jurisdiction surcharging logic.
APP fraud liability, capital requirements, operational resilience tolerance-setting. Use T406 for PSR PS23/3 reimbursement liability splits, T405/T418 for EMI/PI own-funds calculations, and T376 to map impact tolerance breaches.
PSD2/PSRs statutory obligation mapping, FCA CP22/15 compliance. Use T404 to identify authorisation gaps and T272 for cross-jurisdiction surcharging rule mapping across EU, UK, US, and Australia.
Tools in this hub are mapped to obligations under the following frameworks. Verify current applicability with qualified legal counsel.
Authorisation, SCA, and safeguarding obligations. T404 gap-checks PI/EMI licence applications against PSD2 and UK PSRs 2017 Article requirements. T419 implements PSD2 RTS SCA exemption logic.
E-Money capital and own-funds requirements. T405 computes EMI own-funds per EMD2 Article 5 Methods A/B/C. T418 computes PI own-funds per PSD2 Article 9 with €125,000 floor.
Enhanced safeguarding for UK PIs and EMIs. T269 evaluates safeguarding method selection, permitted assets, daily reconciliation, acknowledgment letter, and shortfall calculation against CP22/15.
Mandatory EU rules effective October 2025. T270 checks structured postal address completeness, purpose code usage, and currency conversion disclosure for non-EEA leg transactions under EPC OLO rules.
UK Operational Resilience framework. T376 builds FCA PS21/3 Important Business Services definitions, sets impact tolerances, maps vulnerabilities, and scenario-tests tolerance breaches. Board deadline: March 2025.
APP Fraud Reimbursement, effective October 2024. T406 allocates liability between sending and receiving PSPs, computes £ splits and gross negligence defence thresholds under UK PSR PS23/3.
Strong Customer Authentication and common secure communication. T419 classifies all applicable SCA exemptions — low value, TRA, trusted beneficiary, recurring, B2B, MIT — with liability shift positions for EU PSD2 RTS and UK FCA SCA-RTS.
EU PSD2, UK PSR, US state laws (10 states), and Australia RBA. T272 determines whether card and A2A surcharging is permitted, banned, or cost-capped across all four regulatory regimes in a single navigator.
All 9 tools expose structured outputs compatible with the AINumbers MCP manifest. Tools with Export badges produce JSON outputs deployable via the AINumbers.co MCP server to your compliance agent workflows.
| Tool ID | MCP Name | Input Schema | Output |
|---|---|---|---|
| T404 | check_pi_authorisation_readiness | institution_type, jurisdiction, application_stage, existing_licences[] | readiness_score, gap_list[], article_refs[], recommended_actions[] |
| T405 | calculate_emi_capital_requirements | method, average_outstanding_emoney, fixed_overheads, payment_volume | own_funds_requirement, method_comparison{}, recommended_method |
| T418 | calculate_pi_own_funds | method, payment_volume_annual, fixed_overheads, rolling_avg_3yr | own_funds_requirement, floor_applied, method_comparison{}, psd2_article_ref |
| T269 | assess_psp_safeguarding_compliance | safeguarding_method, asset_types[], reconciliation_frequency, acknowledgment_letter_obtained, shortfall_amount | compliance_score, gap_items[], cp22_15_mapping{} |
| T406 | split_app_reimbursement_liability | claim_amount, sending_psp_factors{}, receiving_psp_factors{}, gross_negligence_indicators[] | liability_split{}, sending_psp_share, receiving_psp_share, eligibility_determination, defence_scenarios[] |
| T270 | check_sepa_olo_readiness | payment_flows[], address_fields{}, purpose_code_usage, currency_conversion_disclosure | readiness_score, gap_items[], epc_rule_refs[], effective_date |
| T272 | navigate_surcharging_compliance | payment_method, jurisdiction, surcharge_amount, merchant_cost_basis | surcharge_permitted, rule_applicable, cap_amount, regulatory_ref, cross_jurisdiction_matrix{} |
| T419 | classify_sca_exemptions | transaction_amount, payee_type, payment_type, channel, fraud_rate_psp, fraud_rate_issuer | applicable_exemptions[], ranked_by_friction[], liability_shift{}, regime |
| T376 | build_fca_impact_tolerance | business_services[], tolerance_thresholds{}, vulnerabilities[], scenario_inputs{} | ibs_map{}, tolerance_assessments[], breach_scenarios[], board_sign_off_status |