Complete toolkit for payment service providers navigating authorisation, safeguarding, and payment scheme compliance obligations. Covers PSP safeguarding assessment, SEPA OLO requirements, alias/proxy directory readiness, surcharging compliance, PI/EMI authorisation readiness, EMI capital requirements, and APP reimbursement liability splitting.
Seven standalone browser tools covering every layer of PSP authorisation, safeguarding, payment scheme compliance, and fraud reimbursement obligations.
Assesses PSP safeguarding arrangements against PSRs 2017 Reg 23 requirements. Covers segregation methods, ring-fencing, insurance equivalence, and audit trail obligations.
Open ToolChecks readiness for SEPA One-Leg-Out (OLO) transaction processing requirements. Assesses currency conversion, BIC/IBAN formatting, and EPC scheme rule compliance.
Open ToolAssesses readiness for alias/proxy directory integration (CoP, IBAN, OBIE). Maps obligations under UK Confirmation of Payee rules and EU proxy directory standards.
Open ToolNavigates surcharging prohibitions and exemptions under PSD2 Art 62 and UK PSRs 2017 Reg 57. Determines permitted surcharge scenarios across card schemes and geographies.
Open ToolGaps PI/EMI/AISP/PISP licence applications against FCA and EU NCA requirements. Scores readiness 0–100, lists gaps per PSD2/PSR 2017 Article requirements, checks capital adequacy.
Open ToolComputes own-funds requirement for EMIs under EMD2 Art 5 / UK EMRs 2011 using Methods A, B, and C. Comparison table, buffer recommendations, and EBA/GL/2021/03 guidance.
Open ToolAllocates liability between sending and receiving PSPs under UK PSR APP Reimbursement Rules (effective Oct 2024). £415,000 cap, vulnerability flags, gross negligence exception.
Open ToolUse these tools in sequence to build a complete PSP compliance posture — from authorisation through ongoing safeguarding and fraud reimbursement obligations.
Before applying for FCA or EU NCA authorisation, use T404 to score your application readiness, identify capital gaps, and map all PSD2/PSR 2017 article requirements. For EMIs, calculate exact own-funds obligation with T405.
Establish and document your safeguarding arrangements. Use T269 to assess compliance with PSRs 2017 Reg 23 — confirm segregated account setup, ring-fencing effectiveness, and daily reconciliation processes.
Validate scheme compliance — SEPA OLO requirements with T270, CoP/IBAN alias directory integration with T271, and surcharging obligations across card schemes with T272.
From October 2024, all UK PSPs must reimburse APP fraud victims under PSR PS23/3. Use T406 to model liability splits, assess claim eligibility, and generate Policy Mandate exports for audit trails.
FCA/NCA application preparation, ongoing PSRs 2017 compliance monitoring, safeguarding audits, and APP reimbursement policy documentation.
EMI capital requirements calculation (Methods A/B/C), own-funds planning, and safeguarding account management under PSRs 2017 Reg 23.
APP reimbursement liability splitting, claim eligibility assessment, vulnerability flag management, and gross negligence evidence protocols.
CoP/alias directory integration readiness, SEPA OLO technical compliance, and payment scheme surcharging logic for checkout flows.
Tools in this hub are mapped to obligations under these frameworks. Verify current applicability with qualified legal counsel before relying on any output.
Payment Services Directive 2 (2015/2366/EU) and forthcoming PSD3. Covers PI/EMI authorisation, safeguarding (Art 10), SCA (Art 97–98), and surcharging (Art 62).
Payment Services Regulations 2017 SI 752. UK post-Brexit equivalent. Governs PI/EMI authorisation (Reg 5), safeguarding (Reg 23), and complaints (Reg 101).
E-Money Directive 2 (2009/110/EC) and UK E-Money Regulations 2011. Own-funds requirements (EMD2 Art 5), initial capital (Art 4), and safeguarding (Art 7).
PSR Policy Statement PS23/3. Mandatory reimbursement for APP fraud victims. 50/50 default split, £415,000 cap, consumer vulnerability protections, 13-month claim window.
FCA Payment Services & E-Money Approach Document. Supervisory expectations for authorisation applications, safeguarding, and client fund protection.
SEPA Regulation (EU) 260/2012 and EPC scheme rulebooks. One-Leg-Out requirements, IBAN-only migration, and CT/DD scheme compliance for cross-border EUR payments.
Open T404 PI/EMI Authorisation Readiness Checker and select your entity type (PI/EMI/AISP/PISP), jurisdiction (UK/EU), intended services, and capital position. Get a 0–100 readiness score with gap-by-gap PSD2/PSR article breakdown.
If authorising as an EMI, use T405 EMI Capital Calculator to compute your exact own-funds requirement under Methods A, B, and C per EMD2 Art 5. Compare all three methods and get a capital buffer recommendation.
Use T269 PSP Safeguarding Assessment to verify client fund protection arrangements. Then check scheme readiness with T270 SEPA OLO, T271 Alias Directory, and T272 Surcharging Navigator.
For UK PSPs, use T406 APP Liability Splitter to model sending/receiving PSP liability splits under PSR PS23/3, apply vulnerability and gross negligence flags, and export Policy Mandate JSON for audit trail.
All 7 tools expose structured outputs compatible with the AINumbers MCP manifest. Three tools (T404, T405, T406) support full Policy Mandate JSON (AP2) export.
| Tool ID | MCP Name | Key Inputs | Key Outputs |
|---|---|---|---|
| T269 | assess_psp_safeguarding | safeguarding_method, fund_types[], jurisdiction | compliance_score, gap_list[], policy_mandate_json |
| T270 | check_sepa_olo_readiness | psp_type, currency_pairs[], iban_validation | readiness_score, gaps[], scheme_obligations |
| T271 | assess_alias_proxy_directory_readiness | directory_type, jurisdiction, integration_method | readiness_score, cop_obligations[], gaps[] |
| T272 | navigate_surcharging_compliance | payment_method, jurisdiction, merchant_category | permitted, prohibition_basis, exemptions[] |
| T404 | assess_payment_institution_authorisation_readiness | entity_type, jurisdiction, services[], initial_capital | readiness_score, gap_matrix{}, policy_mandate_json |
| T405 | calculate_emi_capital_requirements | method, avg_outstanding_emoney, relevant_indicator, payment_volume, multiplier | required_own_funds, all_methods{}, buffer_rec, policy_mandate_json |
| T406 | split_psr_app_reimbursement_liability | payment_amount, fraud_type, vulnerability_flags[], gross_negligence | eligible, sending_psp_amount, receiving_psp_amount, policy_mandate_json |