A2A Fee Benchmarking Report Builder

Configure Report Inputs · Step 1 of 1

· This tool runs entirely in your browser. No user data is transmitted to any server. External libraries (charts / PDF) load from cdnjs.cloudflare.com. All calculations happen locally on your device.

Payment Volume

Organization Name (for report header)

Monthly Transaction Count Total number of outgoing payment transactions per month

Average Transaction Amount ($) Mean dollar value per transaction

Average Fee Paid Per Transaction ($) Your blended average cost across all rails today

Current Payment Mix

Adjust sliders to match your current split. Total should equal 100%.

Card Payments

40%

ACH (Next-Day / Standard)

30%

Wire Transfers

20%

Checks

10%

Mix total: 100%

Rail Assumptions

Standard published rates — editable for your negotiated pricing.

FedNow Rate ($/tx)

RTP Rate ($/tx)

Same-Day ACH Rate ($/tx)

Next-Day ACH Rate ($/tx)

Executive Benchmark Report

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Report awaiting inputs

Enter your payment volume, transaction count, current mix, and average fees — then click "Generate Benchmark Report" to see your full executive comparison.

A2A Fee Benchmarking Report Builder is Tool #12 in the AINumbers.co A2A Fintech Tooling Suite. It generates a 1-page printable executive report comparing your current blended payment costs against four A2A rail alternatives, helping treasury and payments teams build the business case for rail migration.

Core benchmark logic (transparent JS conditionals):

Current annual cost = avg_fee_paid × monthly_txn × 12
Card effective fee (blended) = (avg_ticket × 0.029) + 0.30 per transaction
Wire estimate = $18.00 per transaction (typical bank wire fee)
Check estimate = $2.50 per transaction (including processing/postage)
A2A annual cost per rail = rail_rate × monthly_txn × 12
Annual savings = current_annual_cost − a2a_annual_cost

Rail reference rates (editable in the form):

Rail	Default Rate	Settlement Time	Max Amount
FedNow	$0.045/tx	~1–5 seconds	$500,000
RTP (The Clearing House)	$0.025/tx	~1–3 seconds	$1,000,000
Same-Day ACH	$0.055/tx	Same business day	$1,000,000
Next-Day ACH	$0.26/tx	Next business day	$1,000,000

All calculations are performed entirely in JavaScript with no external API calls. The report is printable via the browser's native print dialog, which can also save as PDF. No data leaves your device.

This tool runs entirely in your browser. No data is transmitted to any server. All inputs, calculations, and report generation occur locally on your device using JavaScript conditionals and template rendering.

No analytics trackers, cookies, localStorage writes, or form submissions of any kind are used. Payment volume figures, fee data, and organization names entered into this tool remain exclusively on your device and are discarded when you close the tab.

This tool may be safely used in air-gapped or security-restricted environments.