Visualise end-to-end A2A payment flows with failure point overlays. Map your corridor, select rail type, and add custom failure annotations. Export as PNG or share via URL.
·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 diagrams are generated locally from embedded JavaScript templates.
▣ Rail Template
⚠ Overlay Controls
Failure Points
Show risk markers on diagram
Step Timing
Show latency annotations
Return Flows
Show reversal / return paths
✎ Step Annotations
↓ Export
Payment Journey Mapper renders interactive flow diagrams for four major A2A payment rails, with annotatable steps and a failure-point overlay.
FedNow Credit — The Federal Reserve's instant credit push rail (live since 2023), settling in under 20 seconds 24/7/365.
ACH Debit — NACHA's batch debit rail. Same-Day ACH settles in hours; standard ACH in 1–3 business days.
UK Open Banking — PISP-initiated Faster Payments using PSD2/OBIE standards. Sub-2-second settlement.
SEPA Instant (SCT Inst) — EPC's pan-European instant credit scheme. Maximum €100,000 per transaction, 10-second settlement.
The failure overlay highlights documented failure modes at each step — including reversal risks, reference mismatches, timeout scenarios, and compliance blocks — with mitigation guidance.
All diagram state can be shared via the URL (template + overlay settings encoded as query parameters). No data leaves your browser.