Tool 78 · Ops & Monitoring

Smart Routing Advisor ,
Payment Rail Decision Engine

7-step wizard that collects your payment scenario parameters and recommends the optimal rail with a scored comparison matrix, settlement timeline chart, and plain-English decision rationale. ACH, FedNow, RTP, Fedwire, SWIFT, SEPA, FPS, PIX, and UPI. All logic is rule-based and in-browser.

11 Rails · 5 Scoring Dimensions Decision Engine Exports CSV · Markdown · Policy Mandate JSON Mandate v1.0
Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.
Payment Scenario Wizard
1Amount
2Route
3Urgency
4Pattern
5Revoke
6Cost
7Context
Payment Amount & Currency
Routing Recommendation
🔀
Complete the 7-step wizard
Answer each question about your payment scenario and click "Get Recommendation" to see the optimal rail with a full scored matrix and decision memo.