A — Schedule Identity v1.0

Schedule Name

Version

Effective Date

Expiry Date (optional)

Issuer / Brand Name

Base Currency

Jurisdiction(s)

Regulatory Framework(s)

Cliff Detection Threshold (%)

Fee Jump Flag Cells where fee jumps ≥ this threshold are outlined in ⚠ amber. Default: 30%.

Durbin Amendment scope

Flag regulated US debit rails with interchange cap context

Level 2/3 data indicators

Show L2/L3 optimisation badges on heat-map cells

B — Fee Rule Builder

Rail	Corridor	Amount Band	Merchant	Cust. Tier	Fixed Fee	% Fee	FX Margin	Surcharge	Min Fee	Max Fee	Flags

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.

Educational Use Only This tool provides a self-assessment / educational framework for internal planning purposes only. It is not a regulatory audit, legal advice, or a substitute for a formal compliance review by a qualified advisor. Verify all interpretations against the official source text and applicable RTS/ITS/guidance published by the relevant authority.

C — Fee Heat-Map

Add rules above, then click Refresh to render the heat-map.

Low fee Mid High fee ⚠ Cliff (>threshold) ✕ No rule 💡 L2/L3 eligible

D — Transaction Simulator

Rail

Corridor

Amount

Merchant Type

Customer Tier

Monthly Volume

€0.00 total fee

PSD2 Art. 45 Disclosure

E — Regulatory Disclosure Generator

Run & Export

Analysis Results

About this tool

What it does Authors tiered payment fee schedules across 6 dimensions: rail, corridor, amount band, merchant type, customer tier, and volume. Renders a live heat-map, detects pricing cliffs, and generates PSD2/Reg E disclosures.

Cliff detection Flags cells where the all-in fee jumps by more than the configured threshold (default 30%) vs. an adjacent band. Cliff events may require additional disclosure under PSD2 Art. 45(1)(b).

L2/L3 indicators When enabled, card and commercial rails show Level 2/3 data eligibility badges with estimated interchange saving ranges.

Policy Mandate Exports a versioned fee_schedule_mandate with all rules, cliff flags, coverage gaps, and agent instructions.

Regulatory coverage PSD2 Art. 45 · Reg E §1005.7 · Durbin Amdt. §1075 · MAS PS-04 · ASIC RG 165

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