RBE·08 · RBE Deterministic Suite · Fee Authoring Live

Payment Fee Schedule Authoring Engine

Author, simulate, and export tiered payment fee schedules for PSPs, neobanks, and BaaS providers. Build multi-condition rule tables across six dimensions, visualise pricing with a live heat-map, detect regulatory cliffs, and export versioned Policy Mandates with PSD2 Art. 45 / Reg E disclosure.

PSD2 Art. 45 Reg E Durbin Amendment MAS PS-04 L2/L3 Data Policy Mandate Export Zero PII
⚡ Client-side · No server calls
🔒 Zero PII
📦 MCP-compatible · manifest.json
v RBE Suite v1.0
A — Schedule Identity Last Reviewed · 2025-04-01
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
🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only.
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
€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 
{
  "tool_id": "rbe-08-fee-schedule-engine",
  "version": "1.0.0",
  "title": "Payment Fee Schedule Authoring Engine",
  "category": "ai",
  "ap2_export": true,
  "mandate_type": "fee_schedule_mandate",
  "mcp_tool_definition": {
    "name": "author_payment_fee_schedule",
    "description": "Author, simulate, and export
tiered payment fee schedules for PSPs,
neobanks, and BaaS providers.",
    "inputSchema": {
      "type": "object",
      "required": ["schedule_name","currency","rules"],
      "properties": {
        "schedule_name": { "type": "string" },
        "jurisdictions": {
          "type": "array",
          "items": { "type": "string" }
        },
        "currency": { "type": "string" },
        "rules": {
          "type": "array",
          "items": { "type": "object" }
        }
      }
    }
  },
  "execution": {
    "type": "browser-javascript",
    "entry": "tools/rbe-08-fee-schedule-engine.html",
    "function_name": "runAnalysis",
    "timeout_ms": 5000
  }
}