RBE·13 · RBE Deterministic Suite · Interchange & LCR Schedules: April 2025

Interchange Qualification & Least-Cost Routing Rule Builder

Map card transaction attributes to Visa/Mastercard interchange tiers, identify downgrade risk, build a prioritised LCR routing rule set, generate a Level 2/3 data eligibility matrix, and compute portfolio-level interchange savings. Uses publicly published interchange schedules. Zero PII. Client-side.

Visa Interchange Mastercard Interchange Durbin Amendment LCR L2/L3 Data Downgrade Detection Policy Mandate · Zero PII
⚡ Client-side · No server calls
🔒 Zero PII · Static schedules
📦 MCP-compatible · manifest.json
v RBE Suite v1.0
⏱ Interchange rates embedded in this tool were last reviewed 2026-05-01 (based on Visa US April 2025 and Mastercard US April 2025 publicly published schedules). Verify against your acquirer's current interchange statement before making routing decisions.
A — Portfolio Configuration v1.0
Card Mix (% of monthly volume — total should ≈ 100%)
45%
30%
15%
10%
Processing Capability
3DS2 enabled
3DS2 adoption rate
75%
Level 2 data submission
Level 3 data submission
AVS on all CNP
CVV2 on all CNP
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.
B — Transaction Simulator
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C — Least-Cost Routing Rule Set
Rules are applied in priority order. First matching rule determines the routing path. Click Auto-Generate to build from Panel A inputs, or edit rules manually.
Click Auto-Generate to build LCR rules from your portfolio configuration.
D — Level 2/3 Data Eligibility Matrix
Run analysis to see the L2/L3 eligibility matrix filtered to your card mix.
Analyse & Export
Analysis Results
About this tool
Interchange qualificationMaps transaction attributes to the applicable Visa/Mastercard interchange tier using a static embedded schedule (publicly published). A single downgrade can move a CNP transaction from 1.80% to 2.95%. At $10M/month, a 5% downgrade rate costs ~$57,500/month in avoidable interchange.
Level 2/3 dataCommercial cards qualify for lower rates when enhanced data is submitted. L2: customer code, tax amount, PO number. L3: line items, ship-to ZIP, product codes. At $10M/month B2B volume, enabling L3 can save $20k–$50k/month.
LCR (Durbin/RBA)US Durbin-regulated and Australian RBA-regulated dual-network debit cards must be routable over the lowest-cost eligible network. The LCR rule set is directly actionable in your payment gateway's routing engine.
Regulatory coverageDurbin Amdt. §1075EU IFR 2015/751RBA Std. No.1/2006UK FCA PSRPSD2 Art. 62