---
title: "A2A Fee Calculator + Route Optimizer"
method: POST
path: "/v1/tools/calculate_a2a_fee_route"
tags: ["A2A", "fee", "FedNow", "RTP", "ACH", "routing", "cost", "interchange"]
---

# A2A Fee Calculator + Route Optimizer

`POST /v1/tools/calculate_a2a_fee_route`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/calculate_a2a_fee_route`
- Auth: none declared

Calculates per-transaction and annual costs for A2A rails (FedNow, RTP, Same-Day ACH, Next-Day ACH) versus card, and runs a multi-factor route optimizer across speed, cost, finality, and use-case fit. Exports a route recommendation mandate.

**Tool URL:** https://ainumbers.co/tools/01-a2a-fee-route-optimizer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `volume` number, required
  - `avgTxn` number, required
  - `cardRate` number, required
  - `urgency` string

## Response `200`

Successful tool execution result

- object
  - `best_rail` string
  - `best_cost_monthly` number
  - `best_savings_yr` number
  - `savings_pct` number
  - `route_rail` string
  - `route_confidence` string

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)