---
title: "Interchange Qualification & LCR Rule Builder · RBE·13"
method: POST
path: "/v1/tools/interchange_qualification_engine"
---

# Interchange Qualification & LCR Rule Builder · RBE·13

`POST /v1/tools/interchange_qualification_engine`

## Request

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

Browser-based interchange qualification engine. Map card transaction attributes to Visa/Mastercard tier, build LCR routing rules, identify downgrade risk, generate Level 2/3 data eligibility matrix, and export routing Policy Mandate JSON. Zero PII. Client-side. Works offline. Uses publicly published interchange schedules.

**Tool URL:** https://ainumbers.co/tools/rbe-13-interchange-qualification-engine.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `entity_type` 'merchant' | 'payment_facilitator' | 'acquirer_iso', required
  - `country` 'US' | 'UK' | 'EU' | 'Australia' | 'Canada' | 'Other', required
  - `networks` string[], required
  - `monthly_cnp_volume` number: Monthly CNP processing volume in USD/EUR
  - `monthly_cp_volume` number: Monthly card-present processing volume
  - `card_mix_pct` object
    - `consumer_credit` number
    - `consumer_debit` number
    - `commercial` number
    - `rewards_premium` number
  - `processing_capability` object
    - `three_ds2_enabled` boolean
    - `three_ds2_adoption_pct` number
    - `level2_data` boolean
    - `level3_data` boolean
    - `avs_enabled` boolean
    - `cvv2_on_all_cnp` boolean
  - `primary_mcc` string: 4-digit MCC
  - `card_type` 'consumer_credit' | 'consumer_debit' | 'commercial' | 'rewards' | 'fleet' | 'prepaid', required
  - `transaction_type` 'cnp' | 'card_present' | 'recurring' | 'instalment' | 'moto', required
  - `authentication_method` '3ds2_frictionless' | '3ds2_challenge' | 'non_3ds' | 'emv_chip' | 'swipe'
  - `data_level` 'standard' | 'level2' | 'level3'
  - `transaction_amount` number
  - `settlement_timing` 'same_day' | 't1' | 't2' | 't3'

## Response `200`

Successful tool execution result

- object
  - `transaction_simulation` object
    - `qualifying_tier` string
    - `interchange_rate_pct` number
    - `interchange_fixed` number
    - `all_in_cost` number
    - `downgrade_risks` unknown[]
      - unknown
    - `optimisation_opportunities` unknown[]
      - unknown
  - `lcr_routing_rules` unknown[]: Ordered rules — apply first matching rule at authorisation gateway
    - unknown
  - `level2_3_matrix` unknown[]
    - unknown
  - `portfolio_savings_estimate` object
  - `ap2_mandate` object

---

[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)