---
title: "Global Payment Cutoff & Settlement Atlas"
method: POST
path: "/v1/tools/lookup_payment_cutoff_windows"
tags: ["cutoff", "settlement", "CHAPS", "Fedwire", "SEPA", "FedNow", "TARGET2", "PIX", "UPI", "NPP", "CIPS", "calendar", "DST", "holidays", "zero-pii"]
---

# Global Payment Cutoff & Settlement Atlas

`POST /v1/tools/lookup_payment_cutoff_windows`

## Request

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

Operator-level cutoff precision across 16 global payment rails (Fedwire, FedNow, ACH Same-Day, ACH Next-Day, RTP, CHAPS, UK FPS, SEPA CT, SEPA Instant, TARGET2, SWIFT gpi, PIX, UPI, NPP, BACS, CIPS) with DST adjustment and bank holiday flags for a specific date and corridor. Returns next available window when cutoff is already passed. Distinct from T21 (corridor-level emerging market strategy). Client-side. Works offline. Zero PII.

**Tool URL:** https://ainumbers.co/tools/325-payment-cutoff-settlement-atlas.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `dateStr` string, required: YYYY-MM-DD
  - `corridor` 'US-DOM' | 'UK-DOM' | 'EU-DOM' | 'US-UK' | 'US-EU' | 'UK-EU' | 'GLOBAL' | 'BR-DOM' | 'IN-DOM' | 'AU-DOM' | 'CN-DOM', required: Payment corridor — determines which rails are shown as primary

## Response `200`

Successful tool execution result

- object
  - `results` object[]
    - `rail` string
    - `isRelevant` boolean
    - `status` 'open' | 'always-open' | 'past' | 'closed' | 'holiday' | 'na'
    - `cutoffDisplay` string
    - `utcDisplay` string
    - `nextWindow` string, nullable
    - `dstActive` boolean
    - `holiday` string, nullable
  - `openCount` integer
  - `closedCount` integer
  - `dstCount` integer
  - `calDays` unknown[]
    - unknown

---

[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)