---
title: "Merchant Card Economics Optimizer"
method: POST
path: "/v1/tools/optimise_card_economics"
tags: ["interchange", "card", "MCC", "VDCAP", "surcharge", "LCR", "A2A", "chargeback", "merchant"]
---

# Merchant Card Economics Optimizer

`POST /v1/tools/optimise_card_economics`

## Request

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

Four-stage card cost analysis: merchant profile → MCC intelligence & chargeback risk → interchange optimisation (VDCAP, surcharging, LCR, A2A) → CFO memo generation. Outputs total savings breakdown and AP2 cost optimisation mandate.

**Tool URL:** https://ainumbers.co/tools/85-card-economics-optimizer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `annualRevenue` number, required
  - `avgTransaction` number, required
  - `pricingModel` string, required
  - `mccCode` string

## Response `200`

Successful tool execution result

- object
  - `blended_interchange_rate` number
  - `current_annual_cost` number
  - `optimized_annual_cost` number
  - `total_annual_savings` number
  - `vdcap_compliant` boolean

---

[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)