---
title: "Payment Method Mix Optimizer"
method: POST
path: "/v1/tools/optimise_payment_mix"
tags: ["payment mix", "interchange", "A2A", "BNPL", "wallet", "merchant", "cost optimisation"]
---

# Payment Method Mix Optimizer

`POST /v1/tools/optimise_payment_mix`

## Request

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

Models a merchant's payment method mix (card, A2A, BNPL, wallet, cash) against volume, AOV, and interchange rates. Calculates blended cost, recommends an optimal mix, and projects annual savings.

**Tool URL:** https://ainumbers.co/tools/103-payment-method-optimizer.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `monthly_vol` number, required
  - `aov` number, required
  - `mix` object, required

## Response `200`

Successful tool execution result

- object
  - `health_score` number
  - `current_annual_cost` number
  - `optimized_annual_cost` number
  - `projected_savings` number
  - `recommended_mix` 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)