---
title: "Smart Routing Advisor — Payment Rail Decision Engine"
method: POST
path: "/v1/tools/recommend_payment_rail"
tags: ["payment rails", "routing", "ACH", "FedNow", "SWIFT", "SEPA", "decision engine"]
---

# Smart Routing Advisor — Payment Rail Decision Engine

`POST /v1/tools/recommend_payment_rail`

## Request

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

7-step wizard that scores ACH, FedNow, RTP, Fedwire, SWIFT, SEPA, UK FPS, PIX, and UPI across speed, cost, finality, reach, and revocability to recommend the optimal payment rail for a given scenario.

**Tool URL:** https://ainumbers.co/tools/78-smart-routing-advisor.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `amount` number, required
  - `currency` string, required
  - `sendCountry` string, required
  - `recvCountry` string, required
  - `urgency` string, required

## Response `200`

Successful tool execution result

- object
  - `recommendedRail` string
  - `compositeScore` number
  - `settlementWindow` string
  - `rankedRails` object[]
  - `filteredRails` 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)