---
title: "Visa/MC Interchange Qualification Tester"
method: POST
path: "/v1/tools/test_interchange_qualification"
tags: ["interchange", "Visa", "Mastercard", "qualification", "CPS", "Merit I", "downgrade", "CNP", "EMV", "AP2"]
---

# Visa/MC Interchange Qualification Tester

`POST /v1/tools/test_interchange_qualification`

## Request

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

Simulates interchange category qualification for Visa and Mastercard US domestic transactions. Covers Visa CPS/Standard/EIRF and MC Merit I/III/Enhanced Best. Outputs qualified tier, estimated rate, optimisation checks, and AP2 JSON interchange policy.

**Tool URL:** https://ainumbers.co/tools/225-visa-mc-interchange-qualification-tester.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `card_brand` string, required
  - `card_type` string
  - `transaction_amount_usd` number, required
  - `channel` string, required
  - `avs_result` string
  - `same_day_batch` string

## Response `200`

Successful tool execution result

- object
  - `qualified_tier` string
  - `interchange_rate_pct` number
  - `interchange_cents` number
  - `estimated_interchange_cost_usd` number
  - `effective_rate_pct` number
  - `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)