US ACH Timing and Rules
Nacha rule dates, the Same Day ACH per-entry limit and the Federal Reserve business-day calendar for businesses that send ACH payments, each dated and sourced
Discover
OpenAPICalculate2 tools Reference & guides3 tools
World Cross-Border Payment Cost
The hidden FX margin and total cost of a quoted international payment against the ECB euro reference rate, never presented as a tradable rate
Unify Dynamics LLC
Tools5read-only
Sign-inNoneno account, no key
Data keptNoneprocessed in memory
PriceFreeoptional Pro limits
StatusLiveMCP + REST
Works withMCP · RESTany agent
Try asking
Real questions, and the tools your agent calls to answer them.
My bank quoted 1.09 dollars per euro for a 5,000 euro transfer. What is the hidden margin against the ECB reference rate?
Tools called
fx_margin_vs_referenceWhat is the total cost, fees plus exchange-rate margin, of sending 5,000 EUR to a US supplier at a quoted 1.09 with a 7.50 EUR fee?
Tools called
total_costWhich of these three quotes delivers the most dollars for 5,000 euros?
Tools called
compare_quotesWhat is today's ECB reference rate for euro to Polish zloty and when was it published?
Tools called
reference_rateWhat rate would a 1.5% margin below the reference look like for pounds to euros?
Tools called
rate_for_marginAbout
World Cross-Border Payment Cost shows what a quoted international payment really costs. fx_margin_vs_reference compares a provider's quoted exchange rate with the European Central Bank's euro foreign exchange reference rate (crossed through the euro for the pair) and gives the margin in percent. total_cost adds the visible fees and shows the total cost as a percentage of the amount with the working laid out. compare_quotes ranks several quotes by the amount that arrives and shows each one's margin and cost against the reference. rate_for_margin gives the rate that would correspond to a chosen margin below the reference, and reference_rate shows the reference rate itself with its publication date. The ECB states that its reference rates are not intended for market transactions and are for information only: the reference is a yardstick for comparison, never a rate at which money can be exchanged, and every answer says so. Rates are read from the ECB's public files; dates without a publication (weekends and TARGET closing days) use the previous publication and say so. Corridor benchmarks from the World Bank and the G20 cross-border targets are not included in this version because their figures could not be read from the official pages.
Sources: Reference data from official sources (ecb.europa.eu); every answer states its source, date and validity period.
Privacy
The publisher, Unify Dynamics LLC, states that tool inputs are processed in memory and not retained.
Data not collectedNo account, no profile, no stored prompts or results.
What it can do
5 tools, grouped by job. Every one is read-only or compute-only.
- Total costFees plus exchange-rate margin as a percentage of the amount sent, with the working shown.
- Compare quotesRank several quotes for the same payment by the amount that arrives, with margin and total cost against the reference.
- Reference rateECB euro reference rate for a currency pair (crossed through the euro) with its publication date, for comparison only.
- Fx margin vs referencePercentage difference between a quoted exchange rate and the ECB reference rate for the day.
- Rate for marginThe exchange rate that corresponds to a chosen margin below the ECB reference rate.
Information
PublisherUnify Dynamics LLC
CategoryMoney & business · Reference
LanguagesEnglish
Built forWorldwide
CompatibilityAny MCP client · any agent · REST
Version0.1.0
MCP endpoint
https://world-payment-cost.connectorbay.com/mcpREST APIopenapi.json
CountryWorldwide
LayerFunction hubs
More like this
More in Paying suppliers & staffAustralia Payday Super
When super guarantee must reach each employee's fund under Payday Super (7 business days after payday), 12% on qualifying earnings, and what a late payment can cost. General information only.
EU EPC QR Builder
Builds, validates and renders the EPC QR (Girocode) payload for a SEPA credit transfer, so an invoice can carry a scan-to-pay code
Philippines QR Ph Payload Checker
Check and decode QR Ph merchant payloads at the EMV level (structure, field limits, CRC-16, PHP and PH values) and read what the BSP FAQ says about QR Ph; the QR Ph template layout itself is not covered
Pix QR Builder
Build, validate and explain Pix static and dynamic QR codes (copia e cola) from the Central Bank manuals, with the CRC16 checked and a read-back for the owner to confirm
India SMB Rules Change Log
A dated, cited log of Indian rule and rate changes that affect small businesses (GST slabs, UPI MDR, TReDS, income-tax) so a scheduled agent can report what changed since last Monday