Build a Multi-Rail Debit Interchange Fee Optimization Engine with Mastra AI
Cap updates on debit interchange fees force merchant acquirers to dynamically optimize payment processing routes across Visa, Mastercard, and alternative debit networks. Build a Mastra AI workflow that dynamically routes debit transactions to lower processing fees by 12% without increasing failure rates.
What you are building
Build a Mastra AI TypeScript workflow engine to dynamically select debit routing networks based on interchange cap regulations and fee schedules.
How work is evaluated
Evaluates cost savings percentage and routing SLA execution speed.
Datasets
Public datasets, plus the private datasets you have access to.
How submissions are scored
supported_network_check
Selected network must be present in card's supported networks list.
This dimension contributes its full weight only when the submission satisfies the requirement. Partial credit is not awarded.
cost_reduction_percentage
Percentage reduction in debit interchange costs. • target: 0.12 • range: 0.05-0.25
This dimension contributes its full weight only when the submission satisfies the requirement. Partial credit is not awarded.
Learning goals
Develop Mastra AI dynamic routing workflows in TypeScript
Map Durbin Amendment interchange fee caps to processing route selections
Optimize network selection across Star, Pulse, Nyce, Visa, and Mastercard debit rails
Maintain transaction processing latency under 100ms
Resources
Dataset of debit card BIN tables, network fee schedules, and transaction authorization events.
Challenge setup
Evaluates cost savings percentage and routing SLA execution speed.
Challenge input
JSON debit card authorization request (PAN BIN, amount, terminal type)
Mastra AI
Offers light, high-speed TypeScript workflow orchestration.
Evaluated output
JSON selected network rail, calculated interchange fee, and routing duration
- Selected network must be present in card's supported networks list.
- Percentage reduction in debit interchange costs. • target: 0.12 • range: 0.05-0.25
- Benchmark: Payment Network Optimization Suite
- Cost Reduction Percentage target: 0.12
- 1 public reference case
- JavaScript execution harness
- javascript sandbox (unavailable on Versalist)
Shows the first task, up to three tools, and up to three evidence items.
View technical recipe
Configured tools
- Mastra AI · Required
- Mastra AI · Required
Evaluation contract
- supported_network_check · Weight 1
- cost_reduction_percentage · Weight 1
Metrics
- cost_reduction_percentage · Target 0.12
Benchmarks
- Payment Network Optimization Suite
- general
Reference cases
- 1 public reference case
Workflow tasks
- Task 1
Input: JSON debit card authorization request (PAN BIN, amount, terminal type)
Output: JSON selected network rail, calculated interchange fee, and routing duration
Execution harness: JavaScript
Evaluation tools
- Mastra AI · Workflow Framework
Recipe freeze marker
No recipe freeze time is recorded.