Paytools

Paytools

Payment Protocol Toolbox

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Free

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Released
July 23, 2026
Updated
November 2, 2026
Paytools screenshot #1 for iPhone
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About

Paytools is an offline payment-engineering workbench for developers, QA engineers, integrators, students, and fintech teams. Decode and inspect common payment-message structures, explore field definitions, convert technical data, and keep essential payment references close at hand. Processing happens locally on your device, so pasted messages and imported files are not uploaded to a server. PAYMENT TOOLS • Inspect ISO 8583 MTIs, bitmaps, and present data elements • Decode and build primary and secondary bitmaps • Parse BER-TLV data and identify common EMV tags • Recognize SWIFT MT blocks and ISO 20022 XML messages • Convert between HEX, ASCII, decimal, binary, and packed BCD • Validate synthetic card numbers with the Luhn algorithm • Compose synthetic Track 2 and ISO-0 PIN-block test data • Use development utilities for XOR and DES odd parity KNOWLEDGE LIBRARY • Search all 128 ISO 8583 data elements • Learn ISO 8583:1987, 1993, and 2003 MTI concepts • Follow authorization from merchant to acquirer, scheme, and issuer • Understand STIP, advice, reversal, clearing, and settlement flows • Review ISO 20022 message families and validation concepts • Study EMV transaction and cryptogram terminology CODES AND FIELDS Search operational response-code references for common ISO profiles, Visa, Mastercard, UnionPay/UPI, 3-D Secure, and gateway HTTP outcomes. Open any ISO field for its purpose, format, and implementation notes, including an expanded guide to DE22 POS Entry Mode. PRIVATE BY DESIGN Paytools has no account requirement and no cloud processing. Use synthetic or appropriately masked test data. Production payment formats and code meanings can vary by network, region, product, and specification release. Paytools is an independent educational and development utility. It is not affiliated with or endorsed by any payment network. Formal certification and production processing require the current authorized specifications, test packs, approved cryptographic systems, and applicable security controls.
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What's New in Paytools

1.2

November 2, 2026

What’s New • Siri integration: look up ISO 8583 fields and response codes for a selected payment network. • Ten new tools in Explore & Learn, including EMV bit inspection, profile-based ISO decoding, payment QR scanning, message comparison, and IBAN/BIC checks. • Explore ISO 20022 values with detailed XML paths. • Search payment references by keywords or meaning. • Review masked diagnostic text before sharing. • Learn through six interactive practice lessons. • Optional on-device AI explanations on compatible Apple Intelligence devices running iOS 26 or later. What’s Improved • More detailed field explanations, examples, and network-specific response-code references. • A redesigned Specifications library for comparing payment-file values with references on your phone. • More accurate field searches and network-specific code matching. What’s Fixed • Corrected XML parsing limits and namespace handling. • Improved masking of quoted sensitive values. • Fixed outdated Siri results and interrupted explanation states. • Improved decoder validation and error handling. Paytools continues to support iOS 17 and later. Full references remain available on devices without Apple Intelligence.

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