Planning tool

Payment Use Case Builder

Define your payment use cases the way banking partners and compliance teams expect, using a five-element framework. Type in your own details, build a library, and export it for your next onboarding or corridor-expansion conversation.

Planning tool · 5-element framework · Build a library · No login required

Work through the five elements one at a time. Pick an option or type your own, then add a compliance note in your own words. Add each finished use case to your library and export the whole set when you are done.

What kind of company is initiating the payment? Name the regulated entity type, not just "a company."

Where is the sending entity registered? This determines the outbound regulatory framework.

Where is it going, and in what currency? Each currency + country combo is a distinct corridor.

The specific economic purpose. Be explicit — "payroll" and "contractor payments" carry different AML treatment.

Who receives the payment? Each carries different AML and documentation requirements.

Your own note on the compliance considerations for this use case. You control this text.

Optional. Auto-generated from the corridor and purpose if left blank.

Your library (0 use cases)

Download library

Build a use case above and add it here. Add as many as you need, then download them as a CSV.

Planning tool only. Routefusion provides this tool for general informational and planning purposes only. It is not legal, regulatory, compliance, tax, or financial advice, and using it creates no advisory or fiduciary relationship.

Its outputs are directional and based solely on the information you entered. They are not a guarantee of eligibility, pricing, timelines, approval, or of any particular provider or banking partner outcome.

Document, payment, banking-partner, and regulatory requirements vary by jurisdiction and change over time. Any requirement, threshold, or timeframe referenced here is general guidance, not a statement of what any specific provider, bank, or regulator will require of you.

You remain responsible for your own compliance obligations. Consult your own qualified legal and compliance advisors before acting on any output of this tool.

Routefusion makes no warranties and accepts no liability for decisions made using this tool.

Download your use case library

Take a formatted copy of your completed results into your go/no-go decision. Every score, weighted total, and verdict in one view, so your team can align and defend the choice.

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Talk to a Routefusion expert

Routefusion reviews use case definitions before every onboarding. Book a free consultation and we'll pressure-test your definitions, flag anything a banking partner would question, and map your corridors to the right rails.

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How it works & FAQs

01Define the five elements
For each payment flow, specify the sender business type, sender jurisdiction, destination country and currency, payment purpose, and beneficiary type. Every field accepts a preset option or your own text.
02Add your compliance note
Capture the AML, licensing, and documentation considerations you or your banking partner have identified for this corridor. You control this text — it is your working note, not legal advice.
03Build and export your library
Add each finished use case to your library, then export the full set as a formatted file to bring into onboarding calls, banking conversations, or corridor-expansion planning.
What is a payment use case?
A payment use case is one specific combination of sender business type, sender jurisdiction, destination country and currency, payment purpose, and beneficiary type. Naming all five together describes a single corridor precisely enough for a banking partner or compliance team to review it.
Why do banking partners ask for use cases this way?
Banking partners and compliance teams assess risk at the corridor level. Vague descriptions like "international payments" cannot be underwritten. Specifying the exact purpose and beneficiary type lets them apply the right AML, licensing, and documentation requirements to each flow.
Can I add corridors or purposes that aren't in the dropdowns?
Yes. Every field supports free text, so you can define any sender type, jurisdiction, currency corridor, purpose, or beneficiary that matches your business — the presets are just common starting points.
Are the compliance notes legal advice?
No. The compliance note is your own working text that you control, and the tool is for general planning and education only. It is not legal, regulatory, or compliance advice. Confirm specifics with your banking partner and qualified advisors.