Scope comparison

This is a capability boundary, not an independently researched ranking of third-party products. No competitor performance or compatibility claim is made.

Component	Payment XML	Settlement	Synthetic bank reply
Core	Bundled pain.001/pain.008 generation, XSD validation	No	pain.002 builder
MCP / LSP	Delegate supported operations to core	No	MCP parsing tools
Mockbank	Accept synthetic uploads	No	Rule-driven pain.002 outbox

Evidence: bundled templates, core generation/parsing modules, and the companion implementation inventory. Bank acceptance requires bank-specific evidence beyond schema validation.