# 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](issue-audit.md). Bank acceptance requires bank-specific evidence beyond schema validation.