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 • Fixed outdated Siri results and interrupted explanation states.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.

What’s New • Redesigned Specifications library for quick reference while working with payment files on your desktop. • Visa Base II header references and a Mastercard IPM reading guide. • 328 network-specific response-code entries across seven payment networks. • Expanded ISO 8583 field explanations, examples, and validation notes. • Saved references, comparison checklists, and shareable text or JSON reference sheets. What’s Changed • File Lab is now Specifications, with no file upload required. • Improved search, navigation, source links, and coverage explanations. What’s Fixed • Corrected field definitions and response-code descriptions. • Improved bitmap, ISO header, ASCII, number, and BCD validation. • Fixed short card-number masking and tightened input handling. • Improved handling of malformed TLV and XML data.