{ "generatedFrom": "Payments Signal canonical architecture registry", "reviewDate": "2026-07-23", "blueprint": { "id": "architecture-batch-ach-direct-debit", "slug": "batch-ach-direct-debit", "title": "Batch credit-transfer, ACH, direct-debit, mandate, and file-processing architecture", "shortTitle": "Batch & direct debit", "family": "settlement", "summary": "Connects file-level integrity, item-level validation, mandate authority, cut-offs, clearing cycles, net settlement, returns, and multi-level reconciliation.", "audience": "Batch-payment architects, corporate-channel teams, direct-debit product, operations, testing, and business analysts", "reviewDate": "2026-07-23", "versionLabel": "Payments Signal reference architecture v1", "status": "current", "nodes": [ { "id": "batch-originator", "title": "Corporate, biller, or channel originator", "kind": "actor", "summary": "Creates a bulk credit-transfer or direct-debit instruction and its control totals.", "responsibilities": [ "Authorise the batch and each business purpose", "Provide stable file, group, and transaction identifiers" ], "owner": "Corporate treasury, biller, or bank channel", "inputs": [ "Payroll, supplier payments, collections, mandate data" ], "outputs": [ "Authorised payment file or batch API request" ], "interfaceContracts": [ "pain.001, pain.008, or rail-specific file contract" ], "controls": [ "Entitlement", "Dual approval", "File and amount totals", "Mandate evidence for direct debit" ], "failureModes": [ "Duplicate file", "Invalid control total", "Missing mandate" ], "recovery": [ "Reject before acceptance", "Correct under a new controlled version without changing original evidence" ], "lenses": [ "business", "data", "controls", "ownership" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment initiation message definitions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ], "messageIds": [ "pain-001", "pain-008" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-ingestion", "title": "Managed file and batch-ingestion service", "shortTitle": "Batch ingestion", "kind": "gateway", "summary": "Authenticates, scans, validates, counts, and stores the immutable inbound batch.", "responsibilities": [ "Verify channel and file integrity", "Apply file-level and transaction-level validation", "Create an immutable ingestion record" ], "owner": "Corporate channels and payment platform", "inputs": [ "Signed or authenticated file", "Control totals" ], "outputs": [ "Accepted batch with item statuses" ], "interfaceContracts": [ "File transport, acknowledgement, and retention contract" ], "controls": [ "Malware scan", "Checksum", "Duplicate-file key", "Count and value reconciliation" ], "failureModes": [ "Corrupt file", "Partial upload", "Schema or profile failure" ], "recovery": [ "Reject the file atomically where the contract requires", "Preserve item-level status where partial acceptance is supported" ], "lenses": [ "applications", "interfaces", "data", "controls", "resilience" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pain.001, pain.002 and pain.008 business transactions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Managed file-ingestion controls", "label": "simplified-educational-illustration", "simplifications": "Transport and partial-acceptance rules depend on channel and scheme." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-mandate", "title": "Mandate and authorisation service", "kind": "control", "summary": "For direct debit, proves the creditor’s authority and applies scheme-specific mandate conditions.", "responsibilities": [ "Store or reference mandate evidence", "Validate mandate status, sequence, and amendment" ], "owner": "Collections product and mandate operations", "inputs": [ "Mandate identifier", "Debtor, creditor, dates, sequence" ], "outputs": [ "Mandate-valid collection or precise rejection" ], "interfaceContracts": [ "Current direct-debit scheme mandate rules" ], "controls": [ "Mandate status", "Creditor identifier", "Sequence and date rules", "Audit" ], "failureModes": [ "Cancelled or missing mandate", "Wrong sequence", "Unauthorised amendment" ], "recovery": [ "Reject or return according to the scheme", "Correct mandate data only from authoritative evidence" ], "lenses": [ "business", "data", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "epc-sdd-core-rulebook", "locator": "SDD Core mandate and collection rules", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD Core rulebook" }, { "ref": { "sourceId": "epc-sdd-b2b-rulebook", "locator": "SDD B2B mandate and collection rules", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD B2B rulebook" } ], "messageIds": [ "pain-008", "pacs-003" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-scheduler", "title": "Cut-off, calendar, and batch scheduler", "shortTitle": "Scheduler", "kind": "service", "summary": "Assigns accepted items to the correct clearing window and value date.", "responsibilities": [ "Apply calendars, lead times, and cut-offs", "Group items without losing transaction identity" ], "owner": "Payment product and batch operations", "inputs": [ "Accepted items", "Requested dates", "Scheme calendars" ], "outputs": [ "Release-ready clearing batch" ], "interfaceContracts": [ "Scheme calendar and release schedule" ], "controls": [ "Effective-date calendar", "Cut-off enforcement", "Late-file treatment" ], "failureModes": [ "Missed cut-off", "Closed business day", "Misapplied value date" ], "recovery": [ "Move to the next permitted cycle with explicit status", "Do not backdate silently" ], "lenses": [ "applications", "data", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Batch scheduling boundary", "label": "simplified-educational-illustration", "simplifications": "Exact cut-offs and calendars are current scheme facts and are not hard-coded in this reference architecture." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-clearing", "title": "Batch clearing and item validation", "kind": "external-network", "summary": "Validates participant batches, calculates obligations, and returns file and transaction outcomes.", "responsibilities": [ "Validate file and item eligibility", "Calculate clearing obligations", "Distribute accepted items and statuses" ], "owner": "Clearing-system operator", "inputs": [ "Participant batch" ], "outputs": [ "Accepted/rejected items, participant obligations, output files" ], "interfaceContracts": [ "Current scheme, file, and clearing-cycle rules" ], "controls": [ "Participant status", "File sequence", "Control totals", "Transaction validation" ], "failureModes": [ "File rejection", "Item rejection", "Unbalanced cycle", "Late input" ], "recovery": [ "Return precise statuses", "Recalculate from immutable accepted inputs", "Apply cycle-continuity rules" ], "lenses": [ "interfaces", "data", "ledger", "controls", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4, 7, 8, 13, 17 and 21 where applicable", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "messageIds": [ "pacs-008", "pacs-003", "pacs-002" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-settlement", "title": "Batch net-settlement service", "kind": "ledger", "summary": "Settles participant net obligations in the designated settlement asset.", "responsibilities": [ "Receive balanced obligations", "Post net debits and credits", "Return finality evidence" ], "owner": "Central bank or designated settlement institution", "inputs": [ "Net settlement file or obligation set" ], "outputs": [ "Settled participant positions" ], "interfaceContracts": [ "Settlement account and default rules" ], "controls": [ "Balanced totals", "Funding", "Atomic cycle posting", "Finality timestamp" ], "failureModes": [ "Participant cannot fund", "Settlement file mismatch", "Ledger outage" ], "recovery": [ "Apply the documented default or unwind process", "Reconcile the cycle before reopening" ], "lenses": [ "ledger", "controls", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4, 7, 8, 9 and 13", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-receiver", "title": "Receiving-bank posting and returns", "kind": "application", "summary": "Posts accepted credits or debits, produces returns, and preserves the original clearing references.", "responsibilities": [ "Post eligible customer items", "Return rejected or unpaid items within applicable windows", "Report item outcomes" ], "owner": "Receiving payment and account operations", "inputs": [ "Clearing output", "Settlement evidence", "Account and mandate state" ], "outputs": [ "Customer posting", "Return", "Status and reporting" ], "interfaceContracts": [ "Posting, return, refund, and reporting rules" ], "controls": [ "Account validation", "Posting idempotency", "Return reason and deadline" ], "failureModes": [ "Insufficient funds", "Closed account", "Duplicate posting", "Late return" ], "recovery": [ "Use the scheme return or refund process", "Reconcile customer and settlement books before adjustment" ], "lenses": [ "business", "applications", "ledger", "operations" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pacs.002, pacs.004 and account reporting messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ], "messageIds": [ "pacs-002", "pacs-004", "camt-054", "camt-053" ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] }, { "id": "batch-reconciliation", "title": "File, item, settlement, and customer reconciliation", "shortTitle": "Reconciliation", "kind": "operations", "summary": "Proves that every accepted item has one final business, settlement, and ledger outcome.", "responsibilities": [ "Reconcile file totals to item statuses", "Reconcile clearing obligations to settlement", "Reconcile returns and customer postings" ], "owner": "Payment operations and finance control", "inputs": [ "Inbound file", "Acknowledgements", "Clearing output", "Settlement report", "Customer postings" ], "outputs": [ "Closed batch, open exception, and audit evidence" ], "interfaceContracts": [ "Multi-level reconciliation and break-management model" ], "controls": [ "File/group/item identifiers", "Count and value totals", "Aged-break ownership" ], "failureModes": [ "Missing output file", "Count/value mismatch", "Orphan return" ], "recovery": [ "Rebuild from immutable records", "Repair the affected item only", "Never rebatch a settled item blindly" ], "lenses": [ "data", "ledger", "controls", "ownership", "operations" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 17 and 23", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Participant reconciliation model", "label": "simplified-educational-illustration", "simplifications": "File and ledger structures vary by scheme and institution." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "dataClassification": [ "Payment, message, status, and operational metadata" ], "nonFunctionalRequirements": [ "Durable correlation through stable business and technical identifiers", "Capacity and availability matched to the service-level objective", "Auditable state changes, configuration, and operator actions" ] } ], "interfaces": [ { "id": "batch-e1", "from": "batch-originator", "to": "batch-ingestion", "title": "Authorised payment file", "kind": "file", "mode": "batch", "purpose": "Carry complete batch and item identifiers with control totals.", "messageIds": [ "pain-001", "pain-008" ], "failureBehaviour": "A partial or corrupt upload is not treated as an accepted batch.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment initiation messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e2", "from": "batch-ingestion", "to": "batch-mandate", "title": "Collection mandate check", "kind": "control", "mode": "batch", "purpose": "Validate authority for direct-debit items before scheduling.", "messageIds": [ "pain-008" ], "failureBehaviour": "A mandate failure is attached to the item and follows the scheme's file/item response model.", "evidence": [ { "ref": { "sourceId": "epc-sdd-core-rulebook", "locator": "Mandate controls", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD Core rulebook" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e3", "from": "batch-ingestion", "to": "batch-scheduler", "title": "Accepted credit items", "kind": "event", "mode": "batch", "purpose": "Schedule accepted credit-transfer items by value date and cut-off.", "failureBehaviour": "Late items receive an explicit next action rather than a hidden date change.", "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Batch scheduling", "label": "simplified-educational-illustration", "simplifications": "Scheme calendars and cut-offs remain current external rules." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e4", "from": "batch-mandate", "to": "batch-scheduler", "title": "Mandate-valid debit items", "kind": "event", "mode": "batch", "purpose": "Schedule authorised collections under scheme lead-time and sequence rules.", "messageIds": [ "pacs-003" ], "failureBehaviour": "Invalid mandate state prevents release.", "evidence": [ { "ref": { "sourceId": "epc-sdd-core-rulebook", "locator": "Collection lifecycle", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD Core rulebook" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e5", "from": "batch-scheduler", "to": "batch-clearing", "title": "Clearing batch", "kind": "file", "mode": "batch", "purpose": "Submit the release-ready batch with reconciled counts and value.", "messageIds": [ "pacs-008", "pacs-003" ], "failureBehaviour": "Unknown submission outcome is reconciled by file reference before retransmission.", "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 17 and 22", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e6", "from": "batch-clearing", "to": "batch-settlement", "title": "Net obligations", "kind": "settlement", "mode": "batch", "purpose": "Settle balanced participant obligations for the completed cycle.", "failureBehaviour": "Funding or obligation mismatch follows the documented default and cycle process.", "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4, 7, 8 and 13", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e7", "from": "batch-clearing", "to": "batch-receiver", "title": "Cleared items and statuses", "kind": "file", "mode": "batch", "purpose": "Deliver accepted customer items and precise rejects to receiving participants.", "messageIds": [ "pacs-008", "pacs-003", "pacs-002" ], "failureBehaviour": "A missing or duplicate output file is reconciled before posting.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Clearing and status message sets", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e8", "from": "batch-settlement", "to": "batch-receiver", "title": "Cycle settlement evidence", "kind": "event", "mode": "batch", "purpose": "Prove the participant settlement position used by posting policy.", "failureBehaviour": "Delayed evidence remains distinct from item acceptance.", "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principle 8", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e9", "from": "batch-receiver", "to": "batch-reconciliation", "title": "Postings, rejects, and returns", "kind": "file", "mode": "batch", "purpose": "Close each original item against customer and exception outcomes.", "messageIds": [ "pacs-002", "pacs-004", "camt-053", "camt-054" ], "failureBehaviour": "An unmatched return remains an exception and cannot alter an unrelated item.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Status, return, and reporting messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] }, { "id": "batch-e10", "from": "batch-ingestion", "to": "batch-reconciliation", "title": "Immutable intake totals", "kind": "event", "mode": "batch", "purpose": "Provide the original file, group, item, count, and value baseline.", "failureBehaviour": "If baseline integrity fails, the batch cannot be certified complete.", "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Batch reconciliation baseline", "label": "simplified-educational-illustration", "simplifications": "Internal storage and reconciliation technology differ by institution." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "lenses": [ "interfaces", "data", "ledger", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ] } ], "views": [ { "id": "context", "label": "Context", "plainPurpose": "Who depends on the architecture, which external service it reaches, and where value ultimately moves.", "nodeIds": [ "batch-originator", "batch-clearing", "batch-settlement", "batch-receiver" ], "interfaceIds": [ "batch-e6", "batch-e7", "batch-e8" ], "placements": { "batch-originator": { "x": 80, "y": 100, "width": 244, "height": 126 }, "batch-clearing": { "x": 444, "y": 100, "width": 244, "height": 126 }, "batch-settlement": { "x": 808, "y": 100, "width": 244, "height": 126 }, "batch-receiver": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "context-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "batch-originator", "batch-settlement", "batch-receiver" ], "kind": "ownership" } ] }, { "id": "container", "label": "Container", "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.", "nodeIds": [ "batch-ingestion", "batch-mandate", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e2", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "placements": { "batch-ingestion": { "x": 80, "y": 100, "width": 244, "height": 126 }, "batch-mandate": { "x": 444, "y": 100, "width": 244, "height": 126 }, "batch-clearing": { "x": 808, "y": 100, "width": 244, "height": 126 }, "batch-settlement": { "x": 80, "y": 326, "width": 244, "height": 126 }, "batch-receiver": { "x": 444, "y": 326, "width": 244, "height": 126 }, "batch-reconciliation": { "x": 808, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "container-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "batch-ingestion", "batch-mandate", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "kind": "ownership" } ] }, { "id": "component", "label": "Component", "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e2", "batch-e3", "batch-e4", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "placements": { "batch-originator": { "x": 80, "y": 100, "width": 196, "height": 126 }, "batch-ingestion": { "x": 376, "y": 100, "width": 196, "height": 126 }, "batch-mandate": { "x": 672, "y": 100, "width": 196, "height": 126 }, "batch-scheduler": { "x": 968, "y": 100, "width": 196, "height": 126 }, "batch-clearing": { "x": 80, "y": 326, "width": 196, "height": 126 }, "batch-settlement": { "x": 376, "y": 326, "width": 196, "height": 126 }, "batch-receiver": { "x": 672, "y": 326, "width": 196, "height": 126 }, "batch-reconciliation": { "x": 968, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "component-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "kind": "ownership" } ] }, { "id": "deployment", "label": "Deployment", "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.", "nodeIds": [ "batch-ingestion", "batch-clearing", "batch-settlement", "batch-receiver" ], "interfaceIds": [ "batch-e6", "batch-e7", "batch-e8" ], "placements": { "batch-ingestion": { "x": 80, "y": 100, "width": 244, "height": 126 }, "batch-clearing": { "x": 444, "y": 100, "width": 244, "height": 126 }, "batch-settlement": { "x": 808, "y": 100, "width": 244, "height": 126 }, "batch-receiver": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "deployment-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "batch-ingestion", "batch-settlement", "batch-receiver" ], "kind": "ownership" } ] } ], "traces": [ { "id": "batch-credit-trace", "label": "One payroll file through clearing and settlement", "summary": "Follow a pain.001 file from corporate approval through file validation, scheduling, clearing, net settlement, beneficiary posting, and multi-level reconciliation.", "viewId": "component", "steps": [ { "id": "batch-credit-trace-step-1", "title": "Corporate approves the payroll file", "nodeId": "batch-originator", "plainExplanation": "The originator supplies file, group, and transaction identifiers plus count and value totals.", "businessState": "File authorised", "messageIds": [ "pain-001" ] }, { "id": "batch-credit-trace-step-2", "title": "Bank accepts the immutable batch", "nodeId": "batch-ingestion", "interfaceId": "batch-e1", "plainExplanation": "Authentication, integrity, duplicate, schema/profile, count, and value checks pass.", "businessState": "File accepted", "controlEvidence": "File checksum, control totals, duplicate key" }, { "id": "batch-credit-trace-step-3", "title": "Items enter the permitted cycle", "nodeId": "batch-scheduler", "interfaceId": "batch-e3", "plainExplanation": "The current calendar, cut-off, and requested value date select the release window.", "businessState": "Scheduled" }, { "id": "batch-credit-trace-step-4", "title": "Clearing accepts eligible items", "nodeId": "batch-clearing", "interfaceId": "batch-e5", "plainExplanation": "File and item outcomes are returned without losing original identifiers.", "businessState": "Cleared", "messageIds": [ "pacs-008", "pacs-002" ] }, { "id": "batch-credit-trace-step-5", "title": "Net obligations settle", "nodeId": "batch-settlement", "interfaceId": "batch-e6", "plainExplanation": "The designated settlement ledger posts balanced participant obligations.", "businessState": "Cycle settled", "ledgerEffect": "Net participant debits and credits" }, { "id": "batch-credit-trace-step-6", "title": "Beneficiary items post", "nodeId": "batch-receiver", "interfaceId": "batch-e7", "plainExplanation": "Receiving institutions post accepted items once under their scheme and account controls.", "businessState": "Customer items posted" }, { "id": "batch-credit-trace-step-7", "title": "Every level reconciles", "nodeId": "batch-reconciliation", "interfaceId": "batch-e9", "plainExplanation": "File, group, transaction, clearing, settlement, customer, and return totals agree.", "businessState": "Batch closed" } ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pain.001, pacs.008, pacs.002 and reporting messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 8, 17 and 23", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ] } ], "stressCases": [ { "id": "batch-stress-file", "label": "Duplicate file with changed filename", "trigger": "The same business batch is uploaded again under a different transport filename.", "divergesAfterStepId": "batch-credit-trace-step-1", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-originator", "batch-ingestion", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e1", "batch-e10" ], "lastConfirmedState": "Original batch identity must be established before accepting the new upload.", "settlementState": "Depends on the original batch; the duplicate itself has no separate settlement authority.", "fundsState": "Do not create a second set of customer or settlement postings.", "owner": "Corporate channel and batch operations", "safeAction": "Compare business identifiers, control totals, and content checksum; reject or hold the duplicate under the channel contract.", "requiredEvidence": [ "File and group identifiers", "Content checksum", "Counts and value", "Original status" ], "recoverySteps": [ "Establish original outcome", "Return duplicate status", "Submit a corrected batch only under the documented correction process" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Duplicate-file control", "label": "simplified-educational-illustration", "simplifications": "Duplicate keys and correction conventions depend on channel and scheme." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] }, { "id": "batch-stress-funding", "label": "Participant cannot fund net obligation", "trigger": "The clearing cycle calculates a debit obligation the participant cannot settle.", "divergesAfterStepId": "batch-credit-trace-step-4", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-clearing", "batch-settlement", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e6", "batch-e8" ], "lastConfirmedState": "Items cleared; cycle settlement not final.", "settlementState": "Not settled until the default or liquidity process completes.", "fundsState": "Customer availability must follow the scheme's provisional/final treatment and participant policy.", "owner": "Clearing operator, settlement institution, and participant treasury", "safeAction": "Apply the documented funding, default, or unwind process; do not edit obligations manually.", "requiredEvidence": [ "Accepted cycle inputs", "Net obligation", "Funding position", "Default-rule decision" ], "recoverySteps": [ "Fund or apply default process", "Recalculate if the rules require", "Distribute final outcomes and reconcile" ], "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4, 7, 8 and 13", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ] }, { "id": "batch-stress-return", "label": "Return cannot match the original item", "trigger": "A receiving participant sends a return with missing or inconsistent original references.", "divergesAfterStepId": "batch-credit-trace-step-6", "traceId": "batch-credit-trace", "affectedNodeIds": [ "batch-receiver", "batch-reconciliation" ], "affectedInterfaceIds": [ "batch-e9" ], "lastConfirmedState": "Original item settled and posted or rejected; return identity is uncertain.", "settlementState": "Original cycle settlement remains final; return is a new linked transaction when valid.", "fundsState": "No customer recredit or debit occurs until the return is matched and authorised.", "owner": "Payment reconciliation and exceptions operations", "safeAction": "Hold the return in an exception queue and match by permitted original references and value evidence.", "requiredEvidence": [ "Original transaction identifiers", "Amount and currency", "Return reason", "Participant and settlement references" ], "recoverySteps": [ "Resolve the match", "Post the return once", "Escalate or reject an unresolvable return under scheme rules" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pacs.004 original-transaction references", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ] } ], "overlays": [ { "id": "batch-overlay-step2", "label": "SEPA SCT / STEP2", "summary": "Maps pain.001 intake, EPC SCT profile, STEP2 clearing cycles, settlement, participant posting, and pacs.002/pacs.004 outcomes.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e3", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "relatedFlowIds": [ "flow-sct", "flow-step2-sct", "flow-sepa-indirect-participant" ], "evidence": [ { "ref": { "sourceId": "epc-sct-rulebook", "locator": "SCT rulebook", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SCT rulebook" }, { "ref": { "sourceId": "epc-sct-ig", "locator": "SCT implementation guidelines", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SCT implementation guidelines" }, { "ref": { "sourceId": "eba-clearing-systems", "locator": "STEP2 and EURO1 public system context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EBA CLEARING public material" } ] }, { "id": "batch-overlay-sdd", "label": "SEPA Direct Debit Core / B2B", "summary": "Adds mandate, sequence, collection, reject, return, refund, and B2B mandate-confirmation distinctions.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e2", "batch-e3", "batch-e4", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "relatedFlowIds": [ "flow-sdd-core", "flow-sdd-b2b" ], "evidence": [ { "ref": { "sourceId": "epc-sdd-core-rulebook", "locator": "SDD Core rulebook", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD Core rulebook" }, { "ref": { "sourceId": "epc-sdd-b2b-rulebook", "locator": "SDD B2B rulebook", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SDD B2B rulebook" } ] }, { "id": "batch-overlay-bacs", "label": "Bacs Direct Credit / Direct Debit", "summary": "Maps file submission, processing-day controls, clearing, settlement, customer posting, and unpaid/return handling to the Bacs context.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e2", "batch-e3", "batch-e4", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "relatedFlowIds": [ "flow-bacs-direct-credit", "flow-bacs-direct-debit" ], "evidence": [ { "ref": { "sourceId": "pay-uk-bacs", "locator": "Bacs public service material", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Pay.UK Bacs material" } ] }, { "id": "batch-overlay-ach", "label": "US ACH", "summary": "Maps originated entries, operator processing, settlement, receiving-bank posting, returns, and reconciliation to the ACH context; current Nacha rules remain authoritative.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e2", "batch-e3", "batch-e4", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "relatedFlowIds": [ "flow-ach" ], "evidence": [ { "ref": { "sourceId": "nacha-operating-rules", "locator": "ACH operating-rule access point", "label": "official-requirement", "simplifications": "Detailed rules may require authorised access and are not reproduced." }, "verifiedDate": "2026-07-23", "versionContext": "Current Nacha Operating Rules" } ] }, { "id": "batch-overlay-global", "label": "Global batch and net-clearing systems", "summary": "Specialises file or cycle intake, validation, clearing, net settlement, receiver posting, returns, and reconciliation from public domestic-system material.", "nodeIds": [ "batch-originator", "batch-ingestion", "batch-mandate", "batch-scheduler", "batch-clearing", "batch-settlement", "batch-receiver", "batch-reconciliation" ], "interfaceIds": [ "batch-e1", "batch-e2", "batch-e3", "batch-e4", "batch-e5", "batch-e6", "batch-e7", "batch-e8", "batch-e9", "batch-e10" ], "relatedFlowIds": [ "flow-in-neft", "flow-in-nach", "flow-jp-zengin" ], "evidence": [ { "ref": { "sourceId": "rbi-payment-systems", "locator": "NEFT and NACH public context", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Reserve Bank of India public material" }, { "ref": { "sourceId": "zengin-net", "locator": "Zengin System public description", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current Zengin-Net public material" } ], "coverageGap": "File layouts, cycle schedules, return rights, mandate treatment, limits, and participant settlement rules require each operator's current implementation and operating documentation." } ], "decisions": [ { "id": "batch-decision-atomicity", "question": "Should a file fail as one unit or allow item-level acceptance?", "options": [ { "label": "Atomic file", "consequence": "Simple control totals and correction, but one bad item can delay every valid item." }, { "label": "Item-level acceptance", "consequence": "More valid payments proceed, but status, correction, and reconciliation become more complex." } ], "guidance": "Follow the channel and scheme contract. Record both file and item states so neither acceptance model produces invisible gaps.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Group and transaction status structures", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" } ] }, { "id": "batch-decision-posting", "question": "When should customer postings follow a net cycle?", "options": [ { "label": "After final cycle settlement", "consequence": "Clear settlement evidence but later availability." }, { "label": "Provisional or risk-based posting", "consequence": "Earlier availability with explicit participant credit and reversal exposure." } ], "guidance": "Separate clearing acceptance, settlement finality, and customer posting in the state model even if a rail normally makes them appear together.", "evidence": [ { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles 4 and 8", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Participant customer-posting timing", "label": "simplified-educational-illustration", "simplifications": "Scheme and participant rules determine the permitted timing." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] } ], "targets": [ { "type": "flow", "id": "flow-sct" }, { "type": "flow", "id": "flow-step2-sct" }, { "type": "flow", "id": "flow-sepa-indirect-participant" }, { "type": "flow", "id": "flow-sdd-core" }, { "type": "flow", "id": "flow-sdd-b2b" }, { "type": "flow", "id": "flow-bacs-direct-credit" }, { "type": "flow", "id": "flow-bacs-direct-debit" }, { "type": "flow", "id": "flow-ach" }, { "type": "flow", "id": "flow-in-neft" }, { "type": "flow", "id": "flow-in-nach" }, { "type": "flow", "id": "flow-jp-zengin" }, { "type": "message", "id": "pain-001" }, { "type": "message", "id": "pain-002" }, { "type": "message", "id": "pain-008" }, { "type": "message", "id": "pacs-008" }, { "type": "message", "id": "pacs-003" }, { "type": "message", "id": "pacs-002" }, { "type": "message", "id": "pacs-004" }, { "type": "message", "id": "camt-052" }, { "type": "message", "id": "camt-053" }, { "type": "message", "id": "camt-054" }, { "type": "resource", "id": "epc-sct-rulebook-current" }, { "type": "resource", "id": "epc-sct-inter-psp-guidelines" }, { "type": "resource", "id": "epc-sdd-core-rulebook-current" }, { "type": "resource", "id": "epc-sdd-core-guidelines" }, { "type": "resource", "id": "epc-sdd-b2b-rulebook-current" }, { "type": "resource", "id": "epc-sdd-b2b-guidelines" }, { "type": "resource", "id": "implementation-pack-sepa-credit" }, { "type": "resource", "id": "implementation-pack-sepa-direct-debit" } ], "glossaryTermIds": [ "ach", "batch-processing", "direct-debit", "mandate", "net-settlement", "return" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment initiation, clearing, status, return, and reporting messages", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message catalogue" }, { "ref": { "sourceId": "bis-cpmi-pfmi", "locator": "Principles relevant to clearing and settlement", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "CPMI-IOSCO Principles for financial market infrastructures" } ], "simplifies": "The blueprint combines recurring batch responsibilities across credit transfers, automated clearing house entries, and direct debits. File formats, submission windows, mandate law, return and refund rights, clearing cycles, settlement timing, and provisional posting differ by rail and current rulebook." }, "sources": [ { "id": "iso20022-catalogue", "publisher": "ISO 20022 Registration Authority", "title": "ISO 20022 Catalogue of messages", "sourceType": "official-standard", "accessedDate": "2026-07-12", "url": "https://www.iso20022.org/catalogue-messages", "applicability": "Defines the current versions of all ISO 20022 message definitions, including the pain, pacs, and camt messages taught on this site.", "notes": "Each message set is described by a Message Definition Report; earlier versions remain available in the ISO 20022 messages archive." }, { "id": "bis-cpmi-pfmi", "publisher": "CPMI and IOSCO (Bank for International Settlements)", "title": "Principles for financial market infrastructures", "sourceType": "industry-paper", "publicationDate": "2012-04-16", "accessedDate": "2026-07-12", "url": "https://www.bis.org/cpmi/publ/d101.htm", "applicability": "International risk-management standards for systemically important payment systems and other financial market infrastructures.", "notes": "Published by the CPSS (now CPMI) and IOSCO; contains 24 principles plus responsibilities for authorities. This site uses it only for high-level concepts such as settlement finality." }, { "id": "payments-signal-editorial", "publisher": "Payments Signal", "title": "Payments Signal editorial teaching models", "sourceType": "educational-simplification", "accessedDate": "2026-07-12", "applicability": "This site's own simplified teaching models.", "notes": "Used wherever diagrams, scenarios, figures, or example values are didactic constructions rather than sourced facts; every such use carries a simplifications disclosure. All people, companies, banks, and list entries in examples are fictional." }, { "id": "epc-sdd-core-rulebook", "publisher": "European Payments Council", "title": "2025 SEPA Direct Debit Core rulebook version 1.1 (EPC016-06)", "sourceType": "scheme-rulebook", "documentVersion": "2025 v1.1 (EPC016-06)", "effectiveDate": "2025-10-05", "accessedDate": "2026-07-13", "url": "https://www.europeanpaymentscouncil.eu/document-library/rulebooks/2025-sepa-direct-debit-core-rulebook-version-11", "applicability": "Rules of the SEPA Direct Debit Core scheme: mandates, collection lifecycle, timelines, R-transactions, and refund rights." }, { "id": "epc-sdd-b2b-rulebook", "publisher": "European Payments Council", "title": "2025 SEPA Direct Debit Business-to-Business rulebook version 1.1 (EPC222-07)", "sourceType": "scheme-rulebook", "documentVersion": "2025 v1.1 (EPC222-07)", "effectiveDate": "2025-10-05", "accessedDate": "2026-07-13", "url": "https://www.europeanpaymentscouncil.eu/sites/default/files/kb/file/2025-10/EPC222-07%202025%20SDD%20B2B%20Rulebook%20version%201.1.pdf", "applicability": "Rules of the SDD Business-to-Business scheme, including mandatory debtor-bank mandate checking and the absence of a refund right for authorised collections." } ], "relatedContent": [ { "type": "article", "label": "ACK, NACK, and the Payment Status Report (pacs.002)", "href": "/2026/07/13/ack-nack-and-payment-status-report", "coverage": "derived" }, { "type": "article", "label": "Australia's NPP and Distributed Clearing", "href": "/2026/07/13/australia-npp-and-distributed-clearing", "coverage": "derived" }, { "type": "article", "label": "Batch and file-based payments", "href": "/2026/07/13/batch-and-file-payments", "coverage": "derived" }, { "type": "article", "label": "BIC versus LEI: payment reference data", "href": "/2026/07/13/bic-vs-lei-reference-data", "coverage": "derived" }, { "type": "article", "label": "CBPR+: ISO 20022 for cross-border payments", "href": "/2026/07/13/cbpr-plus-cross-border-iso20022", "coverage": "derived" }, { "type": "article", "label": "CGI-MP: Common ISO 20022 Practice for Corporates", "href": "/2026/07/13/cgi-mp-corporate-iso20022", "coverage": "derived" }, { "type": "article", "label": "Confirmation of Payee (UK)", "href": "/2026/07/13/confirmation-of-payee-uk", "coverage": "derived" }, { "type": "article", "label": "Confirmation of Payee and APP fraud", "href": "/2026/07/18/confirmation-of-payee-and-app-fraud", "coverage": "derived" }, { "type": "article", "label": "Domestic Payment Schemes in the UK – Part 2", "href": "/2026/07/13/domestic-payment-schemes-in-the-uk-part-2", "coverage": "derived" }, { "type": "article", "label": "FINplus and Browse", "href": "/2026/07/13/finplus-and-browse", "coverage": "derived" }, { "type": "article", "label": "High-value payments and HVPS+", "href": "/2026/07/13/high-value-payments-and-hvps-plus", "coverage": "derived" }, { "type": "article", "label": "India's RTGS, NEFT and NACH", "href": "/2026/07/13/india-rtgs-neft-nach", "coverage": "derived" }, { "type": "article", "label": "Introduction to SEPA", "href": "/2026/07/13/introduction-to-sepa", "coverage": "derived" }, { "type": "article", "label": "Japan's BOJ-NET and the Zengin System", "href": "/2026/07/13/japan-bojnet-and-zengin", "coverage": "derived" }, { "type": "article", "label": "One corporate payment: the full MX lifecycle and its MT migration path", "href": "/2026/07/18/corporate-payment-full-message-lifecycle", "coverage": "derived" }, { "type": "article", "label": "Other Payment Message Standards Beyond SWIFT", "href": "/2026/07/13/other-payment-message-standards", "coverage": "derived" }, { "type": "article", "label": "Payment exceptions and investigations", "href": "/2026/07/13/payment-exceptions-and-investigations", "coverage": "derived" }, { "type": "article", "label": "Payment transparency and wire stripping", "href": "/2026/07/13/payment-transparency-and-wire-stripping", "coverage": "derived" }, { "type": "article", "label": "Proxy and alias addressing", "href": "/2026/07/13/proxy-and-alias-addressing", "coverage": "derived" }, { "type": "article", "label": "Purpose codes in payments", "href": "/2026/07/13/purpose-codes-in-payments", "coverage": "derived" }, { "type": "article", "label": "Request to Pay and e-mandates", "href": "/2026/07/13/request-to-pay-and-e-mandates", "coverage": "derived" }, { "type": "article", "label": "Request to Pay versus SEPA Direct Debit", "href": "/2026/07/18/request-to-pay-vs-direct-debit", "coverage": "derived" }, { "type": "article", "label": "Request to Pay, explained", "href": "/2026/07/18/request-to-pay-explained", "coverage": "derived" }, { "type": "article", "label": "Reversals, returns, recalls, and cancellations", "href": "/2026/07/13/reversals-returns-and-cancellations", "coverage": "derived" }, { "type": "article", "label": "Sanctions evasion typologies", "href": "/2026/07/13/sanctions-evasion-typologies", "coverage": "derived" }, { "type": "article", "label": "Screening the payment message", "href": "/2026/07/13/screening-the-payment-message", "coverage": "derived" }, { "type": "article", "label": "SEPA Clearing and Settlement", "href": "/2026/07/13/sepa-clearing-and-settlement", "coverage": "derived" }, { "type": "article", "label": "SEPA credit transfer – Four Corner model", "href": "/2026/07/13/sct-four-corner-model", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Happy Path", "href": "/2026/07/13/sct-happy-path", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Payment Timelines", "href": "/2026/07/13/sepa-credit-transfer-payment-timelines", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Recall Flow", "href": "/2026/07/13/sct-recall-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Credit Transfer – Reject Flow", "href": "/2026/07/13/sct-reject-flow", "coverage": "derived" }, { "type": "article", "label": "Sepa Credit Transfer – Return Flow", "href": "/2026/07/13/sct-return-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit core", "href": "/2026/07/13/sepa-direct-debit-core", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit exceptions and refunds", "href": "/2026/07/13/sepa-direct-debit-exceptions", "coverage": "derived" }, { "type": "article", "label": "SEPA Direct Debit: B2B versus Core", "href": "/2026/07/13/sepa-direct-debit-b2b-vs-core", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Happy Path Flow", "href": "/2026/07/13/sepa-instant-happy-path-flow", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant – Introduction", "href": "/2026/07/13/sepa-instant-introduction", "coverage": "derived" }, { "type": "article", "label": "SEPA Instant R-Message flows", "href": "/2026/07/13/sepa-instant-r-message-flows", "coverage": "derived" }, { "type": "article", "label": "SEPA Payment Messages", "href": "/2026/07/13/sepa-payment-messages", "coverage": "derived" }, { "type": "article", "label": "SEPA Payments Schemes", "href": "/2026/07/13/sepa-payments-schemes", "coverage": "derived" }, { "type": "article", "label": "SEPA stakeholders", "href": "/2026/07/13/sepa-stakeholders", "coverage": "derived" }, { "type": "article", "label": "Serial and cover in ISO 20022: pacs.008 and pacs.009 COV", "href": "/2026/07/13/iso-20022-serial-and-cover", "coverage": "derived" }, { "type": "article", "label": "Settlement through central banks", "href": "/2026/07/13/settlement-through-central-banks", "coverage": "derived" }, { "type": "article", "label": "STEP2: the pan-European ACH", "href": "/2026/07/13/step2-pan-european-ach", "coverage": "derived" }, { "type": "article", "label": "Structured and hybrid addresses in ISO 20022", "href": "/2026/07/13/structured-and-hybrid-addresses-iso20022", "coverage": "derived" }, { "type": "article", "label": "Structured remittance information", "href": "/2026/07/13/structured-remittance-information", "coverage": "derived" }, { "type": "article", "label": "SWIFT Cancellations and Investigation Messages", "href": "/2026/07/13/swift-cancellations-and-investigation-messages", "coverage": "derived" }, { "type": "article", "label": "SWIFT financial-institution funds transfers", "href": "/2026/07/13/swift-financial-institution-funds-transfers", "coverage": "derived" }, { "type": "article", "label": "SWIFT investigation and exception messages", "href": "/2026/07/13/swift-investigation-and-exception-messages", "coverage": "derived" }, { "type": "article", "label": "The Business Application Header (BAH)", "href": "/2026/07/13/the-business-application-header", "coverage": "derived" }, { "type": "article", "label": "The camt family: cash management and reporting", "href": "/2026/07/13/camt-cash-management-messages", "coverage": "derived" }, { "type": "article", "label": "The ISO 20022 message model", "href": "/2026/07/13/iso-20022-message-model", "coverage": "derived" }, { "type": "article", "label": "The pain.001 payment initiation", "href": "/2026/07/13/the-pain-001-payment-initiation", "coverage": "derived" }, { "type": "article", "label": "Trade-Based Money Laundering: Value Hidden in Trade", "href": "/2026/07/13/trade-based-money-laundering", "coverage": "derived" }, { "type": "article", "label": "Translating MT to MX", "href": "/2026/07/13/mt-to-mx-translation", "coverage": "derived" }, { "type": "article", "label": "US ACH and National Settlement", "href": "/2026/07/13/us-ach-and-national-settlement", "coverage": "derived" }, { "type": "article", "label": "Verification of Payee", "href": "/2026/07/13/sepa-verification-of-payee", "coverage": "derived" }, { "type": "article", "label": "What a payment declares about itself — and who carries it", "href": "/2026/07/16/iso-20022-payment-codes-and-agents", "coverage": "derived" }, { "type": "flow", "label": "Bacs Direct Credit", "href": "/explore/bacs-direct-credit", "coverage": "direct" }, { "type": "flow", "label": "Bacs Direct Debit", "href": "/explore/bacs-direct-debit", "coverage": "direct" }, { "type": "flow", "label": "India NACH Debit", "href": "/explore/in-nach", "coverage": "direct" }, { "type": "flow", "label": "India NEFT", "href": "/explore/in-neft", "coverage": "direct" }, { "type": "flow", "label": "Japan Zengin System", "href": "/explore/jp-zengin", "coverage": "direct" }, { "type": "flow", "label": "SEPA Credit Transfer", "href": "/explore/sct", "coverage": "direct" }, { "type": "flow", "label": "SEPA Credit Transfer through STEP2-T", "href": "/explore/step2-sct", "coverage": "direct" }, { "type": "flow", "label": "SEPA Direct Debit — B2B", "href": "/explore/sdd-b2b", "coverage": "direct" }, { "type": "flow", "label": "SEPA Direct Debit — Core", "href": "/explore/sdd-core", "coverage": "direct" }, { "type": "flow", "label": "SEPA SCT through an indirect participant", "href": "/explore/sepa-indirect-participant", "coverage": "direct" }, { "type": "flow", "label": "US ACH Network — direct deposit", "href": "/explore/ach", "coverage": "direct" }, { "type": "glossary", "label": "Account information service provider (AISP)", "href": "/glossary#aisp", "coverage": "derived" }, { "type": "glossary", "label": "Account servicing payment service provider (ASPSP)", "href": "/glossary#aspsp", "coverage": "derived" }, { "type": "glossary", "label": "ANSI X12 (X12/820)", "href": "/glossary#ansi-x12", "coverage": "derived" }, { "type": "glossary", "label": "BACS Standard 18", "href": "/glossary#bacs-standard-18", "coverage": "derived" }, { "type": "glossary", "label": "Business Application Header", "href": "/glossary#business-application-header", "coverage": "derived" }, { "type": "glossary", "label": "camt family", "href": "/glossary#camt", "coverage": "derived" }, { "type": "glossary", "label": "camt.029", "href": "/glossary#camt-029", "coverage": "derived" }, { "type": "glossary", "label": "camt.056", "href": "/glossary#camt-056", "coverage": "derived" }, { "type": "glossary", "label": "CBPR+", "href": "/glossary#cbpr-plus", "coverage": "derived" }, { "type": "glossary", "label": "CGI-MP (Common Global Implementation – Market Practice)", "href": "/glossary#cgi-mp", "coverage": "derived" }, { "type": "glossary", "label": "Clearing", "href": "/glossary#clearing", "coverage": "derived" }, { "type": "glossary", "label": "Clearing house", "href": "/glossary#clearing-house", "coverage": "derived" }, { "type": "glossary", "label": "Collection request", "href": "/glossary#collection-request", "coverage": "derived" }, { "type": "glossary", "label": "CSM", "href": "/glossary#csm", "coverage": "derived" }, { "type": "glossary", "label": "Decoupled authentication", "href": "/glossary#decoupled-sca", "coverage": "derived" }, { "type": "glossary", "label": "Direct participant", "href": "/glossary#direct-participant", "coverage": "derived" }, { "type": "glossary", "label": "EPC", "href": "/glossary#epc", "coverage": "derived" }, { "type": "glossary", "label": "HVPS+", "href": "/glossary#hvps-plus", "coverage": "derived" }, { "type": "glossary", "label": "IBAN", "href": "/glossary#iban", "coverage": "derived" }, { "type": "glossary", "label": "Indirect participant", "href": "/glossary#indirect-participant", "coverage": "derived" }, { "type": "glossary", "label": "Input credit file", "href": "/glossary#input-credit-file", "coverage": "derived" }, { "type": "glossary", "label": "Instant payment", "href": "/glossary#instant-payment", "coverage": "derived" }, { "type": "glossary", "label": "ISO 20022", "href": "/glossary#iso-20022", "coverage": "derived" }, { "type": "glossary", "label": "ISO 8583", "href": "/glossary#iso-8583", "coverage": "derived" }, { "type": "glossary", "label": "LEI", "href": "/glossary#lei", "coverage": "derived" }, { "type": "glossary", "label": "Mandate", "href": "/glossary#mandate", "coverage": "derived" }, { "type": "glossary", "label": "MX message", "href": "/glossary#mx-message", "coverage": "derived" }, { "type": "glossary", "label": "pacs family", "href": "/glossary#pacs", "coverage": "derived" }, { "type": "glossary", "label": "pacs.002", "href": "/glossary#pacs-002", "coverage": "derived" }, { "type": "glossary", "label": "pacs.004", "href": "/glossary#pacs-004", "coverage": "derived" }, { "type": "glossary", "label": "pacs.008", "href": "/glossary#pacs-008", "coverage": "derived" }, { "type": "glossary", "label": "pacs.009", "href": "/glossary#pacs-009", "coverage": "derived" }, { "type": "glossary", "label": "pain family", "href": "/glossary#pain", "coverage": "derived" }, { "type": "glossary", "label": "pain.001", "href": "/glossary#pain-001", "coverage": "derived" }, { "type": "glossary", "label": "Payment initiation service (PIS)", "href": "/glossary#payment-initiation-service", "coverage": "derived" }, { "type": "glossary", "label": "Payment initiation service provider (PISP)", "href": "/glossary#pisp", "coverage": "derived" }, { "type": "glossary", "label": "Payment request", "href": "/glossary#payment-request", "coverage": "derived" }, { "type": "glossary", "label": "R-transaction", "href": "/glossary#r-transaction", "coverage": "derived" }, { "type": "glossary", "label": "Recall", "href": "/glossary#recall", "coverage": "derived" }, { "type": "glossary", "label": "Redirect authentication", "href": "/glossary#redirect-sca", "coverage": "derived" }, { "type": "glossary", "label": "Reject", "href": "/glossary#reject", "coverage": "derived" }, { "type": "glossary", "label": "Return", "href": "/glossary#return", "coverage": "derived" }, { "type": "glossary", "label": "SCT", "href": "/glossary#sct", "coverage": "derived" }, { "type": "glossary", "label": "SCT Inst", "href": "/glossary#sct-inst", "coverage": "derived" }, { "type": "glossary", "label": "SDD", "href": "/glossary#sdd", "coverage": "derived" }, { "type": "glossary", "label": "SEPA", "href": "/glossary#sepa", "coverage": "derived" }, { "type": "glossary", "label": "SEPA Request-to-Pay (SRTP)", "href": "/glossary#srtp", "coverage": "derived" }, { "type": "glossary", "label": "Settlement", "href": "/glossary#settlement", "coverage": "derived" }, { "type": "glossary", "label": "Settlement finality", "href": "/glossary#settlement-finality", "coverage": "derived" }, { "type": "glossary", "label": "Third-party provider (TPP)", "href": "/glossary#third-party-provider", "coverage": "derived" }, { "type": "glossary", "label": "UN/EDIFACT", "href": "/glossary#edifact", "coverage": "derived" }, { "type": "glossary", "label": "Verification of Payee", "href": "/glossary#verification-of-payee", "coverage": "derived" }, { "type": "mapping", "label": "MT101 → pain.001", "href": "/messages/mappings/mt101-to-pain-001", "coverage": "direct" }, { "type": "mapping", "label": "MT103 /REJT/ convention → pacs.002", "href": "/messages/mappings/mt103-reject-to-pacs-002", "coverage": "direct" }, { "type": "mapping", "label": "MT103 /RETN/ convention → pacs.004", "href": "/messages/mappings/mt103-return-to-pacs-004", "coverage": "direct" }, { "type": "mapping", "label": "MT103 → pacs.008", "href": "/messages/mappings/mt103-to-pacs-008", "coverage": "direct" }, { "type": "mapping", "label": "MT900 → camt.054", "href": "/messages/mappings/mt900-to-camt-054", "coverage": "direct" }, { "type": "mapping", "label": "MT910 → camt.054", "href": "/messages/mappings/mt910-to-camt-054", "coverage": "direct" }, { "type": "mapping", "label": "MT940 → camt.053", "href": "/messages/mappings/mt940-to-camt-053", "coverage": "direct" }, { "type": "mapping", "label": "MT941 → camt.052", "href": "/messages/mappings/mt941-to-camt-052", "coverage": "direct" }, { "type": "mapping", "label": "MT942 → camt.052", "href": "/messages/mappings/mt942-to-camt-052", "coverage": "direct" }, { "type": "mapping", "label": "MT950 → camt.053", "href": "/messages/mappings/mt950-to-camt-053", "coverage": "direct" }, { "type": "message", "label": "camt.052 — camt.052 — Bank-to-Customer Account Report", "href": "/messages/camt-052", "coverage": "direct" }, { "type": "message", "label": "camt.053 — camt.053 — Bank-to-Customer Statement", "href": "/messages/camt-053", "coverage": "direct" }, { "type": "message", "label": "camt.054 — camt.054 — Bank-to-Customer Debit/Credit Notification", "href": "/messages/camt-054", "coverage": "direct" }, { "type": "message", "label": "pacs.002 — pacs.002 — FI to FI Payment Status Report", "href": "/messages/pacs-002", "coverage": "direct" }, { "type": "message", "label": "pacs.003 — pacs.003 — FI to FI Customer Direct Debit", "href": "/messages/pacs-003", "coverage": "direct" }, { "type": "message", "label": "pacs.004 — pacs.004 — Payment Return", "href": "/messages/pacs-004", "coverage": "direct" }, { "type": "message", "label": "pacs.008 — pacs.008 — FI to FI Customer Credit Transfer", "href": "/messages/pacs-008", "coverage": "direct" }, { "type": "message", "label": "pain.001 — pain.001 — Customer Credit Transfer Initiation", "href": "/messages/pain-001", "coverage": "direct" }, { "type": "message", "label": "pain.002 — pain.002 — Customer Payment Status Report", "href": "/messages/pain-002", "coverage": "direct" }, { "type": "message", "label": "pain.008 — pain.008 — Customer Direct Debit Initiation", "href": "/messages/pain-008", "coverage": "direct" }, { "type": "resource", "label": "camt.052 field matrix", "href": "/downloads/assets/field-matrix-camt-052", "coverage": "derived" }, { "type": "resource", "label": "camt.052 intraday account report — raw XML", "href": "/downloads/samples/camt-052", "coverage": "derived" }, { "type": "resource", "label": "camt.053 account statement — raw XML", "href": "/downloads/samples/camt-053", "coverage": "derived" }, { "type": "resource", "label": "camt.053 field matrix", "href": "/downloads/assets/field-matrix-camt-053", "coverage": "derived" }, { "type": "resource", "label": "camt.054 debit notification — raw XML", "href": "/downloads/samples/camt-054", "coverage": "derived" }, { "type": "resource", "label": "camt.054 field matrix", "href": "/downloads/assets/field-matrix-camt-054", "coverage": "derived" }, { "type": "resource", "label": "CBPR+ implementation pack", "href": "/downloads/profile-packs/cbpr-plus", "coverage": "direct" }, { "type": "resource", "label": "CBPR+ usage guidelines", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "CHAPS and RTGS ISO 20022 handbook and schema access", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "CHAPS RTGS implementation pack", "href": "/downloads/profile-packs/chaps", "coverage": "direct" }, { "type": "resource", "label": "CHAPS RTGS implementation pack acceptance criteria", "href": "/downloads/assets/chaps-acceptance-criteria", "coverage": "derived" }, { "type": "resource", "label": "CHAPS RTGS implementation pack BA checklist", "href": "/downloads/assets/chaps-ba-checklist", "coverage": "derived" }, { "type": "resource", "label": "CHAPS RTGS implementation pack field and process matrix", "href": "/downloads/assets/chaps-profile-rules", "coverage": "derived" }, { "type": "resource", "label": "CHAPS RTGS implementation pack migration notes", "href": "/downloads/assets/chaps-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "CHAPS RTGS implementation pack restricted and release-specific gaps", "href": "/downloads/assets/chaps-coverage-gaps", "coverage": "derived" }, { "type": "resource", "label": "CHAPS RTGS implementation pack test cases", "href": "/downloads/assets/chaps-test-cases", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack", "href": "/downloads/profile-packs/chips", "coverage": "direct" }, { "type": "resource", "label": "CHIPS implementation pack acceptance criteria", "href": "/downloads/assets/chips-acceptance-criteria", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack BA checklist", "href": "/downloads/assets/chips-ba-checklist", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack field and process matrix", "href": "/downloads/assets/chips-profile-rules", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack migration notes", "href": "/downloads/assets/chips-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack restricted and release-specific gaps", "href": "/downloads/assets/chips-coverage-gaps", "coverage": "derived" }, { "type": "resource", "label": "CHIPS implementation pack test cases", "href": "/downloads/assets/chips-test-cases", "coverage": "derived" }, { "type": "resource", "label": "CHIPS ISO 20022 usage-guideline resources and rules", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "Corporate MX positive lifecycle — ZIP pack", "href": "/downloads/packs/corporate-mx-positive", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack", "href": "/downloads/profile-packs/fedwire", "coverage": "direct" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack acceptance criteria", "href": "/downloads/assets/fedwire-acceptance-criteria", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack BA checklist", "href": "/downloads/assets/fedwire-ba-checklist", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack field and process matrix", "href": "/downloads/assets/fedwire-profile-rules", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack migration notes", "href": "/downloads/assets/fedwire-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack restricted and release-specific gaps", "href": "/downloads/assets/fedwire-coverage-gaps", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service implementation pack test cases", "href": "/downloads/assets/fedwire-test-cases", "coverage": "derived" }, { "type": "resource", "label": "Fedwire Funds Service ISO 20022 implementation and technical documents", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "High-value payments implementation pack", "href": "/downloads/profile-packs/high-value", "coverage": "direct" }, { "type": "resource", "label": "HVPS+ usage guidelines", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "ISO 20022 message definitions and XSDs", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "MT to MX migration notes", "href": "/downloads/assets/mt-mx-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "MT101 → pain.001 implementation mapping", "href": "/downloads/assets/mapping-mt101-to-pain-001", "coverage": "derived" }, { "type": "resource", "label": "MT101 field matrix", "href": "/downloads/assets/field-matrix-mt101", "coverage": "derived" }, { "type": "resource", "label": "MT103 /REJT/ convention → pacs.002 implementation mapping", "href": "/downloads/assets/mapping-mt103-reject-to-pacs-002", "coverage": "derived" }, { "type": "resource", "label": "MT103 /RETN/ convention → pacs.004 implementation mapping", "href": "/downloads/assets/mapping-mt103-return-to-pacs-004", "coverage": "derived" }, { "type": "resource", "label": "MT103 → pacs.008 implementation mapping", "href": "/downloads/assets/mapping-mt103-to-pacs-008", "coverage": "derived" }, { "type": "resource", "label": "MT103 field matrix", "href": "/downloads/assets/field-matrix-mt103", "coverage": "derived" }, { "type": "resource", "label": "MT900 → camt.054 implementation mapping", "href": "/downloads/assets/mapping-mt900-to-camt-054", "coverage": "derived" }, { "type": "resource", "label": "MT900 field matrix", "href": "/downloads/assets/field-matrix-mt900", "coverage": "derived" }, { "type": "resource", "label": "MT910 → camt.054 implementation mapping", "href": "/downloads/assets/mapping-mt910-to-camt-054", "coverage": "derived" }, { "type": "resource", "label": "MT910 field matrix", "href": "/downloads/assets/field-matrix-mt910", "coverage": "derived" }, { "type": "resource", "label": "MT940 → camt.053 implementation mapping", "href": "/downloads/assets/mapping-mt940-to-camt-053", "coverage": "derived" }, { "type": "resource", "label": "MT940 field matrix", "href": "/downloads/assets/field-matrix-mt940", "coverage": "derived" }, { "type": "resource", "label": "MT941 → camt.052 implementation mapping", "href": "/downloads/assets/mapping-mt941-to-camt-052", "coverage": "derived" }, { "type": "resource", "label": "MT941 field matrix", "href": "/downloads/assets/field-matrix-mt941", "coverage": "derived" }, { "type": "resource", "label": "MT942 → camt.052 implementation mapping", "href": "/downloads/assets/mapping-mt942-to-camt-052", "coverage": "derived" }, { "type": "resource", "label": "MT942 field matrix", "href": "/downloads/assets/field-matrix-mt942", "coverage": "derived" }, { "type": "resource", "label": "MT950 → camt.053 implementation mapping", "href": "/downloads/assets/mapping-mt950-to-camt-053", "coverage": "derived" }, { "type": "resource", "label": "MT950 field matrix", "href": "/downloads/assets/field-matrix-mt950", "coverage": "derived" }, { "type": "resource", "label": "MX cancellation, return, reversal, and investigation lifecycle — ZIP pack", "href": "/downloads/packs/mx-exceptions-investigations", "coverage": "derived" }, { "type": "resource", "label": "pacs.002 field matrix", "href": "/downloads/assets/field-matrix-pacs-002", "coverage": "derived" }, { "type": "resource", "label": "pacs.002 payment status — raw XML", "href": "/downloads/samples/pacs-002", "coverage": "derived" }, { "type": "resource", "label": "pacs.002 payment status — rejection — raw XML", "href": "/downloads/samples/pacs-002-rjct", "coverage": "derived" }, { "type": "resource", "label": "pacs.003 FI-to-FI direct-debit collection — raw XML", "href": "/downloads/samples/pacs-003", "coverage": "derived" }, { "type": "resource", "label": "pacs.003 field matrix", "href": "/downloads/assets/field-matrix-pacs-003", "coverage": "derived" }, { "type": "resource", "label": "pacs.004 field matrix", "href": "/downloads/assets/field-matrix-pacs-004", "coverage": "derived" }, { "type": "resource", "label": "pacs.004 payment return — raw XML", "href": "/downloads/samples/pacs-004", "coverage": "derived" }, { "type": "resource", "label": "pacs.008 FI-to-FI credit transfer — raw XML", "href": "/downloads/samples/pacs-008", "coverage": "derived" }, { "type": "resource", "label": "pacs.008 field matrix", "href": "/downloads/assets/field-matrix-pacs-008", "coverage": "derived" }, { "type": "resource", "label": "pain.001 customer initiation — raw XML", "href": "/downloads/samples/pain-001", "coverage": "derived" }, { "type": "resource", "label": "pain.001 field matrix", "href": "/downloads/assets/field-matrix-pain-001", "coverage": "derived" }, { "type": "resource", "label": "pain.002 customer payment status — raw XML", "href": "/downloads/samples/pain-002", "coverage": "derived" }, { "type": "resource", "label": "pain.002 field matrix", "href": "/downloads/assets/field-matrix-pain-002", "coverage": "derived" }, { "type": "resource", "label": "pain.008 customer direct-debit initiation — raw XML", "href": "/downloads/samples/pain-008", "coverage": "derived" }, { "type": "resource", "label": "pain.008 field matrix", "href": "/downloads/assets/field-matrix-pain-008", "coverage": "derived" }, { "type": "resource", "label": "Payment lifecycle test cases", "href": "/downloads/assets/payment-lifecycle-test-cases", "coverage": "derived" }, { "type": "resource", "label": "PMPG correspondent-payment and reporting market practice", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Credit Transfer implementation guidelines", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Credit Transfer rulebook", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA credit-transfer implementation pack", "href": "/downloads/profile-packs/sepa-credit", "coverage": "direct" }, { "type": "resource", "label": "SEPA Direct Debit B2B implementation guidelines and XSDs", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Direct Debit B2B rulebook", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Direct Debit Core implementation guidelines and XSDs", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Direct Debit Core rulebook", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA direct-debit implementation pack", "href": "/downloads/profile-packs/sepa-direct-debit", "coverage": "direct" }, { "type": "resource", "label": "SEPA Instant Credit Transfer implementation guidelines and XSDs", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "SEPA Instant Credit Transfer rulebook", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "Swift Standards MT release material", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "T2 functional specifications, validation rules, and binding XSDs", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "T2 RTGS implementation pack", "href": "/downloads/profile-packs/t2", "coverage": "direct" }, { "type": "resource", "label": "T2 RTGS implementation pack acceptance criteria", "href": "/downloads/assets/t2-acceptance-criteria", "coverage": "derived" }, { "type": "resource", "label": "T2 RTGS implementation pack BA checklist", "href": "/downloads/assets/t2-ba-checklist", "coverage": "derived" }, { "type": "resource", "label": "T2 RTGS implementation pack field and process matrix", "href": "/downloads/assets/t2-profile-rules", "coverage": "derived" }, { "type": "resource", "label": "T2 RTGS implementation pack migration notes", "href": "/downloads/assets/t2-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "T2 RTGS implementation pack restricted and release-specific gaps", "href": "/downloads/assets/t2-coverage-gaps", "coverage": "derived" }, { "type": "resource", "label": "T2 RTGS implementation pack test cases", "href": "/downloads/assets/t2-test-cases", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack", "href": "/downloads/profile-packs/tips", "coverage": "direct" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack acceptance criteria", "href": "/downloads/assets/tips-acceptance-criteria", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack BA checklist", "href": "/downloads/assets/tips-ba-checklist", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack field and process matrix", "href": "/downloads/assets/tips-profile-rules", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack migration notes", "href": "/downloads/assets/tips-migration-notes", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack restricted and release-specific gaps", "href": "/downloads/assets/tips-coverage-gaps", "coverage": "derived" }, { "type": "resource", "label": "TIPS instant-settlement implementation pack test cases", "href": "/downloads/assets/tips-test-cases", "coverage": "derived" }, { "type": "resource", "label": "TIPS release specifications and professional-use documentation", "href": "/implementation-resources", "coverage": "direct" }, { "type": "resource", "label": "Verification of Payee scheme rulebook", "href": "/implementation-resources", "coverage": "derived" }, { "type": "sample", "label": "camt.052 intraday account report", "href": "/message-samples/camt-052", "coverage": "derived" }, { "type": "sample", "label": "camt.053 account statement", "href": "/message-samples/camt-053", "coverage": "derived" }, { "type": "sample", "label": "camt.054 debit notification", "href": "/message-samples/camt-054", "coverage": "derived" }, { "type": "sample", "label": "pacs.002 payment status", "href": "/message-samples/pacs-002", "coverage": "derived" }, { "type": "sample", "label": "pacs.002 payment status — rejection", "href": "/message-samples/pacs-002-rjct", "coverage": "derived" }, { "type": "sample", "label": "pacs.003 FI-to-FI direct-debit collection", "href": "/message-samples/pacs-003", "coverage": "derived" }, { "type": "sample", "label": "pacs.004 payment return", "href": "/message-samples/pacs-004", "coverage": "derived" }, { "type": "sample", "label": "pacs.008 FI-to-FI credit transfer", "href": "/message-samples/pacs-008", "coverage": "derived" }, { "type": "sample", "label": "pain.001 customer initiation", "href": "/message-samples/pain-001", "coverage": "derived" }, { "type": "sample", "label": "pain.002 customer payment status", "href": "/message-samples/pain-002", "coverage": "derived" }, { "type": "sample", "label": "pain.008 customer direct-debit initiation", "href": "/message-samples/pain-008", "coverage": "derived" }, { "type": "topic", "label": "CBPR+: ISO 20022 for cross-border payments", "href": "/learn/iso-20022/cbpr-plus-cross-border", "coverage": "derived" }, { "type": "topic", "label": "Clearing and settlement mechanisms", "href": "/learn/clearing-settlement/clearing-and-settlement-mechanisms", "coverage": "derived" }, { "type": "topic", "label": "Clearing versus settlement", "href": "/learn/foundations/clearing-vs-settlement", "coverage": "derived" }, { "type": "topic", "label": "Exceptions and investigations", "href": "/learn/operations/exceptions-and-investigations", "coverage": "direct" }, { "type": "topic", "label": "How a payment declares what it is", "href": "/learn/iso-20022/payment-type-and-codes", "coverage": "derived" }, { "type": "topic", "label": "MT-to-MX translation and truncation", "href": "/learn/iso-20022/mt-mx-translation-and-truncation", "coverage": "derived" }, { "type": "topic", "label": "R-transactions: reject, return, recall", "href": "/learn/sepa/r-transactions-reject-return-recall", "coverage": "derived" }, { "type": "topic", "label": "Request to Pay", "href": "/learn/sepa/request-to-pay", "coverage": "derived" }, { "type": "topic", "label": "Screening payment messages", "href": "/screening/execution/screening-payment-messages", "coverage": "derived" }, { "type": "topic", "label": "SCT Inst: instant payments", "href": "/learn/sepa/sct-inst-instant-payments", "coverage": "derived" }, { "type": "topic", "label": "SDD Core: payments that pull", "href": "/learn/sepa/sdd-core", "coverage": "derived" }, { "type": "topic", "label": "SDD refunds: money with a return path", "href": "/learn/sepa/sdd-refunds-and-r-transactions", "coverage": "derived" }, { "type": "topic", "label": "SEPA timelines and reachability", "href": "/learn/sepa/sepa-timelines-and-reachability", "coverage": "derived" }, { "type": "topic", "label": "SEPA: one euro payments area", "href": "/learn/sepa/sepa-overview", "coverage": "derived" }, { "type": "topic", "label": "The camt family: cash management & investigations", "href": "/learn/iso-20022/camt-family-cash-management", "coverage": "derived" }, { "type": "topic", "label": "The ISO 20022 message model", "href": "/learn/iso-20022/iso-20022-message-model-and-xml", "coverage": "derived" }, { "type": "topic", "label": "The pacs family: interbank messages", "href": "/learn/iso-20022/pacs-family-interbank-messages", "coverage": "derived" }, { "type": "topic", "label": "The pain family: payment initiation", "href": "/learn/iso-20022/pain-family-payment-initiation", "coverage": "derived" }, { "type": "topic", "label": "The SCT lifecycle", "href": "/learn/sepa/sct-lifecycle", "coverage": "derived" }, { "type": "topic", "label": "Verification of Payee", "href": "/learn/sepa/verification-of-payee", "coverage": "derived" } ] }