{ "generatedFrom": "Payments Signal canonical architecture registry", "reviewDate": "2026-07-23", "blueprint": { "id": "architecture-iso20022-processing", "slug": "iso-20022-message-processing", "title": "ISO 20022 validation, enrichment, transformation, and canonical-data architecture", "shortTitle": "ISO 20022 processing", "family": "messaging", "summary": "Separates secure parsing, base schema, usage-guideline rules, semantic transformation, lifecycle state, and downstream status so one green check cannot falsely imply scheme compliance.", "audience": "Solution architects, business analysts, message engineers, test leads, and payment operations", "reviewDate": "2026-07-23", "versionLabel": "Payments Signal reference architecture v1", "status": "current", "nodes": [ { "id": "iso-producer", "title": "Channel or upstream producer", "kind": "channel", "summary": "Creates a payment intent in an API, file, legacy message, or internal contract.", "responsibilities": [ "Capture the complete business intent", "Supply stable identifiers and profile context" ], "owner": "Channel or source-system team", "inputs": [ "Customer instruction", "Legacy message", "Rail and service choice" ], "outputs": [ "Inbound payment document or canonical request" ], "interfaceContracts": [ "Versioned intake contract", "Idempotency and correlation contract" ], "controls": [ "Authentication", "Entitlement", "Input size and media-type checks" ], "failureModes": [ "Unknown schema version", "Incomplete party data", "Duplicate request" ], "recovery": [ "Reject before acceptance with a precise reason", "Preserve the client reference for safe correction" ], "lenses": [ "business", "applications", "interfaces", "data", "controls" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Business domains and message definitions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "messageIds": [ "pain-001", "pacs-008", "pacs-009" ], "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": "iso-envelope", "title": "Envelope and transport verifier", "kind": "gateway", "summary": "Checks the transport, Business Application Header, sender, receiver, and duplicate evidence before business processing.", "responsibilities": [ "Authenticate the transport peer", "Validate envelope and header consistency" ], "owner": "Messaging platform", "inputs": [ "Transport frame", "Business Application Header", "Business document" ], "outputs": [ "Authenticated document with correlation metadata" ], "interfaceContracts": [ "Transport profile", "Business Application Header profile" ], "controls": [ "Peer authentication", "Integrity", "Replay detection", "Message-size limit" ], "failureModes": [ "Header and document mismatch", "Repeated technical identifier", "Untrusted sender" ], "recovery": [ "Reject at the messaging boundary", "Retain non-sensitive audit evidence and correlation" ], "lenses": [ "applications", "interfaces", "data", "controls", "resilience" ], "evidence": [ { "ref": { "sourceId": "iso20022-bah", "locator": "Business Application Header purpose and elements", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 Business Application Header" } ], "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": "iso-parser", "title": "Secure XML parser", "kind": "service", "summary": "Turns the document into a controlled data structure without resolving external content.", "responsibilities": [ "Establish well-formed XML", "Disable unsafe external entity and network resolution" ], "owner": "Messaging platform", "inputs": [ "Authenticated XML document" ], "outputs": [ "Parsed document tree or technical rejection" ], "interfaceContracts": [ "Pinned parser configuration", "Resource and execution limits" ], "controls": [ "DTD disabled", "External entities disabled", "Depth and size limits" ], "failureModes": [ "Malformed XML", "Entity expansion attempt", "Resource exhaustion" ], "recovery": [ "Stop before schema or business processing", "Return a non-sensitive technical error" ], "lenses": [ "applications", "data", "controls", "resilience" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Secure XML parsing boundary", "label": "simplified-educational-illustration", "simplifications": "ISO 20022 defines messages, not a bank's parser product or security configuration." }, "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": "iso-schema", "title": "Base XSD validator", "kind": "control", "summary": "Checks whether the XML shape and base data types satisfy the selected message schema.", "responsibilities": [ "Select the intended message-definition schema", "Report structural errors with safe diagnostics" ], "owner": "Messaging platform and standards team", "inputs": [ "Parsed XML", "Pinned base XSD set" ], "outputs": [ "Base-XSD result and diagnostic locations" ], "interfaceContracts": [ "Schema version registry", "Deterministic validation contract" ], "controls": [ "Approved schema checksum", "No external schema retrieval", "Version pinning" ], "failureModes": [ "Wrong schema selected", "Missing mandatory element", "Invalid data type" ], "recovery": [ "Reject or route to controlled repair according to the channel contract", "Do not reinterpret invalid content" ], "lenses": [ "applications", "data", "controls", "operations" ], "evidence": [ { "ref": { "sourceId": "iso20022-xsd-schemas", "locator": "Message schema catalogue", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message schemas" } ], "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": "iso-profile", "title": "Usage-guideline and business-rule validator", "shortTitle": "Profile validator", "kind": "control", "summary": "Applies the implementation community’s restrictions and rules that a base XSD cannot prove.", "responsibilities": [ "Apply profile cardinality and code restrictions", "Apply cross-field and business rules" ], "owner": "Payment product and standards governance", "inputs": [ "Base-valid document", "Versioned market-practice profile" ], "outputs": [ "Profile result with rule identifier" ], "interfaceContracts": [ "Profile and rule-pack version", "Effective-date selection" ], "controls": [ "Maker-checker rule deployment", "Regression tests", "Effective-date control" ], "failureModes": [ "Base-valid but profile-invalid message", "Stale profile rules", "Ambiguous effective date" ], "recovery": [ "Return the profile rule and safe correction path", "Quarantine uncertain version selection" ], "lenses": [ "data", "controls", "ownership", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Usage guideline restrictions beyond the base message definition", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" }, { "ref": { "sourceId": "iso20022-catalogue", "locator": "Message definitions and constraints", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "relatedTargets": [ { "type": "topic", "id": "iso20022.usage-guidelines" } ], "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": "iso-canonical", "title": "Canonical payment model and provenance", "shortTitle": "Canonical model", "kind": "application", "summary": "Holds the bank’s internal payment meaning and records where every material value came from.", "responsibilities": [ "Map external semantics without silent loss", "Retain original identifiers and transformation provenance" ], "owner": "Payment hub and data architecture", "inputs": [ "Profile-valid message", "Enrichment facts" ], "outputs": [ "Canonical payment command and transformation record" ], "interfaceContracts": [ "Canonical schema", "Explicit loss and defaulting policy" ], "controls": [ "Field-level lineage", "No silent truncation", "Version compatibility tests" ], "failureModes": [ "Meaning cannot be represented", "Conflicting identifiers", "Unapproved default" ], "recovery": [ "Stop and expose the data-loss decision", "Repair only with authorised source data" ], "lenses": [ "applications", "interfaces", "data", "controls", "ownership" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Canonical model and provenance", "label": "simplified-educational-illustration", "simplifications": "ISO 20022 does not mandate a bank's internal canonical model. This component makes transformation risk visible." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "messageIds": [ "pain-001", "pacs-008", "pacs-009", "pacs-002", "camt-056", "camt-029" ], "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": "iso-orchestrator", "title": "Payment orchestration and state", "kind": "application", "summary": "Makes business decisions using a validated, provenance-aware instruction.", "responsibilities": [ "Apply lifecycle and routing decisions", "Correlate status, return, recall, and reporting messages" ], "owner": "Payments technology and operations", "inputs": [ "Canonical payment command", "Control outcomes", "Network status" ], "outputs": [ "Network-ready command", "Durable payment state", "Operational work item" ], "interfaceContracts": [ "Lifecycle state model", "Message-correlation policy" ], "controls": [ "Allowed state transitions", "Duplicate business-reference checks", "Audit" ], "failureModes": [ "Out-of-order status", "Unknown reference", "Partial downstream outcome" ], "recovery": [ "Reconcile by business and technical references", "Resume only from a confirmed durable state" ], "lenses": [ "applications", "data", "controls", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment message families and business transactions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Internal lifecycle orchestration", "label": "simplified-educational-illustration", "simplifications": "The state machine is an institutional design, not an ISO 20022 prescription." }, "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": "iso-consumer", "title": "Network adapter or downstream consumer", "kind": "external-network", "summary": "Receives a profile-correct outbound document or returns a status, exception, or report.", "responsibilities": [ "Accept the agreed profile and transport", "Return correlated technical and business outcomes" ], "owner": "External payment infrastructure or internal consuming system", "inputs": [ "Outbound Business Application Header and document" ], "outputs": [ "Acknowledgement, status, exception, report, or settlement evidence" ], "interfaceContracts": [ "Current scheme transport and message profile" ], "controls": [ "Counterparty trust", "Sequence and duplicate checks", "Cut-off and availability controls" ], "failureModes": [ "Technical rejection", "Business rejection", "Timeout with unknown outcome" ], "recovery": [ "Enquire before replay when acceptance is ambiguous", "Follow the applicable exception process" ], "lenses": [ "business", "interfaces", "data", "operations", "resilience" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Business transaction and message-set definitions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "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": "iso-e1", "from": "iso-producer", "to": "iso-envelope", "title": "Inbound document", "kind": "message", "mode": "asynchronous", "purpose": "Carry the payment intent and envelope into the controlled messaging boundary.", "protocol": "Implementation-profile transport", "messageIds": [ "pain-001", "pacs-008", "pacs-009" ], "failureBehaviour": "A transport or envelope failure is rejected before the payment enters business processing.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment initiation and clearing message sets", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e2", "from": "iso-envelope", "to": "iso-parser", "title": "Authenticated XML", "kind": "message", "mode": "synchronous", "purpose": "Pass only an authenticated, size-bounded document to the secure parser.", "failureBehaviour": "The parser is not called when header or peer checks fail.", "evidence": [ { "ref": { "sourceId": "iso20022-bah", "locator": "Business Application Header", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 Business Application Header" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e3", "from": "iso-parser", "to": "iso-schema", "title": "Parsed document", "kind": "control", "mode": "synchronous", "purpose": "Establish base schema conformance after safe parsing.", "failureBehaviour": "Malformed XML stops here and cannot be treated as a business rejection.", "evidence": [ { "ref": { "sourceId": "iso20022-xsd-schemas", "locator": "Published message schemas", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 message schemas" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e4", "from": "iso-schema", "to": "iso-profile", "title": "Base-valid document", "kind": "control", "mode": "synchronous", "purpose": "Apply community rules only after base structure is known.", "failureBehaviour": "A profile failure remains distinct from a base-XSD failure for diagnosis and reporting.", "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Profile validation is additional to base-message validation", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e5", "from": "iso-profile", "to": "iso-canonical", "title": "Profile-valid semantics", "kind": "message", "mode": "synchronous", "purpose": "Map agreed external meaning into the internal model with provenance.", "failureBehaviour": "Unsupported meaning stops transformation; it is never silently discarded.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Semantic message definitions", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "payments-signal-editorial", "locator": "Transformation boundary", "label": "simplified-educational-illustration", "simplifications": "Internal mapping rules remain institution-specific." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e6", "from": "iso-canonical", "to": "iso-orchestrator", "title": "Canonical payment command", "kind": "event", "mode": "asynchronous", "purpose": "Start controlled lifecycle processing from a durable semantic record.", "failureBehaviour": "Delivery is retried idempotently; ambiguous state is reconciled before replay.", "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Canonical command interface", "label": "simplified-educational-illustration", "simplifications": "This is a common architecture pattern, not an ISO 20022 requirement." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e7", "from": "iso-orchestrator", "to": "iso-consumer", "title": "Profiled outbound message", "kind": "message", "mode": "asynchronous", "purpose": "Send the selected message version and profile to its consumer.", "messageIds": [ "pacs-008", "pacs-009", "pacs-002", "camt-056" ], "failureBehaviour": "A timeout is an unknown outcome until transport and network evidence are reconciled.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Business transactions and message catalogue", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] }, { "id": "iso-e8", "from": "iso-consumer", "to": "iso-orchestrator", "title": "Status, exception, or report", "kind": "message", "mode": "asynchronous", "purpose": "Correlate downstream outcomes without overwriting a later confirmed state.", "messageIds": [ "pacs-002", "pacs-004", "camt-029", "camt-052", "camt-053", "camt-054" ], "failureBehaviour": "Unknown or out-of-order references enter investigation instead of changing state automatically.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Payment status, return, investigation, and reporting message sets", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" } ], "controls": [ "Authentication and authorisation", "Integrity and replay protection", "Correlation and audit evidence" ], "lenses": [ "interfaces", "data", "controls", "operations", "resilience" ], "dataClassification": [ "Payment instruction, status, and correlation metadata" ] } ], "views": [ { "id": "context", "label": "Context", "plainPurpose": "Who depends on the architecture, which external service it reaches, and where value ultimately moves.", "nodeIds": [ "iso-producer", "iso-canonical", "iso-orchestrator", "iso-consumer" ], "interfaceIds": [ "iso-e6", "iso-e7", "iso-e8" ], "placements": { "iso-producer": { "x": 80, "y": 100, "width": 244, "height": 126 }, "iso-canonical": { "x": 444, "y": 100, "width": 244, "height": 126 }, "iso-orchestrator": { "x": 808, "y": 100, "width": 244, "height": 126 }, "iso-consumer": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "context-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "iso-producer", "iso-canonical", "iso-orchestrator" ], "kind": "ownership" } ] }, { "id": "container", "label": "Container", "plainPurpose": "The major applications, stores, gateways, controls, and operational ownership boundaries.", "nodeIds": [ "iso-producer", "iso-envelope", "iso-schema", "iso-profile", "iso-canonical", "iso-orchestrator", "iso-consumer" ], "interfaceIds": [ "iso-e1", "iso-e4", "iso-e5", "iso-e6", "iso-e7", "iso-e8" ], "placements": { "iso-producer": { "x": 80, "y": 100, "width": 196, "height": 126 }, "iso-envelope": { "x": 376, "y": 100, "width": 196, "height": 126 }, "iso-schema": { "x": 672, "y": 100, "width": 196, "height": 126 }, "iso-profile": { "x": 968, "y": 100, "width": 196, "height": 126 }, "iso-canonical": { "x": 80, "y": 326, "width": 196, "height": 126 }, "iso-orchestrator": { "x": 376, "y": 326, "width": 196, "height": 126 }, "iso-consumer": { "x": 672, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "container-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "iso-producer", "iso-envelope", "iso-schema", "iso-profile", "iso-canonical", "iso-orchestrator" ], "kind": "ownership" } ] }, { "id": "component", "label": "Component", "plainPurpose": "The processing responsibilities and interface contracts that must cooperate for one payment.", "nodeIds": [ "iso-producer", "iso-envelope", "iso-parser", "iso-schema", "iso-profile", "iso-canonical", "iso-orchestrator", "iso-consumer" ], "interfaceIds": [ "iso-e1", "iso-e2", "iso-e3", "iso-e4", "iso-e5", "iso-e6", "iso-e7", "iso-e8" ], "placements": { "iso-producer": { "x": 80, "y": 100, "width": 196, "height": 126 }, "iso-envelope": { "x": 376, "y": 100, "width": 196, "height": 126 }, "iso-parser": { "x": 672, "y": 100, "width": 196, "height": 126 }, "iso-schema": { "x": 968, "y": 100, "width": 196, "height": 126 }, "iso-profile": { "x": 80, "y": 326, "width": 196, "height": 126 }, "iso-canonical": { "x": 376, "y": 326, "width": 196, "height": 126 }, "iso-orchestrator": { "x": 672, "y": 326, "width": 196, "height": 126 }, "iso-consumer": { "x": 968, "y": 326, "width": 196, "height": 126 } }, "boundaries": [ { "id": "component-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "iso-producer", "iso-envelope", "iso-parser", "iso-schema", "iso-profile", "iso-canonical", "iso-orchestrator" ], "kind": "ownership" } ] }, { "id": "deployment", "label": "Deployment", "plainPurpose": "The trust zones, runtime dependencies, external connections, and recovery boundaries.", "nodeIds": [ "iso-envelope", "iso-canonical", "iso-orchestrator", "iso-consumer" ], "interfaceIds": [ "iso-e6", "iso-e7", "iso-e8" ], "placements": { "iso-envelope": { "x": 80, "y": 100, "width": 244, "height": 126 }, "iso-canonical": { "x": 444, "y": 100, "width": 244, "height": 126 }, "iso-orchestrator": { "x": 808, "y": 100, "width": 244, "height": 126 }, "iso-consumer": { "x": 80, "y": 326, "width": 244, "height": 126 } }, "boundaries": [ { "id": "deployment-bank-boundary", "label": "Institution-controlled boundary", "nodeIds": [ "iso-envelope", "iso-canonical", "iso-orchestrator" ], "kind": "ownership" } ] } ], "traces": [ { "id": "iso-processing-trace", "label": "pacs.008 from intake to correlated status", "summary": "Follow one customer-credit-transfer message through secure parsing, layered validation, controlled transformation, and lifecycle processing.", "viewId": "component", "steps": [ { "id": "iso-processing-trace-step-1", "title": "Intent becomes a message", "nodeId": "iso-producer", "plainExplanation": "The upstream producer supplies the message version, profile, identifiers, and payment intent.", "businessState": "Created", "messageIds": [ "pacs-008" ] }, { "id": "iso-processing-trace-step-2", "title": "Peer and envelope are trusted", "nodeId": "iso-envelope", "interfaceId": "iso-e1", "plainExplanation": "Transport identity, header consistency, size, and replay evidence are checked.", "businessState": "Transport accepted", "messageIds": [ "pacs-008" ], "controlEvidence": "Peer identity, Business Application Header, technical message identifier" }, { "id": "iso-processing-trace-step-3", "title": "XML is safely parsed", "nodeId": "iso-parser", "interfaceId": "iso-e2", "plainExplanation": "The parser establishes XML well-formedness without resolving external content.", "businessState": "Well-formed" }, { "id": "iso-processing-trace-step-4", "title": "Base schema passes", "nodeId": "iso-schema", "interfaceId": "iso-e3", "plainExplanation": "The selected pacs.008 XSD confirms structure and base data types.", "businessState": "Base valid", "messageIds": [ "pacs-008" ] }, { "id": "iso-processing-trace-step-5", "title": "Usage guideline passes", "nodeId": "iso-profile", "interfaceId": "iso-e4", "plainExplanation": "The implementation profile adds restrictions and business rules beyond the base XSD.", "businessState": "Profile valid", "messageIds": [ "pacs-008" ], "controlEvidence": "Profile version and rule-pack checksum" }, { "id": "iso-processing-trace-step-6", "title": "Meaning is mapped with lineage", "nodeId": "iso-canonical", "interfaceId": "iso-e5", "plainExplanation": "Every mapped, defaulted, and unsupported value is recorded; no data disappears silently.", "businessState": "Normalised" }, { "id": "iso-processing-trace-step-7", "title": "Lifecycle processing starts", "nodeId": "iso-orchestrator", "interfaceId": "iso-e6", "plainExplanation": "The payment engine applies business controls and selects the downstream route.", "businessState": "Accepted for processing" }, { "id": "iso-processing-trace-step-8", "title": "Consumer receives the message", "nodeId": "iso-consumer", "interfaceId": "iso-e7", "plainExplanation": "The current outbound profile is sent and the response remains correlated to the original instruction.", "businessState": "Submitted", "messageIds": [ "pacs-008" ] } ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "pacs.008 message definition", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ pacs.008 usage guideline", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] } ], "stressCases": [ { "id": "iso-stress-profile", "label": "Base-valid, profile-invalid", "trigger": "The XML passes the base XSD but violates the selected usage guideline.", "divergesAfterStepId": "iso-processing-trace-step-4", "traceId": "iso-processing-trace", "affectedNodeIds": [ "iso-profile", "iso-canonical" ], "affectedInterfaceIds": [ "iso-e4", "iso-e5" ], "lastConfirmedState": "Base valid; no business acceptance has occurred.", "settlementState": "No clearing or settlement instruction has been released.", "fundsState": "Customer funds remain in the pre-release position defined by the channel.", "owner": "Standards support or payment repair", "safeAction": "Return the exact profile rule and repair only from an authorised source value; never bypass the profile.", "requiredEvidence": [ "Message version", "Profile version", "Rule identifier", "Original message checksum" ], "recoverySteps": [ "Correct the source data", "Re-run every validation layer", "Retain both failed and corrected evidence" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Usage-guideline validation", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] }, { "id": "iso-stress-loss", "label": "Transformation would lose meaning", "trigger": "A source value has no approved canonical target or would be truncated.", "divergesAfterStepId": "iso-processing-trace-step-5", "traceId": "iso-processing-trace", "affectedNodeIds": [ "iso-canonical", "iso-orchestrator" ], "affectedInterfaceIds": [ "iso-e5", "iso-e6" ], "lastConfirmedState": "Profile valid; canonical acceptance is not confirmed.", "settlementState": "Nothing has been submitted for settlement.", "fundsState": "No downstream financial posting should be released.", "owner": "Payment product, data architecture, and operations", "safeAction": "Stop the mapping, disclose the loss, and obtain an approved mapping or controlled repair decision.", "requiredEvidence": [ "Source field and value", "Mapping version", "Target constraint", "Authorised decision" ], "recoverySteps": [ "Add or approve a loss-aware rule", "Regression-test both directions", "Reprocess idempotently" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Data-loss control", "label": "simplified-educational-illustration", "simplifications": "Mapping and canonical models are institution-specific." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] }, { "id": "iso-stress-timeout", "label": "Timeout after network submission", "trigger": "The outbound send times out after the adapter may have handed the message to the network.", "divergesAfterStepId": "iso-processing-trace-step-7", "traceId": "iso-processing-trace", "affectedNodeIds": [ "iso-orchestrator", "iso-consumer" ], "affectedInterfaceIds": [ "iso-e7", "iso-e8" ], "lastConfirmedState": "Accepted for processing; downstream acceptance is unknown.", "settlementState": "Unknown until network and settlement evidence are checked.", "fundsState": "Internal reservation or posting remains unchanged until the outcome is reconciled.", "owner": "Payment operations and network support", "safeAction": "Use technical acknowledgement, network enquiry, and business identifiers before any resend.", "requiredEvidence": [ "Technical message identifier", "Business reference", "Transport logs", "Network status" ], "recoverySteps": [ "Reconcile the original submission", "Replay only under the duplicate policy", "Escalate if settlement evidence conflicts" ], "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Ambiguous-send recovery", "label": "simplified-educational-illustration", "simplifications": "Exact enquiry and duplicate procedures depend on the network profile." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] } ], "overlays": [ { "id": "iso-overlay-cbpr", "label": "CBPR+", "summary": "Adds CBPR+ Business Application Header, usage-guideline, structured-party, and message-correlation expectations.", "nodeIds": [ "iso-envelope", "iso-profile", "iso-canonical", "iso-consumer" ], "interfaceIds": [ "iso-e1", "iso-e4", "iso-e5", "iso-e7", "iso-e8" ], "relatedFlowIds": [ "flow-cbpr-pacs008", "flow-cbpr-corporate-lifecycle", "flow-mx-cover" ], "evidence": [ { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ usage guidelines and adoption material", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] }, { "id": "iso-overlay-sepa", "label": "SEPA message profiles", "summary": "Uses the current EPC scheme implementation guideline rather than the unrestricted ISO base schema.", "nodeIds": [ "iso-schema", "iso-profile", "iso-consumer" ], "interfaceIds": [ "iso-e3", "iso-e4", "iso-e7" ], "relatedFlowIds": [ "flow-sct", "flow-sct-inst", "flow-sdd-core", "flow-sdd-b2b", "flow-vop-sct-inst" ], "evidence": [ { "ref": { "sourceId": "epc-sct-ig", "locator": "SCT implementation guidelines", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SCT implementation guidelines" }, { "ref": { "sourceId": "epc-sct-inst-ig", "locator": "SCT Inst implementation guidelines", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "Current EPC SCT Inst implementation guidelines" } ] } ], "decisions": [ { "id": "iso-decision-validation", "question": "Where should profile validation run?", "options": [ { "label": "Messaging boundary", "consequence": "Early rejection and shared rule packs, but the platform must understand each profile." }, { "label": "Payment engine", "consequence": "Business context is close, but channels may duplicate structural checks." }, { "label": "Layered", "consequence": "Technical checks run once and business rules run with context; rule ownership must be explicit." } ], "guidance": "Separate the outcomes even when one product performs several layers. A base-XSD pass is never a scheme-compliance verdict.", "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Message schemas", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "Usage-guideline restrictions", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ] }, { "id": "iso-decision-canonical", "question": "Should the bank use one canonical payment model?", "options": [ { "label": "One enterprise model", "consequence": "Fewer internal contracts, but the model can become over-general and slow to change." }, { "label": "Domain models", "consequence": "Rail meaning stays clearer, but transformations and lineage multiply." }, { "label": "Canonical core plus profile extensions", "consequence": "Common semantics remain stable while explicit extensions preserve rail-specific meaning." } ], "guidance": "Choose by ownership and change cadence. Whatever the model, prohibit silent truncation and record transformation provenance.", "evidence": [ { "ref": { "sourceId": "payments-signal-editorial", "locator": "Canonical model choice", "label": "simplified-educational-illustration", "simplifications": "No ISO 20022 publication mandates one internal modelling strategy." }, "verifiedDate": "2026-07-23", "versionContext": "Payments Signal reference architecture v1" } ] } ], "targets": [ { "type": "message", "id": "pain-001" }, { "type": "message", "id": "pain-002" }, { "type": "message", "id": "pacs-008" }, { "type": "message", "id": "pacs-009" }, { "type": "message", "id": "pacs-002" }, { "type": "message", "id": "pacs-004" }, { "type": "message", "id": "pacs-007" }, { "type": "message", "id": "camt-055" }, { "type": "message", "id": "camt-056" }, { "type": "message", "id": "camt-029" }, { "type": "message", "id": "camt-052" }, { "type": "message", "id": "camt-053" }, { "type": "message", "id": "camt-054" }, { "type": "message", "id": "camt-110" }, { "type": "message", "id": "camt-111" }, { "type": "mapping", "id": "mt103-to-pacs-008" }, { "type": "mapping", "id": "mt101-to-pain-001" }, { "type": "topic", "id": "iso20022.usage-guidelines" }, { "type": "resource", "id": "iso-20022-message-catalogue" }, { "type": "resource", "id": "implementation-pack-cbpr-plus" } ], "glossaryTermIds": [ "iso-20022", "business-application-header", "schema-validation", "straight-through-processing" ], "evidence": [ { "ref": { "sourceId": "iso20022-catalogue", "locator": "Financial repository and message catalogue", "label": "official-requirement" }, "verifiedDate": "2026-07-23", "versionContext": "ISO 20022 financial repository and message catalogue" }, { "ref": { "sourceId": "cbpr-usage-guidelines", "locator": "CBPR+ usage guidelines", "label": "official-requirement", "simplifications": "The public architecture names message families. Exact CBPR+ elements, market-practice rules, and release versions remain in MyStandards." }, "verifiedDate": "2026-07-23", "versionContext": "CBPR+ usage guidelines — current MyStandards profile must be checked" } ], "simplifies": "The blueprint separates logical responsibilities so validation claims remain precise. A bank may use one product for several layers, different XML technologies, or no enterprise canonical model. The current implementation profile and its business rules remain authoritative." }, "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": "cbpr-usage-guidelines", "publisher": "Swift (CBPR+ working group)", "title": "Cross-Border Payments and Reporting Plus (CBPR+) usage guidelines", "sourceType": "usage-guideline", "accessedDate": "2026-07-18", "url": "https://www.swift.com/standards/iso-20022/iso-20022-financial-institutions-focus-payments-instructions", "applicability": "Defines how ISO 20022 messages (including pacs.008, pacs.009, pacs.002, pacs.004, and camt investigation messages) are used and validated for cross-border payments on the Swift network.", "notes": "Full guidelines require MyStandards access. Public guidance states that after 14 November 2026 fully unstructured addresses are removed for in-scope CBPR+ traffic, with explicit message exceptions including admi.024, camt.025, camt.052, camt.053, camt.054 and camt.060." }, { "id": "iso20022-bah", "publisher": "ISO 20022 Registration Authority", "title": "Business application header (BAH)", "sourceType": "official-standard", "accessedDate": "2026-07-12", "url": "https://www.iso20022.org/catalogue-messages/additional-content-messages/business-application-header-bah", "applicability": "Defines the head.001 Business Application Header that carries sender, receiver, message identification, and business-context data alongside ISO 20022 business messages.", "notes": "Several BAH versions exist (head.001.001.01 through .03); each usage community, such as CBPR+, specifies which version applies." }, { "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": "iso20022-xsd-schemas", "publisher": "ISO 20022 Registration Authority", "title": "ISO 20022 message XSD schemas", "sourceType": "official-standard", "accessedDate": "2026-07-20", "url": "https://www.iso20022.org/catalogue-messages", "applicability": "The authoritative source for the real, current XSD schema of every ISO 20022 message; the Local XSD validator's sample generator ships only original synthetic fixtures (never a bundled copy of a real schema) and its generated samples are illustrative, not a substitute for validating against the real schema.", "notes": "Each Message Definition Report links its published XSD; download it directly rather than relying on a third-party mirror." } ], "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": "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": "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 – 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": "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 ISO 20022 migration timeline", "href": "/2026/07/14/iso-20022-migration-timeline", "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": "CBPR+ corporate payment — full MX lifecycle", "href": "/explore/cbpr-corporate-lifecycle", "coverage": "direct" }, { "type": "flow", "label": "CBPR+ cross-border transfer (pacs.008)", "href": "/explore/cbpr-pacs008", "coverage": "direct" }, { "type": "flow", "label": "ISO 20022 cover payment (pacs.008 + pacs.009 COV)", "href": "/explore/mx-cover", "coverage": "direct" }, { "type": "flow", "label": "SEPA Credit Transfer", "href": "/explore/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 Instant Credit Transfer", "href": "/explore/sct-inst", "coverage": "direct" }, { "type": "flow", "label": "Verification of Payee, then instant transfer", "href": "/explore/vop-sct-inst", "coverage": "direct" }, { "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" 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