About this ISO 20022 message generator
This free online tool generates and validates sample ISO 20022 messages for cross-border payments under the CBPR+ usage guidelines. Enter payment details and it produces well-formed sample XML for the customer credit transfer pain.001, the FI-to-FI transfers pacs.008 and pacs.009 (including cover payments), the exception messages pacs.002, pacs.004, camt.056 and camt.029, the cash-reporting statements camt.052, camt.053 and camt.054, and the exceptions & investigations messages camt.110 and camt.111.
It marks the CBPR+ mandatory fields, validates BIC, IBAN, currency, UETR and date formats, and shows the MT ↔ MX mapping for anyone migrating from SWIFT MT (MT103 → pacs.008, MT202 → pacs.009, MT202COV → pacs.009 cover, MT940 → camt.053, MT192 → camt.056). Use Verify to upload your own ISO 20022 message and get structural & CBPR+ SR2025 rule checks, the MT ↔ MX map for field-level mappings, and Theory to learn each message and the standard. Always validate production messages in the SWIFT Readiness Portal.
Sample ISO 20022 messages you can generate
- pain.001 — Customer Credit Transfer Initiation sample (payment initiation, ≈ MT101)
- pacs.008 — FI to FI Customer Credit Transfer sample XML (≈ MT103)
- pacs.009 and pacs.009 cover (COV) — Financial Institution Credit Transfer & cover payment sample (≈ MT202 / MT202COV)
- pacs.002 reject and pacs.004 return — payment status report and payment return samples
- camt.056 and camt.029 — payment cancellation request and resolution of investigation (recall) samples (≈ MT192 / MT196)
- camt.052, camt.053, camt.054 — account report, bank-to-customer statement and debit/credit notification samples (≈ MT941/942, MT940/950, MT900/910)
- camt.110 and camt.111 — Exceptions & Investigations request and response samples (Case Management)
Frequently asked questions
- What is ISO 20022?
- ISO 20022 is the global standard for structured financial messaging in XML. In cross-border payments it replaces the legacy SWIFT MT (FIN) messages under the CBPR+ usage guidelines — e.g. MT103 becomes pacs.008 and MT202 becomes pacs.009.
- How do I convert a SWIFT MT message to ISO 20022 (MX)?
- Use Convert MT→MX: paste the MT message and select its type. It maps MT103→pacs.008, MT202→pacs.009, MT202 COV→pacs.009 COV and MT940→camt.053 and generates the equivalent ISO 20022 XML, minting a UETR when the MT has none.
- How do I validate an ISO 20022 message?
- Use Verify: paste or upload your ISO 20022 XML, choose the message type and version (CBPR+ SR2025), and it runs structural and CBPR+ rule checks and lists the errors. The SWIFT Readiness Portal remains authoritative for production.
- Which ISO 20022 messages can I generate?
- pain.001, pacs.008, pacs.009 (CORE and COV), pacs.002, pacs.004, camt.052, camt.053, camt.054, camt.056, camt.029, and the investigation messages camt.110 and camt.111.
Keywords: ISO 20022 message sample, ISO payment sample, MT to MX converter, MT103 to pacs.008, MT202 to pacs.009, MT940 to camt.053, ISO 20022 validator, pacs.008 sample XML, pacs.009 cover, pain.001 example, camt.053 statement sample, camt.056, camt.110 investigation, CBPR+ SR2025 messages, SWIFT MT to MX migration.
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