ISO 20022 Blog
Guides and resources about ISO 20022, SEPA and SWIFT payments
How to Create a SEPA XML File: The Complete Guide
SEPA XML files are the standard format for bank transfers and direct debits across Europe. Whether you are a treasurer, accountant or developer, understanding the structure of these files is essential for automating your payment workflows. This guide walks through every step, from XML structure to generation tools.
Read more →pain.001 vs pain.002: Understanding ISO 20022 Message Types
The ISO 20022 standard defines a family of XML messages for payments. The most common ones — pain.001, pain.002 and pain.008 — each play a specific role in the payment chain. This article explains their differences, use cases and how they work together.
Read more →ISO 20022 Migration Guide: Timeline, Impact and Steps
The migration to ISO 20022 is one of the biggest changes in international financial messaging. SWIFT completed the MT/MX coexistence period in November 2025, and businesses must adapt their systems. This guide covers the timeline, real-world impacts and steps to make the transition a success.
Read more →