The Library

A free ISO 20022 course in six sections, from what money is to reading a real pacs.008.

  1. Nostro & Vostro: How Banks Hold Money for Each Other
  2. What Is Money? The IOU You Forgot Was an IOU
  3. Clearing vs. Settlement: The Two Halves of a Payment
  4. What Is a Payment? Moving Value Without Moving Cash
  5. The Payment Lifecycle: What Happens Between Tap and Done
  6. Payment Participants: Who's Actually Involved When You Pay
  7. The Business Application Header: The Envelope Around Every Message
  8. Payment Systems: The Shared Roads Money Travels On
  9. The Payment Gateway: The Front Door of a Bank
  10. The Payment Hub: The Brain That Routes Every Payment
  11. The Payment Switch: The Split-Second Router
  12. Real-Time Payments: Money That Moves While You Wait
  13. CBPR+ and HVPS+: One Standard, Two Rulebooks
  14. The End of MT: The Weekend the Old Language Retired
  15. What Is ISO 20022? The Standard Behind Every Message
  16. pacs.008: The Message That Actually Moves the Money
  17. The pain Family: How You Tell Your Bank to Pay
  18. The pacs Family: How Banks Pay Each Other
  19. pain.001: The Instruction That Starts It All
  20. The camt Family: How Banks Tell You What Happened
  21. head & admi: The Envelope and the Housekeeping
  22. The Message Lifecycle: How the Families Move One Payment Together
  23. Anatomy of a Payment Message: The Three-Block Skeleton
  24. The Four Identifiers: MsgId, EndToEndId, TxId & UETR
  25. Status Reports: pain.002 & pacs.002, the Answer to Every Payment
  26. camt.053 Up Close: Reconciliation, Line by Line
  27. pacs.009: How Banks Move Their Own Money — and Cover Someone Else's
  28. camt.056: Calling a Payment Back
  29. Reject: When a Payment Is Turned Away Before It Settles
  30. Return: Sending Settled Money Back
  31. Recall: Asking for Your Money Back
  32. Reversal: Undoing a Payment You Had the Right to Make
  33. Investigations: When a Payment Just Goes Quiet
  34. The R-transactions: One Map of Every Way a Payment Fails
  35. Reason Codes: The Four Letters That Explain Every Failure
  36. The New Investigations: camt.110, camt.111 and the End of the Free-Text Case
  37. Customer Transfer: One Payment, Every Family, Start to Finish
  38. Payroll: One Instruction, Two Hundred Payments
  39. Cross-border Payment: When the Two Banks Have Never Met
  40. Treasury: When the Bank Moves Its Own Money
  41. The End-to-End Payment Flow: Everything, In One Motion
  42. Remittance Information: The Invoice Inside the Payment
  43. Structured Addresses: The Field Where the Next Deadline Lives
  44. Purpose Codes: Telling the System Why