--- title: Stanza — The Developer Platform for B2B Transactions description: Stanza is the serverless developer platform for B2B and healthcare transactions. Sub-2ms edge execution, AI-ready MCP tools, zero data retention. canonical: https://stanzaapi.com/ --- ISO 20022 • ANSI X12 5010 • FDA DSCSA • GS1 • ISO 13616 # The developer platform for B2B transactions AI-ready. Sub-2ms edge compute. Zero data retention. Validate, parse, and transform regulated B2B payloads at the edge. Sign up free **0.82ms** P99 latency**330+** edge locations**0 bytes** stored**12** production APIs Interactive Playground ## Live Specification Workbench Stream raw enterprise transactions into Stanza's deterministic compute engine. See instantaneous parsing, SNIP level 1-4 validation, and clean typed JSON. 837P Claims HIPAA PHI Redact 835 Remittance 270/271 Eligibility pacs.008 FedNow AI Agent MCP claim_submission.x12 INBOUND STREAM ``` ISA*00* *00* *ZZ*SUBMITTER01 *ZZ*PAYER99999 *260904*1430*^*00501*000000001*0*P*:~ GS*HC*SUBMITTER01*PAYER99999*20260904*1430*1*X*005010X222A1~ ST*837*0001*005010X222A1~ BHT*0019*00*CLAIM20260904*20260904*1430*CH~ NM1*41*2*ACME CLINIC*****46*1234567893~ PER*IC*BILLING DEPT*TE*8005550199~ NM1*40*2*HEALTH FIRST*****46*99999~ HL*1**20*1~ PRV*BI*PXC*207Q00000X~ NM1*85*2*METRO HEALTHCARE*****XX*1982739102~ N3*100 MEDICAL PARK DR~ N4*AUSTIN*TX*78701~ HL*2*1*22*0~ SBR*P*18*******CI~ NM1*IL*1*DOE*JANE****MI*W1234567801~ N3*456 MAPLE AVE~ N4*AUSTIN*TX*78704~ DMG*D8*19850412*F~ CLM*CLM-88219*1450.00***11:B:1*Y*A*Y*Y~ HI*BK:M545*BF:M542~ LX*1~ SV1*HC:99214*150.00*UN*1***1~ DTP*472*D8*20260901~ SE*24*0001~ GE*1*1~ IEA*1*000000001~ ``` output.json HTTP 200 OK • 0.82ms ``` { "success": true, "data": { "standard": "ANSI X12 5010X222A1", "transaction": "837P", "claimId": "CLM-88219", "totalBilled": 1450.00, "patient": { "lastName": "DOE", "firstName": "JANE", "memberId": "W1234567801", "gender": "F", "dob": "1985-04-12" }, "billingProvider": { "npi": "1982739102", "taxonomy": "207Q00000X", "organization": "METRO HEALTHCARE" }, "diagnosisCodes": ["M545", "M542"], "lines": [ { "line": 1, "cpt": "99214", "charge": 150.00, "dateOfService": "2026-09-01" } ], "snipValidation": { "level": 4, "passed": true, "errors": [] } }, "meta": { "latency_ms": 0.82, "version": "1.0.0" } } ``` 0.82ms P99 Ephemeral Execution Zero Disk or Database Writes SNIP 1-4 Automated Compliance Check Zero Data Stored (In-Memory Only) Free Tools ## Free developer tools, no API key required Run IBAN, container, air waybill, and GS1 checks in your browser, or open the [developer toolbox](/toolbox) for every free tool on one page. [FREE TOOL — IBAN Checker: Validate IBAN Numbers and MOD-97 Checksum — Validate an IBAN and break it into country, check digit, bank code, branch code, and account parts.](/tools/iban-validator/checker)[FREE TOOL — IBAN Generator: Create Valid Test IBANs for Any Country — Generate valid test IBANs for 87 countries from a reproducible seed — no sign-up, no network calls, everything in your browser.](/tools/iban-validator/generator)[FREE TOOL — Container Check Digit Calculator (ISO 6346) — Calculate or verify the ISO 6346 Mod-11 check digit for a shipping container number.](/tools/container-validator/check-digit-calculator)[FREE TOOL — Air Waybill Validator: Check an 11-Digit AWB Number — Validate the airline prefix, serial, and Mod-7 check digit of an IATA air waybill number.](/tools/iata-validator/air-waybill-validator)[FREE TOOL — GTIN Check Digit Calculator (GTIN-8, GTIN-12, GTIN-13, GTIN-14) — Calculate or verify the GS1 Mod-10 check digit for GTIN-8, GTIN-12, GTIN-13, and GTIN-14 codes.](/tools/gs1-decoder/gtin-check-digit-calculator) Supported Regulatory Standards & Formats ANSI X12 5010 ISO 20022 SWIFT FedNow & RTP HIPAA Safe Harbor (18 Identifiers) FDA DSCSA 2026 EPCIS GS1 Digital Link 2027 Core Pillars ## Built for developers from the ground up Replace brittle legacy clearinghouse SFTP boxes with modern, AI-ready REST endpoints. ### Predictable Self-Serve Pricing Start free in the developer sandbox. Upgrade self-serve to production tiers with zero setup fees, no mandatory annual lock-in, and transparent metered overage. // Predictable edge billing $0.00 Sandbox Free Tier Cancel anytime monthly billing Zero clearinghouse setup fees ### API-first design JSON-native. AI-ready. Well-documented APIs for everything: real-time eligibility checks, claim submission, remittance advice, and cross-border ISO 20022 transfers. const res = await stanza.claims.parse({ file: stream, snipValidation: true }); // Typed, schema-valid JSON ### Engineered for AI The Stanza MCP server gives your Claude Desktop and OpenAI agents plug-and-play access to B2B transactions. Automate clearinghouse workflows without hallucinations. { "mcpServers": { "stanza": { "command": "npx", "args": ["-y", "@stanzaapi/mcp"], "env": { "STANZA_API_KEY": "nk_live_..." } } } } Protocol Coverage ## Every major enterprise transaction Complete coverage for healthcare EDI ANSI X12 5010, global banking ISO 20022, and supply chain standards. 270 / 271 Eligibility Inquiry & Benefit Check Batch and real-time eligibility checks with insurance discovery, deductible tracking, and copay resolution across 3,500+ payers. 837P / 837I / 837D Health Care Claims Submission Professional, institutional, and dental claims with automated SNIP level 1-4 validation edits before payer submission. 835 Electronic Remittance Advice (ERA) Parse complex claim payment advice, patient responsibility splits, and adjustment codes (CARC/RARC) into ledger JSON. 276 / 277 Claim Status Inquiry & Response Real-time claim status tracking to eliminate portal logins and track adjudication status automatically. POST /v1/hipaa/redact HIPAA PHI LLM De-identification Tokenize and scrub all 18 HIPAA Safe Harbor identifiers before streaming clinical prompts to OpenAI or Claude. pacs.008 • camt.053 ISO 20022 SWIFT & FedNow Instant XML validation and JSON conversion for high-value financial credit transfers and automated bank reconciliations. Architectural Benchmark ## Built differently from the ground up Compare how modern engineering organizations handle enterprise B2B data: fragile in-house scripts vs. legacy clearinghouses vs. Stanza's serverless developer platform. | Architectural Capability | Hand-Rolled Scripts | Legacy Clearinghouses / VANs | Stanza Developer Platform | | --- | --- | --- | --- | | Ingestion Latency | Unpredictable (100ms - 5s) | Batch Queues (5m - 24 hours) | Sub-5ms In-Memory Compute | | Spec Errata & Compliance | Breaks on new EDI/ISO updates | Proprietary formats, opaque | 2026 ANSI 5010 & ISO 20022 Verified | | PHI & Banking Data Retention | Indefinitely logged in app disks | Stored in legacy multi-tenant DBs | 0 Bytes Disk Persistence (RAM Only) | | AI Agent Integration | None (hallucination prone) | No AI interface, SOAP/FTP only | Native MCP Server for Claude/OpenAI | | Interface Ergonomics | Bespoke internal libraries | SFTP batch drops & legacy SOAP | Modern REST API + Typed JSON | | Cold-Start & JVM Overhead | High Node / Python footprint | Heavy Java / Oracle enterprise bloat | Zero Cold-Start Ephemeral Workers | | Time-to-Production | Months of dev & maintenance | 3 to 6 months sales onboarding | Instant Self-Serve API Key (< 1 min) | | Contractual SLA & Pricing | 0% SLA (Dev team on-call fire drills) | $10k+ setup fees & 3-year lock-in | 99.9% SLA • Transparent Monthly Tiers | Ingestion Latency Sub-5ms In-Memory Compute Legacy Clearinghouses:Batch Queues (5m - 24 hrs) Data Retention Liability 0 Bytes Disk Persistence (RAM Only) Legacy Clearinghouses:Stored indefinitely on disk Deterministic Architecture ## Engineered for scale & pure compute Stanza removes the architectural bottleneck of legacy clearinghouse middleboxes. Pure compute functions transform complex B2B streams with zero disk footprint. < 2ms P99 Edge Transformation Latency 0 Bytes PHI / Banking Payload Disk Storage 100% In-Memory Compute • Zero Data Stored 10+ B2B Standards Actively Maintained ### Fast Edge Architecture Runs across 330+ global edge locations. Payloads are transformed in memory close to your users with zero cold starts. ### Zero Data Stored We never store your transaction bodies, PHI, or business data on disk. Payloads are processed in memory and deleted the instant your response is delivered. ### 99.9% Uptime SLA High-reliability distributed architecture backed by contractual SLA invoice credits. Eliminate single-point-of-failure outages common to legacy monolithic clearinghouses. ### LLM Safe Harbor PHI Redaction Strip 18 HIPAA Safe Harbor identifiers with deterministic edge tokenization before feeding medical claims into LLMs and AI agents. Re-hydrate responses within your secure VPC boundary. Developer Experience ## Integrate in three lines of code Zero heavy dependencies. Native JSON payloads. Available across all major runtimes. cURL TypeScript Python Rust Go request.sh Copy ``` ``` Predictable • Self-Serve ## Transparent pricing for developers & scale On-demand synthetic claim generation, pre-flight ANSI X12 scrubbing, and HIPAA-ready architecture while the compliance program completes. Healthcare & Life Sciences FinTech & Banking Supply Chain & Trade Basic $0 / mo 50 reqs/mo • 2 req/s limit - On-demand synthetic 837P/835/270 generator - Pre-flight X12 syntax & SNIP validation - Synthetic & de-identified data only (no PHI) - Hard stop limit (zero surprise bills) - Zero credit card required [Start free sandbox →](/dashboard) Pro $99 / mo 10,000 reqs/mo • 15 req/s limit - High-volume synthetic edge-case generator - Automated CI/CD claim & remittance scrubbing - Native MCP AI server integration for LLM agents - $0.015 metered overage (auto-scaling) - Staging environments (no live PHI) [Subscribe Pro →](/tools/checkout/healthcare-suite/pro) HIPAA-Ready Architecture Ultra $799 / mo 50,000 reqs/mo • 35 req/s limit - **HIPAA-ready architecture** — BAA execution on the compliance roadmap - **Synthetic or de-identified payloads only** until announced on /compliance - Zero-retention ephemeral isolates (0 bytes stored) - 99.9% Contractual Uptime SLA guarantee - $0.01 metered overage (zero dropped claims) - Pooled quota: generate test data or scrub claims [Upgrade to Ultra →](/tools/checkout/healthcare-suite/ultra) Mega $1,499 / mo 150,000 reqs/mo • 60 req/s limit - High-volume claims & billing scale - **HIPAA-ready AWS architecture** with zero-retention processing - $0.008 soft-capped metered overage - Sub-2ms Anycast priority edge routing [Upgrade to Mega →](/pricing) Basic $0 / mo 50 reqs/mo • 3 req/s limit - Full ISO 20022, IBAN & VAT specifications - Deterministic integer Modulo-97 checksums - Hard limit (zero surprise bills) - Zero credit card required [Start free →](/dashboard) Pro $29 / mo 5,000 reqs/mo • 15 req/s limit - All banking & payment APIs - $0.008 soft-capped metered overage - Native MCP AI server tool calling - Standard developer email support [Get started →](/pricing) Most Popular Ultra $79 / mo 25,000 reqs/mo • 30 req/s limit - Complete financial message suite - $0.004 per overage transaction - Sub-2ms Anycast priority edge routing - 99.9% Contractual Uptime SLA commitment [Upgrade to Ultra →](/pricing) Mega $249 / mo 100,000 reqs/mo • 60 req/s limit - High-volume cross-border payment scale - $0.002 per overage transaction - Sub-2ms Anycast priority edge routing - Soft quota auto-scaling (zero dropped payments) [Upgrade to Mega →](/pricing) Basic $0 / mo 100 reqs/mo • 5 req/s limit - GS1 Digital Link, Container & IATA tools - Instant 2D QR / DataMatrix AI parsing - Hard limit (no surprise bills) - Zero credit card required [Start free →](/dashboard) Pro $19 / mo 10,000 reqs/mo • 20 req/s limit - All supply chain & carbon engines - $0.003 metered overage - Native MCP AI server tool calling - Standard developer email support [Get started →](/pricing) Most Popular Ultra $49 / mo 50,000 reqs/mo • 50 req/s limit - Full logistics & customs suite - $0.0015 per overage transaction - Sub-2ms priority edge routing - 99.9% Contractual Uptime SLA commitment [Upgrade to Ultra →](/pricing) Mega $149 / mo 250,000 reqs/mo • 100 req/s limit - High-velocity intermodal freight scale - $0.0008 per overage transaction - Sub-2ms Anycast priority edge routing - Soft quota auto-scaling (zero dropped requests) [Upgrade to Mega →](/pricing) Enterprise Negotiated ### Need dedicated VPC isolates, custom volume, or contractual SLAs? For clearinghouses, global banks, and enterprise freight platforms requiring 1,000,000+ monthly transactions, dedicated AWS VPC deployment with zero tenant sharing, custom DPA exhibits, 99.99% uptime guarantees, dedicated Slack engineering bridges, and Net-30 invoicing. [Talk to Enterprise Sales →](/contact?subject=Enterprise+Negotiated+Inquiry) Questions & Answers ## Frequently asked questions Everything engineering leaders and architects need to know about Stanza. Is Stanza a healthcare clearinghouse? No. Stanza is a parser and validator API. We convert complex B2B files (like ANSI X12 and ISO 20022) into clean JSON in 3 milliseconds so you can catch errors before sending files to your clearinghouse or bank. We do not route files to insurance payers, so you avoid per-claim fees and vendor lock-in. How does Stanza achieve zero data retention? Stanza processes requests purely in ephemeral memory. Payloads stream into an in-memory worker, undergo instantaneous parsing and SNIP validation, and return as JSON before the worker terminates. No database writes, cache lookups, or persistent disk logs retain payloads. Can we run Stanza on AWS Lambda in our private VPC? Yes. While Stanza is deployed globally across multi-region serverless edge nodes for sub-5ms public latency, enterprise customers can deploy the same deterministic platform within private AWS Lambda VPC environments. BAA execution is on the compliance roadmap and not yet available. How does the MCP Server work with AI agents? Stanza provides a Model Context Protocol (MCP) server that exposes tool definitions directly to LLM agents (Claude Desktop, OpenAI Assistants, LangChain). Instead of prompting an LLM to hallucinate fragile EDI loops, the agent invokes Stanza's deterministic parser tool to receive verified, structured JSON schema outputs. ## Build a faster data pipeline. Join forward-thinking healthcare, fintech, and supply chain teams moving to deterministic pure compute. [Get free API key →](#pricing)[Browse 10+ Tool APIs](/tools)