# Free Online ISO 20022 XML to JSON Converter & SWIFT MX Inspector
> Instant, zero-install ISO 20022 XML to JSON converter running on Cloudflare Workers edge isolates. Parses pacs.008, pacs.002, pain.001, pain.002, camt.053, and camt.054 into typed JSON in sub-5ms.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/converter/iso20022-to-json
- **Governing Standard:** ISO 20022 XML Financial Schemas (ISO 20022 Universal Financial Industry Message Scheme)
- **Edge Latency SLA:** <2ms Edge (Cloudflare V8 Isolates)
- **Execution Model:** Pure compute $f(x) = y$, 100% In-Memory (Zero Store, Zero Log)

## Technical Overview & Governing Rules
Ingests raw ISO 20022 XML streams, resolves Business Application Headers (head.001 / BAH), and outputs standardized JSON representations.

Engineered for fintech developers, core banking teams, and payment operations specialists migrating from legacy SWIFT MT to MX formats.

Zero payload persistence: processing takes place strictly in transient V8 isolate memory and streams directly to your browser.

## Specification Matrix
| Message Standard | Business Function | Key Extracted Entities |
| --- | --- | --- |
| pacs.008.001.08 | Customer Credit Transfer | UETR, Debtor/Creditor IBAN & BIC, Interbank Amount |
| pacs.002.001.10 | Payment Status Report | Original MsgId, Status Code (ACCP/RJCT), Reason Code |
| pain.001.001.09 | Customer Credit Transfer Initiation | Batch Payment Info, Debtor Account, Instruction List |
| camt.053.001.08 | Bank-to-Customer Statement | Account IBAN, Opening/Closing Balances, Entries |
| camt.054.001.08 | Debit/Credit Notification | Real-time account balance updates, booking references |

## Standard JSON Response Model
```json
{
  "messageType": "pacs.008.001.08",
  "messageId": "MSG20260830-01",
  "settlementAmount": {
    "currency": "EUR",
    "value": 150000
  },
  "uetr": "eb9b1248-8422-441a-8c85-80252f9b8830",
  "debtor": {
    "name": "ACME CORP",
    "iban": "DE89370400440532013000"
  },
  "creditor": {
    "name": "GLOBAL LOGISTICS SAS",
    "iban": "FR7630006000011234567890189"
  }
}
```

## Frequently Asked Questions & Edge Cases
### Q: Are financial records or banking credentials stored?
**A:** Never. Our edge service operates as a stateless pure function $f(x)=y$. Payloads are processed in memory and never logged, cached, or written to disk.

### Q: Can I integrate this into our payment gateway?
**A:** Yes. Install our client SDK: npm install @noorm-mkdad/iso20022-parser-client or pip install iso20022-parser-client, or hit our REST API directly with Bearer auth.