# ISO 20022 camt.054 Bank-to-Customer Debit/Credit Notification Parser
> Real-time intra-day camt.054 bank notification parser for immediate payment reconciliation in JSON.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/messages/camt-054-debit-credit-notification
- **Governing Standard:** ISO 20022 XML Financial Schemas (ISO 20022 Universal Financial Industry Message Scheme)
- **Latency:** <3ms Edge
- **Privacy:** In-memory execution only (zero data stored or logged)

## Technical Overview & Governing Rules
The camt.054 message delivers real-time notifications of incoming credits or outgoing debits to an account without waiting for end-of-day statements.

## Specification Matrix
| XML Path | Description | Extracted JSON Field | Standard |
| --- | --- | --- | --- |
| Ntfctn/Ntry/Amt | Notification Amount | amount | Currency + Value |
| Ntfctn/Ntry/CdtDbtInd | Credit / Debit Indicator | creditDebit | CRDT / DBIT |

## Standard JSON Response Model
```json
{
  "messageType": "camt.054.001.08",
  "notificationId": "NTF-20260830-01",
  "amount": {
    "currency": "EUR",
    "value": 12500
  },
  "creditDebit": "CRDT",
  "debtor": {
    "name": "EURO TRADING GMBH"
  }
}
```

## Frequently Asked Questions & Edge Cases
### Q: Is camt.054 used for instant payment reconciliation?
**A:** Yes, payment gateways and ERP systems utilize camt.054 to instantly trigger order fulfillment upon credit notification.