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Latency: <3ms Edge Availability: 99.99% Standard: pacs.008.001.08 / SWIFT MX V8 Pure Compute

ISO 20022 pacs.008 FI to FI Customer Credit Transfer Parser

Parse interbank pacs.008 SWIFT MX payment messages into structured JSON with full UETR and agent routing extraction.

View Pricing & SLA → ⚡ Test in Live Workbench ← Back to ISO 20022 Financial Message Parser & Validator API
Official Regulatory Standard & Verification Protocol Authority: ISO 20022 Universal Financial Industry Message Scheme ↗

Quick Technical Summary: Parse interbank pacs.008 SWIFT MX payment messages into structured JSON with full UETR and agent routing extraction. Implementation conforms to ISO 20022 XML Financial Schemas.

Execution SLA
<3ms Edge (Cloudflare V8)
Governing Norm
pacs.008.001.08 / SWIFT MX
Throughput Limit
512 KB / Payload
Data Privacy
100% In-Memory (Zero Store)

Specification & Structural Breakdown

The pacs.008 (Financial Institution to Financial Institution Customer Credit Transfer) is the core message of the global ISO 20022 migration replacing legacy MT103 payments.

Captures Group Header (GrpHdr) settlement method, total interbank settlement amount, and clearing system identifiers.

Extracts Credit Transfer Transaction Information (CdtTrfTxInf) containing Debtor (Dbtr), Debtor Agent (DbtrAgt), Creditor Agent (CdtrAgt), Creditor (Cdtr), and Structured Remittance Information (RmtInf).

XML PathDescriptionExtracted JSON FieldStandard
FIToFICstmrCdtTrf/GrpHdr/MsgIdMessage IdentificationmessageIdMandatory string
CdtTrfTxInf/PmtId/UETRUnique End-to-End ReferenceuetrUUID v4 format
CdtTrfTxInf/IntrBkSttlmAmtInterbank Settlement AmountsettlementAmount.value & currencyISO 4217 Currency + Decimal
CdtTrfTxInf/DbtrAcct/Id/IBANDebtor Account IBANdebtor.ibanISO 13616 IBAN
CdtTrfTxInf/CdtrAgt/FinInstnId/BICFICreditor Agent BICcreditor.bicISO 9362 BIC
Interactive Edge Validator

Test ISO 20022 pacs.008 FI to FI Customer Credit Transfer Parser Live

Paste raw inputs up to 32KB and inspect deterministic parsed JSON in real-time across 330+ Cloudflare edge locations. Pure compute, zero cold-starts.

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Parsed JSON Response Model

The edge microservice transforms input payloads into strongly-typed hierarchical JSON with zero cold starts:

HTTP 200 JSON Payload 
{
  "messageType": "pacs.008.001.08",
  "uetr": "eb9b1248-8422-441a-8c85-80252f9b8830",
  "settlementAmount": {
    "currency": "EUR",
    "value": 150000
  },
  "debtor": {
    "name": "ACME CORP",
    "iban": "DE89370400440532013000",
    "bic": "DBEUMM21XXX"
  },
  "creditor": {
    "name": "GLOBAL LOGISTICS SAS",
    "iban": "FR7630006000011234567890189",
    "bic": "BNPAFRPPXXX"
  }
}

Copy-Paste Integration Code

Integrate this validator directly into your application using your production API key:

cURL 
curl --request POST \
  --url "https://iso-20022-financial-message-parser-validator.stanzaapi.com/api/v1/iso20022/parse" \
  --header "Content-Type: application/json" \
  --header "x-api-key: YOUR_API_KEY" \
  --data '{
  "rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
}'
Node.js (Fetch) 
const response = await fetch("https://iso-20022-financial-message-parser-validator.stanzaapi.com/api/v1/iso20022/parse", {
  method: "POST",
  headers: {
    "Content-Type": "application/json",
    "x-api-key": process.env.API_KEY || "YOUR_API_KEY"
  },
  body: JSON.stringify({
  "rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
})
});

const data = await response.json();
console.log(data);
Python (Requests) 
import requests
import json

url = "https://iso-20022-financial-message-parser-validator.stanzaapi.com/api/v1/iso20022/parse"
headers = {
    "Content-Type": "application/json",
    "x-api-key": "YOUR_API_KEY"
}
payload = {
    "rawXml": "<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"
}

response = requests.post(url, json=payload, headers=headers)
print(response.json())
Go 
package main

import (
	"bytes"
	"fmt"
	"io"
	"net/http"
	"os"
)

func main() {
	url := "https://iso-20022-financial-message-parser-validator.stanzaapi.com/api/v1/iso20022/parse"
	payload := []byte(`{"rawXml":"<Document xmlns=\"urn:iso:std:iso:20022:tech:xsd:pacs.008.001.08\"><FIToFICstmrCdtTrf><GrpHdr><MsgId>MSG20260830-01</MsgId><CreDtTm>2026-08-30T12:00:00Z</CreDtTm><NbOfTxs>1</NbOfTxs><SttlmInf><SttlmMtd>CLRG</SttlmMtd></SttlmInf></GrpHdr><CdtTrfTxInf><PmtId><EndToEndId>E2E-991823</EndToEndId><UETR>eb9b1248-8422-441a-8c85-80252f9b8830</UETR></PmtId><IntrBkSttlmAmt Ccy=\"EUR\">150000.00</IntrBkSttlmAmt><Dbtr><Nm>ACME CORP</Nm></Dbtr><DbtrAcct><Id><IBAN>DE89370400440532013000</IBAN></Id></DbtrAcct><DbtrAgt><FinInstnId><BICFI>DBEUMM21XXX</BICFI></FinInstnId></DbtrAgt><CdtrAgt><FinInstnId><BICFI>BNPAFRPPXXX</BICFI></FinInstnId></CdtrAgt><Cdtr><Nm>GLOBAL LOGISTICS SAS</Nm></Cdtr><CdtrAcct><Id><IBAN>FR7630006000011234567890189</IBAN></Id></CdtrAcct></CdtTrfTxInf></FIToFICstmrCdtTrf></Document>"}`)

	req, _ := http.NewRequest("POST", url, bytes.NewBuffer(payload))
	req.Header.Add("Content-Type", "application/json")
	req.Header.Add("x-api-key", os.Getenv("API_KEY"))

	res, err := http.DefaultClient.Do(req)
	if err != nil {
		panic(err)
	}
	defer res.Body.Close()
	body, _ := io.ReadAll(res.Body)
	fmt.Println(string(body))
}

Frequently Asked Questions & Technical Notes

What version of pacs.008 is supported?

Supports pacs.008.001.08 (current SWIFT CBPR+ mandate) as well as earlier .06 and .07 releases.

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