# ISO 20022 pacs.008 Credit Transfer Parser & Schema Validator
> Parse interbank pacs.008 SWIFT MX payment messages into structured JSON with full UETR and agent routing extraction.

- **Canonical URL:** https://stanzaapi.com/tools/iso20022-parser/messages/pacs-008-credit-transfer
- **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 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).

## Specification Matrix
| XML Path | Description | Extracted JSON Field | Standard |
| --- | --- | --- | --- |
| FIToFICstmrCdtTrf/GrpHdr/MsgId | Message Identification | messageId | Mandatory string |
| CdtTrfTxInf/PmtId/UETR | Unique End-to-End Reference | uetr | UUID v4 format |
| CdtTrfTxInf/IntrBkSttlmAmt | Interbank Settlement Amount | settlementAmount.value & currency | ISO 4217 Currency + Decimal |
| CdtTrfTxInf/DbtrAcct/Id/IBAN | Debtor Account IBAN | debtor.iban | ISO 13616 IBAN |
| CdtTrfTxInf/CdtrAgt/FinInstnId/BICFI | Creditor Agent BIC | creditor.bic | ISO 9362 BIC |

## Standard JSON Response Model
```json
{
  "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"
  }
}
```

## Frequently Asked Questions & Edge Cases
### Q: What version of pacs.008 is supported?
**A:** Supports pacs.008.001.08 (current SWIFT CBPR+ mandate) as well as earlier .06 and .07 releases.