ANZ × pain.001 credit transfer
POST /v1/iso20022/pain.001 · pain.001.001.09 (Transactive Global + CBPR+)
Outbound customer credit transfer initiation. Deterministic XML, structured-address enforced for the SWIFT Nov 14, 2026 mandate, idempotent replay.
Integration notes
What changes for ANZ.
- 01
Bank-specific rule pack pinned via bank_ruleset request field. The builder enforces ANZ-specific NbOfTxs / CtrlSum rules at the PmtInf / GrpHdr level.
- 02
Structured-address enforcement at emission — the SWIFT Nov 14, 2026 mandate fields (StrtNm / BldgNb / PstCd / TwnNm / Ctry) are validated before XML serialisation.
- 03
Deterministic MsgId derivation from the idempotency key (apps/api/src/lib/msgId.ts); the same logical request always yields the same MsgId so bank-side deduplication is safe.
Related
Where to go next.
Endpoint docs
The full request / response schema for POST /v1/iso20022/pain.001.
/docs/pain-001 →
ANZ overview
Capability summary, all four endpoints in scope, links to the public IG.
/banks/anz-au →
SWIFT mandate hub
The November 14, 2026 cutover. Bank-readiness checklist, live lint, FAQ.
/structured-address →