Reference
ISO 20022 glossary.
50 deep entries. The terms a treasury engineer actually searches when they hit a pain.002 reason code, a camt.053 carrier mismatch, or a structured-address mandate question. Each entry cites the code path or spec section where the term has a concrete implementation.
Audit hash chain (SHA-256)
Tamper-evident audit log — each row stores the SHA-256 of (previous hash || row payload).
Bacs (UK Bankers Automated Clearing Services)
The UK domestic bulk-payments rail — 3-day Direct Debits and Bacs Direct Credits. Legacy text format.
BIC (Business Identifier Code)
The 8 or 11 character SWIFT-administered identifier of a bank or branch.
camt.053 (Bank-to-Customer Statement)
The ISO 20022 message a bank sends to the customer end-of-day with all booked transactions.
camt.054 (Bank-to-Customer Debit/Credit Notification)
The intraday notification version of camt.053 — one notification per booking, not an end-of-day batch.
CBPR+ (Cross-Border Payments and Reporting Plus)
The SWIFT usage-guidelines profile for ISO 20022 cross-border payments. The Nov 14, 2026 enforcement target.
CGI-MP (Common Global Implementation Market Practice)
A multi-bank harmonisation profile for ISO 20022 corporate payments — the "industry default".
Cloudflare Hyperdrive
Cloudflare's connection pooler for Postgres. The hot-path layer in front of Supabase for iso-compliant's API key + tenant lookups.
EBICS (Electronic Banking Internet Communication Standard)
The German/French corporate-to-bank channel protocol. Used to transport ISO 20022 files to many EU banks.
EndToEndId
The ISO 20022 reference the originator chooses to identify a single payment end-to-end.
FedACH (US ACH via the Federal Reserve)
The US batch credit/debit rail — NACHA file format. ISO 20022 mapping via NACHA WEB and Fed migration.
FedNow
The US Federal Reserve's 24/7 instant-payments rail. Native ISO 20022. Launched July 2023.
FPS (UK Faster Payments Service)
The UK's 24/7 retail real-time-payments rail. Migrating from ISO 8583 to ISO 20022 on the New Payments Architecture.
HITL classification (Human-In-The-Loop)
Routing rule for pain.002 rejects: auto_retry, hitl_required, or final. Prevents blind-retry duplicate-payment bugs.
IBAN (International Bank Account Number)
ISO 13616 account-number format — country code + check digits + national identifier, mod-97 validated.
Idempotency
The property that submitting the same request twice produces the same response. Critical for payment APIs.
InstrId
A second originator-controlled reference inside a CdtTrfTxInf — typically a debtor-bank-internal handle.
ISO 20022
The umbrella standard for financial-services XML messaging — payments, securities, FX, cards.
MsgId
The unique identifier of an ISO 20022 message inside its GroupHdr.
MX (SWIFT ISO 20022 message family)
The SWIFT name for the ISO 20022 XML message family — replaces the legacy MT (FIN) message format.
NACHA
The rule-setting body for the US ACH rails — operates the NACHA Operating Rules.
NACHA SEC codes (PPD / CCD / WEB / TEL / IAT)
The 3-letter Standard Entry Class code on every NACHA entry — determines rule-set, authorisation, and addenda format.
pain.001 (Customer Credit Transfer Initiation)
The ISO 20022 message a corporate sends its bank to initiate one or more credit transfers.
pain.001 versions (.03 vs .09 vs CH profile)
The dotted suffix on pain.001 — major.minor and per-country overlays — determines which schema and rule pack apply.
pain.002 (Customer Payment Status Report)
The bank-to-customer status report on a previously submitted pain.001 or pain.008.
pain.008 (Customer Direct Debit Initiation)
The ISO 20022 message a creditor sends its bank to initiate direct debits against debtor accounts.
PIX (Brazilian Instant Payments)
Brazil's 24/7 instant-payment rail. Built natively on ISO 20022.
PSP licensing scope
iso-compliant is a compliance-engine API. Not a PSP. Not regulated as a payment institution.
QR-IBAN
A regular Swiss IBAN whose institution ID lives in the 30000–31999 range — signals a QR-bill issuer.
QRR (QR Reference)
Swiss QR-bill's 27-digit numeric reference with mod-10 (Lührmann) check digit.
Reconciliation
Matching incoming bank-statement entries back to outgoing instructions, invoices, or expected payments.
Rule-pack pinning semantics
Per-tenant pin of (bank, schema version) tuples — iso-compliant's answer to "the bank changed the rules in production".
SCOR (Structured Creditor Reference)
The ISO 11649 alphanumeric structured creditor reference — the cross-border sibling of QRR.
SDD CORE vs SDD B2B
The two SEPA Direct Debit variants — consumer-facing (8-week refund window) vs corporate (no refund).
SEPA (Single Euro Payments Area)
The euro-zone harmonised payments scheme — SCT, SCT Inst, SDD CORE, SDD B2B.
SEPA SCT (Credit Transfer)
The classic euro-zone credit-transfer scheme — T+1 settlement, IBAN-only, no amount cap.
SEPA SCT Inst (Instant Credit Transfer)
The euro-zone 24/7 instant credit-transfer scheme — sub-10-second settlement, €100,000 per-tx cap.
SEPA SDD (Direct Debit)
The euro-zone direct-debit scheme — CORE (consumer) and B2B (no refund window).
SFTP (Secure File Transfer Protocol)
The fallback corporate-to-bank transport. Used heavily by US/UK banks for ISO 20022 file exchange.
SPC (Swiss Payments Code v0200)
The 31-line CRLF-delimited UTF-8 payload encoded inside a Swiss QR-bill.
StrdCdtrRef
The structured-creditor-reference carrier inside camt.053 — the XML path for SCOR / QRR.
Structured Address
A postal address split into street_name / building_number / post_code / town_name / country — mandatory under the SWIFT Nov 14, 2026 mandate.
Structured vs unstructured remittance
The two carrier shapes for invoice / order references — <Strd>/<CdtrRefInf> for structured, <Ustrd> for free-text.
SWIFT gpi (Global Payments Innovation) tracker
SWIFT's end-to-end tracker on cross-border payments. UETR-keyed transparency on intermediary hops.
Swiss QR-bill
The Swiss domestic payment-slip format — SPC v0200, QR-code-encoded payload, A6 payment part.
TIPS (TARGET Instant Payment Settlement)
The Eurosystem's central-bank-money settlement layer for SEPA SCT Inst. Operated by the ECB since 2018.
Ustrd (Unstructured Remittance)
The free-text remittance carrier inside camt.053 — useful when structured fields are absent.
VOP / SurePay (Verification of Payee)
Beneficiary-name-versus-IBAN check, run before SCT Inst submission. Mandatory in EU from October 2025.
X.509 / EBICS signing keys
The three-key EBICS bank-channel keypair set — auth (A006), encryption (E002), signing (X002).
Zengin
Japan's domestic bank-to-bank settlement system. Migrating from JIS character set to ISO 20022.