ISO20022 message formats

We support the use of ISO 20022 XML messages for payment initiation, payment status reporting, and account reporting.

This page provides a reference for all supported ISO 20022 message formats, depending on your set up.

Payment initiation

If you're using BC issued accounts numbers to initiate payments, you'll typically use ISO 20022 messages in the Customer-to-Bank space. The supported formats are:

• pain.001 – to initiate credit transfers
• pain.002 – used to inform of the positive or negative status of the instruction

If you have an Agency or Correspondent Banking (AB/CB) setup

If you're using your own BIC and account number under an agency or correspondent model, you'll work with Financial institution-to-Financial institution message types. The supported format is:

• pacs.008 – to send FI-to-FI customer credit transfers
• pacs.002 – used to inform of the positive or negative status of the instruction

Reporting

We offer account reporting in the following ISO format:

• camt.053 – for end-of-day bank-to-customer statements

These statements give you full visibility into posted transactions and balances, supporting your reconciliation and reporting processes.