T219 · Cat-18 · Cross-Border FX & Payments · ISO 20022

Generate a pacs.008 cross-border payload

Build a fully compliant ISO 20022 pacs.008 FIToFICstmrCdtTrf message with generated UETR, SR2026 schema validation, CBPR+ requirements check, and side-by-side MT103 field mapping. Exports downloadable pacs.008 XML and Policy Mandate JSON payment instruction stub.

v1.0

Configuration

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Embedded rates, thresholds, and regulatory citations are static reference values that may age — verify against current primary sources and your own data before relying on any output for commercial, legal, or compliance decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Transaction Details

Amount

Currency (ISO 4217)

Payment Purpose Code

Debtor (Ordering Customer)

Debtor Name (synthetic)

Debtor IBAN (synthetic)

Debtor Agent BIC

Creditor (Beneficiary)

Creditor Name (synthetic)

Creditor IBAN (synthetic)

Creditor Agent BIC

CBPR+ Validation

About this tool

pacs.008 (FIToFICstmrCdtTrf) is the ISO 20022 message for customer credit transfers between financial institutions. Under CBPR+, it replaces MT103 for cross-border SWIFT payments. SR2026 is the SWIFT Standards Release applicable from November 2026.

The UETR (Unique End-to-end Transaction Reference) is a UUID v4 generated per instruction — mandatory for CBPR+ payments and SWIFT gpi tracking. Do NOT use in production without validation against the live schema.

Cross-link: use Tool 77 for structured address batch validation (CBPR+ structured vs. unstructured address compliance).

ISO 20022 pacs.008.001.12 — FIToFICstmrCdtTrf (SR2026)
SWIFT CBPR+ Usage Guidelines v2.0 — November 2025
SWIFT gpi — UETR specification (RFC 4122 UUID v4)

Generated pacs.008 Payload

UETR — Unique End-to-end Transaction Reference

pacs.008 XML (SR2026 · CBPR+)

MT103 Field Mapping