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 · runs offline · CC BY 4.0.
Transaction Details
Debtor (Ordering Customer)
Creditor (Beneficiary)
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 formerly scheduled for 14 November 2026. Swift deferred it on 27 August 2026: a partial release covering non-payment message types is planned for Q1 2027, and all cross-border payments changes (MT Category 1, CBPR+, SCORE+, SwiftGo) move to SR2027 or later.

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)
Verified 2026-09-29 against Swift
Generated pacs.008 Payload
UETR: Unique End-to-end Transaction Reference
pacs.008 XML (SR2026 · CBPR+)

      
MT103 Field Mapping