T254 · Cat-21 · Real-Time Payments · Operations & Compliance CAT-21

ISO 20022 Cross-Rail Message Compatibility Checker

Check ISO 20022 message compatibility across real-time payment rail implementations. Select a source rail, target rails, and message type to see a field-by-field compatibility matrix, scheme overlay requirements, mandatory elements that vary by rail, and a prioritised diff report. Outputs a Policy Mandate JSON message routing policy.

ISO 20022 FedNow · RTP · SEPA Inst Faster Payments · PIX · PayNow Field-Level Diff Policy Mandate Export Client-side · Zero PII v1.0
Configuration
Select at least one target rail — maximum 4
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.
Compatibility Matrix
⚙️
Select source rail, target rails,
and message type, then click
Check Compatibility