Decode payment codes

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.
v1.0

Paste any payment identifier, code, or message type: get instant explanations, validation, and context.

ISO 20022 SWIFT MT ACH Return Codes FedNow SEPA UETR · IBAN · BIC · LEI Zero API · Works Offline
Paste a payment code, message type, or field tag

Common Scenarios

↩️

Bank Return Code

I got a return code from my bank

🌍

Send to Europe

Validate IBAN for SEPA transfer

❌

Payment Failed

What does this error mean?

🏦

BIC / SWIFT Lookup

Verify a bank identifier

📄

ISO 20022 Message

What does this message type mean?

💱

Currency Code

Identify a currency code

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❓
Code not recognized.
PayCode Decoder covers ISO 20022, SWIFT MT, ACH, FedNow, SEPA, UETR, IBAN, BIC, and LEI.

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Regulatory citations in this tool are subject to the reliance notice.