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ISO 20022

Future-ready payments.
Built on ISO 20022.

Metagens supports ISO 20022 payment messages and pain.001 file formats to help lending businesses process payments, exchanges and reconciliations with accuracy, transparency and global interoperability.

View Integration & APIs Explore Payments Overview
ISO 20022 in MetagensCore BankingSystemLOS / LMSPayment GatewayOther InternalSystemsBanks & FinancialInstitutionsPayment NetworksPayment ProcessorsCorrespondent BanksStandardizedMessagesStructuredDataEnd-to-EndTraceability
01

What is ISO 20022?

ISO 20022 is the global standard for electronic data interchange between financial institutions. It enables rich, structured and interoperable payment messages across borders, systems and networks.

  • Richer data for better straight-through processing
  • Global standard adopted by banks and payment networks
  • Supports cross-border and domestic payment scenarios
  • Future-ready for compliance and innovation
ISO 20022 message flow in Metagens
Create PaymentInstructionPayment is createdin Metagens.Convert toISO 20022Message is validatedand formatted.Send / ExchangeSent to bank/processorin pain.001 orISO 20022 message.Process& AcknowledgeBank processes andreturns status.Reconcile& ReportStatus is updated andreconciled in Metagens.
Metagens does not directly submit transactions to banks, card networks or the Federal Reserve.
Final submission, settlement and clearing are handled by your bank or payment provider.
02

What we support

Metagens supports ISO 20022 message standards and pain.001 file formats for payment initiation and exchange.

Message Standards
  • ISO 20022 pain.001 (Customer Credit Transfer Initiation)
  • ISO 20022 pacs.008 (FI to FI Customer Credit Transfer)
  • ISO 20022 camt.054 / camt.053 (Bank to Customer Debit/Credit)
  • Status, returns and acknowledgements
  • Extensible for additional message types
File Format
  • pain.001 file upload & processing
  • Validation and error handling
  • File acknowledgement (ACK/NAK)
  • Status tracking and reporting
  • Reconciliation support
03

Benefits for your business

Leverage the power of ISO 20022 to improve efficiency, reduce errors and stay future-ready.

Rich & structured data

Better context for automation and straight-through processing.

Interoperability across borders

Standard messages that work across banks and networks.

Higher efficiency

Fewer exceptions, less rework and faster payment processing.

Better tracking & transparency

End-to-end visibility of payment status and lifecycle.

Compliance ready

Aligned with global standards and regulatory requirements.

Future proof

Designed to adapt to evolving payment infrastructure.

04

ISO 20022 message lifecycle

From payment initiation to settlement visibility.

1. InitiatePayment created inMetagens.2. ValidateSyntax, schema andbusiness rulevalidation.3. TransformConvert to ISO 20022(pain.001 / ISOmessage).4. TransmitSend securely tobank or paymentprovider.5. ProcessBank/processorvalidates andprocesses.6. RespondStatus/acknowledgementreceived (pacs.002 /camt messages).7. ReconcileUpdate status,reconcile andreport.
All messages and acknowledgements are tracked with unique reference IDs for full traceability.
05

Use cases

ISO 20022 support across key payment scenarios.

Loan disbursement payments
Collections & repayments
Customer account credits
Bulk payments & file uploads
Vendor & supplier payments
Cross-border payments
06

Connected. Compliant. Confident.

ISO 20022 in Metagens ensures your payments are standardized, traceable and ready for the future.

ISO20022

Ready to modernize your payments?

Talk to our architects and see how ISO 20022 fits into your lending workflows.

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