Payment Infrastructure & ISO 20022 Migration
ISO 20022 migration assessments, SEPA file pipelines, and payment infrastructure that connects your ERP to bank rails — and to the new digital-payment rails underneath them.
Key Features
- ✓ISO 20022 migration assessment and roadmap for the November 2026 deadline
- ✓pain / camt / pacs message integration with banks and clearing systems
- ✓SEPA SCT, SDD, and SCT Inst file pipelines — generation, validation, reconciliation
- ✓MT940 to camt.053 statement migration and downstream reconciliation logic
- ✓ERP-to-bank connectivity and payment operations automation
- ✓Stablecoin and DLT settlement rails — USDC/EURC on Stellar, interoperable with ISO 20022 metadata
The November 2026 deadline is real work
SWIFT ends MT/MX coexistence for cross-border payment instructions in November 2026. If your ERP generates pain files or consumes MT940 statements, the migration reaches into your payment files, statement imports, and reconciliation logic — not just your bank relationship. We assess what changes, sequence the work, and validate the results against the schemas and rulebooks your banks enforce.
Our public tooling is the working slice of that capability: an ISO 20022 message viewer that parses pain.001, camt.053, and pacs.008 with consistency checks, SEPA validators and generators that enforce EPC rulebook constraints, and MT940 converters that bridge to camt.053 XML.
Rails old and new
Payment infrastructure is no longer only bank rails. We build the bridge both directions — regulated SEPA flows and, where the use case earns it, stablecoin settlement on Stellar through our own Mozart Pay platform, with DLT transaction metadata mapped into ISO 20022 messages so both worlds reconcile. Our BlockStand publications on cross-border payment standardization and the StandICT fellowship work on DLT↔ISO 20022 mapping sit underneath this offering.
Frequently Asked Questions
Is ISO 20022 migration mandatory for us?
If you send or receive cross-border payments on SWIFT, yes — MX messages become the required format in November 2026. Domestic mandates vary, but TARGET2, SEPA, CHAPS, and Fedwire have already migrated or announced them. The practical question is whether your ERP and reconciliation stack can produce and consume the new formats.
What does a migration engagement look like?
Typically: a message and system inventory, a gap assessment against the target schemas and your banks’ implementation guidelines, conversion or integration work on the affected pipelines, and validation — we use the same checks our public tools run, applied to your real files.
Further Reading
Related Products & Services
Interested?
Tell us about your project — we tailor every engagement to specific business objectives.