camt.053 — Bank-to-Customer Statement Architecture & Reconciliation Engine
Comprehensive technical architecture guide to ISO 20022 camt.053 statements, MT940 migration, XML schema anatomy, mathematical balance continuity, and enterprise ERP reconciliation engines.
camt.054 — Real-Time Bank-to-Customer Debit/Credit Notifications & Virtual Accounts
Deep-dive architectural guide to ISO 20022 camt.054 notifications, MT900/MT910 migration, event-driven payment push architectures, Virtual IBAN (vIBAN) reconciliation, and outbox streaming pipelines.
Debit Reversals — Ledger Accounting, ISO 8583/20022 Protocols & Distributed Sagas
Deep architectural guide to debit reversals in banking engines, double-entry immutable ledgers, ISO 8583 0400/0420 Store-and-Forward mechanisms, and distributed Saga compensation patterns.
Debtor — The Paying Party in a Payment
Complete guide to the debtor (paying party) in ISO 20022 payment messages — Debtor vs Originator vs Ultimate Debtor, SWIFT vs ISO fields, debtor agent, and identification.
ISO 20022 Migration
Overview of ISO 20022 Migration.
pacs.002 Status Report
Overview of ISO 20022 pacs.002 payment status reports.
pain.004 — Architectural Clarification & ISO 20022 Mapping
Architectural explanation of why pain.004 does not exist in ISO 20022, the complete taxonomy of the pain message family, and the correct protocol alternatives for Payment Returns, Reversals, and Cancellations.
Payment Error & Reason Codes Reference
Master lookup table for ISO 20022 reason codes, BECS dishonour codes, NPP rejection codes, and SWIFT error codes used in Australian and international payment processing.
Payment Returns — Interbank pacs.004 Mechanics, Return Codes & Suspense Accounting
Comprehensive senior architectural guide to payment returns in banking systems, pacs.004 ISO 20022 return mechanics, return reason codes (AC01, AC04, BE04), double-entry suspense accounting, and settlement cut-off windows.
SWIFT — Cross-Border Payment Messaging
Comprehensive guide to SWIFT messaging, MT vs MX formats, SWIFT gpi, UETR tracking, correspondent banking chains, and charges in cross-border payments.