ISO 20022 · PACS.008 · LOCAL LITE / BYO

pacs.008 validator

Find settlement, count and reference-format errors before they become expensive payment repairs. A local ISO base preflight for bank and fintech integration teams.

Runs locally. No XML upload. Independent rules; XSD not executed in the demo.

EN · DE

Check a payment message

ISO document versionNetwork profile · separate choiceXML · 10 MB

One file free. Pro / Team batches: existing limits 25 / 100 files, 50 MB total. Errors isolated per file. ZIP blocked.

XML

Business Application Header · choose separately

BAHStandalone AppHdr XML (optional)

Paste Document and AppHdr separately. This tool does not unwrap a network envelope. Header syntax, supplied XSD and sender/receiver/message-version consistency are separate layers. Same optional XSD package may contain the authorised BAH schema. In a batch this header is compared with every document.

Authorised local ISO XSD · optional

Choose original pacs.008 and optionally BAH XSD files with sufficient concrete processing rights. ISO IPR permits royalty-free repository use; notices and contributor terms still apply. No official schema is bundled or automatically downloaded here. Public, free, BYO or runtime use is not by itself a license.

XSD · ≤30, 1 MB/file, 10 MB totalPer-artifact provenance JSON

Provide source, publisher, version, validity, acquisition date, rights basis and notices for every file. Original-byte SHA256 is computed in the report. Complete explicit local dependencies only; no network fetch. XSD 1.1 assertions are unsupported and rejected as a whole.

Authorised local profile · limited JSON adapter

Only our bounded declarative JSON format is supported: explicit pacsVersion, requireUetr, singleTransaction and requiredBah assertions. It is not a SWIFT library, Schematron or complete CBPR+ interpreter. Other packages remain unexecuted. MyStandards public/shared reading does not authorise guideline redistribution or processing outside granted rights.

Local JSON · 64 KBProfile provenance JSON object

Independent profile demo · Demo provenance

XML, amounts and identifiers stay in this tab. Only version and example choice are remembered locally.

Ready · no checks executed.

Know exactly what was checked

Separate XML, supplied XSD, independent business, plausibility, BAH and supplied-profile layers. Unknown network profile never receives a complete green result.
NbOfTxs counts transactions. Positive settlement amounts, three-letter currency shape, exact same-currency group totals and real settlement dates. Group/transaction dates must agree when both exist; mixed currencies are visibly not reconciled. No external currency list, FX, cutoff or bank-day assumption.
BIC shape, lowercase UUIDv4 UETR when present or required by supplied local assertions, debtor/creditor and agent identification presence, group/transaction agent consistency. No proof of registration, identity or reachability.

No Swift readiness certification, complete CBPR+ compliance, sanctions screening, settlement execution, RMA/reachability or bank acceptance. An ISO schema pass cannot establish a production network profile.

Version evidence and rights

Rechecked 6 November 2026: ISO catalogue pacs.008.001.14; the SWIFT MyStandards example refers to pacs.008.001.08. Latest ISO is not the SWIFT production profile. BAH version and network release must be selected independently. The official download returned HTTP 403 from this VPS, so the useful lite route uses authorised local BYO and shows XSD not executed until supplied.

ISO catalogue · ISO archive · Published BAH · ISO IPR · ISO terms · SWIFT MyStandards network reference

XSDHub is not the official ISO site. ISO 20022 remains the sole source of up-to-date repository materials. No protected rules or CBPR+ specifications are redistributed. Without appropriate rights a supplied profile remains unexecuted.

Asset / engine notices · Independent rule-only example · XSD-error fixture · Settlement-error fixture · Known outcomes and locations

Fictional examples are independently written. The XSD-error is proven against our own teaching subset; no official ISO XSD validity is claimed for the demo.

Repair the exporter and recheck

Settlement amount / currency / date guide · UETR, BAH and profile guide

Pro / Team batches · API / CLI scope

pacs.008 validator

Check a payment message

Know exactly what was checked

Version evidence and rights

Repair the exporter and recheck

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