T254 · Cat-21 · Real-Time Payments · Operations & Compliance CAT-21

ISO 20022 Cross-Rail Message Compatibility Checker

Check ISO 20022 message compatibility across real-time payment rail implementations. Select a source rail, target rails, and message type to see a field-by-field compatibility matrix, scheme overlay requirements, mandatory elements that vary by rail, and a prioritised diff report. Outputs a Policy Mandate JSON message routing policy.

ISO 20022 FedNow · RTP · SEPA Inst Faster Payments · PIX · PayNow Field-Level Diff Policy Mandate Export Client-side · Zero PII

Last Reviewed · 2026-05-12

Configuration

Message Type

Source Rail (Originating)

Target Rails (select 1–4)

RTP / TCH US SEPA Instant EU Faster Payments UK PIX BR PayNow SG FedNow US

Select at least one target rail — maximum 4

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Compatibility Matrix

⚙️

Select source rail, target rails,
and message type, then click
Check Compatibility