All tools
ISO 20022 payment toolkit for fintech developers. Everything runs in your browser — no data is sent to any server.
ISO 20022 Payments
CoreGenerate, validate, and simulate pain.001 and pain.002 payment flows.
Reason Code Reference
Look up any ISO 20022 pain.002 rejection code (AM04, AC01, FRAD) or transaction status code (RJCT, ACSC, PDNG) — with plain-English explanations and remediation steps.
Flow Simulator
Simulate the complete payment lifecycle: create a payment, generate pain.001, get a simulated bank response, and view the parsed pain.002 result. Step by step.
Payment Initiation
Generate pain.001 XML from templates or a form, then validate structure, IBAN formats, control sum, and duplicate EndToEndIds.
Payment Status
Parse bank-returned pain.002 files. Extracts group status, per-transaction outcomes, and rejection reason codes with plain-English explanations.
Validation & Lookup
Validate IBANs and BIC/SWIFT codes against financial standards.
IBAN Generator
Calculate a valid IBAN from a local bank code and account number. Supports Germany (BLZ), Netherlands, UK, and 9 more SEPA countries.
IBAN Validator
Validate any IBAN against mod-97 checksum and country-specific length rules. Supports 70+ countries.
BIC / SWIFT Checker
Parse and validate BIC/SWIFT codes. Checks format, country code, dataset lookup, and flags test or passive BICs.
IBAN + BIC Validator
Cross-validate an IBAN and BIC as a pair. Checks both formats and flags country code mismatches.
Bulk IBAN Validator
Validate a batch of IBANs in one pass. Paste one per line — get a valid/invalid breakdown with error details.
SEPA Character Set
Check whether names, remittance info, and payment references contain characters that SEPA rejects — like umlauts, &, or €.
Developer Utilities
Card testing, reference generation, and format conversion tools.
Card Toolkit
Validate card numbers with Luhn + IIN detection, or generate structurally valid test cards for sandbox environments.
Reference Toolkit
Generate payment references for SEPA workflows: UUID v4, EndToEndId, InstructionId, and MessageId.
JSON → XML
Convert JSON payloads to well-formed XML for payment APIs and SEPA messaging workflows.
XML → JSON
Parse XML payment files and convert to readable JSON. Useful for inspecting ISO 20022 responses.