Automate ISO 20022 pacs.008 message processing.

Generate, validate, and deliver ISO 20022 pacs.008 payment messages. API orchestration and compliance support for FI-to-FI customer credit transfer workflows.

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What it does

Generates XML for `pacs.008` and related pacs message definitions; Validates data and XML against schemas; Exposes a FastAPI service for automated workflows

Validation

JSON Schema validation against 20 message-specific schemas; IBAN format and checksum verification covering 75 countries; XSD validation of generated XML against official ISO 20022 schemas

Security

XXE prevention via defusedxml for all XML parsing operations; Path traversal protection with strict directory allowlist; PII masking in structured JSON logs for GDPR and PCI DSS compliance

2026 readiness

Structured and hybrid postal address handling for CBPR+ and schema migrations; Stronger debtor, creditor, and agent data-quality validation; Version-aware generation across legacy and current pacs.008 revisions

See it in action

# Install
$ pip install pacs008

# Generate a pacs.008 message
from pacs008 import Pacs008Generator

gen = Pacs008Generator()
msg = gen.create(
    debtor="ACME Corp",
    creditor="Global Bank",
    amount=50000.00,
    currency="EUR"
)
gen.validate(msg)   # XSD + business rules
gen.to_xml(msg)     # ISO 20022 XML

Open-source and standards-driven

ISO 20022 compliant

Built against official ISO 20022 message schemas and SWIFT guidelines

Open source

MIT-licensed on GitHub with full transparency and community contributions

Available on PyPI

Production-ready Python package with semantic versioning