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pacs008 | ISO 20022 Payment Message Toolkit and API

The open-source ISO 20022 validator with scheme-aware rules for CBPR+, CHAPS, Fedwire, HVPS+, T2 RTGS and SCT Inst. Versioned rules, dated sources, reproducible reports. Run it in your browser, or from Python, the CLI or a REST service.

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Know what CBPR+ and CHAPS will reject — before you send it.

The open-source ISO 20022 validator with scheme-aware rules for CBPR+, CHAPS, Fedwire, HVPS+, T2 RTGS and SCT Inst. Versioned rules, dated sources, reproducible reports. Run it in your browser, or from Python, the CLI or a REST service.

Key Capabilities

  • 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.

Installation & Quickstart

 pip install pacs008

Read the full API & CLI Reference and Selection Guide.