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Idea from John Heinz


SWIFT ISO 20022: The Future of Cross Border Payments


Financial messaging network provider SWIFT’s ISO 20022 standard was first published in 2004, proposing an international open messaging rulebook to replace SWIFT’s existing messaging standards. It was designed to simplify and improve the way financial information is processed and exchanged worldwide more effectively. The planned migration to ISO20022 for cross-border payments was originally scheduled for November 2021.


John Heinz


  • ISO 20022
  • cross border payments
  • UPI
  • SEPA Instant Credit Transfer
  • and the Real-time Payments Network
  • Links

  • https://thepaypers.com/expert-opinion/swift-iso-20022-and-its-impact-on-cross-border-payments--1255646
  • https://www.paymentsjournal.com/whats-all-the-excitement-around-iso-20022/
  • https://www.swift.com/news-events/news/iso-20022-bytes-get-ready-november-2022