🧾 ISO 20022 XML Payment Message Generator

A user-friendly Streamlit application for generating ISO 20022 XML payment messages — specifically pacs.008 and pain.001 — compatible with SWIFT CBPR+ and Fedwire standards.

Supports:

• pacs.008.001.08 for FI-to-FI Customer Credit Transfers

  • Channels: SWIFT (CBPR+), Fedwire Domestic, Fedwire International, Fedwire US Tax Payment

• pain.001.001.09 for Customer Credit Transfer Initiation (SEPA)

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🚀 Features

• Generate ISO 20022 XML messages with dynamic form inputs
• Supports SWIFT (with AppHdr) and Fedwire formats
• Handles Domestic, International, and Tax Payment scenarios for Fedwire
• Automated exchange rate fetching & caching (with fallback to cache)
• Validation rules for USABA routing numbers and IRS tax payment fields
• SEPA-compliant pain.001 (IBAN mandatory)
• View and copy generated XML directly in the browser
• Built with Streamlit — no coding knowledge required

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📁 Folder Structure

├── app.py             # Main Streamlit UI application
├── xml_generator.py   # Core logic for XML message creation
├── exchange_rate_cache.json  # Cached FX rates (auto-generated)
├── .gitignore         # Ignores IDE/cache/env files
├── README.md          # Project overview and usage
└── requirements.txt   # Required packages

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⚙️ Installation

1. Clone the repository:

   git clone https://github.com/your-repo/iso20022-generator.git
   cd iso20022-generator

2. Set up a virtual environment (optional but recommended):

   python -m venv venv
   source venv/bin/activate  # On macOS/Linux
   venv\\Scripts\\activate   # On Windows

3. Install dependencies:

   pip install -r requirements.txt

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💻 How to Use

1. Run the app:

   streamlit run app.py

2. Open in browser (default: http://localhost:8501)

3. Select message type:

   • pacs.008 (SWIFT / Fedwire Domestic / Fedwire International / US Tax Payment)
   • pain.001 (SEPA)

4. Fill in form fields:

   • Parties, account IBANs / numbers, BIC codes / USABA routing numbers
   • Amounts, remittance info, settlement method
   • Tax details (for IRS payments)

5. Click Generate XML

6. Copy or download the generated XML from the output section

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📜 Output Example

• Proper namespaces and schema locations
• Optional AppHdr block (for SWIFT pacs.008)
• Interbank settlement data
• Remittance details and structured tax payment info (if applicable)
• Ultimate Debtor/Creditor and Initiating Party fields supported

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✅ Validation

You can validate the generated XML using:

• ISO 20022 XSD schemas (via xmllint, IDE plugins, or XML tools)
• SWIFT MyStandards

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📌 Improvements

• Added Initiating Party, Ultimate Debtor, and Ultimate Creditor support
• Added US Tax Payment (Fedwire) support with structured remittance info
• Added FX exchange rate fetching and caching
• Enhanced validation for tax fields and USABA agent details

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📄 License

This project is open-source and provided under the MIT License.

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🤝 Contributing

Feel free to open an Issue or submit a Pull Request with improvements or bug fixes.