Validates a SWIFT MT103 (customer credit transfer) or MT202 (FI transfer) message body against mandatory-field rules, field-format rules (dates, currency, BIC, charges code), and IBAN checksums. Use this before submitting or forwarding an MT message, or when an agent needs to check a message it generated or received is well-formed.

Validates an ISO 20022 MX message (pacs.008 or pacs.009 XML) for structural issues: missing MsgId, malformed currency codes, invalid BICFI values, invalid IBAN checksums, and unstructured-address usage flagged against SWIFT's November 2026 CBPR+ structured-address requirement. Not a full XSD validator — use for a fast pre-check before schema validation.

Checks whether a string is a structurally valid BIC (8 or 11 characters: 4-letter bank code, 2-letter country code, 2-char location code, optional 3-char branch code).

Checks whether a string is a structurally valid IBAN and passes the ISO 7064 mod-97 checksum.

Parses a SWIFT MT103 message and maps its fields to the equivalent ISO 20022 pacs.008 fields (MsgId, IntrBkSttlmDt, IntrBkSttlmAmt, Ccy, ChrgBr, Dbtr/Cdtr name and account). Returns a simplified field map plus notes on anything that couldn't be confidently mapped — not a full XML generator, intended for agents that need a quick MT-to-MX field bridge.

Parses a SWIFT MT202 (General Financial Institution Transfer) message and maps its fields to the equivalent ISO 20022 pacs.009 fields (MsgId, EndToEndId, IntrBkSttlmDt, IntrBkSttlmAmt, Ccy, InstgAgt/InstdAgt/IntrmyAgt1 BICs). Unlike MT103, MT202 moves money bank-to-bank so there is no customer-level Dbtr/Cdtr — only institution BICs. Returns notes on anything not confidently mapped.

Parses an ISO 20022 pacs.008 XML message and maps its fields back to SWIFT MT103 field tags (:20:, :23B:, :32A:, :50K:, :59:, :71A:). Useful during the SWIFT MT/MX coexistence period when a downstream system still expects MT format. Deliberately conservative — only maps fields it can extract with confidence and flags the rest in the notes array rather than guessing.