ISO 20022, Payment Flows & Banking Communications
Ensure the reliability of your payment flows, secure your banking communications, and complete your ISO 20022 migration without any service disruption. A controlled data chain, from the reference system all the way to the bank.
Your Challenges in Payments and Banking Communications
As of July 2026, Swift still accounted for nearly 58% of unstructured addresses in cross-border payment traffic.
The deadline has been extended to August 2026; the requirement, however, has not. The issue remains unresolved, with a shorter timeframe now in place.
You would like to :
- Want to know how your third-party reference standards and addresses actually measure up against ISO 20022 requirements?
- Streamline payment flows spread across multiple channels and banks?
- Should you streamline your payment processing through a payment factory or a payment hub?
- Want to reduce the amount of manual work involved in your bank reconciliations?
Tailor-made solutions
Our ISO 20022 and Banking Communications Services
We work with finance departments, treasurers, and finance CIOs to improve the reliability and standardization of their payment flows to banks and partners.
ISO 20022 Migration[
- Data Chain Validation: Third-Party Datasets, Addresses, IBANs and BICs, Purpose Codes
- Impact Analysis on Formats (MT/MX, pain, camt, pacs) and Remediation Plan
- Migration path, project management, and end-to-end acceptance testing
Updated timeline: Swift has postponed the phase-out of unstructured addresses, originally scheduled for November 14, 2026, to August 27, 2026. A new date will be announced by December 2026. The requirement itself remains in full effect.
Banking Communications
- EBICS connectivity, SWIFTNet (FIN, FileAct), back-office services, banking APIs
- Electronic Account Management (eBAM), Authorizations, and Signatures
- Protocol Migration and Securing Critical Data Flows
Payment Factory, Hub, and Orchestration
- Framework for the Model: Centralization, Payments on Behalf of Third Parties
- Target Architecture and Component Selection
- Partner Integration and Workflow Orchestration
Compliance and Risk Management
- PSD2, AML, KYT, and KYC, Verification of the Payee (VoP)
- Controls built into workflows, separation of duties, auditability
- Fraud Scenarios and Remediation Plans
Relevant profiles
Who is this offer for regarding payments and banking communications?
We most often work with:
- Companies that make payments to multiple banks and multiple countries
- Groups whose third-party reference frameworks have been built through successive layers
- Financial departments are working to centralize disbursements
- Banks and payment institutions undertaking a migration of formats or protocols
OUR SUPPORT
Our Approach to Managing Your ISO 20022 and Banking Communications Project
Each switchover is preceded by an end-to-end acceptance test with the relevant bank. No critical workflow goes live without a signed acceptance report.
Data and Flow Diagnostics
Mapping of workflows, protocols, and reference frameworks; measurement of the non-compliance rate; remediation plan.
Trajectory and Design
Target architecture, field-by-field mapping specifications, business rules.
Recipe
Test suites by workflow and by bank, multi-party acceptance testing, test reports.
Transition and Adoption
Gradual rollout by critical workflows, hypercare, and skills transfer.
SQORUS expertise
Experts in payments and banking communications
Cash Management, Treasury, and Payments Business Analysis Manager
Migration path, multi-stakeholder governance, and the relationship between banks and software vendors.
Senior Business Analysis & PMO Consultant, Finance
Mapping specifications, acceptance testing, regulatory compliance.
Payments Business Analysis Consultants
Mapping specifications, acceptance testing, regulatory compliance.
The SQORUS Choice
SQORUS Expertise for Your Payment Workflow & ISO 20022
Field Experience
We have carried out connectivity and format migrations on critical data streams, including in the context of a bank merger. This included environments where service interruption was not an option.
Data Before Tools
We prioritize the quality of the data sources first, because no platform can correct incorrect data. An assessment of the data sources always precedes any decision regarding which tool to use.
Independence
No licenses sold, no partnerships with publishers to uphold during arbitration. We remain your counterweight to the publisher during arbitration.
A Dedicated Team
The Cash Management & Treasury IT Team at SQORUS
Yann SAINTE-ROSE
Cash Management, Treasury & Payments Manager.
Active member of AFTE
Samy BENCHEIKH
Senior Business Analysis & PMO Consultant, Finance
Certified SAFe Product Owner / Product Manager
Jérôme FLEURET
Senior Manager, Finance & Business Transformation
Lionel CHEMLA
Director of Finance & Business Transformation
ISO 20022 Guide – 6 Steps to Prevent Payment Rejections
Unstructured addresses will soon be permanently rejected by banks. No exceptions. No extensions. Ensure a smooth transition with our guide!
Our Experience
They entrusted us with their Treasury Information System
1
Merger of Two Banking Networks
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Mapping of affected data flows, SWIFTNet and EBICS migration, impact analysis on MT and MX formats, and management of end-to-end acceptance testing.
2
International Tourism Group
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Design of a Payment Factory and implementation of payment orchestration, with contractual safeguards in a multi-rights environment.
3
Corporate clients of a banking network
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Cash pooling migration strategies, format adaptation, and preparation for the transition to ISO 20022.
All solutions on the market, with no commitment to a specific vendor
- Protocols: EBICS, SWIFTNet (FIN, FileAct), service bureau, SFTP, banking APIs.
- Formats: ISO 20022 (PAIN, CAMT, PACS), SEPA (SCT, SDD, SCT Inst), SWIFT MT and MX.
- Platforms: Finastra (ePF, CTI), Kyriba, Diapason, Axway, payment orchestrators.
Take control of your financial information system
Contact us if you’re not quite sure where you stand with ISO 20022. That’s already a step in the right direction. It only takes 30 minutes to turn that into a clear path forward!
Guide – Payment Factory, Hub & Orchestrator Program
Are you leading a payments transformation program? Before choosing your architecture, take the time to identify your risk areas: that’s what sets a successful transformation apart from those that will become tomorrow’s legacy systems.
Our offers tailored to your needs
Our Financial Transformation offer
Cash Management
AMOA Source to Pay (S2P)
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