Sebastien Rousseau
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ISO 20022 · PAIN.001 · MT→MX MIGRATION

pain001 — automating ISO 20022 payment files

Cited in the EPAA Quantum-Safe Payments white paper (September 2025). Open-source, audited from day one — no proprietary translator between your ERP and the clearing network.

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Cited in the EPAA Quantum-Safe Payments white paper (September 2025). Open-source, audited from day one — no proprietary translator between your ERP and the clearing network.

Problem

The global MT → MX migration forces every bank and corporate treasury to produce structured pain.001 messages. Most teams hand-roll brittle XML or buy opaque proprietary translators. Both routes ship payment errors into clearing networks and leave no audit trail.

What I built

An open-source Python library that generates validated ISO 20022 pain.001 (Customer Credit Transfer Initiation) messages from CSV / SQLite / Parquet. Pre-flight XSD validation, IBAN / BIC checksums, PII masking, and full XSD schema conformance — all inside a Python workflow that drops into existing ERP and treasury pipelines.

By the numbers

pain.001
Customer Credit Transfer Initiation
XSD-validated
Pre-flight on every message
IBAN + BIC + LEI
ISO 7064 Modulo 97-10 checksums
Apache-2.0 / MIT
Free to use, fork, audit

Engineering rigour

  • ISO 20022 messages supported

    pain.001 (Customer Credit Transfer Initiation)

  • Schema conformance

    Official XSD validation pre-flight on every message

  • Validators shipped

    IBAN check-digit + BIC + LEI checksum (ISO 7064 Modulo 97-10)

  • License

    Apache-2.0 / MIT — free to use, fork, audit

Independently verified

  • Cited in EPAA Quantum-Safe Payments white paper (September 2025)
  • Featured in articles published on sebastienrousseau.com since 2023-09

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