How are the ISO 20022 messages built?

The ISO 20022 messages come from the ISO 20022 website where the messages are publicly available. The version used for each message is the most common version found in Europe payments industry, which may not be the latest available ISO 20022 version.

Mambu Payments applies an additional set of rules and restrictions upon the vanilla ISO 20022 messages, which are thoroughly documented in each message dedicated documentation and XSDs. As a general rule of thumb, the rules and restrictions concern:

• The list of attributes supported by Mambu Payments, which is a subset of the vanilla ISO 20022 list: if an attribute is not supported by Mambu Payments, it will be ignored, i.e. Mambu Payments accepts the attribute but will not forward it internally
• The change of type or code of an attribute, including for example:
  • a smaller maximum length for text attributes, e.g. Text 70 instead of Text 140
  • a restricted pattern for text attributes, e.g. forbid leading and trailing spaces in a text attribute
  • the precision on ISODateTime format: the timezone is mandatory to avoid any confusion on the date time interpretation. Fractional seconds are fixed to 0 or 3 digits for interoperability purposes.
• The change of multiplicity, including for example:
  • an attribute made mandatory in Mambu Payments, e.g. the debtor name
  • a limitation of the maximum number of occurrences allowed for an attribute, e.g. 2 maximum address lines instead of 7 allowed in vanilla ISO 20022.

What contains the Mambu Payments ISO 20022 message pack?

Each Mambu Payments ISO 20022 message is described by:

• A comprehensive Excel document called <message_name>_mp_iso.xlsx
• An XSD that reflects the document called <message_name>_mp_iso.xsd
• An additional set of business rules described in the dedicated sections of the next pages.

Structure of a Mambu Payments ISO 20022 Excel document

An example of Mambu Payments ISO 20022 message is provided here.

This document contains 4 tabs:

• General information about the message, disclaimer and legends
• The full view of the list of vanilla ISO 20022 attributes and the changes operated by Mambu Payments
• The light view of the list of attributes supported by Mambu Payments
• The legal notices