ISO 20022 validation for US payment rails

Catch Fedwire, CHIPS, and SEPA errors before they reach the bank. Built for ERP consultants, treasury teams, and fintech developers.

Free while in beta. Requires an API key.

Rejected files cost hours. Sometimes days.

When a payment file gets rejected, you find out after the fact - usually 24 to 48 hours later, with a vague error message from the bank.

By then, the payment is late, the client is asking questions, and you're back to debugging XML by hand.

Three things RailCheck handles so you don't have to.

Structural and business-rule checks against the ISO 20022 standard, with clear error messages and XPath locations.

Specific rules for JPMorgan, Bank of America, and Citibank. Catch the bank-specific errors that generic validators miss.

One endpoint, one file, structured JSON response. Built for CI/CD pipelines and ERP integrations.

Validate client files before they hit the bank portal. Reduce back-and-forth. Ship implementations on time.

Catch rejections before submission. Track structured address compliance ahead of the November 2026 deadline.

Integrate validation into your app with a single API call. No more building your own validation logic.

Honest coverage. No overclaiming.

Generate a free API key in our developer portal, upload a pain.001 file, and see the full validation report in seconds.