May 05, 2019

ISO 20022-to-ACH Mapping Guide

Nacha's ISO 20022-to-ACH Mapping Guide & Tool allows financial institutions to support businesses that leverage ISO 20022 by providing standardized guidance to facilitate translation of ISO 20022 pain.001 (credit) and pain.008 (debit) messages into ACH transactions, and by providing standardized guidance for translating ACH reject/return messages to corresponding ISO 20022 payment status and treasury reporting messages (pain.002 and camt.053).

About ISO 20022 and Nacha’s ISO 20022 Mapping Guide & Tool

ISO 20022, which was developed by the International Organization for Standardization (ISO), is the global messaging standard for financial business transactions, including payments. Today, many multinational companies are utilizing this standard as part of their accounts payable, accounts receivable and treasury functions. In order to facilitate the integration of ISO 20022 payment messages, Nacha has developed an ISO 20022-to-ACH Mapping Guide & Tool to assist financial institutions in translating ISO 20022 instructions for their corporate customers into ACH transactions.

How it Works

Utilizing the ISO 20022-to-ACH Mapping Guide & Tool, financial institutions can receive an ISO 20022 pain.001 or pain.008 message and translate the messages to corresponding ACH Network business and consumer transactions, including CCD, CTX, PPD, IAT and Same Day ACH. The ISO 20022-to-ACH Mapping Guide & Tool also facilitates the translation of ACH return/reject transactions to corresponding pain.002 and camt.053 messages to support clients that wish to receive ISO 20022 messages for these use cases. As part of its ISO 20022 integration strategy for the ACH Network, Nacha will continue to explore options to extend its mapping guidance to address additional industry needs to help bring the benefit of consistency to all organizations and payments.  

What’s In It For You

Nacha’s ISO 20022-to-ACH Mapping Guide & Tool provides a standardized way for financial institutions to translate ISO 20022 messages, creating consistency and standard processes, which ultimately enhance and improve operational processes, and certainty.

By utilizing Nacha’s ISO 20022-to-ACH Mapping Guide & Tool, financial institutions can also better support the needs of its corporate customers that use ISO 20022 to execute ACH payments. Use of the Mapping Guide & Tool enables corporations to streamline their own processes, enhance efficiencies and reduce overhead, resulting in cost savings. 

Additionally, use of Nacha’s ISO 20022-to-ACH Mapping Guide & Tool serves as a means to generate greater support and adoption of ISO 20022 in the U.S., enabling financial institutions to help align the U.S. payments infrastructure with that of the global community.   

Download the ISO 20022-to-ACH Mapping Guide & Tool

The ISO 20022-to-ACH Mapping Guide & Tool is comprised of eight documents. For each ISO 20022 message, there is a word document that provides background, explanation and examples, and this corresponds to a spreadsheet that provides the detailed data mapping between the ISO 20022 messages and the corresponding ACH transactions. You can download individual documents, or you can download a zip file with all eight documents.

Download ACH Mapping Guide