[!IMPORTANT] Introducing Fiat Web Services, a managed platform and SDK to save and send B2B payments.

Check it out at https://fiatwebservices.com.

iso20022.js

This package is meant for companies using ISO20022 to send and receive payment information, specifically initiating SEPA, ACH, FedWire, RTP, SWIFT payments and receiving cash management files.

Read the Docs: https://docs.iso20022js.com

The mission of this NPM package is to connect the most widely used programming language to the most widely used payment standard.

If you're interested in using iso20022.js and would like to use different payment types or ingest files using CAMT, please email iso20022js@woodside.sh.

Installation

npm install iso20022.js

Examples

Examples of ISO20022 messages being created across different payment types:

npx tsx examples/sepa-credit-transfer.ts
npx tsx examples/rtp-credit-transfer.ts
npx tsx examples/swift-credit-transfer.ts

Usage

Payment Initiation: Sending a SEPA Transfer

import { ISO20022 } from 'iso20022.js';

const iso20022 = new ISO20022({
  initiatingParty: {
    name: 'Acme Corporation',
    id: 'ACMECORP',
    account: {
      iban: 'ES1234567890123456789012'
    },
    agent: {
      bic: 'BANKESMMXXX',
      bankAddress: {
        country: 'ES'
      }
    }
  },
});

const creditPaymentInitiation = iso20022.createSEPACreditPaymentInitiation([
  {
    type: 'sepa',
    direction: 'credit',
    amount: 1000,
    currency: 'EUR',
    creditor: {
      name: 'Hans Schmidt',
      account: {
        iban: 'DE1234567890123456789012'
      },
      agent: {
        bic: 'DEUTDEFFXXX'
      },
      address: {
        streetName: 'Example Street',
        buildingNumber: '123',
        townName: 'Berlin',
        countrySubDivision: 'Berlin',
        postalCode: '10115',
        country: 'DE'
      }
    }
  }
]);

console.log(creditPaymentInitiation.toString());

Cash Management: Ingesting a CAMT.053 file

import { CashManagementEndOfDayReport } from 'iso20022.js';

const xml = fs.readFileSync('balance_report.xml', 'utf8');
const report = CashManagementEndOfDayReport.fromXML(xml);

console.log(report.transactions);

Testing

npm run test

About ISO20022

ISO20022 is the standard format for financial transactions. This library aims to build a powerful yet simple API to create these files, following Typescript conventions.

You might want to use this package if you need to create these types of files.

Features

Reasons to use iso20022.js

Security

iso20022.js is local, open source, and free to use. This means that payment instructions are created on your machine, not on a remote server.

We take security seriously, and are consistently looking for ways to improve. If you have any suggestions or find any security issues, please open an issue.

NOTE: We are tracking the libxmljs vulnerability, a dependency we use in our unit tests and have a plan to deprecate. Note that production use of iso20022.js is not affected by this vulnerability.