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.
No signup required. Free while in beta.
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.
Catch errors before the bank does
Three things RailCheck handles so you don't have to.
pain.001 v9 validation
Structural and business-rule checks against the ISO 20022 standard, with clear error messages and XPath locations.
US bank overlays
Specific rules for JPMorgan, Bank of America, and Citibank. Catch the bank-specific errors that generic validators miss.
REST API
One endpoint, one file, structured JSON response. Built for CI/CD pipelines and ERP integrations.
Built for people who ship payment files
ERP implementation partners
Validate client files before they hit the bank portal. Reduce back-and-forth. Ship implementations on time.
Treasury teams
Catch rejections before submission. Track structured address compliance ahead of the November 2026 deadline.
Fintech developers
Integrate validation into your app with a single API call. No more building your own validation logic.
What RailCheck validates today
Honest coverage. No overclaiming.
Available now
- ✓ Fedwire pain.001 v9 — 14 rules
- ✓ CHIPS — clearing system member ID checks
- ✓ SEPA Credit Transfer — 9 rules
- ✓ SEPA Instant Credit Transfer — 11 rules
- ✓ JPMorgan, Bank of America, Citibank overlays
- ✓ Structured address checks (Nov 2026 deadline)
Coming soon
- ○ XSD schema validation
- ○ ACH (Nacha) support
- ○ Wells Fargo, U.S. Bank overlays
- ○ pain.002 simulation
- ○ camt.053 statement validation
Try it free
No signup required. Upload a pain.001 file and see the full validation report in seconds.
Open the API docs →Questions? contact@railcheck.io