CBPR + and HVPS +

After November 2025, the MT message format used by SWIFT will no longer be supported on the SWIFT network. This transition requires all network participants to adopt the ISO 20022 standard payment messages discussed in earlier chapters.

To facilitate this migration, SWIFT has introduced two dedicated programs:

  • CBPR+ (Cross-Border Payment Reporting Plus)
  • HVPS+ (High-Value Payment Systems Plus)

CBPR + and HVPS + programs assist participants in transitioning from SWIFT MT messages to the ISO 20022 messages, referred to as MX messages. IN CBPR+ and HVPS +, SWIFT has provided guidelines for translating MT messages into their MX equivalents. Rather than directly adopting the vanilla ISO 20022 messages, SWIFT implemented modifications to ISO Xsd’s to align the messages with the legacy MT format.

For example, The Street Name field in the standard ISO 20022 message allows a length of 140 characters but the CBPR+ and HVPS+ messages restrict it to 70 characters to make it consistent with MT messages.

Participants can access the detailed CBPR+ and HVPS+ guidelines via the following links:

  • https://www2.swift.com/mystandards/#/c/cbpr/landing
  • https://www2.swift.com/mystandards/#/group/HVPSPlus

Converting MT messages to MX messages can be a complex process. Organizations like Prowide, Payments Components, and Volante, offer specialized solutions to support banks in migrating from MT to MX hassle-free.

Below is a list mapping MT messages to their ISO 20022 counterparts:

Category MT Message ISO 20022 (MX) Equivalent
Category 1 MT 101 pain.001.001.09
MT 102 pacs.008.001.08
MT 103 pacs.008.001.08
MT 103 REMIT pacs.008.001.08
MT 103 STP pacs.008.001.08
MT 103 /RETN/ pacs.004.001.09
MT 104 / MT 107 pain.008.001.08 / pacs.003.001.08
MT 110 camt.107.001.01
MT 111 camt.108.001.01
MT 112 camt.109.001.01
MT 190 camt.105.001.02 (Single Transaction)
MT 191 camt.106.001.02 (Single Transaction)
MT 192 camt.056.001.08
MT 196 camt.029.001.09 / camt.111.001.01
MT 195 (Query) camt.110.001.01
MT 199 (Investigation Request / Response) camt.110.001.01 / camt.111.001.01 / admi.024.001.01
Category 2 MT 200 pacs.009.001.08
MT 201 pacs.009.001.08
MT 202 pacs.009.001.08
MT 202 (ADV) pacs.009.001.08 ADV
MT 202 COV pacs.009.001.08 COV
MT 202 /RETN/ pacs.004.001.09
MT 203 pacs.009.001.08
MT 204 pacs.010.001.03
MT 205 pacs.009.001.08
MT 205 COV pacs.009.001.08 COV
MT 205 /RETN/ pacs.004.001.09
MT 210 camt.057.001.06
MT 290 camt.105.001.02 (Single Transaction)
MT 291 camt.106.001.02 (Single Transaction)
MT 292 camt.056.001.08
MT 295(Query) camt.110.001.01
MT 296 (Response) camt.029.001.09 / camt.111.001.01
MT 299(Request / Response) camt.110.001.01 / camt.111.001.01 / admi.024.001.01
Category 9 MT 900 camt.054.001.08
MT 910 camt.054.001.08
MT 920 camt.060.001.05
MT 935 camt.053.001.08
MT 940 camt.053.001.08
MT 941/942 camt.052.001.08
MT 950 camt.053.001.08

 

Example of a MT 202 Sample with its converted Pacs.009 Message

 

 

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