Pain001 is a Python library designed to automate the creation of ISO 20022-compliant payment files, specifically focusing on payment initiation messages known as pain.001. The toolkit addresses the needs of organizations and individuals involved in cross-border payments by simplifying and standardizing the generation of payment files in accordance with the ISO 20022 global standard. This standard is widely used by banks, corporations, and financial institutions to ensure harmonized and structured financial data exchange, improving data quality, transparency, and regulatory compliance in payment processing. The library supports the creation of payment initiation files from CSV or SQLite data sources, reducing the need for manual data entry and validation. By automating these processes, Pain001 helps minimize errors, lower operational costs, and increase the efficiency of payment workflows. It validates all generated files to ensure they meet ISO 20022 standards, which is particularly important for compliance with regulations such as AML/CFT and PSD2. The toolkit is suitable for a range of payment networks, including SWIFT, SEPA, CHAPS, BACS, and Faster Payments, and accommodates both SEPA and non-SEPA credit transfers, making it adaptable for use across different countries and regions. Pain001 is open-source and free to use, making it accessible to both developers and non-developers. The library is designed for ease of use, requiring minimal coding knowledge, and offers customization options to tailor output to specific business requirements. Security is emphasized, with no sensitive data stored by the library, ensuring confidentiality throughout the payment file creation process. Its scalability allows it to handle varying volumes of payment files, making it suitable for businesses of different sizes and transaction volumes. As a Python package, it integrates smoothly with Python-based applications and existing workflows. Overall, Pain001 serves as a specialized toolkit for automating ISO 20022 payment file creation, supporting organizations in adopting and migrating to this international standard for cross-border payment initiation.
pain001-mcp is a Frameworks & SDKs product. Enabling developers to expose ISO 20022 Customer Credit Transfer Initiation functionality as agent tools via a Model Context Protocol server. It is built as an open-source project for developers building financial agent tools. pain001-mcp is open source under the Apache-2.0 license. pain001-mcp is available on the web, the command line, and API, and it can be self-hosted.
It is developed by Sébastien Rousseau, and the product first shipped in 2026. Development happens publicly on GitHub with 23 commits in the last 90 days. Key capabilities include MCP server, ISO 20022 support, and credit transfer initiation. It exposes integrations via an MCP server and a public API.
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