RTR ISO 20022 Message Specifications
The Real-Time Rail (RTR) will support faster payments 24/7/365 that are irrevocable, and use the ISO 20022 financial messaging standard for all transactions. The RTR will also act as a platform for innovation, allowing for the development of new products and services by third-party providers that will give Canadians new and faster ways to pay and transfer money.
These specifications* will allow RTR participants to prepare their existing applications to leverage the value of the ISO 20022 messaging standard at RTR go-live.
RTR ISO 20022 message specification companion document (pdf)
RTR business application header (head.001)(pdf)
RTR business application header (head.001)(excel)
RTR FI to FI customer credit transfer (pacs.008)(pdf)
RTR FI to FI customer credit transfer (pacs.008)(excel)
RTR FI to FI payment status report (pacs.002)(pdf)
RTR FI to FI payment status report (pacs.002)(excel)
RTR FI to FI payment status request (pacs.028)(pdf)
RTR FI to FI payment status request (pacs.028)(excel)
RTR message reject (admi.002)(pdf)
RTR message reject (admi.002)(excel)
RTR system event notification (admi.004)(pdf)
RTR system event notification (admi.004)(excel)
RTR system event acknowledgement (admi.011)(pdf)
RTR system event acknowledgement (admi.011)(excel)
Additional information related to the RTR ISO 20022 messages is available on SWIFT’s MyStandards web platform. Please email ISO20022@payments.ca for supporting information or questions.
*Latest version updated on 22-Apr-2022
ISO 20022 Message Flows for RTR
RTR flow for pacs.008*
RTR flow for pacs.028
RTR ISO 20022 message reject scenario admi.002
Application level heartbeat – RTR to RTR participant
*Latest version updated on 22-Apr-2022