SWIFT Payments Overview

Send and receive international wire transfers through SWIFT with a single API. The platform handles the SWIFT stack for you - message building and signing, correspondent routing, network tracking and Universal Confirmations compliance. The integration model is simple:

You call one API - create, return or cancel payments; no SWIFT message knowledge needed
Statuses come to you as webhooks - the platform tracks every payment on the SWIFT network and pushes each change to you

Capabilities

Direction	What you can do	Guide
Outbound	Create international transfers	Send payments
Outbound	Understand statuses and webhooks of sent payments	Payment statuses
Outbound	Cancel a payment before or after it is sent	Cancellation
Inbound	Receive and auto-confirm payments (default mode)	Automatic confirmation
Inbound	Hold payments for compliance review before crediting	Manual confirmation
Inbound	Return received funds to the sender	Payment returns
Inbound	Respond to incoming cancellation requests	Respond to cancellation requests
Accounts	Download camt.052/053/054 statements	Statements

Before you start

Authenticate

Obtain an OAuth 2.0 bearer token - see Authentication.

Set up webhooks

Test in the sandbox

All examples use the sandbox base URL (api.pgw-sandbox.finventi.com). Verify your flows there before going live.

Reference: supported SWIFT messages

The platform speaks CBPR+ (ISO 20022) on the SWIFT network. The messages below are handled for you and listed here for reference and reconciliation. Sent by the platform (outbound)

Message	Purpose
`pacs.008`	Customer credit transfer - the outbound payment
`pacs.004`	Payment return (incl. return following cancellation, FOCR)
`pacs.002`	Payment status report
`camt.056`	Payment cancellation request
`camt.029`	Resolution of investigation - cancellation response
`trck.001`	Universal Confirmation to the gpi Tracker

Processed by the platform (inbound)

Message	Purpose
`pacs.008`	Incoming customer credit transfer (Auto / Manual confirmation)
`pacs.009`	Financial-institution transfer / cover - CORE and COV
`pacs.004`	Return of a payment you sent
`pacs.002`	Payment status report
`camt.056`	Incoming cancellation request
`camt.029`	Cancellation response
`camt.052` / `camt.053` / `camt.054`	Account report / statement / debit-credit notification
`FIN 199` / `FIN 940`	Correspondent status message / MT940 statement
Transmission report	Network delivery report

ISO 20022 message versions are the CBPR+ set (for example pacs.008.001.08). Version handling is managed by the platform; you do not need to track it.

Last modified on August 5, 2026

⌘I

Getting Started

Integration Guide

Account Management

SEPA Instant/SCT

SEPA Direct Debit

SWIFT Payments

Payment Information

Investigations (Preview)

Nostro Accounts

Bank Information

Webhooks

Capabilities

Before you start

Reference: supported SWIFT messages

​Capabilities

​Before you start

​Reference: supported SWIFT messages

Capabilities

Before you start

Reference: supported SWIFT messages