Payments
5 data model standards serving payments. Every one confirmed against its steward's own site.
| Standard | Steward | Origin | Layer | Access | Modernity |
|---|---|---|---|---|---|
| ISO 12812 mobile financial services | ISO TC 68 | International | Information Model | spec sold | 47.7 Legacy |
| ISO 13616 IBAN | ISO / SWIFT | International | Code System | spec sold | — |
| ISO 8583 | ISO | International Switzerland | Exchange Schema | spec sold | — |
| Nacha ACH file format | Nacha | — | Exchange Schema | open | — |
| SEPA payment schemes (pain/pacs subsets) | European Payments Council | Europe Belgium | Exchange Schema | — | 50.7 Modernizing |