Introduction
Swift payments are sent using standardised message formats to enable their global reach. The industry is moving away from the MT103 format for these messages and adopting new MX standards. MX is a newer Swift message standard using an XML format based on ISO 20022.
Since November 2025, all client Swift payments are sent as a pacs.008. message rather than MT103. This is accepted as proof of payment and includes all payment details such as date, amount, currency, sender and recipient.
This short document describes how MT103 / pacs.008 information for a payment can be retrieved from our payment platform, the information is available for payments that are sent through the Swift network, i.e. priority payments. This information can be accessed from both Currencycloud Direct and our API.
Currencycloud Direct
After finding a payment on the Currencycloud Direct UI, the details of the payment can be presented by clicking on the payment entry shown on the screen. If there is MT103 or pacs.008 information available for the selected payment, this will be shown on the bottom of the payment details, as per the screenshot below.
API
In order to retrieve MT103 information through the API, call our Get Payment Submission Information endpoint, passing the payment ID.
If MT103 or pacs.008 information for the payment exists, this will be returned as an API response. Example responses are shown below.
MT103:
{
"status": null,
"submission_ref": null,
"format": "MT103",
"message": "{1:F01TCCLGB22AXXX4226136150}{2:I103BARCDEFFXXXXN}{3:{111:001}..."
}
pacs.008:
{
"status": null,
"submission_ref": null,
"format": "PACS008",
"message": "<AppHdr xmlns="urn:iso:std:iso:20022:tech:xsd:head.001.001.02"> ..."
}Please note, it is important to ensure you are using the Get Payment Submission Information endpoint, as the Get Payment Submission endpoint is deprecated and will be removed in October 2025.
If you have any questions, please contact us at support@currencycloud.com or contact your account manager.