Server-to-Server MT103 Payment Processing Service

We provide a fully automated server-to-server MT103 processing solution that enables seamless, high-volume cross-border payments through direct SWIFT integration. Our API-driven platform allows banks, fintechs, and payment providers to initiate, track, and reconcile MT103 transactions without manual intervention.

Key Features of Our Server-to-Server MT103 Service

✔ Direct SWIFT Network Integration
✔ Fully API-Driven Processing
✔ GPI-Enabled for Real-Time Tracking
✔ Automated Compliance Screening
✔ High-Volume Processing Capability
✔ End-to-End Payment Status Monitoring
✔ Automated Reconciliation Reporting

Technical Implementation Process

1. API Connection Setup

• We provide secure REST API endpoints for:

  • Payment initiation

  • Status queries

  • Reporting

• Supports JSON/XML message formats

• Mutual TLS authentication

2. Payment Initiation Flow

1. Client System POSTs Payment Request to our API endpoint

   json

   { "transaction_reference": "TX20231115-001", "sender_bic": "YOURBANKXX", "beneficiary_bic": "THEIRBANKYY", "beneficiary_account": "YY123456789", "amount": "10000.00",
   "currency": "USD",
   "value_date": "20231116"
   , "remittance_info": "Invoice 12345" }

2. Automated Compliance Processing

   • Real-time AML/CTF screening

   • Sanctions list checking

   • Fraud pattern detection

3. MT103 Generation & Transmission

   • System auto-generates valid MT103 message

   • Routes via most efficient SWIFT path

   • Applies UETR for GPI tracking

3. Payment Status Monitoring

• Real-time status updates via:

  • Webhook callbacks

  • API status queries

  • Dashboard visualization

• Automated MT199 (pre-advice) and MT910 (confirmation) processing

4. Reconciliation & Reporting

• Automated daily reconciliation files

• Transaction reporting API

• Exception handling alerts

Integration Options

1. Direct API Integration

   • Full-featured REST API

   • Comprehensive developer documentation

   • SDKs available for Java/Python/.NET

2. SFTP Batch Processing

   • Scheduled file-based processing

   • Automated retry mechanisms

   • Comprehensive ACK/NACK reporting

3. Hosted Payment Hub

   • White-labeled web interface

   • Multi-bank connectivity

   • Built-in compliance engine

Who Should Use This Service?

• Neobanks & Digital Banks needing SWIFT connectivity

• Payment Processors expanding to cross-border

• Corporate Treasury Systems requiring automation

• Fintech Platforms adding wire capabilities

• Crypto Platforms needing fiat off-ramps

Get Started with Our MT103 API:
[API Documentation] | [Sandbox Access] | [Integration Support]