> ## Documentation Index
> Fetch the complete documentation index at: https://docs.iso20022js.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Learn about ISO20022 and how to use this library

## Introduction

Learn how to communicate with banks using ISO20022 standards to move money or ingest financial data. Some examples of how companies may use `iso20022.js` include:

* Powering payments for a utility company in Spain
* Automating payments to content creators throughout Europe
* Running cash advance programs in the U.S.

### Payment Initiation (PAIN)

Create payment initiation messages to [instruct your bank to send money on your behalf](/pain/swiftcredit).

Currently we support money movement for the following payment types:

* **[ACH](/pain/achcredit)**
* **[SEPA](/pain/sepacredit)**
* **[SWIFT](/pain/swiftcredit)**
* **[U.S. Real Time Payment](/pain/rtpcredit)**

If you're looking for a payment rail that's currently in development, please email us at [iso20022js@woodside.sh](mailto:iso20022js@woodside.sh). Rails that are currently in development include:

* **[U.S. Fedwire](mailto:iso20022js@woodside.sh)**
* **[Australian BECS](mailto:iso20022js@woodside.sh)**
* **[Canadian EFT](mailto:iso20022js@woodside.sh)**
* **[Chinese CNAPS](mailto:iso20022js@woodside.sh)**

### Cash Management (CAMT)

Ingest Cash Management XML files to [retrieve current day balances and transactional information](/camt/camt) from your bank.

The mission of this library is to connect the most widely used programming language to the most widely used payment standard. If there's a usecase that you're looking for, please email us at [iso20022js@woodside.sh](mailto:iso20022js@woodside.sh).

<CardGroup cols={1}>
  <Card title="Quickstart Guide" icon="rocket">
    Get started quickly with our step-by-step guide on how to send a SWIFT wire using `iso20022.js`
  </Card>
</CardGroup>

## Primer on ISO20022

ISO20022 is a set of modern file-based messaging standards that allow a company to programatically communicate with their bank. You can use it to send payment or ingest financial data. Within the ISO20022 standard are a few namespaces that enables different sets of capabilities.

| Namespace                               | Capability                                                                 |
| --------------------------------------- | -------------------------------------------------------------------------- |
| Payment Initiation (pain)               | Used to initiate a payment from a company to a bank                        |
| Cash Management (camt)                  | Used to send or receive transactional information and balances from a bank |
| Payments Clearing and Settlement (pacs) | Used to settle payments between banks                                      |

There are many more namespaces of ISO20022, but this is what's currently supported by the library, which enables companies to talk with banks to move money.