Parse, transform, reconcile and route 34+ Australian payment formats. 48 supported platforms across ERPs, gateways, core banking, superannuation, fund registries and identity services. Pre-built format mappings, MT↔MX translation and payment factory routing.
Replace spreadsheets, custom scripts and manual processes with one platform. Parse any file, transform to any format, reconcile automatically.
Convert between 36+ source and 15+ target formats. ABA to ISO 20022, SWIFT MT to MX, BECS to ERP. All bi-directional, all field-level mapped.
Match bank statements against payment files with configurable tolerance. Auto-detect exceptions, generate variance reports, and flag unmatched items.
Convert legacy ABA batch files into individual NPP payment objects. Sub-second settlement via the New Payments Platform.
Describe what you need in plain English. "Extract debtor name, reference and amount as NAB format." PayBridge handles the mapping.
Upload any file — CSV, Excel, flat text, XML, JSON. PayBridge auto-detects the structure, identifies columns, and maps to your target format.
Generate output compatible with SAP IDoc, Oracle FBDI, Workday EIB, MYOB, Xero and QuickBooks import formats.
Upload a mixed-type file. PayBridge classifies each transaction — ABA, BPAY, OSKO, international — and generates the correct output for each channel.
Parse a file once, save the format profile. That profile becomes a reusable source format across Transform, Bulk, Field Mapper and AI Ingestor.
Visual column-to-field mapping for non-standard files. Map your CSV headers to ABA positions, pain.001 elements, or any target schema.
Drop any payment file into PayBridge — ABA, CSV, XML, MT940, Excel, flat text. No pre-configuration needed. The platform auto-detects the format and structure.
Every field is extracted, validated and mapped to PayBridge's canonical data model. BSBs are enriched with bank names. Amounts, dates, references — all normalised.
Choose your target format or let PayBridge auto-route. One click to generate pain.001, camt.053, ABA, MT103, SAP IDoc, Xero CSV — or describe what you need in English.
Download the output, send via SFTP, trigger a webhook, email to your team, or push to a connected platform. Scheduled delivery for recurring files.
| Category | Formats | Direction |
|---|---|---|
| AU Domestic | ABA, BECS DE, BPAY, NPP/OSKO, PayID, PayTo | 🔄 Parse & Generate |
| SWIFT MT | MT103, MT103STP, MT101, MT200, MT202, MT202COV, MT900, MT910, MT940, MT942, MT950 | 🔄 Parse & Generate |
| ISO 20022 Payments | pain.001, pain.002, pain.008, pacs.002, pacs.003, pacs.004, pacs.008, pacs.009 | 🔄 Parse & Generate |
| ISO 20022 Reporting | camt.052, camt.053, camt.054, camt.056, camt.029 | 🔄 Parse & Generate |
| Bank Statements | BAI2, MT940, MT942, camt.053 | 🔄 Parse & Generate |
| ERP | SAP IDoc, Oracle FBDI, Xero CSV, MYOB CSV, QuickBooks IIF, Workday EIB | 📤 Generate |
| Card | Visa TDR, Mastercard IPM, AMEX | 📥 Parse |
| Super | SuperStream v3.0, SAFF | 🔄 Parse & Generate |
| Bank-specific | NAI (NAB), CBA DE, WBC DE, ANZ DE | 📤 Generate |
Pre-built field mappings and format support for major platforms. File-based export ready, API connectivity available as platforms are onboarded.
Supports Xero-compatible CSV and journal formats. Connector framework ready for API onboarding.
Supports MYOB-compatible import formats for AccountRight and MYOB Business.
Supports QuickBooks-compatible IIF and journal formats for import.
Supports Sage-compatible formats for Business Cloud and Intacct.
Post journal entries via OData API. Legacy SAP ECC via IDoc flat file.
Oracle Fusion REST API or FBDI file-based data import for GL entries.
SuiteTalk REST API for vendor bills, journal entries and customer payments.
REST API or Enterprise Interface Builder file import for journals.
Supports BlackLine-compatible formats for reconciliation, journal entries and financial close.
Carat, Clover, First Data. Settlement files and transaction processing.
Payment processing, batch settlement and real-time status.
Payment gateway, 3DS authentication and tokenisation.
Payment management, fraud prevention and reporting.
Unified commerce, settlement reporting and payouts.
Real-time payments, fraud prevention and orchestration.
CGI core banking. Dominant in AU credit unions and mutuals.
Cloud-native core. Accounts, payments and ledger APIs.
T24/Transact. The world's most-deployed core banking platform.
Cloud-native banking. Popular with AU fintechs and neobanks.
Vault core banking. Smart contracts and real-time ledger.
Fusion suite. Banking, payments, lending and treasury.
Australia's payments hub. NPP, BPAY, eftpos, card switching.
AU real-time payments. NPP, PayTo, direct debit/credit.
Real-time payment rails. NPP, PayTo, payment agreements.
Australasian Settlements. Credit union settlement services.
Bill payment network. File generation and biller code validation.
NPP receivables addressing. Email, phone, ABN. Replacing BPAY for A2A payments.
Direct SuperStream v3.0 contribution messaging. Payday Super compliant.
Super clearing house for contribution processing and fund validation.
Supports SuperChoice-compatible contribution file formats.
Employment Hero automated super. End-to-end clearing with STP integration.
Westpac BPAY gateway. Super contributions and direct debit/credit.
ATO FVS — validate fund USI, ABN, bank details and member eligibility.
AP+ digital identity exchange. Verify via Big 4 banks — CBA, NAB, ANZ, Westpac.
NPP payee name verification. Match BSB + account to intended recipient.
Mandate-based real-time payments with customer pre-authorisation.
Super registry and administration. Contribution processing and member admin.
Fund administration and registry (formerly DST). HiPortfolio integration.
Super registry and contribution data processing. Member administration.
Insignia Financial/IOOF registry. Contribution allocation and receipting.
MLC wrap platform. Investment switching and member admin.
Major AU fund admin. Contribution receipting, unit pricing, rollovers.
Super administration, clearing house and registry.
Growing investment and super platform. Wrap administration.
Super and investment platform. Portfolio admin and reporting.
SMA and super admin. Portfolio management and custody.
Generate SAP IDoc flat files for RFC or SFTP delivery to ECC systems.
Oracle-formatted CSV and FBDI files ready for GL import.
MYOB AccountRight-compatible CSV for manual bank feed import.
Xero bank statement CSV format for drag-and-drop import.
QuickBooks IIF and CSV formats for desktop and online import.
Sage-compatible CSV for journal and transaction import.
Salesforce Revenue Cloud formatted CSV for data loader import.
Workday EIB-formatted CSV for Enterprise Interface Builder import.
BlackLine Import Template format for data ingestion and task creation.
Bank statement delivery via SFTP in MT940, BAI2 or camt.053 format.
SWIFT message and bank statement delivery via secure file transfer.
REST API or SFTP delivery of payment and reconciliation files.
Automated file delivery in ISO 20022 and SWIFT formats.
Bank statement and payment file routing via SFTP.
Trade and settlement file generation in standard formats.
MT and MX message generation for bank connectivity.
Real-time payment object generation for Australian bank APIs.
Join Australian businesses processing thousands of payment files daily with PayBridge.
Every feature designed for the formats, regulations and workflows Australian financial teams deal with daily.
34+ formats with full field mapping. Handles encoding, date formats and decimal conventions automatically.
Upload any file, see every field parsed into canonical structure. Validate and inspect transactions.
Cherry-pick from 24 canonical fields. Export to CSV, JSON or any format with custom labels.
Split batches or combine singles. ZIP, CSV, JSONL, flat text output modes including legacy.
Define column mappings and delimiters. Build exactly the output your systems need.
Save workflows. Apply via UI, API or SFTP. Schedule with cron, deliver via email.
Every operation delivers results to email. One-off or recurring. Your team gets files without logging in.
Volume measured by lines per file, not file count. All plans include AI support, core formats, BSB lookup, portal and API access. Add modules as you grow. Preview any module output free before enabling.
Available on any plan. Preview transformed output free — enable the module when you are ready to export.
Payment data is sensitive. Security is built into every layer — from encryption and access control to audit trails and regulatory compliance. No bolt-ons, no extras.
AES-256 for all files and data. Application-level encryption with rotating keys managed by AWS KMS. No unencrypted storage anywhere in the pipeline.
TLS 1.3 for all API traffic. SFTP with SSH key authentication. Certificate pinning for platform-to-platform communication. No unencrypted connections accepted.
Five roles: Owner, Admin, Operator, Developer, Read-only. Each with granular permissions for file access, transforms, team management and billing. Invite-only onboarding.
Minimum 8 characters with letter, number and special character. 90-day expiry with forced rotation. Temporary passwords expire in 24 hours. Configurable session timeout (5–480 minutes) with inactivity warning.
Every operation logged with user, timestamp, source format, target format, record count and outcome. Immutable audit log for compliance reporting. Exportable for regulatory review.
All data processed and stored in AWS ap-southeast-2 (Sydney, Australia). No data leaves Australian borders unless explicitly configured for international transfers.
Designed for Australian financial services. Privacy Act 1988 and APPs. Notifiable Data Breaches scheme. PCI DSS practices. SOC 2 Type II assessment in progress.
Code review on every change. Automated dependency scanning. Regular penetration testing. No production data in development environments. Vulnerability disclosure programme.
PayBridge is designed to support APRA-regulated entities — banks, insurers and superannuation funds — in meeting their CPS 230 operational resilience obligations.
PayBridge can be classified as a material service provider under CPS 230. We provide the contractual controls, audit rights and incident notification commitments that APRA requires for material arrangements.
Annually tested business continuity plans. Multi-AZ deployment in AWS Sydney. Automated failover. Recovery time objective (RTO) under 1 hour for critical services.
Enterprise contracts include audit rights for the customer and APRA. Access to relevant records, systems documentation and processing logs upon reasonable notice.
Material incidents notified within 4 hours. Detailed incident reports covering nature, impact, affected records and remediation steps. Post-incident review shared with customers.
Multi-tenant on AWS Sydney. Logically segmented per client. Standard for Starter, Professional and Business plans. All data in ap-southeast-2. Regular security patching and updates managed by PayBridge.
Isolated container on PayBridge AWS. Your data fully separated at the infrastructure level. Dedicated compute and storage. Available for Enterprise clients requiring additional isolation.
Deployed on your own infrastructure — on-premise or your cloud account. Files never leave your environment. PayBridge manages software updates and support. For APRA-regulated entities requiring full data sovereignty.
Uploaded files are encrypted immediately on receipt. Processing occurs in-memory where possible. Output files are encrypted at rest. All files are automatically purged after 30 days (configurable). On account termination, data is available for export for 30 days, then securely deleted with written certification.
PayBridge provides pre-built field mappings and format support for the platforms listed below. Connector status indicates readiness — "Connector Ready" means framework support is built and pending API onboarding and certification. "Format Ready" means file-based import/export is available now.
IDoc flat file, S/4HANA & ECC
Format ReadyFBDI file format, GL journals
Format ReadyCSV import, vendor bills, journals
Format ReadyEIB file format, accounting journals
Format ReadyReconciliation, journal entry formats
Connector ReadyBank transaction CSV, journal format
Format ReadyAccountRight and Business import format
Format ReadyIIF and journal import format
Format ReadyBusiness Cloud & Intacct formats
Connector ReadyCarat, Clover settlement files
Connector ReadyBatch settlement, transaction data
Connector ReadyMastercard Payment Gateway
Connector ReadyVisa gateway, batch & real-time
Connector ReadyOmnichannel payment platform
Connector ReadyReal-time payments, orchestration
Connector ReadyAU credit unions, file-based
Connector ReadyCloud-native core, API-ready
Connector ReadyT24/Transact format support
Connector ReadyCloud-native for fintechs
Connector ReadyVault smart contract core
Connector ReadyFusion suite format support
Connector ReadyEBCDIC, COBOL, Connect:Direct, MQ
Format ReadyMutual bank payments network
Connector ReadyAU payment automation
Connector ReadyReal-time NPP, PayTo rails
Connector ReadyAustraclear settlement link
Connector ReadyBill payment file generation
Format ReadyNPP receivables addressing
Connector ReadyNPP mandate-based payments
Connector Readyv3.0 contribution format
Format ReadyContribution file formats
Connector ReadyContribution file formats
Connector ReadyContribution file formats
Connector ReadyPayment file formats
Connector ReadyFund Validation Service
Connector ReadyRegistry & admin
Connector ReadyFund admin
Connector ReadyData processing
Connector ReadyMajor AU fund admin
Connector ReadyAdmin & clearing
Connector ReadyDigital identity via AP+
Connector ReadyNPP payee verification
Connector ReadyMultiple ways to get data in and out of PayBridge — choose what suits your workflow.
Full parse, transform, bulk, reconcile. Swagger docs at /api/docs.
Automated file drop and pickup. Scheduled polling or event-driven.
Real-time notifications on file processed, transform complete, errors.
Send transformed output directly to any email address or distribution list.
Save recurring transform configurations. One-click reprocessing.
Web-based upload, transform and download. No technical setup required.
Full REST API. Parse, transform, reconcile from your own apps.
| METHOD | ENDPOINT | DESCRIPTION |
|---|---|---|
| POST | /api/v1/parse | Parse to canonical JSON |
| POST | /api/v1/transform | Transform between formats |
| POST | /api/v1/reconcile/statement | Reconcile statement vs payments |
| POST | /api/v1/aba-to-osko | ABA to OSKO/NPP |
| GET | /api/v1/formats | List formats |
| GET | /api/v1/health | Health check |
Interactive docs at /api/docs
Try our format detection and parsing preview. Paste payment data to see what PayBridge can identify.
Demos, custom pricing, technical questions -- we're here.
📧 hello@paybridge.com.au
📞 +61 3 9000 0000
📍 Melbourne, Victoria
Mon-Fri: 8am-6pm AEST
Enterprise: 24/7
Status: status page
First payment charged immediately. Cancel anytime.
500 lines/file, 2 users
5K lines, 10 users
50K lines, all modules
Contact sales
You'll be the primary administrator.
They'll receive a temporary password via email. Must change on first login.
Secure payment via Stripe.
🔒 Processed by Stripe. We never store card details.
From domestic ABA files to international SWIFT migration, superannuation compliance to real-time NPP — PayBridge is the middleware layer that connects everything.
ABA, BECS, BPAY, NPP/OSKO, PayID, PayTo. Domestic and cross-border payment file processing.
SWIFT MT to ISO 20022 MX translation. MT103↔pacs.008, MT940↔camt.053 and the full CBPR+ matrix.
Structured file routing. One file in, split by payment type, route to the right bank channel. Universal middleware.
Payday Super ready. SuperStream v3.0, clearing houses, fund registries, fund registries, FVS validation.
ConnectID, Confirmation of Payee, PayID resolution. KYC and payee verification middleware.
SAP, Oracle, NetSuite, Workday, BlackLine, Xero, MYOB, QuickBooks. Pre-built format mappings and file export. API connectivity as platforms are onboarded.
Temenos, Mambu, Thought Machine, Ultradata, Finastra. Mainframe EBCDIC, Connect:Direct, IBM MQ.
Natural language file transformation. Describe what you need in plain English — PayBridge builds the mapping.
Enterprise security, data residency, local processing mode, APRA CPS 230 material service provider controls.
Parse, transform and route 34+ payment formats. From legacy ABA to real-time NPP, domestic BECS to international SWIFT — one platform handles them all.
The backbone of Australian batch payments. Direct entry credits and debits. Parse, validate, transform and generate ABA files for every major bank.
Real-time payments via the New Payments Platform. Convert legacy ABA batches into individual NPP payment objects for bank APIs. Sub-second settlement.
NPP addressing for receivables. Resolve PayIDs (email, phone, ABN) to BSB + account. Register and manage PayIDs. The future replacement for BPAY.
NPP mandate-based payments. Create and manage payment agreements. Third-party initiated real-time payments with customer pre-authorisation.
Bill payment network file generation. Validate biller codes and CRNs. Generate compliant BPAY batch files for processing.
BECS direct credit and direct debit. Bulk payroll, supplier payments, collections. Multi-bank support with automatic BSB validation.
Full MT message suite: MT103 (customer transfer), MT202 (FI transfer), MT101 (payment initiation), MT200 (bank transfer). Parse, validate and generate.
pain.001 (credit transfer initiation), pacs.008 (FI credit transfer), pacs.009 (FI transfer), pacs.002 (status), pacs.004 (return).
MT940/950 (end-of-day), MT942 (intraday), camt.052/053/054. Bank statement reconciliation and cash reporting.
Upload a payroll file in any supported format. PayBridge detects the payment types, splits domestic credits from international transfers, and generates the correct format for each leg — ABA for domestic, pacs.008 for international. One file in, correctly formatted outputs for each destination.
The global migration to ISO 20022 is here. PayBridge translates between every MT and MX message type — no core banking changes required.
MT103→pacs.008, MT202→pacs.009 payment instructions. Cross-border coexistence ended. PayBridge handles both directions.
MT101 request-for-transfer replaced by pain.001. Unstructured addresses no longer accepted. PayBridge auto-converts.
MT940/942/950→camt.052/053/054. Banks must receive ISO reporting. PayBridge translates in both directions.
MT104/107→pain.008/pacs.003. Charges MT190→camt.105/106. Complete MT retirement.
PayBridge translates between every MT and its MX equivalent. Bi-directional, field-level mapping with data enrichment.
| Legacy MT | ISO 20022 MX | Purpose | Direction |
|---|---|---|---|
| MT103 | pacs.008 | Customer credit transfer | 🔄 Bi-directional |
| MT103 STP | pacs.008 | Straight-through processing | 🔄 Bi-directional |
| MT101 | pain.001 | Payment initiation | 🔄 Bi-directional |
| MT202 | pacs.009 | FI-to-FI transfer | 🔄 Bi-directional |
| MT202 COV | pacs.009.cov | Cover payment | 🔄 Bi-directional |
| MT200 | pacs.009 | Bank transfer | 🔄 Bi-directional |
| MT940 | camt.053 | End-of-day statement | 🔄 Bi-directional |
| MT942 | camt.052 | Intraday report | 🔄 Bi-directional |
| MT950 | camt.053 | Statement message | 🔄 Bi-directional |
| MT900/910 | camt.054 | Debit/credit notification | 🔄 Bi-directional |
| MT104 | pain.008 / pacs.003 | Direct debit | 🔄 Bi-directional |
| MT192 | camt.056 | Cancellation request | 🔄 Bi-directional |
| — | pacs.002 | Payment status report | 📤 MX only |
| — | pacs.004 | Payment return | 📤 MX only |
| — | camt.029 | Resolution of investigation | 📤 MX only |
| — | camt.105/106 | Charges | 📤 MX only |
PayBridge translates MT103 to pacs.008 with full structured addresses, UETR, and enhanced party data — and vice versa. Designed to sit between legacy systems and SWIFT FINplus, handling the format translation without requiring core banking changes.
Structured file routing for mixed payment types. Your ERP sends one file — PayBridge splits ABA, BPAY, OSKO and international transfers, then routes each to the correct bank channel.
Stop reformatting files for each bank. Stop maintaining separate processes for each payment type. One integration point for everything.
Accept any file from your ERP — CSV, XML, ABA, JSON, Excel, flat text. PayBridge auto-detects the structure and parses every transaction.
Each transaction is classified: domestic credit (ABA), BPAY bill payment, NPP/OSKO real-time, international SWIFT, super contribution, PayTo mandate.
Each group is rendered into the correct format for its destination: ABA for batch bank, NPP ISO 20022 for real-time, pacs.008 for SWIFT, SuperStream for clearing houses.
Deliver each output to the right destination: SFTP to your bank, API to NPP, SuperStream to clearing house, email to your team. Automatic, scheduled or triggered.
An ERP exports one payment run file containing salary credits (ABA), bill payments, international transfers and super contributions. PayBridge receives the file, classifies each transaction by type, and generates the correct output format for each destination: ABA for the domestic bank, BPAY batch for bill payments, pacs.008 for international transfers, and SuperStream v3.0 for clearing houses.
If your bank only accepts ABA but your ERP outputs pain.001 XML, or your bank provides camt.053 statements but your TMS only reads MT940 — PayBridge handles the translation. Accept one format, output another. No changes to either side.
From 1 July 2026, super must be paid on payday. PayBridge connects your payroll to every clearing house, registry and super fund — with full SuperStream v3.0 and NPP support.
Supports contribution file formats and fund validation workflows.
Australia's largest independent clearing house. Real-time processing.
Supports Beam-compatible file formats with STP data mapping.
Supports Quickstream-compatible payment file formats.
Direct SuperStream v3.0 messaging with NPP payment support.
Validate USI, ABN, bank details and member eligibility before contributing.
Contribution processing, receipting and member administration across major fund registries. Supports payment reference allocation and SuperStream v3.0 data standards.
Registry + admin
Fund admin
Data processing
Major registry
Admin + clearing
Insignia/IOOF
MLC platform
Wrap platform
Super + invest
SMA admin
Full support for Qualifying Earnings (QE), QE Day, enhanced error codes, Member Verification Request (MVR), NPP payment channel, payment reference matching, fund change notifications, and the new STP Phase 2 reporting fields. PayBridge translates between your payroll output format and the exact SuperStream v3.0 message structure each clearing house requires.
ConnectID digital identity, Confirmation of Payee, and PayID resolution. Designed to work with Australia's identity infrastructure. Connector framework ready for API onboarding.
Reduce misdirected payments, prevent fraud and meet KYC obligations with identity and payee verification built into your payment workflow.
Connector framework designed for ConnectID digital identity verification. Supports the Australian Payments Plus (AP+) identity network. Customers verify their identity using organisations they already trust — no documents, no new sign-ups. TDIF-aligned.
Connector framework designed for NPP Confirmation of Payee (CoP). Before sending a payment, verify that the BSB + account number matches the intended recipient's name. Catches errors before money moves. Reduces scam payments.
Connector framework designed for PayID resolution. Look up email, phone or ABN-based PayIDs to retrieve verified account details. Confirm the recipient before initiating payment. Real-time alternative to manual BSB lookups.
Business email compromise (BEC) scams cost Australian businesses millions each year. Payee verification before payment is the most effective defence — confirming the account name matches the intended recipient before funds are released.
AUSTRAC's AML/CTF requirements and APRA's CPS 234 information security standard increasingly expect verification of payment counterparties. Built-in verification supports these compliance obligations.
Manual verification of supplier bank details is slow, error-prone and doesn't scale. Automated verification at the point of payment eliminates human error and speeds up payment runs.
ConnectID allows your customers to verify their identity without sharing documents. A better experience for onboarding, account changes and high-value transactions.
When processing a supplier payment run, PayBridge can validate payees via Confirmation of Payee. Mismatched names are flagged for review before payment is released. New suppliers can be verified via ConnectID during onboarding. Designed to reduce manual checks and prevent misdirected payments — particularly in scenarios where supplier bank details have recently changed.
A financial institution onboards new customers without document uploads. The customer selects their bank from the ConnectID network, authenticates with their existing credentials, and verified identity attributes are shared with the onboarding institution — name, date of birth, address. No photocopies, no manual data entry, no delays.
Pre-built field mappings and file export for major ERP, accounting and treasury platforms. Connector framework ready for API onboarding as platforms are certified.
PayBridge generates files in the exact format your ERP expects — IDoc for SAP, FBDI for Oracle, EIB for Workday. No manual reformatting, no data loss.
Generates SAP IDoc flat file format for both S/4HANA and legacy ECC environments. Supports FI (Financial Accounting) postings including journal entries, payment advice, and bank statement imports. Field mapping covers company code, document type, posting key, GL account, amount, and all required header/line fields. Connector framework designed for future OData API onboarding.
Generates Oracle FBDI (File-Based Data Import) format for Cloud ERP. Supports GL journal entries, AP invoice import, AR receipt import, and bank statement reconciliation. CSV structure matches Oracle's ADFdi template specifications. Connector framework designed for REST API onboarding.
Generates NetSuite-compatible CSV formats for vendor bills, journal entries, customer payments and bank deposits. Supports multi-subsidiary and multi-currency structures. Connector framework designed for SuiteTalk REST API onboarding.
Generates Workday Enterprise Interface Builder (EIB) file format for accounting journals, payment processing and financial reporting. Supports Workday's specific date, amount and reference field requirements. Connector framework designed for REST API onboarding.
Generates BlackLine-compatible formats for automated account reconciliation, journal entry processing, transaction matching and financial close task management. Connector framework designed for API onboarding.
Generates Xero-compatible bank transaction CSV for statement import. Maps amount, date, description, reference and payee fields. Supports multi-currency transactions and GST classification.
Generates MYOB AccountRight and MYOB Business import formats. Supports spend money, receive money and general journal entry structures. Maps to MYOB's specific field requirements.
Generates QuickBooks IIF (Intuit Interchange Format) and journal import formats. Supports bank deposits, payments, journal entries and vendor bills. Compatible with QuickBooks Online and Desktop.
Generates formats compatible with Sage Business Cloud Accounting and Sage Intacct. Supports journal entries, bank transactions and AP/AR imports. Connector framework designed for REST API onboarding.
Pre-built field mappings for major treasury management systems including Kyriba, FIS, GTreasury, ION and Bloomberg. Cash positioning, payment initiation and bank statement import formats.
Your bank provides an MT940 statement. PayBridge transforms it to the exact format your ERP expects — FBDI for Oracle, IDoc for SAP, CSV for Xero — and it's ready for import. No manual reformatting, no copy-paste errors, no missed transactions. The same source statement can generate outputs for multiple ERPs simultaneously if your organisation runs different platforms across subsidiaries.
Format support for banking platforms — from IBM z/OS mainframes with EBCDIC encoding to cloud-native cores. Connector framework ready for onboarding.
Many Australian financial institutions still run critical payment infrastructure on IBM mainframes and legacy cores. PayBridge bridges the gap between these systems and modern formats.
Full EBCDIC encoding support (code pages cp037, cp500, cp1047). Packed decimal and zoned decimal conversion. COBOL copybook record layout parsing. Handles fixed-width mainframe file structures that modern systems cannot read natively.
File transfer protocol used by major AU banks for batch payment file exchange. PayBridge supports Connect:Direct-compatible file structures and can generate output in the exact format expected by C:D endpoints.
Message queue formats for real-time payment processing on IBM infrastructure. Supports AS/400 data queue structures used by credit unions and building societies running on iSeries platforms.
Connector framework designed for the next generation of core banking systems. Pre-built field mappings ready for API onboarding as partnerships are established.
CGI's core banking platform, dominant in Australian credit unions, building societies and mutual banks. Supports the standard payment file formats used by Ultradata environments — ABA, BECS direct entry and statement files delivered via SFTP.
One of the world's most widely deployed core banking platforms. Connector framework designed for Temenos REST API and OFS (Open Financial Server) messaging. Field mappings for account postings, payment instructions and statement data.
Cloud-native banking engine for fintechs, neobanks and embedded finance. Connector framework designed for Mambu's REST API covering deposit accounts, loan accounts, GL entries and transaction processing.
Smart contract-driven core banking. Connector framework designed for Vault's gRPC and REST APIs covering account management, posting instructions and real-time ledger queries. Supports Thought Machine's unique smart contract architecture.
Comprehensive banking suite covering retail, corporate, lending, payments and treasury. Connector framework designed for FusionFabric.cloud API platform. Field mappings for core banking, payment processing and cash management.
Cloud-native core built on event-driven architecture. Connector framework designed for 10x's API-first platform covering deposits, payments and ledger operations.
A regional bank runs its payment processing on an IBM z/OS mainframe using EBCDIC-encoded fixed-width files. PayBridge reads these files natively — handling packed decimal amounts, COBOL copybook layouts and code page conversion — and transforms them into ISO 20022 messages (pacs.008, camt.053) for SWIFT FINplus. The mainframe continues to operate unchanged while the bank meets its MT to MX migration obligations.
A credit union running Ultradata needs to offer NPP real-time payments to members. PayBridge accepts the standard ABA batch files from Ultradata, converts domestic transactions to NPP format and international transfers to pacs.008 — enabling real-time capabilities without replacing the core banking system.
Natural language file transformation. Upload any file, describe what you need in plain English — PayBridge auto-detects the structure and generates the output.
PayBridge identifies the relevant columns from your file, maps them to the required field positions, and generates a compliant output file.
Auto-maps CSV columns to ABA record fields, uses specified BSB as the trace record, validates all amounts and generates a bank-ready ABA file.
Parses the uploaded file, classifies each transaction as credit or debit, and outputs two separate files in the same format.
Groups transactions by BSB, calculates totals per group, and generates a formatted Excel spreadsheet with summaries.
Mention a bank name and PayBridge knows the format. NAI, CBA, WBC, ANZ — each bank's specific requirements are built in.
| Bank | Format | Description |
|---|---|---|
| NAB | NAI | NAB Automated Input format for direct entry and collections |
| CBA | CommBiz | CommBank business banking file format |
| WBC | WBC DE | Westpac direct entry format |
| ANZ | ANZ DE | ANZ business banking direct entry |
| Macquarie | MQG | Macquarie business banking format |
| Suncorp | SUN DE | Suncorp direct entry format |