SWIFT Integration

6B are trusted financial engineering and integration partners, providing seamless connectivity with SWIFT via APIs, SWIFTNet, ISO 20022/MT standards, and certified service providers. From initial planning and compliance readiness through to development, testing, certification, and ongoing operational support, we ensure your solution integrates reliably and securely with the global financial messaging network.

Our mission is to help organisations streamline international payment workflows, reduce operational risk, and benefit from secure, standardised communication across banking ecosystems worldwide.

Understanding SWIFT Integration

SWIFT (the Society for Worldwide Interbank Financial Telecommunication) is the global messaging network used by more than 11,000 financial institutions for secure cross-border payments and financial communication. It facilitates international transfers, foreign exchange settlements, treasury operations, securities processing, and a wide range of authenticated financial messages.

SWIFT integration typically involves connecting internal systems to SWIFT’s messaging infrastructure through SWIFTNet, SWIFT APIs, or a certified SWIFT service bureau. Organisations must support either legacy MT message formats or the modern ISO 20022 XML standards, depending on their transaction types and global banking partners. Integrations must incorporate strong authentication, encryption, certificate management, and detailed audit trails to comply with SWIFT’s Customer Security Programme (CSP).

A complete SWIFT integration enables your system to send and receive secure financial messages, track payments, process confirmations, handle exceptions, and reconcile transactions in real-time. It ensures your platform communicates consistently with global banks and financial institutions, reducing manual processes and improving the accuracy and efficiency of cross-border fund movement.

Our SWIFT Integration Process

Our integration process begins with a discovery phase focused on understanding your international payment flows, messaging requirements, and existing treasury or payment infrastructure. We determine whether your organisation will access SWIFT through SWIFTNet, APIs, or a cloud-based service bureau, and map your use cases to the correct MT or ISO 20022 message types. This ensures your architecture aligns with SWIFT standards, banking partner expectations, and regulatory requirements.

Once requirements are confirmed, we design a secure integration architecture that incorporates message validation, encryption, certificate and key management, structured routing, and robust error handling. Our architects ensure all communication pathways comply with SWIFT CSP controls and your internal security governance. We build the integration using 6B’s reusable components — including ISO 20022 parsers, MT message handlers, secure API clients, and automated reconciliation modules — enabling efficient and reliable delivery.

During development and testing, we simulate message flows, validate ISO 20022 and MT structures, test secure communication channels, and support onboarding with SWIFT or your chosen service bureau. We ensure that acknowledgements, statuses, confirmations, and exception messages flow correctly through your system. After deployment, we embed continuous monitoring, message auditing, performance optimisation, and real-time alerting to maintain stable and compliant operation.

We also provide long-term maintenance to ensure your integration remains aligned with SWIFT’s evolving standards, security requirements, and global banking changes — including the ongoing migration to ISO 20022.

Benefits of SWIFT Integration

Integrating your systems with SWIFT delivers consistent, secure, and efficient cross-border payment capabilities. Automated messaging reduces manual work, improves data accuracy, and enables faster settlement across international banking networks. Real-time acknowledgements and status updates improve financial visibility and reduce uncertainty in payment processing, supporting treasury functions, risk management, and operational control.

SWIFT integration also strengthens compliance by embedding structured message validation, strong encryption, and complete audit trails. This reduces the likelihood of rejected payments, compliance breaches, or operational delays. For organisations handling international transfers or multi-bank communication, SWIFT provides a unified, globally recognised channel to streamline operations and reduce fragmentation across different financial platforms.

From an operational perspective, integrated reconciliation, exception handling, and message routing enhance transparency and reduce reconciliation bottlenecks. As your transaction volumes grow, a modern SWIFT integration provides the scalability, resilience, and security needed to maintain efficient, high-assurance global payment workflows at scale.