Institutional toll card · ISO 20022
Usage-based tolls. Zero minimums.
Four deterministic modules. Every charge is a pure function of your traffic — no license fees, no implementation retainers, no sales cycle. Billed per message processed.
Rejection Shield
Scan before the rail rejects.
Deterministic STP scan of every payment message before it touches the network. Field-level ISO 20022 validation, duplicate UETR detection, and rejection prediction — computed, never guessed.
- Field-level MX validation
- Duplicate UETR detection
- STP-rate batch rollups
- Live POST /api/v1/shield/scan
- Inbound pacs.002 status mapping — $25/msg
Address & BIC Remediation
The Nov 2026 CBPR+ cliff, solved.
Converts unstructured AdrLine into the structured PostAdr format the networks now mandate — before the network NAKs the message. BICFI routing remediated at machine speed.
- Structured PostAdr conversion
- BICFI routing remediation
- Gross-USD basis-point toll
- CBPR+ structured-address ready
- Live POST /api/v1/shield/cleanse
MX Conduit
MT103 → pacs.008, round-trip clean.
MT103 / MT202 / JSON translation into MX pacs.008 with deterministic rendering. Every output re-parses to STP_READY on Fedwire before it ships. No drift, no guesswork.
- MT103 → pacs.008
- MT202 → pacs.009
- Round-trip STP_READY verification
- UETR generation (UUID v4)
Dialect Harmonizer
CBPR+ ↔ HVPS+, at the boundary.
The dual-engine translation gate between cross-border CBPR+ and domestic HVPS+ (Fedwire) — BIC ↔ RTN native mapping, tag injection and stripping, and settlement-timing alignment. CBPR+ valid is not HVPS+ valid; the engine translates at the boundary.
- BIC ↔ RTN native mapping
- CBPR+ → HVPS+ tag injection / stripping
- Settlement-timing alignment
- Deterministic operation trace
- pacs.004 return reconciliation — $50/msg
Full payment lifecycle is metered
You are billed on the forward path and the return loop.
- Forward: SHIELD $50 / TRANSLATE $10 / HARMONIZE $25 per msg
- Return: pacs.002 status $25 / pacs.004 return $50 per msg
Every chargeable event is logged against your usage ledger with the exact message reference — no surprise invoices. View every toll line in real time from your console.
Volume scaling
The toll stays flat. Your scale compounds.
up to 500 msg/day
Self-serve API key, live dashboard, full toll card. Stand up in minutes — not months.
up to 5,000 msg/day
Bulk batch endpoint, priority processing, aggregate STP telemetry across your whole flow.
50,000+ msg/day
Dedicated enclave, reserved capacity, custom cleansing rulesets for your counterparties.
Where legacy FMI vendors quote seven-figure contracts and still take 6–18 months to stand up, XVILAN is live on the day you receive your API key — at a transparent per-message toll. No MSA required to start scanning. No BAA until you move money.
The pricing endpoint
Multi-currency toll card — served from the engine, not the marketing site. Try ?currency=EUR.
$ curl https://xvilan.com/api/v1/pricing?currency=EUR
{
"currency": "USD",
"tolls": [
],
"note": "Usage-based. No fixed monthly minimum. Billed per message processed."
}