Wire messages

Wire messages contain the payment instructions for a wire such as its recipients, amount, status, and message ID. These messages are sent through the Fedwire service for domestic wires and the SWIFT network for international wires and they provide financial institutions with standardized instructions to execute the wire transfer.

There are two main ways you can access wire message information within Jack Henry Wires. You can either select a wire, go to View Details, click on ISO Messages, and then select View Message to see the message contents or you can navigate to the Messages tab of the main Wires screen to filter and view all wires and their associated messages.

Message types

Jack Henry Wires currently supports the following ISO 20022 message types. We are working on the ability to soon support all ISO 20022 message types.

PACS messages

Customer credit transfer (pacs.008)

This message indicates that you are sending money from your financial institution to another financial institution on behalf of an accountholder.

Financial institution credit transfer (pacs.009)

This message indicates that you are sending money on behalf of your financial institution to another financial institution. There is no customer or member involved.

Payment return (pacs.004)

This message indicates that a payment is being returned.

PAIN messages

Drawdown request (pain.013)

This message indicates that one financial institution is formally requesting another financial institution to send funds.

Drawdown response (pain.014)

This message indicates a response to a pain.013 message.