ISO 20022 / camt
ISO 20022 is the standard in which banks and software exchange payment data; the camt messages deliver the account statement and incoming payments in structured form, so the software can match them automatically against open invoices.
Definition
Three messages matter day to day: camt.052 for the intraday position, camt.053 for the statement of a period, and camt.054 for the details behind batch entries — for receivables camt.054 is the more important file, because that is where the references sit. In the other direction the payment order goes out as pain.001.
Automatic matching is the automation with the biggest time gain in the whole program: at a hundred payments a month it replaces half a working day. The precondition is the reference on the invoice — without it, allocation stays a search by amount and name.
Where to read it
What the software must be able to do
Clarify whether the bank is connected directly or a file has to be downloaded and imported every day, and which of the camt messages the software understands. Second check: do unallocatable payments land in a list, or do they sit there unnoticed?
Checked Aug 2026
More terms under Invoicing, payment and banking: Advance payment Allowance for doubtful debts Bad debt camt.053 Cancellation invoice Cash discount Certificate of shortfall Credit note Creditor Current account Debt enforcement Debtor Default interest Delivery note Dunning eBill Final invoice IBAN Invoice number Open items pain.001 Part payment Payment term Pro forma invoice QR reference QR-bill QR-IBAN Quotation Receipt Tips TWINT as a payment method Visitor taxes