Banks process vast numbers of interbank fee claims every day – for OUR and NON-STP payments, investigations and new schemes such as SWIFT Go. PINQ provides complete visibility in both directions: automated reconciliation, accurate billing and full transparency.
In cross-border payments, different fee arrangements (OUR, SHA, BEN) often require manual review. PINQ Charges automates the validation and billing of these charges across all channels (MTn90/91 and camt.105/106).
| Type | Direction / Context | Message Legacy → New | Function in PINQ |
|---|---|---|---|
INCOMING | Incoming Payment | MTn90 / camt.105 | Outgoing claim: Automatically generated and sent to the sender. |
| OUTGOING | Outgoing Payment | MTn91 / camt.106 | Incoming claim: Validated against the bank’s own fee tables. |
OUR CLAIM | Third-Party Bank Fees | MTn91 / camt.106 | Recovery of fees following an OUR payment. |
NON-STP | Repair Costs | Individual / Batch | Billing for payments that required manual intervention. |
INVESTIGATION | E&I Processing | MTn96 / pacs.009 | Charging of processing fees resulting from investigations. |
| PAYMENT | Settlement | MT202 / pacs.009 | Automatic payment initiation or reasoned rejection. |
PINQ Charges automates the entire bank-to-bank fee process, from claim validation through to posting instructions – and, for the first time, enables claims and their associated payments to be reviewed and reconciled at the required level of detail.
In addition to the Interbank Charges module, PINQ integrates a comprehensive billing system for banking services. Account maintenance fees, transaction fees and onboarding costs are captured, priced and billed in a single end-to-end process – without system breaks or manual intermediate steps.
Tracking → Monitoring → Pricing → Invoicing → Reporting
The process follows a fully automated cycle, eliminating the need for manual intermediate steps:
New service types can be introduced quickly and without programming effort. Flexible pricing structures, including individual customer terms and fee-waiver rules, can be freely configured. This turns the back office into an active revenue driver rather than a cost center.
| Streamlined Fee Processing | Automation replaces manual validation and reconciliation steps, delivering greater efficiency, reduced operational risk and significantly less processing effort in the back office. |
|---|---|
Complete Transparency | Full visibility into incoming and outgoing charges, precise posting instructions and MIS reporting – supporting controlling, compliance and relationship management. |
| Regulatory Readiness | SWIFT Go, new camt.105/106 releases and other market changes are implemented by syracom in good time – keeping your financial institution compliant without additional effort. |
| Revenue Generation in the Back Office | Precise claim reconciliation and comprehensive billing of all eligible charges help secure revenue streams that often remain unidentified in manual processes. |
| Flexible Relationship Management | Changes to terms agreed with correspondent banks can be implemented quickly without manual adjustments – PINQ automatically applies the updated terms to the next billing cycle. |
| Cost Savings & Customer Service | Faster processing, fewer inquiries and more transparent account statements provide customers with a noticeably better experience while reducing processing costs for the financial institution. |
Find out in a personal consultation how PINQ Charges & Billing can automate your interbank fee processes and uncover revenue opportunities in the back office.
Marc Claas
Product Manager PINQ
Marc Claas
Product Manager PINQ