The New Standard for Payments Cancellations and Exceptions & Investigations

The management of cancellations and other exceptions and investigations are transitioning to Swift Case Management and ISO 20022 standards.

Swift has set out a three‑year programme to transform exceptions and investigations through a new approach to Case Management, with key requirements to be met within Swift’s Standards Release in November 2026.

What is Swift Case Management?

A solution designed to replace back‑and‑forth manual messages with one central service for managing cancellations and investigations.

What is changing in Swift’s 2026 Standards Release and beyond?

Payments Cancellations:

• Today: Payment cancellation messages can be exchanged directly between institutions or via the Swift Case Management Stop and Recall (SRP) service over FIN and FINplus.
• November 2026: No changes to cancellations.
• 2027: It will be mandatory to exchange payment cancellation requests and responses through the Stop and Recall service over FINplus only.

Exceptions & Investigations:

• Today: camt.110 (requests) and camt.111 (responses) are only available for Case Management users. These messages cannot be sent bilaterally.
• November 2026: It will be mandatory for all institutions to receive camt.110 investigation requests (with an embedded MT 199) from Case Management.
• Mandatory to send and receive all investigations (camt.110 / camt.111, GUI, API) through Case Management.

Swift Case Management, Effortlessly Delivered

Bottomline offers Swift WebAccess services that provide full project support for the adoption and implementation of Case Management.

• Seamless access to Swift Case Management
• Reduced compliance burden, meeting Swift requirements with ease
• Future-proofed Swift strategy and support

WebAccess includes integration to Swift Case Management as well as services such as Swift GPI and Securities View.

With mandatory requirements taking effect in November 2026, institutions must act now to be ready for Swift Case Management changes.