Sunish Palackal

Have a SEPA or ISO 20022 question? Ask me.

Working on a payment project, preparing for an interview, learning ISO 20022, or simply stuck on a SEPA/payment-processing question?

This service gives you direct access to practical guidance based on real-world payments experience.

Topics you can ask about include:

• SEPA Credit Transfer (SCT)
• SEPA Instant Credit Transfer (SCT Inst)
• SEPA Direct Debit (SDD)
• ISO 20022 payment messages
• pain.001 / pain.008
• pacs.008 / pacs.002 / pacs.004
• camt messages
• Payment status and rejection flows
• Validation and error handling
• Payment lifecycle and processing flows
• Inbound/outbound payment processing
• Business Analyst requirements
• Payment APIs and interfaces
• SEPA implementation concepts
• ISO 20022 migration concepts
• Payments BA/PO interview questions
• Understanding confusing payment terminology
• Real-world scenarios and implementation questions

How it works

1. Send me your question through Priority DM.
2. Include as much context as you can.
3. I'll break down the answer in simple, practical terms.
4. Where useful, I'll explain the business flow, message flow, and implementation perspective.

This is particularly useful if you have a specific question that doesn't justify a full consulting session.

One question. One focused answer. Real payments context.

If you're working in SEPA or ISO 20022 and have a question you're stuck on, send it over.