Finance
30 columns
500 rows
8 formats

CHIPS Payment Messages

This dataset provides comprehensive records of high-value USD payment messages processed through the Clearing House Interbank Payments System (CHIPS), including sender and receiver details, transaction amounts, settlement status, and end-of-day netting batch information. It is ideal for financial institutions, regulators, and analysts seeking to monitor, audit, and optimize cross-border and domestic payment flows.

last updated 1 Nov 2025
by GoMask

The brief that made it

Regulatory compliance and audit of high-value payment flows

Sample rows

preview · 8 of 500 rows · all 30 columns

message_idstring	payment_typestring	payment_amountfloat	sender_address_countrystring	transaction_referencestring	currencystring	value_datedate	settlement_datedate	sender_bank_idstring	sender_bank_namestring	receiver_bank_idstring	receiver_bank_namestring	sender_account_numberstring	receiver_account_numberstring	sender_address_streetstring	sender_address_citystring	sender_address_statestring	sender_address_postal_codestring	receiver_address_streetstring	receiver_address_citystring	receiver_address_statestring	receiver_address_postal_codestring	receiver_address_countrystring	instruction_codestring	purpose_of_paymentstring	charges_borne_bystring	netting_batch_idstring	message_statusstring	created_atdatetime	updated_atdatetime
A3K8Z0B2J1QN	domestic	13025.75	US	TXN-20230427-00123	USD	2023-04-28	2023-04-28	CHIPSUID001	First Republic Bank	CHIPSUID002	Citizens Trust	59128756324	48294012387	210 Broadway Ave	San Francisco	CA	94111	78 Pine Street	Boston	MA	02108	US	REGULAR	Payroll Payment April	shared	CHIPS20230428-B01	settled	2023-04-27T15:32:11Z	2023-04-28T17:45:00Z
Q1W8E7R6T4YU	cross-border	2500000	FR	INT-REF-89345	USD	2022-11-03	2022-11-04	SWIFTBICFRA01	BNP Paribas	SWIFTBICUSA02	Wells Fargo	blank	blank	16 Rue de Provence	Paris	blank	75009	420 Montgomery St	San Francisco	CA	94104	US	PRIORITY	Trade Settlement Q4	receiver	CHIPS20221104-B02	settled	2022-11-03T09:14:33Z	2022-11-04T12:35:46Z
L9U2P4A3X7VT	domestic	0.79	US	REF-76321-CHK	USD	2023-07-01	blank	CHIPSUID003	Liberty National Bank	CHIPSUID004	United Community Bank	10398475623	40982374821	55 Oakwood Drive	Richmond	VA	23220	200 Maple Ave	Charlotte	NC	28202	US	blank	System Test Transfer	blank	blank	pending	2023-06-30T22:11:01Z	blank
T8N4S1K5J3ZW	domestic	79150.62	US	TXN-20221218-00456	USD	2022-12-19	2022-12-19	CHIPSUID005	Pacific Western Bank	CHIPSUID006	Truist Bank	87203459102	32098475613	670 Sunset Blvd	Los Angeles	CA	90028	501 Peachtree St	Atlanta	GA	30308	US	REGULAR	Invoice Payment #784	shared	CHIPS20221219-B05	settled	2022-12-18T17:29:45Z	2022-12-19T10:08:12Z
N6B3X8V2M1LK	domestic	15.95	US	TXN-20240315-00812	USD	2024-03-16	blank	CHIPSUID007	Bank of Springfield	CHIPSUID008	Fifth Third Bank	29837456910	19834720581	820 Main St	Springfield	IL	62701	1310 Walnut St	Cincinnati	OH	45202	US	blank	Utility Bill Payment	sender	blank	pending	2024-03-15T13:18:47Z	blank
J5C7H9F8G2PQ	cross-border	12000000	GB	INT-REF-94321	USD	2023-09-10	2023-09-11	SWIFTBICGBR11	HSBC UK	SWIFTBICUSA12	Bank of America	blank	blank	8 Canada Square	London	blank	E14 5HQ	100 N Tryon St	Charlotte	NC	28202	US	PRIORITY	Bond Issue Settlement	sender	CHIPS20230911-B03	settled	2023-09-10T16:00:00Z	2023-09-11T09:45:00Z
E2M5R1K4Q8TZ	domestic	295000	US	TXN-20240105-00777	USD	2024-01-06	2024-01-06	CHIPSUID009	Peoples Bank	CHIPSUID010	SunTrust Bank	39827415902	39827415903	450 Orange Ave	Orlando	FL	32801	205 Peachtree St	Atlanta	GA	30303	US	URGENT	Vendor Payment #1120	shared	CHIPS20240106-B02	settled	2024-01-05T15:20:16Z	2024-01-06T11:12:00Z
F4V6C2D8P7MX	cross-border	500	AU	REF-45789-SUP	USD	2022-08-12	blank	SWIFTBICAU001	ANZ Banking Group	SWIFTBICUSA14	JPMorgan Chase	blank	blank	833 Collins St	Melbourne	VIC	3008	270 Park Ave	New York	NY	10017	US	blank	Consulting Fees July	receiver	blank	pending	2022-08-11T08:01:22Z	blank
U7D3K8O2X5NZ	domestic	110000000	US	TXN-20230731-01009	USD	2023-08-01	2023-08-01	CHIPSUID011	Western Alliance Bank	CHIPSUID012	Old National Bank	78643219854	87654321098	1200 W Washington St	Phoenix	AZ	85007	1 Main St	Evansville	IN	47708	US	PRIORITY	Interbank Liquidity	sender	CHIPS20230801-B01	settled	2023-07-31T18:33:15Z	2023-08-01T09:28:45Z
R9S5T2L1V8QW	cross-border	4200	SG	INT-REF-65231	USD	2024-02-27	2024-02-27	SWIFTBICSGP22	DBS Bank	SWIFTBICUSA23	TD Bank USA	blank	blank	12 Marina Blvd	Singapore	blank	018982	1701 Route 70 E	Cherry Hill	NJ	08003	US	REGULAR	Tuition Payment Spring	receiver	blank	settled	2024-02-26T23:22:51Z	2024-02-27T10:12:55Z
P8X2K3L9M6QW	domestic	1	US	REF-38476-APR	USD	2022-04-07	blank	CHIPSUID013	Valley Bank	CHIPSUID014	BOK Financial	blank	blank	133 Elm St	Hackensack	NJ	07601	1800 S Baltimore Ave	Tulsa	OK	74119	US	URGENT	Interest Payment Test	shared	blank	rejected	2022-04-06T21:11:32Z	blank
Y2H7J6C5P3TD	domestic	35000	US	TXN-20230820-00654	USD	2023-08-21	2023-08-21	CHIPSUID015	MidWest Bank	CHIPSUID016	Comerica Bank	98561234701	10293847562	950 Lincoln Ave	Omaha	NE	68102	129 Woodward Ave	Detroit	MI	48226	US	REGULAR	Loan Repayment August	sender	CHIPS20230821-B04	settled	2023-08-20T13:11:21Z	2023-08-21T09:55:00Z
W5B6F7N2H1MC	cross-border	50000000	CA	INT-REF-47831	USD	2022-10-14	2022-10-15	SWIFTBICCA001	Royal Bank of Canada	SWIFTBICUSA33	Citibank USA	blank	blank	200 Bay St	Toronto	ON	M5J2J5	388 Greenwich St	New York	NY	10013	US	PRIORITY	M&A Transaction Final	sender	CHIPS20221015-B06	settled	2022-10-14T17:25:40Z	2022-10-15T09:12:30Z
K3M1Z9G4T5LS	domestic	725	US	TXN-20230516-00247	USD	2023-05-17	2023-05-17	CHIPSUID017	Mountain View Bank	CHIPSUID018	Texas Capital Bank	10928374659	20394876512	1111 Colorado Blvd	Denver	CO	80206	2001 Ross Ave	Dallas	TX	75201	US	REGULAR	Vendor Payment May	shared	CHIPS20230517-B07	settled	2023-05-16T14:40:12Z	2023-05-17T08:10:55Z
G8Q2K4J9R1MN	cross-border	2630	IE	INT-REF-65299	USD	2022-03-22	blank	SWIFTBICIE003	Bank of Ireland	SWIFTBICUSA45	Regions Bank	blank	blank	40 Mespil Rd	Dublin	blank	D04 C2N4	1900 Fifth Ave N	Birmingham	AL	35203	US	blank	Family Support Transfer	blank	blank	pending	2022-03-21T21:12:11Z	blank
B5T9X2F7N4VC	domestic	29500	US	TXN-20221201-00091	USD	2022-12-02	2022-12-02	CHIPSUID019	Columbia Bank	CHIPSUID020	KeyBank	29485760123	29485760124	700 Market St	Tacoma	WA	98402	127 Public Sq	Cleveland	OH	44114	US	REGULAR	Payroll Processing December	sender	CHIPS20221202-B08	settled	2022-12-01T22:17:09Z	2022-12-02T08:22:11Z
M7V2P3S8X4QW	cross-border	800000	CH	INT-REF-91238	USD	2023-02-13	2023-02-14	SWIFTBICCHF01	Credit Suisse	SWIFTBICUSA67	Morgan Stanley	blank	blank	Paradeplatz 8	Zurich	blank	8001	1585 Broadway	New York	NY	10036	US	URGENT	Securities Settlement Feb	receiver	CHIPS20230214-B09	settled	2023-02-13T20:19:44Z	2023-02-14T09:11:05Z
S2J9H8K5L1PV	domestic	160	US	TXN-20230329-00376	USD	2023-03-30	2023-03-30	CHIPSUID021	Eastern Savings Bank	CHIPSUID022	Republic Bank	90837412034	90837412035	301 Main St	Baltimore	MD	21202	1200 Liberty Ave	Pittsburgh	PA	15222	US	REGULAR	Utility Bill March	shared	CHIPS20230330-B10	settled	2023-03-29T11:30:10Z	2023-03-30T09:07:44Z
A9F3Q7E1T6ZM	domestic	0.01	US	TXN-20240201-01123	USD	2024-02-02	blank	CHIPSUID023	Redwood Bank	CHIPSUID024	Hancock Whitney Bank	blank	blank	220 State St	Santa Barbara	CA	93101	2510 14th St	Gulfport	MS	39501	US	blank	Test Transaction	blank	blank	pending	2024-02-01T20:01:11Z	blank
D6K1L8P9R2QM	cross-border	3200000	JP	INT-REF-77421	USD	2022-05-23	2022-05-24	SWIFTBICJP001	Mizuho Bank	SWIFTBICUSA77	PNC Bank	blank	blank	1-1-2 Otemachi	Tokyo	blank	100-8176	300 Fifth Ave	Pittsburgh	PA	15222	US	URGENT	Trade Finance May	sender	CHIPS20220524-B11	settled	2022-05-23T17:32:55Z	2022-05-24T09:15:23Z

What the 500 rows show

from the 500-row sample

3,025median payment_amount
3instruction codes
3charges_borne_by values
3message statuses
18receiver address countries
47receiver address states

payment_type500 rows by value

payment_amount500 rows, in bands of 100M

Median 3,025, from 0.01 to 1,000,000,000.

sender_address_country500 rows · top 10 of 20 values

US319
CA24
GB20
CH20
AU19
SG18
JP16
FR15
IE14
DE12

30 columns by typefrom the column list below

string 25
float 1
date 2
datetime 2

Columns

30 columns in three groups

blueprint · 30 columns
column	type	description	example
Text 25 columns
`message_id`	string	Unique identifier for each CHIPS payment messageunique	A3K8Z0B2J1QN
`transaction_reference`	string	Reference number assigned by the originating bank for tracking purposes	TXN-20230427-00123
`currency`	string	Currency code of the payment, typically USDUSD	USD
`sender_bank_id`	string	Unique identifier (e.g., CHIPS UID, SWIFT/BIC) for the sending bank	CHIPSUID001
`sender_bank_name`	string	Name of the bank sending the payment	First Republic Bank
`receiver_bank_id`	string	Unique identifier (e.g., CHIPS UID, SWIFT/BIC) for the receiving bank	CHIPSUID002
`receiver_bank_name`	string	Name of the bank receiving the payment	Citizens Trust
`sender_account_number`	string	Account number of the sender at the originating bankoptional	59128756324
`receiver_account_number`	string	Account number of the receiver at the beneficiary bankoptional	48294012387
`sender_address_street`	string	Street address of the senderoptional	210 Broadway Ave
`sender_address_city`	string	City of the senderoptional	San Francisco
`sender_address_state`	string	State or province of the senderoptional	CA
`sender_address_postal_code`	string	Postal code of the senderoptional	94111
`sender_address_country`	string	Country of the senderoptional	US
`receiver_address_street`	string	Street address of the receiveroptional	78 Pine Street
`receiver_address_city`	string	City of the receiveroptional	Boston
`receiver_address_state`	string	State or province of the receiveroptional	MA
`receiver_address_postal_code`	string	Postal code of the receiveroptional	02108
`receiver_address_country`	string	Country of the receiveroptional	US
`payment_type`	string	Type of payment: cross-border or domesticcross-border · domestic	domestic
`instruction_code`	string	Code indicating special payment instructions (e.g., URGENT, REGULAR)URGENT · REGULAR · PRIORITY · optional	REGULAR
`purpose_of_payment`	string	Description or code indicating the purpose of the paymentoptional	Payroll Payment April
`charges_borne_by`	string	Indicates who bears the transaction charges (e.g., sender, receiver, shared)sender · receiver · shared · optional	shared
`netting_batch_id`	string	Identifier for the end-of-day netting batch in which this payment is settledoptional	CHIPS20230428-B01
`message_status`	string	Current status of the payment message (e.g., pending, settled, rejected)pending · settled · rejected · cancelled	settled
Numbers 1 column
`payment_amount`	float	Total USD amount being transferred in the payment message0.01 or more	13025.75
Dates and times 4 columns
`value_date`	date	Date on which the payment is to be settled or made available	2023-04-28
`settlement_date`	date	Date on which the payment is actually settled in CHIPSoptional	2023-04-28
`created_at`	datetime	Timestamp when the payment message was created	2023-04-27T15:32:11Z
`updated_at`	datetime	Timestamp when the payment message was last updatedoptional	2023-04-28T17:45:00Z

Use it for

A finance dashboard
Payment_amount by payment_type and a breakdown of sender_address_country. Excel, Power BI or Tableau.
What pattern can you find in 500 rows?
A class exercise
Hand out the rows and one question. Everyone works from the same 500 rows.
Messages500
A3K8Z0B2J1QN13025.75domestic
Q1W8E7R6T4YU2500000cross-bo…
L9U2P4A3X7VT0.79domestic
A software demo
Believable messages with transaction_reference, payment_amount and currency to fill a screen in front of a buyer.

This dataset500 rows30 columns

Yours10,000 rows30 columnssender_address_street: UK only

blueprint · chips-payment-messages-2

Behind this dataset

Same schema. As many rows as you need.

These 500 rows came out of a blueprint — 30 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.

Rules it was built with

CHIPS UID unique identifier
USD denominated only
Participant banks identified by CHIPS UID
Same-day settlement through Fed
Multilateral netting reduces settlement amount
Intraday finality with settlement guarantee
Prefunded requirement during day
Cut-off time: 5:00 PM ET

Rows1,000 rows10,000 rows100,000 rows1,000,000 rows

Open the blueprint in Data Factory

1 credit per row. New accounts start with 25 free credits.

Exports: CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
Licence: yours to use, including commercially
API slug: chips-payment-messages-2

What should your data show?

No signup. No card.

Sample rows

What the 500 rows show

Columns

Use it for

A finance dashboard

A class exercise

A software demo

Make it yours.

Same schema. As many rows as you need.

More in Finance

What should your data show?