So is ISO20022 the future then? There should* be a standard system that all the networks stick to... instead of the hodgepodge of bullshit there is now.
I got my last company certified with Visa and Mastercard for authorization and clearing. It's funny how they call it a standard but it's anything but that. There were some similarities but a lot of subtle differences which made the process 10X harder. Mastercard was the worst to deal with.