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Hi Jeremy - not sure what the ISO 3583 has to do with cards (worth looking up). Also an issuer does not make payment to the merchant, that's the role of the acquirer. Perhaps it's worth opening up those CAPE and ATICA MDR's and having a look at the process flows. Another thing is that the use of ISO 8583 is highly subjective depending upon which scheme you are using.

Steve - I've been working alongside Jamie as part of the ISO 20022 Forum for Architects. I've opened up the model from the business components side as a first step in making sense from an EA perspective. This gives a great canonical model, dictionary/ontology and domains as an entry point before looking at the physical implementation (message).

This would be my starting point for a simple transaction.

Admittedly the eRepository does not have the MDR information included yet, this is apparently coming later in BPMN format (maybe we will get XPDL as the implementation format too).

One final comment - you do need the standard to hand to leverage and adapt the eRepository successfully, perhaps incorporating within an organisations architectural principles.