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Spotlight PEPPOL BIS Billing 3.0 The EU e-invoicing mandate is here — France Sept 2026, Belgium Jan 2026, Germany 2025.

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Foundations

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Standards

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Flagship messages

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Tools

— Standards

EDI and financial standards covered

ediverse covers 41 standards that carry the bulk of worldwide B2B and financial messaging traffic. 33 of them define the structure of messages, from EDIFACT and X12 to national e-invoicing formats. AS2, AS4, and OFTP2 govern their secure transport over the internet, across European automotive and through the PEPPOL network. HIPAA, HL7 v2.x, and HL7 FHIR R5 cover the healthcare ecosystem. SWIFT MT and ISO 20022 serve interbank financial messaging. Each card states the year of creation, the official maintainer and the scope of usage in 2026.

Document standards

These standards define the structure, syntax and semantics of the messages exchanged (purchase orders, invoices, despatch advices).

Transport protocols

These protocols wrap and route the encrypted messages between trading partners.

Healthcare

Healthcare interoperability has its own standards. HL7 International maintains HL7 v2.x, the backbone of HIS systems, and FHIR R5, which powers patient APIs and third-party apps. In the United States, HIPAA also mandates X12N transactions for administrative exchanges (claims, payments, eligibility).

Financial messaging

Interbank messaging has its own family of standards, distinct from commercial EDI. SWIFT MT for legacy flows; ISO 20022 for the modernisation driven by CBPR+ (cross-border), T2/T2S, CHIPS, Fedwire and CHAPS.