Is NorthStar a bank or MSB?

No. NorthStar is a software-first data router positioned above the payment networks. It does not hold deposits or transmit funds directly, so no MSB/MTL license is required to start scanning messages.

What changes at the CBPR+ November 14, 2026 cliff?

CBPR+ will begin network-level rejection of unstructured address lines (AdrLine) on cross-border MX messages. NorthStar CLEANSE remediates addresses and BICs before submission to keep messages STP-ready.

How is pricing structured?

Transparent per-message tolls: $50 per SHIELD scan, 1 basis point of gross USD for CLEANSE, and $10 per TRANSLATE. Zero fixed minimums and no long sales cycles.

Which rails does NorthStar support?

Fedwire, FedNow, and RTP for domestic USD plus CBPR+ for cross-border. UETR is mandatory on every message per the ISO 20022 migration standard.

Free Rejection Shield Scan

Will This Payment Get Rejected?

Paste your pacs.008, MT103, or JSON payment. The deterministic engine predicts the exact findings before your message touches the rail. Zero guesswork.