The X9 organization is made up of its Board of Directors/Consensus Body and four Subcommittees of organizational experts mirroring important business sectors of the financial services industry. Under these broad business areas further specialists are organized creating Working Groups, Working Groups are formed as the need arises.

X9AB – Payments Subcommittee (Checks and Retail including Cards and Alternate Payments)

The Payments Subcommittee X9AB develops standards for payments systems that facilitate interoperability among traditional and emerging payment technologies, processing both domestically and globally.

X9C-Corporate Banking

Corporate banking is an umbrella term for treasury, finance, and cash management functions within a corporation and for banking services offered to corporations. Corporate banking is separate from capital-raising, mergers advice or risk mitigation. It’s usually the work-a-day stuff of a corporate treasurer: Moving cash between thousands of separate accounts; handling foreign-currency transactions; financing short-term trade balances; and processing customer payments.


The Securities Subcommittee X9D develops standardization of electronic institutional trade communications for the securities industry, securities data dictionary, procedures, information requirements, and paper documents related to securities processing.

X9F-Data & Information Security

The Data and Information Security Subcommittee X9F deals with standardization to reduce financial data security risk and vulnerability.