From an EU perspective, most interbank communication for SEPA is through XML following PACS or CAMT xsd’s (so there’s a PACS format to transfer money, a CAMT format to inquire on the status of a payment etc.) sent via an intermediary clearing house. Used to be huge XML batches, but now moving to small XML messages.

Internationally also “MT” messages are used, which is also a file with specified format.

So it doesn’t really matter what stack you run, as long as it can create files and send them out :-)