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Global EBICS Channels Site Updates – CBPR+ Hybrid Address (Template)

 

Overview

Global EBICS enables clients to securely connect to the bank’s Host-to-Host (H2H) platform using the EBICS protocol for global payment processing. It supports all H2H payment types and provides detailed acknowledgements at both the file and transaction level, including returns and rejects.

 

EBICS Versions Supported:

  • 2.4 (French EBICS)
  • 2.5 (German EBICS)
  • 3.0 (combines features of both French and German EBICS)

Order Types:

  • German EBICS: Y01, Y08
  • French EBICS: pain.001.001.03.xct

All validations and acknowledgements are done by H2H and delivered through EBICS.

Impacts Details on Upcoming Impacts and Required Changes:

As part of the CBPR+, the Society for Worldwide Interbank Financial Telecommunication (SWIFT) and leading Payment Market Infrastructures (PMI) mandates the inclusion of Country Code and Town Name for all payment fields. This mandate aims to offer precise compliance information and higher automation in processing payments.

As of November 2025, there will be three valid formats for providing postal addresses in payment messages:

  1. Fully unstructured: Will be decommissioned by November 2026, and all address fields must be in a structured or hybrid format.
  2. Fully structured: Typically comprising distinct components such as street name, post code, town, and country details.
  3. Hybrid option combines structured elements within Postal Address (Town Name and Country are mandatory information) as well as unstructured format ( AddressLIne can be up to 2 lines of 70 characters) for greater flexibility during the transition.

This regulation will impact you if submit Cross border payments processed over the SWIFT network as well as select Payments whose clearing systems mandate either the Hybrid or fully structured address such as Fedwire Funds Service (Fedwire), Clearing House Interbank Payment System (CHIPS), Single European Payments Area (SEPA), Swiss Interbank Clearing , Clearing House Automated Payment System(CHAPS-UK), Target 2-Euro,South Africa (SAMOS). Payments not adhering to hybrid or structured mandates may be rejected or delayed, potentially impacting payment processing timelines.

So how your systems must adapt to Postal Address fields whilst initiating a Payment

JPM supports the below payment formats via Global EBICS. We have highlighted changes needed to your payment formats ensuring compliance with the mandate.