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ISO20022 Version 3 (pain.001.001.03)

 

  • You should focus on aligning address data for ordering parties and beneficiaries by populating Name <Nm> tags, Postal address <PstlAdr> tags in the Creditor, Ultimate Debtor/Creditor (if applicable)
  • For Debtor Agent/Creditor Agent/Forwarding Agents and Intermediary Agents
    • If you provide a SWIFT BIC. Town and Country is optional.
    • If you provide a local clearing code example American Banker Association (ABA) code /Sort code etc. Town and Country are not mandatory
  • Mandatory tags are indicated in bold for your reference.

These updates will help you align with the new postal address requirements and avoid payment delays or rejections.

Unstructured

Hybrid

Fully structured

<Cdtr>

  <Nm>Round the Corner Limited </Nm>

  <PstlAdr>

     <AdrLine>Rafael House 50 </AdrLine>

 <AdrLine>IG11YT </AdrLine>

          <AdrLine>G.B </AdrLine>

 

<Cdtr>

  <Nm>Round the Corner Limited</Nm>

  <PstlAdr>

         <PstlCd>IG1 1YT</PstlCd>

         <TwnNm>Manchester </TwnNm>

         <Ctry>GB </Ctry>

         *<AdrLIne>Flat 50</AdrLIne>

         *<AdrLine>Raphael House</AdrLIne>

  <PstlAdr>

  </Cdtr>       

 

*Two occurrences of the Address Line tag with up to 70 characters are permitted

<Cdtr>

  <Nm>Round the Corner LImited </Nm>

  <PstlAdr>

         <StrtNm>High Road</StrtNm>

          <BldgNb>250</BldgNb>

         <PstlCd>IG1 1YT</PstlCd>

         <TwnNm>London </TwnNm>

         <Ctry>GB</Ctry>

  <PstlAdr>

  </Cdtr>       

 

 

Whether using the fully structured or hybrid format, you must provide at least a structured Town Name and a structured Country Code (ISO 2-letter format) for each party.

  • If your records do not include the Town Name and Country Code for these parties, please prioritize contacting your payees and collecting this information as soon as possible. Timely action is essential to ensure compliance with the upcoming requirements and to avoid any disruption to your payment processing.

 

ISO20022 Version 9 (pain.001.001.09)

This version is currently supported in limited markets. Please reach out to your Relationship managers to discuss options.

 

Note on Domestic and Jurisdictional Payments

While the changes described primarily affect cross-border payments and leading payment market infrastructures, please be aware that similar requirements may apply to certain domestic or jurisdictional payment as for domestic payments, requirements may vary depending on the country, region, or payment scheme. We recommend that you speak to your relationship managers for further information.

 

Client Testing

 

Our client testing environment will be available soon. Please check back here for the latest updates and further information.

 

We are here to help

Please begin your internal assessments as early as possible to ensure a smooth transition. If you have questions, we are here to help prepare for this change.

Support Team Contact email: hybrid.address.migration@jpmchase.com