Starting November 2026, certain domestic markets will require Hybrid or Fully Structured payment address; unstructured address may not be accepted and will be rejected. These requirements apply to payments processed through Payment Market Infrastructures (PMIs) that require hybrid or fully structured addresses.
- If a postal address is provided within a payment message then it must be in structured/hybrid format for the Creditor and Ultimate Parties (Ultimate Debtor and Ultimate Creditor).
- Agents/Banks identified solely by a valid SWIFT BIC are exempt from this requirement. For example where a valid BIC is provided, Agent/ Bank Name , Town/City Name and Country are not required for the Agent/Bank.
- Where a BIC is absent and a Member ID is provided, Country ,Town/City name and Name of the Agent/Bank is required.
- Where neither BIC nor Member ID is provided, Agent/Bank name, Town Name and Country are required. Impacted Domestic payments processed through Payment market Infrastructures (PMI) that specifically require hybrid or fully structured address include;
- U.S. Fedwire, U.S. CHIPS, Canada (Lynx)
- Single Euro Payments Area (SEPA), Swiss Interbank Clearing, UK (CHAPS), Target2-Euro, South Africa’s(SAMOS)
- Australia, Hong Kong (CHATS), Japan (FXYCS), New Zealand, Philippines and South Korea (FCY). Singapore (MEPS+), Thailand (BAHTNET), Taiwan (FISC) and Chile. For the complete, current list of impacted market infrastructures and country-specific effective dates, see J.P. Morgan’s ISO 20022 Migration – Client Resources page and the Local Mandate List on J.P. Morgan’s ISO Hybrid Address Explainer.
- For markets or payment types that are not impacted by this requirement, processing should remain subject to the applicable legal, regulatory and market rules.
What’s changing?
Currently, you use one of three formats for postal addresses in your payment messages:
- Fully unstructured:
Will not be allowed after November 2026 for certain domestic markets - Fully structured:
Already allowed today and preferred & recommended option in the future, Address details are separated into specific fields, such as street name, post code, town, and country. - Hybrid:
The minimum requirements of structured Town Name and ISO two-letter Country Code, with no more than two Address Line occurrences of up to 70 characters each. Additionally, clients should not duplicate Town Name or Country in Address Line.
Combines structured elements (town and country—both required) with up to two unstructured address lines (each up to 70 characters) for flexibility during the transition.
Enterprise Resource Planning (ERP) & Treasury Management System (TMS) Integrations
If you make payments through a third-party ERP or TMS provider, please engage with them to confirm that the required CBPR+ changes are being implemented. Depending on the provider, these updates may be made directly by the third party, or you may be expected to make the necessary changes within your own payment configuration.
Please also ensure that client and beneficiary records in your system include complete address details, including Town Name and Country, to help avoid payment disruptions.
Test Before You Submit
To help avoid payment delays or rejections, we strongly encourage you to test your payment files now using our Client Acceptance Testing (CAT) / UAT environment to confirm your address formatting meets the Hybrid Address requirements ahead of the deadline.
If you utilize other J.P. Morgan channels or products to make payments, visit our Client Resource Center to learn how they may be impacted.
If your payments do not meet the new requirements
Payments that do not follow the new address requirements may be rejected or delayed, which could impact your processing timelines.
SEPA Credit Transfers, Direct Debits, and SEPA-Instant
For SEPA Credit Transfers (CT), Direct Debits (DD), and SEPA-Instant the same address rules apply as for cross border payments
Effective November 14, 2026, sent addresses for certain domestic markets must be fully structured or hybrid with a minimum of town (<TwnNm>) and country (<Ctry>) supplied in the pain.001 or pain.008 file.
When issuing a SEPA DD, where the debtor account is located outside the European Economic Area (EEA), a structured or hybrid address must be provided for the debtor.
As of November 2026, Non-EEA SEPA Countries include Albania (AL), Andorra (AD), Moldova (MD), Monaco (MC), Montenegro (ME), North Macedonia (MK), San Marino (SM), Serbia (RS), Switzerland (CH), United Kingdom (GB), Vatican City State (VA).
This guidance does not replace any legal or regulatory requirements
This guidance does not replace any legal or regulatory requirements. This is not legal, tax, or compliance advice. You are responsible for ensuring payment information is complete and accurate and that your payment practices comply with applicable local and jurisdictional requirements. Requirements and timelines may change based on market practice or network rules.
Future-proofing recommendations
To get the most benefit from this transition, we strongly recommend migrating to the ISO 20022 messaging standard, specifically using the pain.001 message format for payment initiation.
This will help you:
- Improve straight-through processing (STP)
- Reduce manual interventions and errors.
- Enhance data quality and integrity throughout the payment lifecycle.
- Support compliance with global regulatory and screening requirements.
Upcoming updates for additional formats
Information for other formats—including EDIFACT, IDOC, MT10x, EPOS, Open Roads, and custom formats—will be available soon. Check back for the latest updates.
Client testing
Our client testing environment will be available soon. Check back here for updates and more information.
We are here to help
Start your internal assessments early to ensure a smooth transition. If you have questions or need support as you prepare for this change, contact our support team at hybrid.address.migration@jpmchase.com.
