Prepare for the November 2026 Deadline with Confidence

ISO 20022 is introducing new requirements for payer and payee address information. From November 2026, fully unstructured postal addresses will no longer be accepted in impacted cross-border payment messages.

Talk to an Eastnets ISO20022 Expert

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ISO20022 Structured Address Migration: Are you Reasdy for the changes?

Prepare for the November 2026 Deadline with Confidence

ISO 20022 is introducing new requirements for payer and payee address information. From November 2026, fully unstructured postal addresses will no longer be accepted in impacted cross-border payment messages.

Eastnets helps financial institutions capture, enrich, structure, validate, and generate compliant ISO 20022 address data, reducing operational risk and ensuring readiness for CBPR+ and future messaging requirements.

Key Outcomes
Ensure compliance with ISO 20022 structured address requirements
Convert legacy MT address data into structured ISO 20022 formats
Enrich missing address information through APIs and AI
Validate mandatory address elements before payment processing
Reduce operational disruption during migration

Structured Address Migration is More Than a Format Change

The transition to ISO 20022 requires institutions to move from free-text address data to structured or hybrid address formats. Address information often resides across multiple systems, including:

• Swift MT messages
• Core banking platforms
• Customer records
• APIs
• Payment channels

This creates challenges around data quality, completeness, and compliance. Without the right approach, institutions face increased payment exceptions, repair costs, and operational risk.

Eastnets simplifies the journey.

Extract

Capture address information from MT messages, customer systems, APIs, or unstructured payment data.

Enrich

Retrieve missing payer or payee information through API-based enrichment and customer data sources.

Structure

Convert address data into ISO 20022 structured or hybrid postal address formats.

Validate

Ensure mandatory fields such as Town Name and Country are present and compliant with CBPR+ requirements.

Repair

Route incomplete or low-confidence records to exception handling workflows for review and correction.

Generate

Produce ISO 20022-compliant payment messages ready for processing and onward transmission.

Stay compliant with the ISO20022 changes

Eastnets PaymentSafe enables banks and payment service providers to successfully transition to ISO 20022 structured address requirements while maintaining business continuity.

Structured Address Generation

Generate ISO 20022-compliant structured and hybrid postal addresses from multiple data sources.

MT-to-MX Transformation

Transform legacy MT payment messages into ISO 20022 formats while supporting coexistence requirements.

API-Based Enrichment

Retrieve missing payer and beneficiary address information from customer systems and internal databases.

AI-Assisted Address Extraction

Extract address components from unstructured text using AI with confidence scoring for improved automation.

Validation & Exception Handling

Validate mandatory address elements and route exceptions for manual review and repair.

Flexible Migration Paths

Support multiple implementation approaches depending on data availability and system maturity.

Future-Ready Compliance

Prepare for ongoing ISO 20022 evolution and future market infrastructure requirements.

Built for Real-World Data Challenges

Whether address data exists in MT messages, customer systems, APIs, or only as unstructured text, Eastnets provides a practical migration path.

Reduced Operational Risk

Validate data before payment execution and proactively manage exceptions through structured workflows.
Combined API and AI enrichment models

Allowing institutions to adopt the approach that best fits their environment.
40+ years of expertise

SWIFT, payment transformation, and ISO 20022 helps institutions move beyond compliance and achieve operational excellence.

Why Eastnets

Trusted by more than 800 financial institutions worldwide, Eastnets delivers secure, scalable solutions across payments, messaging, compliance, and financial crime prevention.
SWIFT bureau certified and delivering payment transformation for banks, PSPs and fintechs, we helps institutions move beyond compliance and achieve operational excellence in ISO 20022.

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Compliance & Industry Alignment

The move to structured addressing is being driven by:

· ISO 20022 migration requirements
· SWIFT CBPR+ guidelines
· Industry adoption timelines
· Increasing demand for richer, higher-quality payment data

Following the November 2026 deadline, fully unstructured addresses will no longer be accepted in affected payment messages.

Eastnets helps ensure your institution remains:

· Compliant
· Operationally resilient
· Ready for future standards evolution