Financial Crime Compliance Solutions | Eastnets

ISO 20022 Structured Address Migration

From November 2026, fully unstructured addresses will no longer be accepted in affected cross-border payment messages.

PaymentSafe helps financial institutions simplify the transition by extracting, enriching, structuring, validating, and generating ISO 20022-compliant address data. Reduce payment exceptions, improve data quality, and meet CBPR+ requirements with confidence.

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

The move to ISO 20022 structured addresses is more than a format change

Address data is often fragmented across Swift MT messages, core banking systems, customer records, APIs, and payment channels, making it difficult to ensure consistency, completeness, and compliance.

Without a structured migration strategy, financial institutions face increased payment exceptions, manual repair effort, operational risk, and potential compliance issues.

PaymentSafe simplifies the transition by extracting, enriching, validating, and structuring address data from multiple sources, helping you achieve compliance with confidence while improving data quality and payment processing efficiency.

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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