Turn the ISO Hybrid Address Mandate urgency into advantage.

See below for resources explaining what’s changing and steps you may consider now to help minimize disruption and prepare for evolving market practices. JPMorgan is here to support your planning and readiness efforts.

Click to be taken to an in-depth client resource guide

Transforming your payments data today
positions you for evolving market rules tomorrow

ISO 20022:
Standardize to accelerate

Structured, richer payment data can help reduce exceptions and support faster reconciliation and straight‑through processing, while improving data quality for screening and compliance workflows, giving finance leaders more visibility and technology teams a cleaner integration path.

From mandate
to momentum

Harmonized cross‑border messaging and transparency can help reduce delays and friction across systems, enhancing cash visibility for pay ins and pay outs to simplify architectures, so teams can automate at scale with confidence.

Data‑driven payments,
built for growth

A common data model across payment rails unlocks smarter automation, better analytics, and new service innovation, turning compliance into competitive advantage across both CFO and CTO/CIO priorities.

Watch the videos to help understand why this matters, what's changing and frequently asked questions from clients.

Host to Host file transmission channel enables clients to send payment files from their Enterprise Resource Planning and Treasury Management Systems to the Bank. The file transmission channel supports many payment types globally enabling clients to initiate mixed payment files for cross border, high value domestic urgent payments as well as non-urgent payment messages - all in a single file.

Availability varies by market and product

Time is running out…

Ensures compliance, but why stop here…

Best path going forward

Accepted until November 2026

Standard beginning November 2026

Data structure optimized for the future

Postal Address
Data Format

Fully Unstructured

Hybrid

Fully structured

Summary

Clients input available address within a payment message into a free form Address Line

Minimum requirement is for clients to input address into hybrid structure fields including Town and Country


All available postal address data is inputted into the ISO20022 standard including fields like Street Name, Building Number, Floor, Postal Code, Town and Country.

Example

<Cdtr>​

<Nm>Round the Corner Limited </Nm>​

<PstlAdr>​

<AdrLine>Rafael House 50 </AdrLine>​

<AdrLine>IG11YT </AdrLine>​

 <AdrLine>GB </AdrLine>​

<Cdtr>​

<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> ​

<Cdtr>​

<Nm>Round the Corner LImited </Nm>​

<PstlAdr>​

<StrtNm>High Road</StrtNm>​

<BldgNb>50</BldgNb>​

<PstlCd>IG1 1YT</PstlCd>​

<TwnNm>Manchester </TwnNm>​

<Ctry>GB </Ctry>​

<PstlAdr>​

</Cdtr> ​

Local Mandate Examples
for processing on local rails

Updated periodically to reflect evolving market practices and channel readiness.

North America

Country

Reject Fully Unstructured Date
(High Value)

Reject Fully Unstructured Date
(Low Value)

Canada

Nov '26

United States

Nov '26

Europe, Middle East and Africa

Country

Reject Fully Unstructured Date
(High Value)

Reject Fully Unstructured Date
(Low Value)

Belgium

Nov '26

Nov '26

France

Nov '26

Nov '26

Germany

Nov '26

Nov '26

Ireland

Nov '26

Nov '26

Italy

Nov '26

Nov '26

Luxembourg

Nov '26

Nov '26

Netherlands

Nov '26

Nov '26

Russia

Nov '26

Saudi Arabia

Nov '26

South Africa (FX)

Nov '26

Spain

Nov '26

Nov '26

Switzerland

Nov '26

Nov '26

United Kingdom

Nov '26

Nov '26 (SEPA only)

Asia Pacific

Country

Reject Fully Unstructured Date
(High Value)

Reject Fully Unstructured Date
(Low Value)

Australia

Nov '26

Hong Kong CHATS EURO

Nov '26

Japan FXYCS

Nov '26

New Zealand

Nov '26

Philippines

Nov '26*

South Korea FCY

Nov '26

Latin America

Country

Reject Fully Unstructured Date
(High Value)

Reject Fully Unstructured Date
(Low Value)

Chile

Nov '26

For countries and/or payment types without a listed date, the effective dates are still being finalized. Please check your channel details for the most up-to-date information on specific payment types.

For SEPA Credit Transfers (CT), Direct Debits (DD) and SEPA-Instant, similar address rules apply; however, additional scheme or jurisdiction-specific requirements may apply. From 15th November 2026, any address provided 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).

The ISO 20022 migration can unlock significant strategic advantages for the future. While the transition is complex, J.P. Morgan can share resources and readiness guidance to support your planning.
Additionally, you can directly engage the ISO Hybrid Mandate Migration partners below should your team need technical resources or consultative management services to stay on track for the November 14th 2026 migration deadline.

Aarti Swamy
Head of Digital & Design Regulatory Transformation & Business Continuity
J.P. Morgan

Below is a list of ISO Hybrid Mandate Migration Partners you can hire from J.P. Morgan's Payments Consultant Implementation Program to help your team get compliant by November's deadline.

Read through, identify which partner works best for you and then click to get connected.

Third party resources referenced are provided for convenience only; clients are responsible for their selection and engagement.

Get Connected to a 3rd Party Consultant

Company Bio

An AI builder and technology services provider, building the bridge between AI investment and enterprise value by building full-stack AI solutions for our clients. Our deep industry, process and engineering expertise enables us to build an organization's unique context into technology systems that amplify human potential, realize tangible returns and keep global enterprises ahead in a fast-changing world.

Helps clients modernize treasury and payments platforms through scalable, tech-enabled consulting. We deliver measurable outcomes—from cost savings to compliance enablement—leveraging deep expertise across SAP, Microsoft, Salesforce, ServiceNow, Adobe, Workday, and Oracle. Our global talent network via Robert Half and agile delivery models ensure speed, flexibility, and consistent quality. A proven track record in ERP transformation, risk management, and operational excellence, brings innovation, executional rigor, and strategic alignment empowers clients to navigate change confidently and unlock long-term value.

Has helped corporations and financial institutions optimize, secure, and modernize their treasury and finance functions for over 20 years. Our specialized advisory services, combined with deep expertise and industry-leading research, empower organizations to operate with greater efficiency, security, and confidence.

Leading global technology consulting and digital solutions provider, part of the Mahindra Group, with a strong focus on Banking, Financial Services, and Insurance (BFSI). Partners with global banks, payment processors, and financial institutions to drive large-scale digital transformation, regulatory compliance, and modernization initiatives. 148,000+ professionals across 90+ countries, delivering domain-led, technology-driven outcomes for over 1,250+ clients.

ERPs supported

Microsoft Dynamics F&O, Oracle Fusion, Oracle EBS, SAP, Workday

Strongest ERP partnerships are with SAP, Oracle, Microsoft, and Workday.

Also ERP-agnostic, supporting file-based, API, and hybrid integration models, with access to a Talent Solutions database of 25M+ contractors covering virtually all other tools, systems, and accelerators.

Deltek, Ellucian, Epicor, Infor, JD Edwards, Microsoft Dynamics, NetSuite, Oracle, PeopleSoft, Sage, SAP, Workday, Yardi

Acumatica, Appfolio, Deltek, Epicor, Ellucian, Infor, JD Edwards, Microsoft Dynamics, NetSuite, Oracle, PeopleSoft, QuickBooks, Sage, SAP, Tyler Technology, Workday, Xero, Yardi

Solution/scope (high level)

Brings deep expertise in ISO 20022 messaging standards and the evolving Cross-Border Payments and Reporting Plus (CBPR+) requirements set to take effect in November 2026.

A strong understanding of the global payments landscape and the regulatory shifts driving ISO adoption, can help clients navigate the transition and ensure compliance ahead of the mandate deadline.

Separately, in collaboration with J.P. Morgan Payments, a suite of ready-to-deploy payment adapters have been developed, designed to be both user-friendly and fully CBPR+ compliant to help clients align their existing payment infrastructure with new messaging standards.

Covers migrating legacy payment files into certified ISO 20022 XML outputs by confirming in-scope formats/systems, completing a payment file inventory and gap analysis, and defining field-level mappings plus transformation, enrichment, and exception-handling rules.

ISO messages (e.g., pain.001, pacs.008, camt) are generated and validated against ISO schema and JPM testing requirements, supported by iterative parallel runs (legacy vs. ISO), reconciliation, defect remediation, and certification through cutover.

The approach is ERP-agnostic, supports coexistence of legacy and ISO formats, and includes built-in validation, auditability, and controlled sign-offs.

Helps execute ISO 20022 hybrid migrations with minimal disruption. We assess your current payment and reporting flows, identify impacted systems and bank channels, and define a pragmatic target state.

Our team builds an actionable roadmap, supports message mapping and downstream reconciliation/reporting changes, and designs testing and cutover plans. We provide governance and program management, align stakeholders across Treasury, IT, ERP/TMS, and banking partners, and help reduce risk through disciplined delivery.

Provides end-to-end ISO 20022 transformation services tailored for corporate clients, covering message migration, data enrichment, integration, testing, and compliance readiness.

A ready to deploy utility proven with J.P. Morgan clients that converts the Credit Transfer Initiation request to ISO defined XML formats ensuring seamless mapping, validation, and reconciliation across payment formats.

Regions

Global

Global delivery via a network of more than 90 offices in over 25 countries, with combined onshore/offshore execution centers (including an Americas Delivery Center).

Our AI Accelerator also supports international address remediation across markets such as China, Japan, Malaysia, India, and Vietnam.

North America

Globally across 90+ countries with a strong presence across North America, Europe, APAC, and Middle East.

Delivery model combines global delivery centers with localized client engagement to support multinational enterprises.

Languages

Operates in over 30 languages globally, supporting service desks, IT support and business process outsourcing

Supports a wide range including English, Spanish, French, German, Portuguese, Italian, Arabic, Dutch and major Asian languages including Japanese & Chinese through its distributed global workforce.

Supports English, Spanish, French (limited) and Portuguese (limited)

Supports a wide range including English, Spanish, French, German, and major Asian languages through its distributed global workforce.

Multilingual capabilities are embedded across delivery, support, and customer experience solutions supporting cross-border payments, regulatory, and finance operations.

Company URL

https://www.cognizant.com/us/en

https://www.protiviti.com/us-en

https://strategictreasurer.com/

https://www.techmahindra.com/



This page is provided for informational purposes only and does not constitute legal regulatory, tax, or compliance advice.
Third party resources referenced are provided for convenience only; clients are responsible for their selection and engagement.
Get Connected to a 3rd Party Consultant