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

Malaysia

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).