ISO20022 Address Converter Documentation

Comprehensive documentation for integrating the ISO20022 Address Converter into your banking systems to ensure compliance with ISO20022 address formatting requirements for cross-border payments.

Complete technical documentation covering core capabilities, technology stack, integration patterns, and implementation roadmap

This comprehensive document provides detailed information about the ISO20022 Address Converter, including:

Executive Summary and Business Context
Core Capabilities and Supported Address Formats
Technical Architecture and System Components
API Reference and Integration Patterns
Implementation Roadmap and Performance Benchmarks

Last Updated: March 25, 2025 | Document Version: 1.0.3

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Executive Summary

Introduction to the ISO20022 Address Converter

The ISO20022 Address Converter is a specialized solution designed to help financial institutions meet the stringent address formatting requirements of the ISO20022 messaging standard for cross-border payments. This document provides comprehensive guidance for integrating the Address Converter into existing banking systems to ensure compliance with ISO20022 regulations while minimizing operational disruption.

The solution transforms unstructured address data from various sources into the structured format required by ISO20022, supporting both interactive user input and automated batch processing. By implementing this solution, banks can:

Ensure compliance with ISO20022 address formatting requirements
Reduce payment rejection rates due to address formatting issues
Minimize manual intervention in payment processing
Improve straight-through processing (STP) rates
Support multiple address formats across different countries and regions

Business Context

ISO20022 regulatory requirements and compliance timeline

ISO20022 Regulatory Requirements

The ISO20022 standard represents a paradigm shift in financial messaging, introducing structured data elements that enable more efficient, automated processing of financial transactions. For cross-border payments, the standard imposes specific requirements for address formatting.

Address Component	ISO20022 Field	Description	Required
Street Name	`StrtNm`	Name of the street	Optional
Building Number	`BldgNb`	Building number	Optional
Post Code	`PstCd`	Postal or ZIP code	Optional
Town Name	`TwnNm`	City or town name	Required
Country Subdivision	`CtrySubDvsn`	State, province, or region	Optional
Country	`Ctry`	Country code (ISO 3166)	Required
Address Line	`AdrLine`	Unstructured address line	Optional

Compliance Timeline

Date	Milestone
November 2022	SWIFT begins ISO20022 migration for cross-border payments
November 2023	Coexistence phase - support for both MT and MX formats
November 2025	Full ISO20022 compliance required for all SWIFT participants

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