Guide · pain.001 / ISO 20022
Structured addresses in pain.001
A pain.001 file is the customer payment initiation message sent to the bank. Postal addresses are carried in PstlAdr blocks attached to payment parties.
Written by Struct20022 · updated September 23, 2026
PstlAdr
At risk
<Cdtr>
<Nm>Atelier Garnier</Nm>
<PstlAdr>
<AdrLine>8 bis boulevard Voltaire</AdrLine>
<AdrLine>75011 Paris, France</AdrLine>
</PstlAdr>
</Cdtr>Structured
<Cdtr>
<Nm>Atelier Garnier</Nm>
<PstlAdr>
<StrtNm>Boulevard Voltaire</StrtNm>
<BldgNb>8 bis</BldgNb>
<PstCd>75011</PstCd>
<TwnNm>Paris</TwnNm>
<Ctry>FR</Ctry>
</PstlAdr>
</Cdtr>Hybrid
<PstlAdr> <AdrLine>8 bis Boulevard Voltaire</AdrLine> <PstCd>75011</PstCd> <TwnNm>Paris</TwnNm> <Ctry>FR</Ctry> </PstlAdr>
The main risk
A PstlAdr block made only of AdrLine risks rejection in the affected flows if town and country are not present as TwnNm and Ctry.
Convert without rekeying
Audit the file as it is, structure the addresses, then re-issue the pain.001 with the same amounts, references and IBANs.