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.

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 critical point

After the deadline, a PstlAdr block made only of AdrLine risks rejection if town and country are not present as TwnNm and Ctry.

Convert without rekeying

The right workflow is to audit the file as-is, structure the addresses, then re-emit the pain.001 with the same amounts, references and IBANs.

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