Stop rejected payments before they happen.
PostalIQ transforms unstructured postal addresses into ISO 20022 CBPR+ compliant format — automatically. Before the November 2026 SWIFT deadline.
The November 2026 deadline is real. Is your institution ready?
* Industry estimate based on SWIFT community surveys
SWIFT will reject CBPR+ messages with unstructured postal addresses starting November 2026.
Most addresses in banking systems are still free-text — no StrtNm, no TwnNm, no Ctry.
Core banking vendors charge six-figure fees and take months for change requests.
Without a solution, payments get rejected. Customers suffer. Compliance reports.
PostalIQ sits between your backoffice and SWIFT. No changes to your core.
Intelligent Parsing
Multi-source country & city resolution using BIC, IBAN, clearing codes, and text analysis. Handles disordered addresses, country names in streets, and city-state ambiguities.
Confidence Scoring
Every transformation gets a confidence score (0-100). High confidence? Auto-transform. Low confidence? Human review. You stay in control.
Self-Learning Cache
Manual corrections are cached and reused automatically. Within the first month, expect 80%+ cache hit rate — dramatically reducing manual review volume.
On-Premise Deploy
Single Docker container. No data leaves your network. Full audit trail. GDPR compliant by design.
Six steps. Zero core banking changes.
PostalIQ processes each message through an intelligent multi-pass pipeline.
Cache Checkimproves over time
Before any processing, check if this address was seen before. If cached, apply the correction instantly — zero processing time.
Parse XML Message
Extract all postal address blocks from the pacs.008 message. Detect format (unstructured, hybrid, structured). Skip addresses that are already compliant.
Resolve Country
Multi-priority chain: 3/CC pattern → IBAN prefix → Agent BIC → Clearing system → LEI → Text analysis. Cross-check with city and postcode to disambiguate.
Resolve TownName
Match against 12,000+ cities worldwide. Filter by country, resolve overlaps (New York vs York), confirm by postcode proximity.
Extract Components
PostCode by country-specific regex. PostBox in 11 languages. Street/Building from residual text with order detection.
Validate & Output
XSD validation against CBPR+ schema. Truncation safety (35 chars TwnNm, 70 chars StrtNm). Confidence scoring determines auto-transform vs review queue.
Built for banking.
On-Premise Deploy
Single Docker container runs in your infrastructure. Messages never leave your network perimeter.
Full Audit Trail
Every transformation logged with confidence score, sources used, and decision rationale. Ready for compliance audits.
Stateless Processing
No message data stored permanently. Process, transform, deliver. The cache stores only address patterns, not message content.
Human-in-the-Loop
Low-confidence transformations go to a review queue. Operators approve or correct. Four-eyes principle optional.
See PostalIQ in action.
Click Transform to see how an unstructured address becomes CBPR+ compliant.
Want to test with YOUR messages? Request a demo below.
Simple, transparent pricing.
One-time setup fee of €5,000. No hidden costs.
Standard
For banks processing up to 5,000 CBPR+ messages/month
- Up to 5,000 messages/month
- Core transformation engine
- Review dashboard
- Self-learning cache
- Email support
- Docker deployment
Professional
For banks with high volumes and advanced operational needs
- Up to 100,000 messages/month
- Everything in Standard
- Bulk processing API
- PDF/Excel reporting
- Webhook integrations
- Priority support (8h SLA)
- Custom rule configuration
Enterprise
For large institutions with specific requirements
- Unlimited messages
- Everything in Professional
- Dedicated support engineer
- Custom integrations (MQ, API)
- Multi-message-type support
- On-site deployment assistance
- SLA guarantees
Ready to test? Send us 100 messages.
We'll run them through PostalIQ and show you the results in 24 hours.
Or email us directly at [email protected]