International payments are moving towards the new ISO 20022 standard PAIN.001.001.09. This means that several banks are introducing new requirements for how address information is included in payment files from Business Central.
The biggest change is that addresses can no longer be handled as free text and instead need to be divided into structured fields.
From free text to structured address information
Previously, address information has often been sent as a single text string in the payment file. With the new standard, separate fields are instead used for example:
- Street name
- Street number
- Postal code
- City
- Country code
Important dates
Several banks began introducing the new requirements already during 2025.
November 2025: Banks gradually began requiring structured or hybrid addresses in international payments.
November 2026: Unstructured addresses will begin to be phased out completely.
The importance of updated address information
As banks introduce higher requirements for structured address information, it also becomes increasingly important that customer and vendor data is correctly updated in Business Central.
With Swebase and Inyett, it is possible to use external search to retrieve company information directly from sources such as the Swedish Companies Registration Office (Bolagsverket) within Business Central.
Read more here: Automatic validation of customer and vendor data with Swebase + Inyett
How we are preparing Swebase for the new requirements
During the summer, we at Programekonomi are working to ensure that Swebase supports the new PAIN.001.001.09 requirements for Business Central.
We are adapting the payment file handling and ensuring compatibility with the banks’ upcoming requirements, so our customers can continue working with international payments in a secure and efficient way going forward.
If you have any questions about how this may affect your Business Central solution, you are very welcome to contact us at Programekonomi
