Transform Payment Data for ISO 20022 Hybrid Compliance

By November 2026, banks and market infrastructures will require enhanced payment-data standards across cross-border payment flows to improve data quality, interoperability, and regulatory compliance. Organizations must transition to hybrid or fully structured address formats to meet ISO 20022 Hybrid Mandate.

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By November 2026, banks and market infrastructures will require enhanced payment-data standards across cross-border payment flows to improve data quality, interoperability, and regulatory compliance. Organizations must transition to hybrid or fully structured address formats to meet ISO 20022 Hybrid Mandate.

Tech Mahindra helps enterprises transform ERP, treasury management systems, and bank integrations to ensure compliance and operational continuity. Our Translation Hub accelerates your onboarding, converting existing formats into ISO 20022-compliant pain.001 messages that support hybrid and fully structured address requirements within weeks.

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Accelerate ISO 20022 Hybrid Compliance

ISO 20022 Readiness & Migration Workshop

Assess current payment infrastructure, identify compliance gaps, and define a structured migration roadmap.

ERP & Treasury Integration for Structured Payments

Generate structured ISO 20022 payment messages aligned with clearing-banks and payment infrastructure or minimally comply with November deadlines for either Hybrid or fully structured address.

Payment Data Transformation

Transform legacy payment formats into ISO 20022-compliant pain.001 messages supporting hybrid and structured address requirements.

Industries We Serve

Banking and Financial Institutions

Support banks in enabling ISO 20022 Hybrid Mandate compliant payment processing, structured data adoption across payment infrastructure.

Large Enterprises

Support enterprise treasury and finance teams in modernizing payment messaging and accelerating compliance readiness or to achieve minimal compliance quickly, either as Hybrid (min town and country) or fully structured address.

Insurance and Financial Services

Enable insurers to improve payment automation, reconciliation, and compliance through structured transaction data.

Treasury Intensive Enterprises

Support organizations with high payment volumes to modernize payment data, improve reconciliation, and reduce operational breaks.

Key Highlights

Cost-effective Implementation within 6 weeks

Pre-configured clearing-bank validation rules and proprietary test data to bypass lengthy discovery phases and ensure rapid bank certification.

Multi-Vertical ERP & Treasury Integration Expertise

Deep integration capabilities across ERP, treasury, and banking platforms support organizations across transportation, logistics, retail, travel and entertainment, healthcare, manufacturing, automotive, defense, governments, and public services.

Non-Invasive Transformation Approach

A Translation Hub operates entirely outside your core systems, reducing complexity and risk in upgrading ERP and payments system to meet ISO 20022 Hybrid Mandate while protecting your IT budget.

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Our Partnership

We have partnered with J.P. Morgan to strengthen how corporate clients achieve ISO 20022 hybrid address compliance across their global payment flows. The collaboration combines Tech Mahindra’s ready-to-deploy migration solution to help corporates reduce downstream repairs and rejections, limit operational disruption without change to their existing ERP/TMS and payment processes.

Thought Leadership

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Adapting to the ISO20022 Hybrid Mandate: A 6-Week Migration Approach for Disruption-Free Compliance

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