GLOBAL PAYMENTS KNOWLEDGEISO 20022 / SWIFT / SEPA / MT / MX
NEWS / WHAT CHANGED

Payment standards, as they move.

Dated updates on the standards and infrastructure that carry payments — each tied to an official source, nothing volatile asserted without one. When a change is fully in force it moves to the archive, with the reason recorded.

  1. ISO 20022

    Remaining MT statement and initiation messages retire through 2027–2028

    The cross-border migration is not finished. After payment and cash-reporting MT messages were retired in November 2025, the remaining categories — including MT 9xx statements and MT 1xx-style messages — are scheduled to retire across 2027 and 2028, keeping readiness an ongoing task rather than a one-off project.

  2. ISO 20022

    Structured or hybrid postal addresses become mandatory on 15 November 2026

    From 15 November 2026, fully unstructured postal addresses are no longer permitted in in-scope ISO 20022 payment messages: debtor and creditor addresses must be sent in structured form, or in the hybrid form that pairs structured elements with limited free text. The change lands with the annual standards release across the major networks.

  3. Regulation

    FATF launches a 2026-2028 roadmap on combating fraud

    On 1 July 2026, the Financial Action Task Force (FATF) launched a two-year roadmap to tackle fraud, the first initiative of the incoming UK Presidency. The roadmap is a plan of work, not a new rule: FATF will gather data on fraud typologies through October 2026 before proposing what more the existing FATF toolkit can do.

Changes that are now business as usual — kept for the record, each with the reason it left the live feed.