Affinis Information

Affinis is a specialist consultancy in ISO 20022, cross-border payments, and financial messaging — with deep expertise built over two decades working across payment market infrastructures, correspondent banking, B2B and bank-to-corporate payments, trade, securities, and funds. We work with financial institutions, corporates, and technology vendors navigating the structural changes reshaping global payments: ISO 20022 migration, CBPR+ adoption, CHAPS enhanced data requirements, and SEPA compliance. ISO 20022 Address Conversion API From November 2026, SWIFT CBPR+, CHAPS, and SEPA will reject payment messages containing fully unstructured postal addresses. With approximately 65% of global payment messages still carrying unstructured data, the pressure to act is significant — and the window is closing. The Affinis Address Conversion API transforms postal addresses from any format into validated ISO 20022 PostalAddress24 XML in a single REST call. It handles freeform strings, structured fields, 24+ country-specific formats, BFPO lookups, hybrid address fallback, and CBPR+ character set compliance — returning schema-validated XML ready for direct inclusion in a pacs.008 or pain.001 message. A free tier is available with no registration required. Source code licensing is available for on-premise deployment. Consultancy Services Beyond the API, Affinis provides expert advisory across ISO 20022 programme delivery, usage guideline interpretation, message design, and data quality strategy — supporting both technical teams and business stakeholders through complex payments transformation programmes. 📄 API Documentation: docs.affinis.co.uk 📩 Enquiries: info@affinis.co.uk