Check ISO 20022 Postal Address
check_postal_addressCheck a structured ISO 20022 postal address against SPS, HVPS+, or Fedwire rules. Get rule-by-rule verdicts with source citations to confirm rail acceptance before submitting.
Instructions
Check a structured ISO 20022 postal address against a payment rail's published address rules, rule by rule, each verdict citing the document it comes from. USE WHEN: assembling a payment instruction (pain.001, a Fedwire message, a T2 transfer) with a creditor or debtor address, to learn whether the rail accepts it BEFORE submitting. The November 2026 changes (SIC 20.11, Fedwire 16.11, T2 R2026.NOV) remove the fully unstructured address option — this check tells you whether an address survives them. DO NOT USE to verify that a street or town EXISTS: this checks conformity with the message format rules, not postal reality. SCHEMES: 'sps' (Swiss Payment Standards, SIX), 'hvps_plus' (HVPS+ / T2, ECB), 'fedwire' (Federal Reserve). There is deliberately NO 'cbpr+' scheme: that guideline sits behind swift.com, unreachable to automated readers, and a conformity boolean quoting an unread document would be a guess dressed as a verdict — the note field restates this on every answer. VERDICTS per finding: pass, fail, not_applicable — the last marks a rule whose precondition is not met and never counts as a pass. conforms is true when no finding failed. IMPORTANT: relay each finding's source string — it names the exact document, version and validity date the rule is quoted from. That is what makes the verdict auditable. COST: free (routed to POST /v1/address/check). The paid surface is the postal_address block that lookup_bic and validate_iban return for the resolved institution.
Input Schema
| Name | Required | Description | Default |
|---|---|---|---|
| scheme | Yes | Which rail's rules to check against. | |
| address | Yes | The ISO 20022 PostalAddress under test, in ISO tag vocabulary (snake_cased). |
Output Schema
| Name | Required | Description | Default |
|---|---|---|---|
| note | Yes | Why 'cbpr+' is not on the menu. Served on every answer. | |
| scheme | Yes | ||
| conforms | Yes | True when no finding failed. not_applicable findings never count against it. | |
| findings | Yes | One entry per rule of the scheme, in a stable order. |