Clean your beneficiary data before it becomes your bank’s problem.
After 14 November 2026, your bank may correct its own records but is forbidden by EPC §3.2 from touching your counterparty addresses — so when the network rejects a payment for an unstructured beneficiary address, the liability is yours as originator. ioNova ARS fixes every address at source, inside your ERP, TMS and pain files, ~98% automatically and 100% accurately, before the file ever leaves your systems.
What You Can Do
From Sandbox to Live
This is the canonical two-track plan. Get sandbox keys and your first resolved address in ~2 days; your team registers channels and tests in the production-shaped sandbox while ioNova tunes the engine on ~10,000 of your representative addresses in parallel. Swap test keys for live keys to go live in weeks 2–4 — comfortably before the cutover.
Why It Pays Off
Frequently asked questions
Can my bank correct my counterparty’s address for me?
No. Under EPC §3.2 a payment service provider may correct its own customer’s address but must pass counterparty addresses through unchanged — so a corporate must fix beneficiary data at source.
Who is liable if a payment is rejected for an unstructured address?
The originator. From 14 November 2026, CBPR+ and SEPA reject non-compliant payments at the network, and the liability sits with whoever assembled the payment.
Does ioNova ARS work inside SAP, Oracle, Kyriba, GTreasury and ION?
Yes — it deploys as a sidecar via REST, SFTP, JDBC and File Upload, with no core replacement.
How many addresses can I remediate at once?
Up to 10,000 addresses per call for batch master-data clean-up.
How fast can corporate treasury go live?
Typically 2–4 weeks end to end, with the sandbox live and returning resolved addresses within about two days.
Is the correction auditable?
Yes — every correction is deterministic and cites a regulatory rule_source, so the same input always produces the same output.
Live in weeks — before 14 November 2026.
First sandbox call in minutes, first channel live in days. Early Adopter terms end 31 July 2026.