---
title: SWIFT Deliverability
description: Requirements for compliance documents and beneficiary address formatting that maximize the chance a SWIFT transfer is delivered.
navigation:
  order: 8
---

## Summary

SWIFT is the global payment network BlindPay uses to send and receive money internationally, processed exclusively through tier 1 banks. To maximize deliverability, every B2B SWIFT payment requires a compliance document proving the relationship between sender and customer, and beneficiary addresses must follow strict formatting rules with a 140-character limit. Documents that fail to establish the sender-customer relationship cause the payment to be rejected.

## Compliance Documentation

Every B2B payment sent through SWIFT requires a transaction document showing the **relationship between the sender and the customer**.

BlindPay accepts the following transaction documents:

- [Invoice](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/invoice-template.pdf)
- [Purchase Order](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/purchase-order-template.pdf)
- [Delivery Slip](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/delivery-slip-template.pdf)
- [Contract](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/contract-template.pdf)
- [Customs Declaration](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/customs-declaration-template.pdf)
- [Bill of Lading](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/bill-of-lading-template.pdf)
- [Others](https://pub-4fabf5dd55154f19a0384b16f2b816d9.r2.dev/invoice-template.pdf)

::c-alert{icon="triangle-exclamation"}
**Important**: If the document doesn't show the relationship between the sender and the customer, the payment will be rejected.
::

To submit transaction documents via the API and track their review status, see the [SWIFT Statuses](/knowledge-base/guides/swift-statuses) guide.

## How to Add a SWIFT Account

1. In your instance, open **Customers** from the sidebar menu and select the customer you want to register the SWIFT account for.
2. Open **Bank Accounts**, then in **Add Bank Account** select the payment method **International Swift**. You can also add [bank accounts via the API](/docs/essentials/bank-accounts).
3. Enter the SWIFT account details:
   - Fill in all fields in **UPPERCASE only**
   - Use plain text only — no punctuation (no commas, periods, or special characters)
   - ✅ **Correct**: `JPMORGAN CHASE BANK NA SINGAPORE`
   - ❌ **Incorrect**: `J.P. Morgan Chase Bank, N.A., Singapore.`
4. If the SWIFT code has only 8 characters, append `XXX`:
   - `CHASSGSG` becomes `CHASSGSGXXX`
   - This routes communication directly to the bank's main branch.
5. Click **Create**. The SWIFT account is now linked to that customer.

## Beneficiary Address Requirements

To ensure successful processing of SWIFT payments, addresses must follow strict formatting rules. All address elements combined must not exceed **140 characters**.

### Address Structure

A complete SWIFT-compatible address consists of:

1. **Address Line 1** - Street name, building number, or primary physical location
2. **Address Line 2** - Additional location details (office, apartment, room, floor)
3. **City** - Name of the city or municipality
4. **State / Province Code** - ISO-style two-character state or region abbreviation
5. **Postal Code** - National postal identifier
6. **Country Code** - ISO 3166-1 alpha-2 country code

### Field Requirements

| Field           | Requirement                                                                                                                          | Example                   |
| --------------- | ------------------------------------------------------------------------------------------------------------------------------------ | ------------------------- |
| Address Line 1  | Max 70 characters combined with Addr2. Main street/building only. No P.O. Boxes unless the receiving bank explicitly allows them.     | `123 Gran Via Building A` |
| Address Line 2  | Max 70 characters combined with Addr1. Secondary details only (unit, suite, floor, block).                                           | `Suite 405`               |
| City            | Max 35 characters. Full city name, not abbreviations unless the official name is abbreviated.                                        | `Madrid`                  |
| State / Province Code | Exactly 2 characters. If the country has no states/provinces, repeat the 2-letter country code.                               | US → `CA`, ES → `ES`      |
| Postal Code     | Max 16 characters. All-numeric or alphanumeric. No special symbols. HK → `999077`, UAE → `00000`.                                    | US `94105`, UK `M4A1B3`   |
| Country Code    | Exactly 2 letters, ISO 3166-1 alpha-2.                                                                                               | `ES`                      |

### Example: Correctly Formatted Address

```
Addr1: 123 Gran Via Bldg A
Addr2: Suite 405
City: Madrid
State: ES
Postal Code: 28013
Country: ES
```

**Full combined output** (must be ≤ 140 chars):
`123 Gran Via Bldg A Suite 405 Madrid ES 28013 ES` (59 characters)

### Example: Converting a Long Address

**Original address** (too long for SWIFT):

```
Building 12, Zone C, Longhua Science & Technology Industrial Park,
Minzhi Street, Longhua New District, Shenzhen City, Guangdong Province, China 518131
```

**Converted SWIFT-compatible version**:

```
Addr1: Bldg 12 Zone C Longhua Sci-Tech Ind Park
Addr2: Minzhi St
City: Shenzhen
State: CN (China does not use state codes → use country code)
Postal Code: 518131
Country: CN
```

**Full combined output**:
`Bldg 12 Zone C Longhua Sci-Tech Ind Park Minzhi St Shenzhen CN 518131 CN` (95 characters)

### Address Submission Checklist

Before submitting an address, verify:

- [ ] Addr1 + Addr2 ≤ 70 characters
- [ ] City ≤ 35 characters
- [ ] State is exactly 2 letters
- [ ] Postal code ≤ 16 alphanumeric characters
- [ ] Country is exactly 2 letters
- [ ] Entire address ≤ 140 characters
- [ ] Address contains no unsupported symbols

## Related

- [SWIFT Statuses](/knowledge-base/guides/swift-statuses) · [Bank Accounts](/docs/essentials/bank-accounts)
- [Payouts](/docs/essentials/payouts)

::c-support
::