# JPMC-PDP Documentation from https://developer.payments.jpmorgan.com

# Payment and returns parameters

This page outlines the required fields needed to successfully submit a Real-Time Payment request. All required fields must be included to ensure your request is processed. Optional fields offer additional functionality and are not required for a successful request.

> This page serves as an overview of required fields. For all available fields including every conditional and optional field, refer to the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2).
> 

## Requirements by country

Information in this section provides details for these region-specific requirements. Review the information for the region to understand the requirements prior to coding. 

### Asia Pacific

#### Australia (NPP)

 
**Australia (NPP)**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. | 
| paymentIdentifiers.endToEndId | The payment's unique end-to-end ID that's assigned by the originator. | 1 | 35 | - For AU NPP Tax payment (category payment), populate ATO Payment Reference Number (PRN) - For AU NPP Superannuation payment (category payment), populate Payment Reference Number (PRN) - For AU NPP e-Invoice payment, populate PaymentID (as defined in the ANZ PEPPOL framework for e-Invoicing) - For the rest, populate Customer Ref | 
| value.currency | The currency of value.amount. | 3 | 3 | Fixed value: "AUD" | 
| value.amount | The value’s amount. | 1 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: AUD 10,000,000 | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be RTP. | 
| debtor.account.accountNumber | The debtor’s account number. | 1 | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent’s financial institution ID. | 8 | 8 | Field is expected to have this BIC value: CHASAU2X | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | "BIC" | 

**Australia (NPP) Pay to Account required fields**

 
**Australia (NPP) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Enter the requested execution date for the payment instruction in yyyy-mm-dd format. Use today’s date or a future date. | 1 | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - For AU NPP Tax payment (category payment), populate ATO Payment Reference Number (PRN) - For AU NPP Superannuation payment (category payment), populate Payment Reference Number (PRN) - For AU NPP e-Invoice payment, populate PaymentID (as defined in the ANZ PEPPOL framework for e-Invoicing) - For the rest, populate Customer Ref | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Fixed value: AUD | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must have no more than two decimal places. - Must be greater than 0.01. - Max limit: AUD $10,000,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be Credit for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Field must have an 8 digit BIC value: CHASAU2X. | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  |  | Must be BIC. | 
| creditor.account.accountNumber | This field captures a regular account number. |  | 35 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. | 
| creditor.name | Party name |  | 140 | Mandatory for Pay to Account. | 
| creditorAgent.financialInstitutionIds[].id | Financial Institution Identifier, such as Bank Branch State Identifier (BSB code) |  | 11 | Field must be populated with the BSB Code. | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 18 | Must be CLEARING_SYSTEM_ID. | 

**Australia (NPP) Pay to Proxy required fields**

 
**Australia (NPP) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, in yyyy-mm-dd format. Use today’s date or a future date only. | 1 | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - For AU NPP Tax payment (category payment), populate ATO Payment Reference Number (PRN) - For AU NPP Superannuation payment (category payment), populate Payment Reference Number (PRN) - For AU NPP e-Invoice payment, populate PaymentID (as defined in the ANZ PEPPOL framework for e-Invoicing) - For the rest, populate Customer Ref. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Fixed value: AUD | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be no more than two decimal places. - Must be greater than 0.01 - Max limit: AUD $10,000,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be Credit for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Field is expected to have an 8 digit BIC value: CHASAU2X. | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  |  | Must be "BIC". | 
| creditor.account.alternateAccountIdentifiers.identifier | Alternate account identifier. |  | 256 | Required for Pay to Proxy. | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account. | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers.[x].idType =PROPRIETARY |  | 4 | Required for Pay to Proxy. Values include: - "EMAL": Email Address - "TELI": Telephone Number - "AUBN": Australia Business number - "ORGN": Organization ID | 
| creditorAgent.financialInstitutionIds[].id | Financial Institution Identifier, such as Bank Branch State Identifier (BSB code) |  | 11 | Field must be populated with the BSB Code. | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 18 | Must be "CLEARING_SYSTEM_ID". | 

**Australia (NPP) optional fields**

 
**Australia (NPP) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently supports DDA or VAM account. | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) |  | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 |  | 
| creditor.postalAddress.streetName | Street name |  | 70 |  | 
| creditor.postalAddress.city | City |  | 35 |  | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 |  | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 |  | 
| creditor.postalAddress.country | Country |  | 2 | 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name |  | 140 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth |  | 35 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 |  | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 |  | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name |  | 70 |  | 
| additionalParties.ultimateDebtor.postalAddress.city | City |  | 35 |  | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code |  | 16 |  | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division |  | 35 |  | 
| additionalParties.ultimateDebtor.postalAddress.country | Country |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateCreditor.organizationIds[].organizationId | Formally issued organization identifier |  | 35 | - Either individualID or organizationID, not both - For AU Superannuation payment (category payment), populate with USI number for the Superannuation fund | 
| additionalParties.ultimateCreditor.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. |  | 3 | Must be "USI". | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 | Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) |  | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name |  | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.city | City |  | 35 |  | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code |  | 16 |  | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country sub division |  | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.country | Country |  | 2 | 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details |  | 35 | Either individualID or organizationID, not both | 
| paymentPurpose.purpose.code | Underlying reason for the payment transaction, such as a charity payment or a commercial agreement between creditor and debtor. |  | 4 | REFU (O) - client to be provided an option in case of refund of a superannuation payment. | 
| paymentPurpose.purpose.type | Purpose type |  | 4 | "CODE" | 
| paymentPurpose.categoryPurpose.code | Purpose code |  | 4 | SALA TAX PENS(O) - PDP - if client need to initiate CPC payment then SALA, TAX and PENS will be used. | 
| paymentPurpose.categoryPurpose.proprietary | Specifies the type of scheme with a proprietary code. |  | 4 |  | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 

#### Hong Kong (FPS)

**Hong Kong (FPS) Pay to Account required fields**

 
**Hong Kong (FPS) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format: YYYY-MM-DD. - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. - No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Field must match HKD or CNY expression. | 
| value.amount | A string representation of a whole number or decimal positive number. Amount must be greater than 0.01, with a maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01. - Maximum 2 decimal places. - Maximum Limit: HKD or CNY 999,999. | 
| transferType | Indicates the direction of the money movement. |  |  | Must be set to Credit for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be set to RTP for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Must be the 8 digit BIC value: "CHASHKHH". | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  |  | Must be "BIC". | 
| creditor.account.accountNumber | This field captures a regular account number |  | 35 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. Required only for Pay by Account. Not applicable for Pay by Proxy. | 
| creditor.account.accountType | The type of account. |  | 4 | - Required for Pay to Account. - Value: BBAN | 
| creditor.name | Party name |  | 140 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].id | Financial institution identifier, such as a three digit bank code. |  | 3 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 18 | - Mandatory for Pay to Account - Value: "CLEARING_SYSTEM_ID" | 
| paymentPurpose.categoryPurpose.proprietary | Specifies the type of scheme with a proprietary code. |  | 4 | Values include: - "CXSALA": Salary and benefits payment - "CXBSNS": General business payment Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes. | 

**Hong Kong (FPS) Pay to Proxy required fields**

 
**Hong Kong (FPS) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format: YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. - No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Field is expected to match HKD or CNY expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. - Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: HKD / CNY 999,999 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be Credit for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Field is expected to have an 8 digit BIC value: "CHASHKHH" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  |  | Must be "BIC". | 
| creditor.account.alternateAccountIdentifiers.identifier | Alternate account identifiers. |  | 34 | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers.[x].idType =PROPRIETARY |  | 4 | Required for Pay to Proxy. Values include: - "EMAL": Email Address - "MOBN": Mobile Number (or fixed-line number) - "SVID": FPS identifier | 
| paymentPurpose.categoryPurpose.proprietary | Specifies the type of scheme with a proprietary code. |  | 4 | Values include: - "CXSALA": Salary and benefits payment - "CXBSNS": General business payment - "CXMRCH": FPS merchant payment - "CXTOPU": Account top-up payment Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes. | 

**Hong Kong (FPS) optional fields**

 
**Hong Kong (FPS) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Supports DDA or VAM account only. | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| creditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Recommended for TP3 flows | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name |  | 140 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows. Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows. Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country sub division |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details |  | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 

#### India (IMPS)

**India (IMPS) required fields**

 
**India (IMPS) required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must match ISO date format (YYYY-MM-DD). - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction in the file. Special characters are not allowed. - The characters on the right are treated as low order and must be unique. - The first 16 characters are populated in the account statements and reports as customer reference. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Fixed value: INR | 
| value.amount | A string representation of a whole number or decimal positive number. The amount must be greater than 1 and can have up to two decimal places in most markets. | 1 | 18 | Max limit: INR 500,000 | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be RTP. | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier of the debtor. | 8 | 8 | Field must have a 8 BIC value: CHASINBX | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | Must be BIC. | 
| creditor.account.accountNumber | The creditor’s account number. | 1 | 34 | This field is used to provide the regular account ID for Pay by Account instructions only. | 
| creditor.account.accountType | The creditor's account type. | 4 | 4 | Allowed Values: - "CACC": CURRENT - "LOAN": LOAN - "NREX": NRE - "ODFT": OVERDRAFT - "SVGS": SAVINGS - "CACR": CASHCREDIT - "NROR": NRO - "SNRR": SNRR | 
| creditor.name | The creditor’s name. | 1 | 140 | Mandatory for Pay to Account. Currently supports just Pay by Account. | 
| creditorAgent.financialInstitutionIds[].id | The creditor agent’s financial institution ID. | 11 | 11 | 11 character IFSC Code is mandatory for Pay to Account Example: BKID0002743: - 1st 4 characters = Bank Name - 5th character = 0 - last 6 characters = Bank branch identifier | 
| creditorAgent.financialInstitutionIds[].idType | The creditor agent's financial institution ID type. | 18 | 18 | Use CLEARING_SYSTEM_ID. | 

**India (IMPS) optional fields**

 
**India (IMPS) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | Type of account associated with the debtor. | 1 | 3 | Currently support only DDA account. | 
| debtor.account.accountCurrency | The debtor's account currency. | 3 | 3 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Creditor's country subdivision code. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Creditor's country of residence. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.organizationIds[].organizationId | Creditor's formally issued organization identifier. | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.Name | Creditor's party name. | 1 | 120 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | Creditor's city of birth. | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Creditor's country of birth. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Creditor's date of birth. | 10 | 10 | - Recommended for TP3 flows - Must be in YYYY-MM-DD format. | 
| additionalParties.ultimateCreditor.postalAddress.type | Creditor's postal address type. | 4 | 4 | Recommended for TP3 flows. Values are: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Creditor's unstructured addresses. | 1 | 70 | - Recommended for TP3 flows - Maximum of 7 lines | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Creditor's building number. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Creditor's street name. | 1 | 70 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.city | Creditor's city. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Creditor's postal code. | 1 | 16 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Creditor's country sub division. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.country | Creditor's country. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual identifier details. | 1 | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | The payment's remittance information. | 1 | 50 | This is to provide additional payment details, which J.P. Morgan may or may not send to clearing. | 
| paymentPurpose.categoryPurpose.code | A code representing the high-level purpose of a payment, based on a set of predefined categories. | 1 | 4 | If it is a Payroll payment, populate with 'SALA - Payroll payment'; otherwise, leave it blank. | 

#### India (RDA)

**Required fields**

 
**India RDA required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Field is expected to match ISO date format (YYYY-MM-DD). - Must be either the current or future date. | 
| paymentIdentifiers.endToEndId | The payment's unique end-to-end ID that's assigned by the originator. | 1 | 35 | - Must be unique for each transaction within the file. No special characters allowed. - This value is used for duplicate checking and the right most positions are assumed to be low order (and therefore unique). - Only first 16 characters will be populated in the Account Statements and Reports as Customer Reference. | 
| value.currency | The value’s currency. | 3 | 3 | Fixed value: INR | 
| value.amount | The value’s amount. | 1 | 18 | - Must be > 1.00. Max 2 decimal places. Max Limit through IMPS: INR 500,000. Refer Purpose Code list for Transaction limits. | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT | 
| paymentType | The payment type. | 3 | 3 | Must be RTP | 
| paymentTypeInformation.localInstrumentCode.proprietary | Specifies the local instrument, as a proprietary code. | 3 | 3 | Should be RDA | 
| debtor.account.accountNumber | The debtor’s account number. | 1 | 34 | NREH's account with JPM India | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent’s financial institution ID. | 8 | 8 | Field is expected to have this BIC value: CHASINBX | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | BIC | 
| creditor.account.accountNumber | The creditor’s account number. | 1 | 34 | This field is to provide the regular account id when it is a Pay by Account instruction. Currently supports Pay by Account only. | 
| creditor.account.accountType | The creditor's account type. | 4 | 4 | Allowed values: - "CACC" : CURRENT - "LOAN" : LOAN - "NREX" : NRE - "ODFT" : OVERDRAFT - "SVGS" : SAVINGS - "CACR' : CASHCREDIT - "NROR" : NRO - "SNRR" : SNRR | 
| creditor.name | The creditor’s name. | 1 | 140 | Mandatory for Pay to Account. Currently supports Pay by Account only. | 
| creditor.postalAddress.addressLines | The creditor's unstructured address. | 1 | 70 |  | 
| creditor.postaladress.postalCode | The creditor's postal code. | 1 | 16 |  | 
| creditor.countryOfResidence | Country of residence | 2 | 2 | 2-character ISO country code | 
| creditorAgent.financialInstitutionIds[].id | The creditor agent’s financial institution ID. | 11 | 11 | Mandatory for Pay to Account 11 character IFSC Code. Example: BKID0002743 1st 4 characters = Bank Name, 5th character = 0, last 6 characters = Bank branch identifier | 
| creditorAgent.financialInstitutionIds[].idType | The creditor agent's financial institution ID type. | 18 | 18 | Use CLEARING_SYSTEM_ID | 
| additionalParties.ultimateDebtor.organizationIds[].organizationId | Formally Issued Organization Identifier | 1 | 35 | - 1st instance: Populate with ultimate debtor's bank account number or Unique Reference Number or Identification Number, if Ultimate Debtor is an entity or corporation. - 2nd Instance: Populate with Nationality, if the ultimate debtor is entity or corporation. - 3rd Instance: Populate with LEI code when the payment amount is > INR 500MM and if the ultimate debtor is entity or corporation. | 
| additionalParties.ultimateDebtor.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 1 | 35 | - When ultimate debtor is entity, 1st instance should be "ACCOUNT". - When ultimate debtor is entity, 2nd instance should be "NATIONALITY". - When ultimate debtor is entity, 3rd instance should be "LEI" when the payment amount is > INR 500MM | 
| additionalParties.ultimateDebtor.individualIds[].individualId | Individual id details | 1 | 35 | - 1st instance: Populate with ultimate debtor's bank account number unique reference number or identification number, if ultimate debtor is an individual or person. - 2nd Instance: Populate with Nationality, if the ultimate debtor is individual or person. | 
| additionalParties.ultimateDebtor.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 1 | 35 | - When ultimate debtor is individual or person, 1st instance should be ACCOUNT. - When ultimate debtor is individual or person, 2nd instance should be NATIONALITY. | 
| additionalParties.ultimateDebtor.Name | The ultimate debtor's name. | 1 | 140 |  | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses | 1 | 70 | Maximum of 7 lines. | 
| additionalParties.ultimateDebtor.postalAddress.city | City | 1 | 35 |  | 
| additionalParties.ultimateDebtor.postalAddress.country | The ultimate debtor’s country. | 2 | 2 | 2 character ISO code | 
| additionalParties.previousInstructingAgents[].position | Position of the previous instructing agent in the payment chain | 1 | 1 | - "1": This block should be used to add information for ultimate debtor's bank details. - "2": This block should be used to add information for the NREH's overseas bank. | 
| additionalParties.previousInstructingAgents[].account.name | Primary account details of the previous instructing agent. Name of the account, as assigned by the account servicing institution | 1 | 140 | - 1st instance is optional. - 2nd instance should include NREH's account name for the account number held with overseas bank. | 
| additionalParties.previousInstructingAgents[].account.accountNumber | This field captures a regular account number | 1 | 35 | - 1st instance is optional. - 2nd instance should include NREH's account number held with overseas bank. | 
| additionalParties.previousInstructingAgents[].financialInstitutionIds.id | Financial Institution Identifier | 8 | 8 | - 1st instance: Provide ultimate debtor's bank account BIC. - 2nd instance: NREH to provide the BIC of their preferred bank through which JPM DDA has been funded. | 
| additionalParties.previousInstructingAgents[].financialInstitutionIds.idType | Type of identifier | 3 | 3 | BIC | 
| paymentPurpose.purpose.proprietary | Purpose of the payment in proprietary form | 5 | 5 | Refer to the list of applicable purpose codes for RDA payments. | 

**India (RDA)**

**Optional fields**

 
**India RDA optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type | 1 | 3 | Currently only support DDA | 
| debtor.account.accountCurrency | The debtor's account currency. | 3 | 3 | INR | 
| creditor.postalAddress.type | Type of postal address | 4 | 4 | Allowed values are: "ADDR": Postal Address is the complete postal address. "BIZZ": Business Address is the business address. "DLVY": DeliveryTo Address is the address to which delivery is to take place. "HOME": Residential Address is the home address. "MLTO": MailTo Address is the address to which mail is sent. "PBOX": PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.buildingNumber | The creditor's building number. | 1 | 16 |  | 
| creditor.postalAddress.streetName | The creditor's street name. | 1 | 70 |  | 
| creditor.postalAddress.city | The creditor's city. | 1 | 35 |  | 
| creditor.postalAddress.countrySubDivision | The creditor's country subdivision. | 1 | 35 |  | 
| creditor.postalAddress.country | The creditor's country. | 2 | 2 |  | 
| creditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Country Subdivision Code | 2 | 2 |  | 
| creditor.dateAndPlaceOfBirth.country | Country of birth | 2 | 2 | 2-character ISO country code | 
| creditor.dateAndPlaceOfBirth.birthDate | Date of Birth | 10 | 10 | Format is YYYY-MM-DD | 
| creditor.partyId.organizationIds[].organizationId | Formally Issued Organization Identifier | 1 | 35 | 1st instance to be Tax ID or GST number of the beneficiary, if its an entity. When creditor is entity, 2nd instance to be LEI code if the bene is entity and amount of txn is >=INR 500MM | 
| creditor.partyId.organizationIds[].issuer | Issuer of formally Issued Organization Identifier | 1 | 35 |  | 
| creditor.partyId.organizationIds[].schemeName.properietary | Specifies the type of scheme with a proprietary code. | 1 | 35 | - 1st instance populate with "GST" - When creditor is entity, 2nd instance populate with "LEI" | 
| creditor.partyId.individualIds[].individualId | Individual id details | 1 | 35 | Tax ID or GST number of the individual if available, else leave blank | 
| creditor.partyId.individualIds[].issuer | Issuer of the identifier | 1 | 35 |  | 
| creditor.partyId.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 1 | 35 | Populate with "GST" in case GST number available, else leave blank | 
| additionalParties.ultimateDebtor.organizationIds[].issuer | Issuer of the identifier | 1 | 35 |  | 
| additionalParties.ultimateDebtor.individualIds[].issuer | Issuer of the identifier | 1 | 35 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country | 2 | 2 | 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date | 10 | 10 | Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence | 2 | 2 | 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address | 4 | 4 | Recommended for TP3 flows Allowed values are: "ADDR": Postal Address is the complete postal address. "BIZZ": Business Address is the business address. "DLVY": DeliveryTo Address is the address to which delivery is to take place. "HOME": Residential Address is the home address. "MLTO": MailTo Address is the address to which mail is sent. "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number | 1 | 16 |  | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name | 1 | 70 |  | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code | 1 | 16 |  | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division | 1 | 35 |  | 
| additionalParties.ultimateCreditor.Name | Party name | 1 | 120 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth | 2 | 2 | 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth | 10 | 10 | Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address | 4 | 4 | Recommended for TP3 flows Values are: "ADDR": Postal Address is the complete postal address. "BIZZ": Business Address is the business address. "DLVY": DeliveryTo Address is the address to which delivery is to take place. "HOME": Residential Address is the home address. "MLTO": MailTo Address is the address to which mail is sent. "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses | 1 | 70 | Maximum of 7 lines | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.city | City | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code | 1 | 16 |  | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country sub division | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.country | Country | 2 | 2 | 2-character ISO country code | 
| additionalParties.previousInstructingAgents[].name | Name of the previous instructing agent | 1 | 140 |  | 
| additionalParties.previousInstructingAgents[].account.accountType | Account type | 4 | 4 |  | 
| additionalParties.previousInstructingAgents[].account.accountCurrency | ISO 4217 Alpha-3 Currency Code | 2 | 2 |  | 
| additionalParties.previousInstructingAgents[].postalAddress.type | Type of postal address | 4 | 4 | Allowed values are: "ADDR": Postal Address is the complete postal address. "BIZZ" : Business Address is the business address. "DLVY": DeliveryTo Address is the address to which delivery is to take place. "HOME": Residential Address is the home address. "MLTO": MailTo Address is the address to which mail is sent. "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.previousInstructingAgents[].postalAddress.addresslines | Unstructured addresses | 1 | 70 | Maximum of 7 lines. | 
| additionalParties.previousInstructingAgents[].postalAddress.buildingNumber | Building number | 1 | 35 |  | 
| additionalParties.previousInstructingAgents[].postalAddress.streetName | Street name | 1 | 70 |  | 
| additionalParties.previousInstructingAgents[].postalAddress.city | City | 1 | 35 |  | 
| additionalParties.previousInstructingAgents[].postaladdress.postalCode | Postal code | 1 | 16 |  | 
| additionalParties.previousInstructingAgents[].postalAddress.countrySubDivision | ISO 3166-2 Alphanumeric 3 letter Country Subdivision Code | 1 | 35 |  | 
| additionalParties.previousInstructingAgents[].postalAddress.country | ISO 3166-1 Alpha-2 Country Code | 2 | 2 | 2-character ISO country code | 
| additionalParties.previousInstructingAgents[].isForeignParty |  |  |  | TRUE or FALSE | 
| remittanceInformation.unstructuredInformation.text | The payment's remittance information. | 1 | 50 | This is to provide other payment details. Maximum of 6 lines. | 
| remittanceInformation.structuredInformation[].referredDocumentInformation.documentIdentifier | Document identifier | 1 | 35 | Capture invoice number or any other reference number against which payment is being made. | 
| regulatoryReporting.details[].country | Country | 2 | 2 | Ultimate debtor should provide the country code in ISO format for the country from which the payment is initiated. This is to be used for mapping purpose code or country code in outgoing domestic message. | 

#### India (UPI)

**India (UPI) Pay to account required fields**

 
**India UPI required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must match ISO date format (YYYY-MM-DD). - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction in the file. Special characters are not allowed. - The characters on the right are treated as low order and must be unique. - The first 16 characters are populated in the account statements and reports as customer reference. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 currency code. | 3 | 3 | Fixed value: INR | 
| value.amount | A string representation of a whole number or decimal positive number. The amount must be greater than 1 and can have up to two decimal places in most markets. | 1 | 18 | Max limit: INR 100,000 for Pay to Accounts | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be RTP. | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier of the debtor. | 8 | 8 | Field is expected to have this 8 BIC value: CHASINBX | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | Must be BIC. | 
| creditor.account.accountNumber | The creditor’s account number. | 1 | 34 | This field is to provide the regular account id when it is a Pay by Account instruction only. | 
| creditor.account.accountType | The creditor's account type. | 4 | 4 | Allowed values: - "CACC": CURRENT - "NREX": NRE - "SVGS": SAVINGS - "CACR": CASHCREDIT - "NROR": NRO | 
| creditor.name | The creditor’s name. | 1 | 140 | Mandatory for Pay to Account. | 
| creditorAgent.financialInstitutionIds[].id | The creditor agent’s financial institution ID. | 11 | 11 | - Mandatory for Pay to Account. - 11 character IFSC Code. Example: BKID0002743. - 1st 4 characters = Bank Name, 5th character = 0, last 6 characters = Bank branch identifier | 
| creditorAgent.financialInstitutionIds[].idType | The creditor agent's financial institution ID type. | 18 | 18 | Use CLEARING_SYSTEM_ID | 

**India (UPI) Pay to Proxy required fields**

 
**India (UPI) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must match ISO date format (YYYY-MM-DD). - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction in the file. Special characters are not allowed. - The characters on the right are treated as low order and must be unique. - The first 16 characters are populated in the account statements and reports as customer reference. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Fixed value: INR | 
| value.amount | A string representation of a whole number or decimal positive number. The amount must be greater than 1 and can have up to two decimal places in most markets. | 1 | 18 | INR 100,000 for Pay to proxy (supports upto INR 500,000 for specific use-cases) | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT | 
| paymentType | The payment type. | 3 | 3 | Must be RTP | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier of the debtor. | 8 | 8 | Field must have a 8 BIC value: CHASINBX | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | Must be BIC | 
| creditor.account.alternateAccountIdentifiers.identifier | The Alternate Account Identifier value | 1 | 256 | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account | 11 | 11 | Must be "PROPRIETARY" | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers is present | 4 | 4 | Value options include: "MBNO": Mobile No (minimum 10 and maximum 10) "SHID": VPA Address (minimum 3 - maximum 255) "SSID": UPI ID (minimum 8 - max10) | 

**India (UPI)**

**Optional fields**

 
**India UPI optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | Type of account associated with the debtor. | 1 | 3 | Currently support only DDA account | 
| debtor.account.accountCurrency | The debtor's account currency. | 3 | 3 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Creditor's country subdivision code. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Creditor's country of residence. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.organizationIds[].organizationId | Creditor's formally issued organization identifier. | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.Name | Creditor's party name. | 1 | 120 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | Creditor's city of birth. | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Creditor's country of birth. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Creditor's date of birth. | 10 | 10 | - Recommended for TP3 flows - Must be in YYYY-MM-DD format. | 
| additionalParties.ultimateCreditor.postalAddress.type | Creditor's postal address type. | 4 | 4 | Recommended for TP3 flows. Values are: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Creditor's unstructured addresses. | 1 | 70 | - Recommended for TP3 flows - Maximum of 7 lines | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Creditor's building number. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Creditor's street name. | 1 | 70 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.city | Creditor's city. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Creditor's postal code. | 1 | 16 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Creditor's country sub division. | 1 | 35 | Recommended for TP3 flows. | 
| additionalParties.ultimateCreditor.postalAddress.country | Creditor's country. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual identifier details. | 1 | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | The payment's remittance information. | 1 | 50 | This is to provide additional payment details, which J.P. Morgan may or may not send to clearing. | 

#### Malaysia (RPP)

**Malaysia (RPP) Pay to Account required fields**

 
**Malaysia (RPP) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format: YYYY-MM-DD. - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field must match the "MYR" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: MYR 10,000,000 | 
| transferType | Indicates the direction of the money movement. The transaction is either a credit push transfer or a direct debit pull transfer. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtor.device.ipAddress | Device details of a party partaking in the money movement. |  | 35 | - If transferType = "CREDIT" - Mandatory for IP address only. | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Must have an 8 digit BIC value: "CHASMYKX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.accountNumber | This field captures a regular account number |  | 34 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. | 
| creditor.account.accountType | The type of account. |  | 4 | - "LOAN" - "DFLT" - "SVGS" - "CACC" | 
| creditor.name | Party name |  | 140 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].id | Financial institution identifier. |  | 11 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 3 | - Mandatory for Pay to Account - "BIC" | 
| paymentPurpose.purpose.code | This field is required for Malaysia Real-Time Payments Platform. Enter the reason for the payment, such as charity or commercial agreement between the creditor and the debtor. |  | 5 | - Required if either the debtor or creditor country of residency is not Malaysia - Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes - Should be a string value. | 
| remittanceInformation.structuredInformation[].creditReference.reference | Unique reference to unambiguously refer to the payment transaction. |  | 140 |  | 

**Malaysia (RPP) Pay to Proxy required fields**

 
**Malaysia (RPP) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or a future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field is expected to match "MYR" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max limit: MYR 10,000,000 | 
| transferType | Indicates the direction of the money movement. The transaction is either a credit push transfer or a direct debit pull transfer. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. |  | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtor.device.ipAddress | Device details of a party partaking in the money movement. |  | 35 | - If transferType = "CREDIT" - Mandatory for IP address only | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 8 | Field is expected to have one of these 8 digit BIC values: "CHASMYKX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.accountType | The type of account. |  | 4 | - "LOAN" - "DFLT" - "SVGS" - "CACC" | 
| creditor.account.alternateAccountIdentifiers.identifier | Alternate account identifier |  | If transferType = "CREDIT", Max - 256 If transferType = "DEBIT", Not Supported | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers.[x].idType =PROPRIETARY |  | 4 | Required for Pay to Proxy. Value options include: - "MBNO" — Mobile number - "NRIC" — IC number - "PSPT" — Passport number - "ARMN" — Army or Police Number - "BREG" — Business registration number | 
| paymentPurpose.purpose.code | This field is required for Singapore Faster Payments. Specify the reason for the payment, such as charity or commercial agreement between the creditor and the debtor. |  | 5 | - Required if either the debtor or creditor country of residency is not Malaysia - Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes | 
| remittanceInformation.structuredInformation[].creditReference.reference | Unique reference to unambiguously refer to the payment transaction. |  | 140 |  | 

**Malaysia (RPP) optional fields**

 
**Malaysia (RPP) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently supports DDA or VAM account | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| creditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Recommended for TP3 flows | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name |  | 140 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country sub division |  | Max - 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual id details |  | 35 | Either individualID or organizationID, not both | 
| paymentPurpose.purpose.type | Purpose type |  | 11 | "PROPRIETARY" Required if either the debtor or creditor country of residency is not Malaysia | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 
| remittanceInformation.structuredInformation[].additionalRemittanceInformation | Additional remittance information |  | 140 |  | 

#### Singapore (FAST)

**Singapore (FAST) Pay to Account required fields**

 
**Singapore (FAST) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field is expected to match "SGD" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: SGD 200,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have an 11 digit BIC value: "CHASSGSGXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.accountNumber | This field captures a regular account number |  | 35 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. | 
| creditor.name | Party name |  | 140 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].id | Financial institution identifier |  | 11 | Mandatory for Pay to Account | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | - Mandatory for Pay to Account - "BIC" | 
| paymentPurpose.purpose.code | This field is required for Singapore Faster Payments. Specify the reason for the payment, such as charity or commercial agreement between the creditor and the debtor. |  | 4 | This field is required for Singapore Faster Payments. Enter the reason for the payment, such as charity or commercial agreement between creditor and debtor. | 
| paymentPurpose.purpose.type | Purpose type |  | 4 | "CODE" Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes. | 

**Singapore (FAST) Pay to Proxy required fields**

 
**Singapore (FAST) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the first 16 characters will be populated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field is expected to match "SGD" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: SGD 200,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have an 11 digit BIC value: "CHASSGSGXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.alternateAccountIdentifiers.identifier | Alternate account identifiers |  | 256 | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. Mandatory if account.alternateAccountIdentifiers.[x].idType =PROPRIETARY |  | 4 | Required for Pay to Proxy. Value options include: - "MSIDN" — Mobile number - "UEN" — Unique Entity Number - "VPA" — Virtual Payment Address - "NRIC" — IC number RTP | 
| paymentPurpose.purpose.code | This field is required for Singapore Faster Payments. Specify the reason for the payment, such as charity or commercial agreement between the creditor and the debtor. |  | 4 |  | 
| paymentPurpose.purpose.type | Purpose type |  | 4 | "CODE" Refer to [Payments Developer Portal](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources) for list of purpose/category codes. | 

**Singapore (FAST) optional fields**

 
**Singapore (FAST) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently supports DDA or VAM account | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| creditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Recommended for TP3 flows | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name |  | 140 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows. Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country sub division |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual id details |  | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 

#### Thailand (PromptPay)

**Thailand (PromptPay) Pay to Account (Domestic) required fields**

 
**Required**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Enter the requested execution date in YYYY-MM-DD format. Use today’s date or a future date. | 1 | 10 | - Must be ISO date YYYY-MM-DD. - Must be current or future date. - Date is in clearing time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier for the payment initiation request. Passed unchanged end-to-end; account statements and reports show only the first 16 characters. | 1 | 35 | - Must be unique per transaction; no special characters. - Used for duplicate checking; rightmost positions assumed low order. - First 16 characters appear as Customer Reference. We may or may not pass to clearing. | 
| value.currency | Currency of the payment (ISO 4217 alpha-3). | 3 | 3 | Fixed value: THB. | 
| value.amount | Positive whole number or decimal. Amount must be greater than 0.01; up to two decimal places. | 1 | 18 | - ≤ 2 decimal places. > 0.01. - Max limit: THB 2,000,000.00. | 
| transferType | Indicates the direction of money movement. | 1 |  | Must be CREDIT for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP for routing rules. | 
| paymentTypeInformation.localInstrumentCode.proprietary | Proprietary code specifying the local instrument. | 5 | 5 | AA = scheme (e.g., PP), B = type (D domestic, C cross-border), CC = transaction (e.g., CT, BP). Always “PPDCT” for domestic transfers. | 
| debtor.account.accountNumber | Debtor account number. | 1 | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | Financial institution identifier (e.g., BIC). | 1 | 8 | Must be 8-character BIC: CHASTHBX. | 
| debtorAgent.financialInstitutionIds[].idType | Type of financial institution identifier. | 3 | 3 | Must be “BIC”. | 
| creditor.account.accountNumber | Regular account number. | 1 | 35 | Provide for Pay to Account. Do not populate for Pay to Proxy. | 
| creditor.name | Party name. | 1 | 140 | Mandatory for Pay to Account. | 
| creditorAgent.financialInstitutionIds[].id | Financial institution identifier (e.g., bank code). | 3 | 3 | Mandatory for Pay to Account. 3‑digit bank code. | 
| creditorAgent.financialInstitutionIds[].idType | Type of financial institution identifier. |  | 18 | Must be “CLEARING_SYSTEM_ID”. | 
| paymentPurpose.purpose.proprietary | Purpose of payment (proprietary code). |  | 6 | Mandatory if using non‑resident accounts for domestic payments (PPDCT) for regulatory reporting (6‑digit purpose code). | 
| paymentPurpose.categoryPurpose.proprietary | Category purpose (proprietary code). |  | 4 | Optional for domestic payments. Use “SALA” for salary to mask creditor details in statements/reports. | 
| remittanceInformation.unstructuredInformation.text | Unstructured remittance information. |  | 140 (2 lines) | Optional. Only first 40 characters sent to clearing. Thai characters allowed. | 

**Thailand (PromptPay) Pay to Proxy (Domestic) required fields**

 
**Thailand (PromptPay) Pay to Proxy (Domestic) required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Enter the requested execution date in YYYY-MM-DD format. Use today’s date or a future date. | 1 | 10 | Must be ISO date YYYY-MM-DD. Must be current or future date. Date is in clearing time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier for the payment initiation request. Passed unchanged end-to-end; account statements and reports show only the first 16 characters. | 1 | 35 | Must be unique per transaction; no special characters. Used for duplicate checking; rightmost positions assumed low order. First 16 characters appear as Customer Reference. JPM may or may not pass to clearing. | 
| value.currency | Currency of the payment (ISO 4217 alpha-3). | 3 | 3 | Fixed value: THB. | 
| value.amount | Positive whole number or decimal. Amount must be greater than 0.01; up to two decimal places. | 1 | 18 | ≤ 2 decimal places. > 0.01. Max limit: THB 2,000,000.00. | 
| transferType | Indicates the direction of money movement. | 1 |  | Must be CREDIT for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP for routing rules. | 
| paymentTypeInformation.localInstrumentCode.proprietary | Proprietary code specifying the local instrument. | 5 | 5 | AA = scheme (e.g., PP), B = type (D domestic, C cross-border), CC = transaction (e.g., CT, BP). Always “PPDCT” for domestic transfers. | 
| debtor.account.accountNumber | Debtor account number. | 1 | 35 |  | 
| debtorAgent.financialInstitutionIds[].id | Financial institution identifier (e.g., BIC). | 1 | 8 | Must be 8-character BIC: CHASTHBX. | 
| debtorAgent.financialInstitutionIds[].idType | Type of financial institution identifier. | 3 | 3 | Must be “BIC”. | 
| creditor.account.alternateAccountIdentifiers.identifier | Alternate account identifier. |  | 15 | Based on type: NIDN: 13 digits; MBNO: +66 + 9 digits; EWALLETID: 15 digits (e.g., 123XXXXXXXXXXXX). | 
| creditor.account.alternateAccountIdentifiers.idType | Alternate identifier type for an account. | 11 | 11 | Required for Pay to Proxy. Use “PROPRIETARY”. When idType is PROPRIETARY, proprietarySchemeName must be provided. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Type of proxy account. | 5 | 9 | Required for Pay to Proxy (domestic). Allowed values: NIDN, MBNO, EWALLETID. | 
| paymentPurpose.purpose.proprietary | Purpose of payment (proprietary code). | 6 | 6 | Mandatory if using non‑resident accounts for domestic payments (PPDCT) for regulatory reporting (6‑digit purpose code). | 
| paymentPurpose.categoryPurpose.proprietary | Category purpose (proprietary code). |  | 4 | Optional for domestic payments. Use “SALA” for salary to mask creditor details in statements/reports. | 
| remittanceInformation.unstructuredInformation.text | Unstructured remittance information. |  | 140 (2 lines) | Optional. Only first 40 characters sent to clearing. Thai characters allowed. | 

**Thailand (PromptPay) additional required fields for electronic withholding tax payments (e-WHT)**

 
**Thailand (PromptPay) additional required fields for electronic withholding tax payments (e-WHT)**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| creditor.contactDetails.emailAddress | Email address. |  | 70 | Optional (remittance advice to beneficiary). Separate multiple emails with “;”. | 
| taxInformation.type | Tax information type. | 1 | 1 | Indicates the beneficiary specific information. Code "1", "2", or "3" is being used: - "1": Tax deduction at source - "2": Payroll transaction. - "3": One-time payment only | 
| taxInformation.creditorTaxInformation.taxId | Creditor’s tax ID. | 13 | 13 | Payee tax ID | 
| taxInformation.debtorTaxInformation.taxId | Debtor’s tax ID. | 13 | 13 | Payer tax ID | 
| taxInformation.taxEntries[].invoicePriorTax | Invoice amount before VAT | 1 | 18 | - Must be >=0.01 - Max 2 decimal places - Array - Can be repeated up to 3 times | 
| taxInformation.taxEntries[].incomeCode | Type of income code (3‑digit numeric). | 3 | 3 | Up to 3 entries allowed. | 
| taxInformation.taxEntries[].VATamount | VAT amount | 1 | 18 | - Must be => 0.01 - Max 2 decimal places - Array - Can be repeated up to 3 times | 
| taxInformation.taxEntries[].taxAmount.currency | ISO 4217 Alpha-3 currency code | 3 | 3 | - Fixed value: THB - Up to 3 entries allowed. | 
| taxInformation.taxEntries[].taxAmount.amount | Withholding tax amount deducted. | 1 | 18 | - Must be => 0.01 - Max 2 decimal places | 
| taxInformation.debtorTaxInformation.VATBranchCode | Sender VAT branch code | 5 | 5 | Optional for e-WHT payments | 
| taxInformation.creditorTaxInformation.VATBranchCode | Receiver VAT branch code | 5 | 5 | Optional for e-WHT payments | 

### Europe, Middle East, and Africa (EMEA)

#### Single Euro Payments Area (SEPA Instant)

**SEPA Instant required fields**

 
**SEPA Instant required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date of the payment instruction (e.g., value date). | 10 | 10 | - Field is expected to match ISO date format (YYYY-MM-DD). Must be either the current or future date. | 
| paymentIdentifiers.endToEndId | Customer assigned unique identifier to unambiguously identify the payment transaction. | 1 | 35 | - Must be unique for each transaction within the file. - No special characters allowed. - This value is used for duplicate checking and the rightmost positions are assumed to be low order (and therefore unique). | 
| value.currency | ISO 4217 Alpha-3 Currency Code. | 3 | 3 | "EUR" | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. | 1 | 18 | - Must be >=0.01. - Max 2 decimal places. - Max Limit: EUR 200,000,000. | 
| transferType | Indicates the direction of the money movement. | 6 | 6 | Must be CREDIT. | 
| paymentType | The type of payment being initiated. | 3 | 3 | Must be RTP. | 
| debtor.account.accountNumber | This field captures a regular account number. | 1 | 34 | Debtor Account IBAN.F | 
| debtorAgent.financialInstitutionIds[].id | Financial Institution Identifier. | 8 | 11 | Field is expected to have one of these 8 or 11 BIC values below: - Frankfurt: "CHASDEFX", "CHASDEFXXXX". - Luxembourg: "CHASLULX", "CHASLULXXXX". - Dublin: "CHASIE4L", "CHASIE4LXXX". - Amsterdam: “CHASNL2X”, “CHASNL2XXXX”. - Paris: “CHASFRPP”, “CHASFRPPXXX”. - Milan: “CHASITMX”, “CHASITMXXXX”. - Madrid: “CHASESM3”, “CHASESM3XXX”. - Brussels: “CHASBEBX”, “CHASBEBXXXX”. | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent’s financial institution ID type. | 3 | 3 | "BIC" | 
| creditor.account.accountNumber | This field captures a regular account number. | 1 | 34 | Must contain a valid IBAN. | 
| creditor.name | Party name. | 1 | 70 |  | 

**SEPA Instant optional fields**

 
**SEPA Instant optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | Debtor account type. | 1 | 4 | Currently only support IBAN accounts. | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Currently only supports "EUR". | 
| creditor.account.accountType | The creditor's account type. | 4 | 4 | "IFRDA" | 
| creditor.postalAddress.type | Type creditor's postal address. | 4 | 4 | Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines[] | Creditor address lines | 1 | 70 | - Maximum of 2 lines. - If postal address is present, then city and country are mandatory. | 
| creditor.postalAddress.buildingNumber | Building number. |  | 16 | If postal address is present, then city and country are mandatory. | 
| creditor.postalAddress.streetName | Street name. | 1 | 70 | If postal address is present, then city and country are mandatory. | 
| creditor.postalAddress.postalCode | Postal code. | 1 | 16 | If postal address is present, then city and country are mandatory. | 
| creditor.postalAddress.countrySubDivision | ISO 3166-2 Alphanumeric Country Subdivision Code. | 1 | 35 | If postal address is present, then city and country are mandatory. | 
| creditor.dateAndPlaceOfBirth.city | City or town name. | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.country | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | 2-character ISO country code. | 
| creditor.dateAndPlaceOfBirth.birthDate | Birth date in YYYY-MM-DD format eg. 1984-05-19. | 10 | 10 | - Format is YYYY-MM-DD. - If used then birthDate, cityOfBirth and countryOfBirth must be populated. | 
| creditor.countryOfResidence | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | 2-character ISO country code. | 
| creditor.partyId.organizationIds[].organizationId | Formally Issued Organization Identifier. | 1 | 35 | Either individualID or organizationID, not both. | 
| creditor.partyId.organizationIds[].issuer | Entity that assigns the identification. | 1 | 35 |  | 
| creditor.partyId.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 |  | 
| creditor.partyId.individualIds[].individualId | Unique and unambiguous identification of an individual. | 1 | 35 | Either individualID or organizationID, not both. | 
| creditor.partyId.individualIds[].issuer | Entity that assigns the identification. | 1 | 35 |  | 
| creditor.partyId.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 |  | 
| creditorAgent.financialInstitutionIds[].id | Financial institution ID. | 8 | 11 | Clients are encouraged not to populate in payload, CreditorAgent BIC will be derived from the Creditor IBAN. | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].issuer | Entity that assigns the identification. | 1 | 35 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City or town name. | 1 | 35 | Applicable to TP3 Flows. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | Applicable to TP3 Flows. 2-character ISO country code. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date in YYYY-MM-DD format eg. 1984-05-19. | 10 | 10 | Applicable to TP3 Flows. Format is YYYY-MM-DD. If used then birthDate, cityOfBirth and countryOfBirth must be populated. | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address. | 4 | 4 | Recommended for TP3 flows. Values are: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number. | 1 | 16 | Recommended for TP3 flows. If postal address is present, then city and country are mandatory. | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | ISO 3166-2 Alphanumeric Country Subdivision Code. | 1 | 35 | Recommended for TP3 flows. If postal address is present, then city and country are mandatory. | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].organizationId | Formally Issued Organization Identifier. | 1 | 35 | Either individualID or organizationID, not both. | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].issuer | Entity that assigns the identification. | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].individualId | Unique and unambiguous identification of an individual. | 1 | 35 | Either individualID or organizationID, not both. | 
| additionalParties.ultimateCreditor.partyId.individualIds[].issuer | Entity that assigns the identification. | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 |  | 
| additionalParties.ultimateCreditor.name |  | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address. |  | 4 | Values are: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX"- PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines[] | Ultimate creditor address lines. |  | 70 | Maximum of 2 lines. If postal address is present, then city and country is mandatory. | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number. | 1 | 35 | If postal address is present, then city and country is mandatory. | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name. | 1 | 70 | If postal address is present, then city and country is mandatory. | 
| additionalParties.ultimateCreditor.postalAddress.postalCode | Postal code. | 1 | 16 | If postal address is present, then city and country is mandatory. | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | ISO 3166-2 Alphanumeric Country Subdivision Code. | 1 | 35 | If postal address is present, then city and country is mandatory. | 
| paymentPurpose.purpose.code | Purpose of the payment in coded form. | 4 | 4 |  | 
| remittanceInformation.unstructuredInformation[].text | Maximum number of lines and characters supported per market/instrument. | 1 | 140 | This is to provide other payment details. Maximum of 1 line. | 

**SEPA Instant conditional fields**

 
**SEPA Instant conditional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| creditor.postalAddress.city |  | 1 | 35 | Mandatory if postal address is provided. | 
| creditor.postalAddress.country | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | Mandatory if postal address is provided. | 
| creditorAgent.financialInstitutionIds[].idType |  | 3 | 3 | Required if previous field is populated. Use "BIC" | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].organizationId | Formally Issued Organization Identifier. | 1 | 35 | Mandatory for TP3 flows (Either Organization Id or Individual Id). The Ultimate Debtor's physical or virtual IBAN/account number is recommended. Otherwise, in the account is not available, a unique identifier should be specified; to be determined by the payment service provider that could allow traceability back to the Ultimate Debtor. | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 | "BIC", "LEI", or "ID" | 
| additionalParties.ultimateDebtor.partyId.individualIds[].individualId | Unique and unambiguous identification of an individual. | 1 | 35 | Recommended for TP3 flows. Values are: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.partyId.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary value. | 1 | 3 | "BIC", "LEI", or "ID" | 
| additionalParties.ultimateDebtor.name |  | 1 | 140 | Mandatory for TP3 flows to comply with FTR regulation. | 
| additionalParties.ultimateDebtor.countryOfResidence | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | Mandatory for TP3 flows to be compliant with FTR regulations. 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.addressLines[] | Ultimate debtor address lines | 1 | 70 | Recommended for TP3 flows. Maximum of 2 lines. If postal address is present, then city and country are mandatory. | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name. | 1 | 70 | Recommended for TP3 flows. If postal address is present, then city and country are mandatory. | 
| additionalParties.ultimateDebtor.postalAddress.city | City. | 1 | 35 | Mandatory for TP3 flows to comply with FTR regulation. Mandatory if postal address is provided. | 
| additionalParties.ultimateDebtor.postalAddress.postalCode | Postal code. | 1 | 16 | Recommended for TP3 flows. If postal address is present, then city and country are mandatory. | 
| additionalParties.ultimateDebtor.postalAddress.country | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | Mandatory for TP3 flows to comply with FTR regulation. Mandatory if postal address is provided. 2-character ISO country code. | 
| additionalParties.ultimateCreditor.postalAddress.city | City. | 1 | 35 | "If postal address is present, then city and country are mandatory." | 
| additionalParties.ultimateCreditor.postalAddress.country | ISO 3166-1 Alpha-2 Country Code. | 2 | 2 | If postal address is present, then city and country are mandatory. 2-character ISO country code. | 

#### Switzerland Interbank Clearing (SIC Instant Payments)

**Switzerland Interbank Clearing (SIC Instant Payments) required fields**

 
**SIC IP required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. | 10 | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where only the last 16 characters will be displayed in some fields. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Fixed Value: CHF | 
| value.amount | A String representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be > = 0.01 - Max 2 decimal places - Max Limit: CHF 20,000 | 
| transferType | Indicates the direction of the money movement. | 6 | 6 | Must put CREDIT for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must put RTP for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. | 8 | 21 | DDA or IBAN accepted | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". | 8 | 11 | The field is expected to contain one of the following BIC values, either 8 or 11 characters in length: - CHASCHGX - CHASCHGXXXX | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. | 3 | 3 | Must be BIC. | 
| creditor.account.accountNumber | This field captures an IBAN. | 21 | 21 | Must be Swiss or Liechtenstein IBAN (or QR-IBAN). | 
| creditor.name | Party name | 1 | 140 |  | 

**Switzerland Interbank Clearing (SIC Instant Payments) optional fields**

 
**SIC IP optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type | 3 | 4 | DDA or IBAN | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Currently only supports CHF. | 
| creditor.postalAddress.type | Type of postal address | 4 | 4 | Values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY": DeliveryTo it Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured address lines | 1 | 70 (2 lines) | Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| creditor.postalAddress.buildingNumber | Building number | 1 | 16 | Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| creditor.postalAddress.streetName | Street name | 1 | 70 | Only Structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code | 1 | 35 | Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address | 4 | 4 | Recommended for TP3 flows values include: - "ADDR": Postal Address is the complete postal address. - "BIZZ": Business Address is the business address. - "DLVY" : DeliveryTo Address is the address to which delivery is to take place. - "HOME": Residential Address is the home address. - "MLTO": MailTo Address is the address to which mail is sent. - "PBOX": PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured address lines | 1 | 70 | Recommended for TP3 flows. Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number | 1 | 16 | Recommended for TP3 flows. Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name | 1 | 70 | Recommended for TP3 flows. Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub division | 1 | 35 | - Recommended for TP3 flows. - Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. | 
| remittanceInformation.unstructuredInformation.text | Unstructured information | 1 | 140 | This is to provide other payment details. Maximum of 1 line. Cannot be used together with structured reference. Must not be used in combination with a QR-IBAN in the “creditor account or IBAN” element. | 
| remittanceInformation.structuredInformation[].additionalRemittanceInformation | Additional remittance information | 1 | 140 | This is to provide other payment details in the case that structured remittance is used (a QR-IBAN transaction). Cannot be used together with unstructured reference. | 
| paymentPurpose.categoryPurpose.code | A code representing the high-level purpose of a payment, based on a set of predefined categories. | 1 | 4 | Use SALA for a salary payment to mask creditor details in statements or reports. | 
| creditorAgent.financialInstitutionIds[].id | The financial institution identifier. | 8 | 11 | Clients are encouraged not to populate in payload. CreditorAgent SIC-IID (or QR-IID) will be derived from the Creditor IBAN (or QR-IBAN). | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. | 3 | 3 | Mandatory if the above is populated: BIC | 

**Switzerland Interbank Clearing (SIC Instant Payments) conditional fields**

SIC IP conditional fields

 
**SIC IP conditional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| creditor.postalAddress.city | City | 1 | 35 | - Required if postal address is provided. - Required if the creditor account is a QR-IBAN. | 
| creditor.postaladdress.postalCode | Postal Code | 1 | 16 | Required if the creditor account is a QR-IBAN. | 
| creditor.postalAddress.country | Country | 2 | 2 | - Required if postal address is provided. - Required if the creditor account is a QR-IBAN. | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].organizationId | Formally issued organization identifier | 1 | 35 | Mandatory for TP3 flows (either individual ID or organization ID). The ultimate debtor's physical or virtual IBAN or account number is strongly recommended. Otherwise, if the account is not available, a unique identifier must be specified; to be determined by the payment service provider that could allow traceability back to the ultimate debtor. | 
| additionalParties.ultimateDebtor.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 2 | 3 | If the transaction includes an ultimate debtor, populate one of the following fields: - BIC - LEI - ID | 
| additionalParties.ultimateDebtor.partyId.individualIds[].individualId | Individual identifier details | 1 | 35 | Mandatory for TP3 flows (either individual ID or organization ID). The ultimate debtor's physical or virtual IBAN or account number is strongly recommended. Otherwise, in the account is not available, a unique identifier must be specified; to be determined by the payment service provider that could allow traceability back to the ultimate debtor. | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 3 | 3 | If the transaction includes an Ultimate Debtor, populate one of the following fields: - BIC - ID | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name | 1 | 140 | Mandatory for TP3 Flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City | 1 | 35 | - Mandatory for TP3 flows. - Required if address is provided. - Required if the creditor account is a QR-IBAN | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code | 1 | 16 | - Recommended for TP3 flows. - Only structured or hybrid addresses accepted. If postal address is provided, then at least city and country code are required. - Required if the creditor account is a QR-IBAN | 
| additionalParties.ultimateDebtor.postalAddress.country | Country | 2 | 2 | - Mandatory for TP3 flows. - Required if address is given - Required if the creditor account is a QR-IBAN. - 2-character ISO country code. | 
| remittanceInformation.structuredInformation[].creditReference.reference | Unique reference to unambiguously refer to the payment transaction. | 27 | 27 | - Must be used if a creditor QR-IBAN is provided. Must include 27 digit QR reference. - Cannot be used together with unstructured reference. | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. | 3 | 3 | - Must be used if a creditor QR-IBAN is provided. - Permitted value: QRR (QR reference in association with QR-bill) - If used, then Code must not be present. - Cannot be used together with unstructured reference. | 

#### United Kingdom (UK FPS)

**UK FPS required fields**

 
**UK - FPS**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date. | 10 | 10 | Field is expected to match ISO date format (YYYY-MM-DD). Must be either the current or future date. | 
| paymentIdentifiers.endToEndId | End-to-end transaction identifier. | 1 | 31 | Must be unique for each transaction within the file. No special characters allowed. This value is used for duplicate checking and the rightmost positions are assumed to be low order (and therefore unique). | 
| value.currency | Payment currency. | 3 | 3 | GBP | 
| value.amount | Payment amount. | 1 | 18 | - Must be >= 0.01. - Max 2 decimal places. - Max Limit: GBP 1,000,000 | 
| transferType | Transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | Payment type. | 3 | 3 | Must be RTP. | 
| debtor.account.accountNumber | Debtor account number. | 8 | 8 | Account numbers with less than 8 digits must be padded with leading zeros. | 
| debtorAgent.financialInstitutionIds[].id | Debtor agent identifier. | 8 | 11 | Field is expected to have one of these 8 or 11 BIC values: - “CHASGB2L” - “CHASGB2LXXX” | 
| debtorAgent.financialInstitutionIds[].idType | Debtor agent identifier type. | 3 | 3 | BIC | 
| creditor.account.accountNumber | Creditor account number. | 8 | 8 | Account numbers with less than 8 digits must be padded with leading zeros. | 
| creditor.name | Creditor name. | 1 | 40 |  | 
| creditorAgent.financialInstitutionIds[].id | Creditor agent identifier. | 6 | 6 | This is a 6-digit field that represents the sort code. Sort codes containing less than six digits must be padded with leading zeros (e.g., 1234 → 001234). | 
| creditorAgent.financialInstitutionIds[].idType | Creditor agent identifier type. | 9 | 18 | - Required if previous field is populated - “CLEARING_SYSTEM_ID” or “SORT_CODE” are supported. | 

**UK FPS optional fields**

 
**UK – RTP Optional**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | Debtor account type | 1 | 3 | Currently only support DDA or VAM account | 
| debtor.account.accountCurrency | Debtor account currency | 3 | 3 | Currently only supports “GBP” | 
| creditor.postalAddress.type | Creditor address type | 4 | 4 | - Values include: “ADDR” - Postal Address is the complete postal address. “BIZZ” - Business Address is the business address. “DLVY” - DeliveryTo Address is the address to which delivery is to take place. “HOME” - Residential Address is the home address. “MLTO” - MailTo Address is the address to which mail is sent. “PBOX” - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines[] | Creditor address lines | 1 | 70 | Maximum of 7 lines | 
| creditor.postalAddress.buildingNumber | Creditor building number | 1 | 16 |  | 
| creditor.postalAddress.streetName | Creditor street name | 1 | 70 |  | 
| creditor.postalAddress.city | Creditor city. | 1 | 35 |  | 
| creditor.postalAddress.postalCode | Creditor postal code | 1 | 16 |  | 
| creditor.postalAddress.countrySubDivision | Creditor country subdivision. | 1 | 35 |  | 
| creditor.postalAddress.country | Creditor country | 2 | 2 | 2-character ISO country code | 
| creditor.dateAndPlaceOfBirth.city | Creditor city of birth | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Creditor birth country subdivision | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.country | Creditor country of birth | 2 | 2 | 2-character ISO country code | 
| creditor.dateAndPlaceOfBirth.birthDate | Creditor birth date | 10 | 10 | - Format is YYYY-MM-DD. - If used then birthDate, cityOfBirth and countryOfBirth must be populated | 
| creditor.countryOfResidence | Creditor country of residence | 2 | 2 | 2-character ISO country code | 
| creditor.partyId.organizationIds[].organizationId | Creditor organization identifier | 1 | 35 | Either individualID or organizationID, not both | 
| creditor.partyId.organizationIds[].issuer | Creditor organization ID issuer | 1 | 35 |  | 
| creditor.partyId.organizationIds[].schemeName.proprietary | Creditor organization ID scheme | 1 | 3 |  | 
| creditor.partyId.individualIds[].individualId | Creditor individual identifier | 1 | 35 | Either individualID or organizationID, not both. | 
| creditor.partyId.individualIds[].issuer | Creditor individual ID issuer | 1 | 35 |  | 
| creditor.partyId.individualIds[].schemeName.proprietary | Creditor individual ID scheme | 1 | 3 |  | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].issuer | Ultimate debtor organization ID issuer | 1 | 35 |  | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].schemeName.proprietary | Ultimate debtor organization ID scheme | 1 | 3 |  | 
| additionalParties.ultimateDebtor.partyId.individualIds[].issuer | Ultimate debtor individual ID issuer | 1 | 35 |  | 
| additionalParties.ultimateDebtor.partyId.individualIds[].schemeName.proprietary | Ultimate debtor individual ID scheme | 3 | 3 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | Ultimate debtor city of birth | 1 | 35 | Applicable to TP3 Flows. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Ultimate debtor country of birth | 2 | 2 | - Applicable to TP3 Flows. - 2-character ISO country code. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Ultimate debtor birth date | 10 | 10 | - Applicable to TP3 Flows. - Format is YYYY-MM-DD. - If used then birthDate, cityOfBirth and countryOfBirth must be populated. | 
| additionalParties.ultimateDebtor.postalAddress.type | Ultimate debtor address type | 4 | 4 | Recommended for TP3 flows. Values are: - “ADDR” - Postal Address is the complete postal address. - “BIZZ” - Business Address is the business address. - “DLVY” - DeliveryTo Address is the address to which delivery is to take place. - “HOME” - Residential Address is the home address. - “MLTO” - MailTo Address is the address to which mail is sent. - “PBOX” - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Ultimate debtor building number | 1 | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Ultimate debtor country subdivision | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].organizationId | Ultimate creditor organization identifier | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].issuer | Ultimate creditor org ID issuer | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].schemeName.proprietary | Ultimate creditor org ID scheme | 1 | 3 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].individualId | Ultimate creditor individual identifier | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.partyId.individualIds[].issuer | Ultimate creditor individual ID issuer | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].schemeName.proprietary | Ultimate creditor individual ID scheme | 1 | 3 |  | 
| additionalParties.ultimateCreditor.name | Ultimate creditor name | 1 | 40 |  | 
| additionalParties.ultimateCreditor.postalAddress.type | Ultimate creditor address type | 4 | 4 | Values are: - “ADDR” - Postal Address is the complete postal address. - “BIZZ” - Business Address is the business address. - “DLVY” - DeliveryTo Address is the address to which delivery is to take place. - “HOME” - Residential Address is the home address. - “MLTO” - MailTo Address is the address to which mail is sent. - “PBOX”- PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines[] | Ultimate creditor address lines | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Ultimate creditor building number | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Ultimate creditor street name | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.city | Ultimate creditor city | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.postalCode | Ultimate creditor postal code | 1 | 16 |  | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Ultimate creditor country subdivision | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.country | Ultimate creditor country | 2 | 2 | 2-character ISO country code | 
| paymentPurpose.purpose.code | Payment purpose code | 4 | 4 |  | 
| remittanceInformation.unstructuredInformation[].text | Remittance text | 1 | 140 | - This is to provide other payment details. - Maximum of 1 line. - The first 18 characters of this field will be passed to the beneficiary bank as the Reference (should be displayed on the beneficiary statement). The full length is also passed as Additional Information, but very limited banks display this. Combined length of Ultimate Debtor ID, Name and Address fields in combination with content of remittanceInformation cannot exceed 232 characters. | 

**UK FPS conditional fields**

 
**UK – RTP conditional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtorAgent.additionalInstitutions[].id | Additional institution identifier (debtor agent) | 8 | 11 | This field becomes mandatory for any TP3 Payment Originating Overseas (POO). It needs to be populated with the BIC code of the first Overseas Payment Service Provider | 
| additionalParties.ultimateDebtor.partyId.organizationIds[].organizationId | Ultimate debtor organization identifier | 1 | 35 | Mandatory for TP3 flows (Either Organization Id or Individual Id). The Ultimate Debtor's physical or virtual account number is recommended. Otherwise, if the account is not available, a unique identifier should be specified; to be determined by the payment service provider that could allow traceability back to the Ultimate Debtor. | 
| additionalParties.ultimateDebtor.partyId.individualIds[].individualId | Ultimate debtor individual identifier | 1 | 35 | Mandatory for TP3 flows (either organization Id or individual Id). The ultimate debtor's physical or virtual account number is recommended. Otherwise, if the account is not available, a unique identifier should be specified; to be determined by the payment service provider that could allow traceability back to the Ultimate Debtor. | 
| additionalParties.ultimateDebtor.name | Ultimate debtor name | 1 | 140 | Mandatory for TP3 flows to be compliant with FTR regulations. Combined length of ultimate debtor ID, Name and address fields in combination with content of remittanceInformation cannot exceed 232 characters. | 
| additionalParties.ultimateDebtor.countryOfResidence | Ultimate debtor country of residence | 2 | 2 | Mandatory for TP3 flows to be compliant with FTR regulations. 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.addressLines[] | Ultimate debtor address lines | 1 | 70 | Recommended for TP3 flows. Maximum of 4 lines. Structured address fields is recommended, but unstructured addressLine fields could be supported | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Ultimate debtor street name | 1 | 70 | Mandatory for TP3 flows to comply with FTR regulation | 
| additionalParties.ultimateDebtor.postalAddress.city | Ultimate debtor city | 1 | 35 | Mandatory for TP3 flows to be compliant with FTR regulations. | 
| additionalParties.ultimateDebtor.postalAddress.postalCode | Ultimate debtor postal code | 1 | 16 | Mandatory for TP3 flows to be compliant with FTR regulations. | 
| additionalParties.ultimateDebtor.postalAddress.country | Ultimate debtor country | 2 | 2 | - Mandatory for TP3 flows to comply with FTR regulation. - 2-character ISO country code. | 

#### UK FPS Agency Services

**Required fields**

 
**UK FPS Agency Services Required**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date | 10 | 10 | - Field is expected to match ISO date format (YYYY-MM-DD). - Must be either the current or future date. | 
| paymentIdentifiers.endToEndId | End-to-end transaction identifier | 1 | 31 | Must be unique for each transaction within the file. No special characters allowed. This value is used for duplicate checking and the rightmost positions are assumed to be low order (and therefore unique). | 
| value.currency | Payment currency | 3 | 3 | GBP | 
| value.amount | Payment amount | 1 | 18 | - Must be >= 0.01. - Max 2 decimal places. - Max Limit: GBP 1,000,000. | 
| transferType | Transfer type | 6 | 6 | Must be CREDIT. | 
| paymentType | Payment type | 3 | 3 | Must be RTP. | 
| debtor.name | Debtor name. | 1 | 140 | This field must contain the ultimate payer's name (C2). | 
| debtorAgent.postalAddress.country | Debtor's country. | 2 | 2 | Use "GB" for agency services. | 
| debtorAgent.financialInstitutionIds[].id | Debtor agent identifier | 6 | 6 | - Field is expected to have the 6 digits sort code. - BIC must not be included. | 
| debtorAgent.financialInstitutionIds[].idType | Debtor agent identifier type | 9 | 9 | Mandatory - id and idtype come as a pair. This value will be “SORT_CODE”. | 
| creditor.account.accountNumber | Creditor account number | 8 | 8 | Account numbers with less than 8 digits must be padded with leading zeros | 
| creditor.name | Creditor name | 1 | 40 |  | 
| creditorAgent.financialInstitutionIds[].id | Creditor agent identifier | 6 | 6 | This is a 6-digit field that represents the sort code. Sort codes containing less than six digits must be padded with leading zeros (e.g., 1234 → 001234). | 
| creditorAgent.financialInstitutionIds[].idType | Creditor agent identifier type | 9 | 18 | Required if previous field is populated. “CLEARING_SYSTEM_ID” or “SORT_CODE” are supported | 

**UK FPS Agency Services optional fields**

 
**UK Agency Services Optional**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | Debtor account type | 1 | 3 | Currently only support DDA or VAM account | 
| debtor.account.accountCurrency | Debtor account currency | 3 | 3 | Currently only supports “GBP” | 
| creditor.postalAddress.type | Creditor address type | 4 | 4 | Values include: - “ADDR” - Postal Address is the complete postal address. - “BIZZ” - Business Address is the business address. - “DLVY” - DeliveryTo Address is the address to which delivery is to take place. - “HOME” - Residential Address is the home address. - “MLTO” - MailTo Address is the address to which mail is sent.“PBOX” - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines[] | Creditor address lines | 1 | 70 | Maximum of 7 lines | 
| creditor.postalAddress.buildingNumber | Creditor building number | 1 | 16 |  | 
| creditor.postalAddress.streetName | Creditor street name | 1 | 70 |  | 
| creditor.postalAddress.city | Creditor city | 1 | 35 |  | 
| creditor.postalAddress.postalCode | Creditor postal code | 1 | 16 |  | 
| creditor.postalAddress.countrySubDivision | Creditor country subdivision | 1 | 35 |  | 
| creditor.postalAddress.country | Creditor country | 2 | 2 | 2-character ISO country code | 
| creditor.dateAndPlaceOfBirth.city | Creditor city of birth | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Creditor birth country subdivision | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.country | Creditor country of birth | 2 | 2 | 2-character ISO country code | 
| creditor.dateAndPlaceOfBirth.birthDate | Creditor birth date | 10 | 10 | Format is YYYY-MM-DD. If used then birthDate, cityOfBirth and countryOfBirth must be populated | 
| creditor.countryOfResidence | Creditor country of residence | 2 | 2 | 2-character ISO country code | 
| creditor.partyId.organizationIds[].organizationId | Creditor organization identifier | 1 | 35 | Either individualID or organizationID, not both | 
| creditor.partyId.organizationIds[].issuer | Creditor organization ID issuer | 1 | 35 |  | 
| creditor.partyId.organizationIds[].schemeName.proprietary | Creditor organization ID scheme | 1 | 3 |  | 
| creditor.partyId.individualIds[].individualId | Creditor individual identifier | 1 | 35 | Either individualID or organizationID, not both | 
| creditor.partyId.individualIds[].issuer | Creditor individual ID issuer | 1 | 35 |  | 
| creditor.partyId.individualIds[].schemeName.proprietary | Creditor individual ID scheme | 1 | 3 |  | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].organizationId | Ultimate creditor organization identifier | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].issuer | Ultimate creditor org ID issuer | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.organizationIds[].schemeName.proprietary | Ultimate creditor org ID scheme | 1 | 3 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].individualId | Ultimate creditor individual identifier | 1 | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.partyId.individualIds[].issuer | Ultimate creditor individual ID issuer | 1 | 35 |  | 
| additionalParties.ultimateCreditor.partyId.individualIds[].schemeName.proprietary | Ultimate creditor individual ID scheme | 1 | 3 |  | 
| additionalParties.ultimateCreditor.name | Ultimate creditor name | 1 | 40 |  | 
| additionalParties.ultimateCreditor.postalAddress.type | Ultimate creditor address type | 4 | 4 | Values are: - “ADDR” - Postal Address is the complete postal address. - “BIZZ” - Business Address is the business address. - “DLVY” - DeliveryTo Address is the address to which delivery is to take place. - “HOME” - Residential Address is the home address. - “MLTO” - MailTo Address is the address to which mail is sent. - “PBOX”- PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines[] | Ultimate creditor address lines | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Ultimate creditor building number | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Ultimate creditor street name | 1 | 70 |  | 
| additionalParties.ultimateCreditor.postalAddress.city | Ultimate creditor city | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.postalCode | Ultimate creditor postal code | 1 | 16 |  | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Ultimate creditor country subdivision | 1 | 35 |  | 
| additionalParties.ultimateCreditor.postalAddress.country | Ultimate creditor country | 2 | 2 | 2-character ISO country code | 
| paymentPurpose.purpose.code | Payment purpose code | 4 | 4 |  | 
| remittanceInformation.unstructuredInformation[].text | Remittance text | 1 | 140 | This is to provide other payment details. Maximum of 1 line. The first 18 characters of this field will be passed to the beneficiary bank as the Reference (should be displayed on the beneficiary statement). The full length is also passed as Additional Information, but very limited banks (just a few) display this to their beneficiaries. | 

### Latin America (LATAM)

#### Brazil (PIX)

**Brazil (PIX) Pay to Account required fields**

 
**Brazil (PIX) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier to unambiguously identify the payment initiation request. This identification is passed on, unchanged, throughout the entire end-to-end chain. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field is expected to match "BRL" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places. | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber |  |  | 34 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have one of these 8 or 11 BIC values: - "CHASBRSP" - "CHASBRSPXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.accountNumber | This field captures a regular account number |  | 34 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. | 
| creditor.account.accountType | The Alternate Account Identifier value. |  | 4 | A required field when using Pay to Account. Value options include: - "CACC" — Checking account - "SLRY" - "TRAN" — Payment account - "SVGS" — Savings account | 
| creditor.name | One or more values that can be used as alternative identifiers for an account. |  | 140 |  | 
| creditorAgent.financialInstitutionIds[].id | The financial institution identifier. |  | 8 | - Mandatory for Pay to Account - ISPB Beneficiary Bank Code | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 18 | - Mandatory for Pay to Account - "CLEARING_SYSTEM_ID" | 
| creditorAgent.financialInstitutionIds[].branchNumber | Branch of the bank or financial institution. NA for Japan |  |  | - Mandatory for Pay to Account - Beneficiary Branch number | 
| taxInformation.creditorTaxInformation.taxId | Tax identifier |  | 35 |  | 
| taxInformation.creditorTaxInformation.taxPayerCategory | Tax payer category. If category = INDIVIDUAL map here |  |  | - "INDIVIDUAL": When the beneficiary is an individual. - "CORPORATE": When the beneficiary is a corporation. | 

**Brazil (PIX) Pay to Proxy required fields**

 
**Brazil (PIX) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier to unambiguously identify the payment initiation request. This identification is passed on, unchanged, throughout the entire end-to-end chain. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | - Field is expected to match "BRL" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | 1. Field is mandatory. 2. Field is expected to have maximum of 18 characters. 3. Field is expected to have no more than two decimal places. 4. Field is expected to be above 0.01 5. Must meet min/max amount for clearing per PBRM. 6. Must meet client and user limit entitlements. | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | The debtor's account number. |  | 34 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have one of these 8 or 11 BIC values per below: - "CHASBRSP" - "CHASBRSPXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.alternateAccountIdentifiers.identifier | The alternate account identifier. |  | Based on type: - "EMAL" – 72 characters - "MOBN" – 13 characters - "CPF" – 11 characters - "CNPJ" - 14 characters - "EVP" - 32 characters - "QRCD" - 500 characters | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account. | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. |  | 4 | Required for Pay to Proxy Value options include: - "EMAL" — Email Proxy - "MOBN" — Mobile Number Proxy - "CPF" — Individual Tax ID - "CNPJ" — Corporate Tax ID - ""EVP" — Random proxy - "QRCD" — QR Code | 
| creditor.name | One or more values that can be used as alternative identifiers for an account. |  | 140 |  | 

**Brazil (PIX) optional fields**

 
**Brazil (PIX) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently supports DDA or VAM account. | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| creditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Recommended for TP3 flows | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| paymentPurpose.purpose.type | Purpose type |  | 11 | "PROPRIETARY" Required if either the debtor or creditor country of residency is not Malaysia | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 
| taxInformation.creditorTaxInformation.taxId | Tax identifier |  | 35 |  | 
| taxInformation.creditorTaxInformation.taxPayerCategory | Tax payer category. If category = INDIVIDUAL map here |  |  | - "INDIVIDUAL" — When the beneficiary is an individual. - "CORPORATE " — When the beneficiary is a corporation. | 

#### Chile (TEF)

**Chile (TEF) required fields**

 
**Chile (TEF) required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date | 10 | 10 | - Must be in ISO date format of YYYY-MM-DD - Must be either the current or future date | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier for the payment initiation request | 1 | 30 | - Used for duplicate checking - Must be unique for each transaction within the file - No special characters allowed - The characters on the right are treated as low order and must be unique | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code | 3 | 3 | Value must be "CLP" | 
| value.amount | Enter a positive number as a string, such as '100.00' or '2500' | 1 | 12 | - Must be >= 1 - Decimals are not supported for CLP currency - Max Limit: Approximately 19,500,000 CLP (~500 UF indicator) | 
| transferType | The direction of the money movement | 6 | 6 | Must be "Credit" for routing rules | 
| paymentType | Type of payment being initiated | 3 | 3 | Must be "RTP" for routing rules | 
| debtor.account.accountNumber | Debtor's account number | 1 | 10 |  | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent's financial institution ID | 8 | 8 | Requires 8-digit BIC value: "CHASCLRM" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier | 3 | 3 | Must be "BIC" | 
| creditor.account.accountNumber | Creditor's account number that will be credited | 1 | 20 |  | 
| creditor.account.accountType | Creditor's account type | 4 | 4 | Allowed values: - "CACC": Current account (locally known as Cuenta Corriente) - "TRAN": Demand savings (locally known as Cuenta Vista) - "SVGS": Savings account (locally known as Cuenta Ahorro) | 
| creditor.name | Alternative identifiers for an account | 1 | 100 |  | 
| creditorAgent.financialInstitutionIds[].id | Local clearing code or Beneficiary bank code | 1 | 11 | Must be a 4-digit code starting with "0" | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier | 3 | 18 | Must be "CLEARING_SYSTEM_ID" | 
| creditor.partyId.organizationIds[].organizationId | Formally issued organization identifier | 1 | 12 | - Provide creditor tax ID if individual - Either "individualId" or "organizationId" | 
| creditor.partyId.organizationIds[].schemeName.code | Schema code | 4 | 4 | Must be "TXID" to indicate the organization tax ID | 
| creditor.partyId.individualIds[].individualId | Individual ID details | 1 | 12 | - Provide creditor tax ID if individual - Either "individualId" or "organizationId" | 
| creditor.partyId.individualIds[].schemeName.code | Schema name in standardized coded form | 4 | 4 | Must be "TXID" to indicate the individual tax ID | 

**Chile (TEF) optional fields**

 
**Chile (TEF) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type | 3 | 3 | Currently supports DDA account | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code | 3 | 3 | Currently only supports "CLP" | 
| creditor.postalAddress.type | Type of postal address | 1 | 4 | Recommended for TP3 flows. Values include: - "ADDR": Postal address is the complete postal address - "BIZZ": Business address is the business address - "DLVY": DeliveryTo address is the address to which delivery is to take place - "HOME": Residential address is the home address - "MLTO": MailTo address is the address to which mail is sent - "PBOX": PO Box address is a postal office (PO) box | 
| creditor.postalAddress.addressLines | Unstructured addresses | 1 | 70 (4 lines) |  | 
| creditor.postalAddress.buildingNumber | Building number | 1 | 16 |  | 
| creditor.postalAddress.streetName | Street name | 1 | 70 |  | 
| creditor.postalAddress.city | City | 1 | 35 |  | 
| creditor.postaladdress.postalCode | Postal code | 1 | 16 |  | 
| creditor.postalAddress.countrySubDivision | Country subdivision code | 1 | 35 |  | 
| creditor.postalAddress.country | Country | 2 | 2 |  | 
| creditor.countryOfResidence | Country of residence | 2 | 2 |  | 
| creditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.countrySubDivision | Country subdivision code | 1 | 35 |  | 
| creditor.dateAndPlaceOfBirth.country | Country of birth | 2 | 2 |  | 
| creditor.dateAndPlaceOfBirth.birthDate | Date of Birth | 2 | 2 |  | 
| additionalParties.ultimateDebtor.organizationIds[].organizationId | Formally issued organization identifier | 1 | 35 |  | 
| additionalParties.ultimateDebtor.organizationIds[].issuer | Issuer of the identifier | 1 | 35 |  | 
| additionalParties.ultimateDebtor.individualIds[].individualId | Individual ID details | 1 | 35 |  | 
| additionalParties.ultimateDebtor.individualIds[].issuer | Issuer of the identifier | 1 | 35 |  | 
| additionalParties.ultimateDebtor.Name | The ultimate debtor's name | 1 | 140 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.countrySubDivision | Country subdivision | 1 | 35 |  | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address | 4 | 4 | Recommended for TP3 flows. Allowed values: - ADDR - BIZZ - DLVY - HOME - MLTO - PBOX | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses | 1 | 70 | - Recommended for TP3 flows - Maximum of 7 lines | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number | 1 | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name | 1 | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code | 1 | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country subdivision | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.country | The ultimate debtor’s country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.Name | Party name | 1 | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address | 4 | 4 | Recommended for TP3 flows. Allowed values: - ADDR - BIZZ - DLVY - HOME - MLTO - PBOX | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses | 1 | 70 | - Recommended for TP3 flows - Maximum of 7 lines | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name | 1 | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.city | City | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code | 1 | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country subdivision | 1 | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details | 1 | 35 | Either "individualId" or "organizationId" | 
| remittanceInformation.unstructuredInformation.text | The payment's unstructured remittance information | 1 | 70 | Provide additional payment details, such as an invoice number | 

#### Mexico (SPEI)

**Mexico (SPEI) Pay to Account required fields**

 
**Mexico (SPEI) Pay to Account required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier to unambiguously identify the payment initiation request. This identification is passed on, unchanged, throughout the entire end-to-end chain. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Field is expected to match "MXN" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: - Monday to Friday: - 6 AM - 6 PM: No limit - 6 PM - 6 AM: MXN 13,000 - Non-banking days (Saturday and Sunday): MXN 13,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 16 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have one of these 8 or 11 BIC values per below: - "CHASMXMX" - "CHASMXMXXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.accountNumber | This field captures a regular account number. |  | 16 | This field is to provide the regular account ID when it is a Pay by Account instruction. If pay by proxy, this does not need to be filled. | 
| creditor.account.accountType | The type of account. |  |  | A required field when using Pay to Account. Value options include: - "CLABE" - "VOSTRO" - "DDA" | 
| creditor.name | Party name |  | 40 |  | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 18 | Mandatory if the above is populated: - "BIC" or - "CLEARING_SYSTEM_ID" | 

**Mexico (SPEI) Pay to Proxy required fields**

 
**Mexico (SPEI) Pay to Proxy required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier to unambiguously identify the payment initiation request. This identification is passed on, unchanged, throughout the entire end-to-end chain. | 1 | 16 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Field is expected to match "MXN" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >=0.01 - Max 2 decimal places - Max Limit: - Monday to Friday: - 6 AM - 6 PM: No limit - 6 PM - 6 AM: MXN 13,000 - Non-banking days (Saturday and Sunday): MXN 13,000 | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 16 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, for example "BIC". |  | 11 | Field is expected to have one of these 8 or 11 BIC values per below: - "CHASMXMX" - "CHASMXMXXXX" | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | Mandatory for Debits: "BIC" | 
| creditor.account.alternateAccountIdentifiers.identifier | The alternate account identifier. |  | Based on type: - "MOBN" - 10 - "BANK" - 18 - "CARD" - 16 | Required for Pay to Proxy | 
| creditor.account.alternateAccountIdentifiers.idType | One or more values that can be used as alternative identifiers for an account | 11 | 11 | Must be PROPRIETARY. | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | Specifies the type of Proxy account. |  | 4 | Required for Pay to Proxy Value options include: - "MOBN" - Mobile number - "BANK" - Bank identifier - "CARD" - Debit card number | 
| creditor.name | Party name |  | 40 |  | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 18 | Mandatory if the above is populated: - "BIC" or - "CLEARING_SYSTEM_ID" | 

**Mexico (SPEI) optional fields**

 
**Mexico (SPEI) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently only support DDA or VAM account | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| debtorAgent.additionalInstitutions[].name | The additional institution ID. |  | 35 |  | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| creditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| creditor.postaladdress.postalCode | Postal Code |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Recommended for TP3 flows | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditorAgent.financialInstitutionIds[].id | The financial institution ID. |  | 11 |  | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name |  | 140 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 Flows | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country subdivision |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.city | City |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country subdivision |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details |  | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 
| taxInformation.taxAmount.amount | Tax amount |  |  |  | 
| taxInformation.creditorTaxInformation.taxId | Tax identifier |  | 12 | - Mandatory if receiveracct.id is not provided. Value provided should be "BANK" - If receiveracct.id or receiverAcct.alternatAccountIdentifier is present and receiveracct.type !=VOSTRO, Client can provide Tax ID (Optional) - If provided, length should be 12 characters | 

### North America (NA)

#### Canada

**Interac e-Transfer**

The following table contains the required payment parameters to initiate an Interac e-Transfer payment:

 
**Required payment parameters to initiate an Interac e-Transfer payment**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | The requested execution date. | 10 | 10 | - Must be formatted as YYYY-MM-DD. - The date entered represents the clearing’s time zone, not your local time zone. - Can be dated from one day in the past to five days in the future based on the current day and Eastern Time zone. | 
| paymentIdentifiers.endToEndId | The payment’s unique end-to-end ID that's assigned by the sender. | 1 | 35 |  | 
| value.currency | The value's currency. | 3 | 3 | Must be CAD. | 
| value.amount | The value's amount. | 1 | 8 | - Numeric characters only. - Maximum of two decimal points. - Must be a value from 0.01 to 25000.00. | 
| transferType | The transfer type. | 6 | 6 | Must be CREDIT. | 
| paymentType | The payment type. | 3 | 3 | Must be RTP. | 
| debtor.account.accountNumber | The debtor's account number. | 1 | 19 |  | 
| debtor.name | The debtor's name. | 1 | 30 |  | 
| debtorAgent.financialInstitutionIds[].id | The debtor agent's financial institution ID. | 8 | 8 | Must be CHASCATT. | 
| debtorAgent.financialInstitutionIds[].idType | The debtor agent's financial institution ID type. | 3 | 3 | Must be BIC. | 
| creditor.name | The creditor's name. | 1 | 30 |  | 
| creditor.postalAddress.country | The creditor's country. | 2 | 2 | Must be CA. | 
| paymentPurpose.purpose.code | The payment's purpose code. | 4 | 4 | For supported values, see [Purpose codes](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources#purpose-codes). | 

**Interac e-Transfer conditional fields **

The following table contains the conditional payment parameters to initiate an Interac e-Transfer payment:

 
**Conditional payment parameters to initiate an Interac e-Transfer payment**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| creditor.account.accountNumber | The creditor's account number. | 10 | 35 | - Must be formatted as aaa-bbbbb-cccccccccccccccccccccccc where aaa is the three-digit bank ID, bbbbb is the five-digit transit number, and cccccccccccccccccccccccc is the account number up to 24 digits. - If the account number contains leading zeros, they must be removed. | 
| creditor.account.alternateAccountIdentifiers.identifier | The creditor's alternate account ID. | 10 | 256 | RegEx | 
| creditor.account.alternateAccountIdentifiers.proprietarySchemeName | The type of proxy account. | 4 | 35 | - If account.alternateAccountIdentifiers.[].idType is set to PROPRIETARY, this field is required. - Must be EMAL or TELI. | 
| creditor.countryOfResidence | The creditor's country of residence. | 2 | 2 | Must be CA. | 
| additionalParties.ultimateDebtor.name | The ultimate debtor's name. | 1 | 140 |  | 
| additionalParties.ultimateDebtor.postalAddress.type | The ultimate debtor's postal address type. | 4 | 4 | Must be one of the following: - ADDR for a complete postal address - BIZZ for a business address - DLVY for a DeliveryTo address - HOME for a residential address - MLTO for a MailTo address - PBOX for a PO box address | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | The ultimate debtor's building number. | 1 | 16 |  | 
| additionalParties.ultimateDebtor.postalAddress.streetName | The ultimate debtor's street name. | 1 | 70 |  | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | The ultimate debtor's country subdivision. | 0 | 35 | Can't contain special characters. | 
| additionalParties.ultimateDebtor.postalAddress.country | The ultimate debtor's country. | 2 | 2 |  | 
| secureVerification.key | The secure verification key. | 1 | 40 | - The sender can identify the challenge question and response for the beneficiary to authenticate and claim payments. - The security question can be sent as clear text, but the response needs to follow a pseudocode. | 
| secureVerification.secret | The secure verification key answer. | 1 | 64 | If a security question is provided, the appropriate hashed response must be provided. For example: "key": "what is your policy number?"; "secret": "UrWh9hQ3Ng68IY=" | 
| paymentExpiresAt | The payment's expiration date. | 24 | 24 | - If provided, must be from the next calendar day to 30 calendar days from the current date. - If not provided, defaults to 30 calendar days from the current date. - Must be formatted as YYYY-MM-DDThh:mm:ss+/-time offset to UTC. | 

**Interac e-Transfer optional fields**

The following table contains an optional payment parameter to initiate an Interac e-Transfer payment:

 
**Optional payment parameter to initiate an Interac e-Transfer payment**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| creditor.postalAddress.type | The creditor's postal address type. | 4 | 4 | Must be one of the following: - ADDR for a complete postal address - BIZZ for a business address - DLVY for a DeliveryTo address - HOME for a residential address - MLTO for a MailTo address - PBOX for a PO box address | 
| creditor.postalAddress.buildingNumber | The creditor's building number. | 1 | 16 |  | 
| creditor.postalAddress.streetName | The creditor's street name. | 1 | 70 |  | 
| creditor.postaladdress.postalCode | The creditor's postal code. | 1 | 16 |  | 
| creditor.postalAddress.countrySubDivision | The creditor's country subdivision. | 1 | 35 |  | 
| remittanceInformation.unstructuredInformation.text | Unstructured information | 1 | 140 |  | 

#### United States (TCH/FedNow)

**United States (TCH/FedNow) required fields**

 
**United States (TCH/FedNow) required fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| requestedExecutionDate | Requested execution date for the payment instruction, such as the value date. |  | 10 | - Must be in ISO Date format of YYYY-MM-DD. - Must be either the current or future date. - The date entered represents the clearing’s time zone, not your local time zone. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier used to unambiguously identify the payment initiation request. This identifier is passed on, unchanged, throughout the entire end-to-end chain, with the exception of account statements and reports, where characters may be truncated. | 1 | 35 | - Used for duplicate checking. - Must be unique for each transaction within the file. No special characters allowed. - The characters on the right are treated as low order and must be unique. | 
| value.currency | Currency of the payment, based on ISO 4217 Alpha-3 Currency Code. | 3 | 3 | Field is expected to match "USD" expression. | 
| value.amount | A string representation of a (potentially) whole number or decimal positive number. Amount should be more than 0.01 with maximum of two decimal places allowed in most markets. | 0.01 | 18 | - Must be >= 0.01 - Max 2 decimal places - Max Limit: - USD 1,000,000 (TCH) - USD 500,000 (FedNow) | 
| transferType | Indicates the direction of the money movement. |  |  | Must be "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. |  | 3 | Must be "RTP" for routing rules. | 
| debtor.account.accountNumber | This field captures the debtor's account number. |  | 34 |  | 
| debtor.name | Party name |  | 140 |  | 
| debtorAgent.financialInstitutionIds[].id | Financial Institution Identifier, such as "USABA". |  | 9 | ABA/routing number: 021000021 | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 5 | "USABA" | 
| creditor.account.accountNumber | This field captures a regular account number |  | 34 |  | 
| creditor.name | Party name |  | 140 |  | 
| creditorAgent.financialInstitutionIds[].id | The financial institution ID. |  | 9 | ABA/routing number | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 5 | "USABA" | 

**United States (TCH/FedNow) conditional fields**

 
**United States (TCH/FedNow) conditional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.postalAddress.streetName | Street name |  | 70 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| debtor.postaladdress.city | City |  | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| debtor.postaladdress.postalCode | Postal code |  | 16 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| debtor.postalAddress.countrySubDivision | Country subdivision |  | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| debtor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if postal address is provided | 
| debtor.dateAndPlaceOfBirth.city | City of Birth |  | 35 | - Recommended for TP3 flows - Mandatory if dateAndPlaceOfBirth is provided | 
| debtor.dateAndPlaceOfBirth.country | Country of Birth |  | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if dateAndPlaceOfBirth is provided | 
| debtor.dateAndPlaceOfBirth.birthDate | Birth date |  | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD - Mandatory if dateAndPlaceOfBirth is provided | 
| creditor.postalAddress.streetName | Street name | 1 | 70 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| creditor.postalAddress.city | City | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| creditor.postaladdress.postalCode | Postal Code | 1 | 16 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| creditor.postalAddress.country | Country |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| creditor.postalAddress.countrySubDivision | Subdivision | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| creditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | - Recommended for TP3 flows - Mandatory for dateAndPlaceOfBirth | 
| creditor.dateAndPlaceOfBirth.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory for dateAndPlaceOfBirth | 
| creditor.dateAndPlaceOfBirth.birthDate | Birth date | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateDebtor.Name | Ultimate debtor name | 1 | 140 | - Recommended for TP3 Flows. - Mandatory if other details for ultimate debtor are provided. | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | - Recommended for TP3 Flows - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateDebtor.dateAndPlaceOfBirth.birthDate | Birth date | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateDebtor.postalAddress.streetName | Street name | 1 | 70 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateDebtor.postalAddress.city | City | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateDebtor.postaladdress.postalCode | Postal code | 1 | 16 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateDebtor.postalAddress.countrySubDivision | Country sub-division | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateDebtor.postalAddress.country | Country. | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if postal address is provided | 
| additionalParties.ultimateCreditor.Name | Party name | 1 | 140 | Becomes mandatory if other details for ultimate creditor are provided. | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth | 1 | 35 | - Recommended for TP3 flows - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth | 10 | 10 | - Recommended for TP3 flows - Format is YYYY-MM-DD - Mandatory if dateAndPlaceOfBirth is provided | 
| additionalParties.ultimateCreditor.postalAddress.streetName | Street name | 1 | 70 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateCreditor.postalAddress.city | City | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateCreditor.postaladdress.postalCode | Postal code | 1 | 16 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| additionalParties.ultimateCreditor.postalAddress.country | Country | 2 | 2 | - Recommended for TP3 flows - 2-character ISO country code - Mandatory if postal address is provided | 
| additionalParties.ultimateCreditor.postalAddress.countrySubDivision | Country subdivision | 1 | 35 | - Recommended for TP3 flows - Mandatory if postal address is provided | 
| remittanceInformation.structuredInformation[].additionalRemittanceInformation | Additional remittance information |  |  | Mandatory if structuredInformation object is used | 

**United States (TCH/FedNow) optional fields**

 
**United States (TCH/FedNow) optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 3 | Currently only support DDA or VAM account | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 |  | 
| debtor.postalAddress.addressLines | Unstructured address |  | 70 | Recommended for TP3 flows | 
| debtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| creditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| creditor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| creditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateDebtor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateDebtor.postalAddress.addresslines | Unstructured addresses |  | 70 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.postalAddress.buildingNumber | Building number |  | 16 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 | - Recommended for TP3 flows - 2-character ISO country code | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 | Recommended for TP3 Flows Values include: - "ADDR" - Postal Address is the complete postal address. - "BIZZ" - Business Address is the business address. - "DLVY" - DeliveryTo Address is the address to which delivery is to take place. - "HOME" - Residential Address is the home address. - "MLTO" - MailTo Address is the address to which mail is sent. - "PBOX" - PO Box Address is a postal office (PO) box. | 
| additionalParties.ultimateCreditor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.postalAddress.buildingNumber | Building number |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details |  | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | This is to provide other payment details. | 

## Field details for client-initiated returns

This page provides the necessary fields for starting a client-initiated returns request. To start a return, all required fields must be included. While conditional and optional fields offer additional functionality, they are not essential for a basic return request.

 
**Field details for client initiated returns**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| paymentType | Type of payment being initiated. | 3 | 3 | Must be RTP. | 
| originalPaymentIdentifiers.bankReferenceNumber | Bank reference number of the original incoming payment. | 1 | 12 | - A unique identifier generated by JPMC for each payment. - Either of the parameters from originalPaymentIdentifiers must be populated. - Enter the RRN of the original transaction for India UPI. | 
| originalPaymentIdentifiers.clearingSystemReference | Clearing system reference number assigned to the original incoming payment. | 1 | 50 | - Either of the parameters from originalPaymentIdentifiers must be populated. - This field is not supported for Brazil RTP and India UPI. | 
| originalPaymentIdentifiers.paymentId | paymentId of the original incoming payment. | 1 | 128 | Either of the parameters from originalPaymentIdentifiers must be populated. | 
| originalPaymentIdentifiers.endToEndId | endToEndId of the original incoming payment. | 1 | 35 | Either of the original payment reference numbers must be populated. This field is not supported for India UPI. | 
| originalPaymentIdentifiers.originalValue.currency | Currency of the original incoming payment, based on ISO 4217 Alpha-3 currency code. | 3 | 3 | This is mandatory if originalPaymentIdentifiers.endToEndId is provided. | 
| originalPaymentIdentifiers.originalValue.amount | Amount of the original incoming payment. | 1 | 18 | This is mandatory if originalPaymentIdentifiers.endToEndId is provided. | 
| originalPaymentIdentifiers.valueDate | Value date of the original incoming payment | 1 | 10 | - This is mandatory if originalPaymentIdentifiers.endToEndId is provided. - Must be in ISO date format of YYYY-MM-DD. | 
| paymentIdentifiers.endToEndId | Customer-assigned unique identifier to unambiguously identify the payment return request. This identification is passed on, unchanged, throughout the entire end-to-end chain. | 1 | 35 | - Must be unique for each transaction within the file. No special characters allowed. - This value is used for duplicate checking. | 
| country | ISO country code | 2 | 2 | Specify the market from which the request originates. | 
| chargeBearer | Party bearing the transaction fees. |  |  | Allowed values are CREDITOR, DEBTOR, and SHARED. | 
| returnType | Indicates whether the return is a full or partial return. FULL: Returns the entire original amount. PARTIAL: Returns only a portion of the original payment amount. |  |  | - If the returnType is not specified, this will automatically be processed as a FULL return. - Allowed values are FULL and PARTIAL. | 
| value.amount | Amount of the return payment. This should be Partial or Full amount but cannot be more than the original amount. | 1 | 18 | - Field is expected to have no more than two decimal places. - Field is expected to be above 0.01. - Specify the return amount to be paid back to the originator. This is mandatory in case of partial return. | 
| value.currency | Currency of the return payment, based on ISO 4217 Alpha-3 currency code. | 3 | 3 | - If this is not provided, the original incoming payment currency will be taken. - Currency of the payment, based on ISO 4217 Alpha-3 currency code. | 
| [reason.code](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources#response-types) | Reason for the return in coded format. | 4 | 4 | Captures the reason for the return in coded format. - Valid value is Brazil: "MD06". - Valid value for India UPI: “MD06” - Return of funds requested by end customer. | 
| reason.proprietary | Reason for the return in proprietary format. | 1 | 35 | Captures the reason for the return in proprietary format. | 
| additionalInformation | Additional information about the return. | 1 | 105 |  | 

## Related

To view example RTP payment requests for different markets, see the [API specification](/api/treasury/global-payments/global-payments-2/global-payments-2).

## Next steps

Learn more about available [resources](/docs/treasury/global-payments/capabilities/global-payments-2/real-time-payments/resources).