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

# Payment and returns parameters

> These payment parameters are subject to change as we test the beta release of Global Payments 2 API. 
> 

This page outlines the required fields fneeded to sucessfully 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) International Payments

 
**Australia (NPP) International Payments**

| 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 value’s currency. | 3 | 3 | Fixed value: "AUD" | 
| value.amount | The value’s amount. | 1 | 18 | Must be >=0.01 Max 2 decimal places Max Limit: AUD 100,000 1,000,000 | 
| 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 definied 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 $1,000,000.00 | 
| 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 | Filed 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 definied 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 $1,000,000.00 | 
| 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) | 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.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 | 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 | 
| paymentPurpose.purpose.code | Underlying reason for the payment transaction, such as a charity payment or a commercial agreement between creditor and debtor. |  | 4 |  | 
| paymentPurpose.purpose.type | Purpose type |  | 4 | "CODE" | 
| paymentPurpose.categoryPurpose.code | Purpose code |  | 4 |  | 
| 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 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. |  | 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 upto 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. | 

#### 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 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. |  | 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 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. |  | 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**

 
**Requiered**

| 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)

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

| 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 last 16 characters will be displayed. | 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 "EUR" 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: EUR 100,000 | 
| transferType | Indicates the direction of the money movement. |  |  | 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. |  | 34 |  | 
| debtorAgent.financialInstitutionIds[].id | The financial instituion identifier, for example "BIC". |  | 11 | The field is expected to include one of the following branches and its corresponding 8- or 11-character BIC values: - 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 type of financial institution identifier. |  |  | Must be "BIC". | 
| creditor.account.accountNumber | This field captures a regular account number. |  | 34 |  | 
| creditor.name | Party name |  | 70 |  | 
| creditorAgent.financialInstitutionIds[].id | The financial institution identifier. |  | 11 | Clients are encouraged not to populate in payload. CreditorAgent BIC will be derived from the Creditor IBAN. | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier. |  | 3 | Mandatory if the above is populated: "BIC" | 
| additionalParties.ultimateDebtor.organizationIds[].organizationId | Formally issued organization identifier |  | 35 | Mandatory for TP3 flows (Either individualID, or organizationID). 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.organizationIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. |  | 3 | If the transaction includes an Ultimate Debtor, populate one of the following fields: - BIC - LEI - ID | 
| additionalParties.ultimateDebtor.individualIds[].individualId | Individual identifier details |  | 35 | Mandatory for TP3 flows (Either individualID, or organizationID). 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.individualIds[].schemeName.proprietary | Specifies the type of scheme with a proprietary code. |  | 3 | If the transaction includes an Ultimate Debtor, populate one of the following fields: - BIC - LEI - ID | 

**SEPA Instant RTP optional fields**

 
**SEPA Instant RTP optional fields**

| Field | Description | Minimum | Maximum | Notes | 
| --- | --- | --- | --- | --- | 
| debtor.account.accountType | This field captures the debtor's account type |  | 4 | Currently only support IBAN accounts. | 
| debtor.account.accountCurrency | ISO 4217 Alpha-3 Currency Code. |  | 3 | Currently only supports "EUR". | 
| creditor.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. | 
| 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 | - 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.organizationIds[].organizationId | Organization identifier details |  | 35 | Either individualID or organizationID, not both | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual identifier details |  | 35 | Either individualID or organizationID, not both | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (1 line) | This is to provide other payment details. | 

#### United Kingdom (UK FPS)

**United Kingdom (UK FPS) required fields**

 
**United Kingdom (UK FPS) 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 last 16 characters will be displayed. | 1 | 31 | - 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 "GBP" 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: GBP 1,000,000 | 
| transferType | Indicates the direction of the money movement. |  |  | 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 | 8 | - Account numbers with fewer than 8 digits must be padded with leading zeros. - For Agency payments, this field should contain the ultimate payer's 8-digit account number. | 
| debtorAgent.financialInstitutionIds[].id | The financial institution identifier, such as "BIC" or sort code. | 6 | 11 | - Proprietary payments: The field is expected to contain one of the following BIC values, either 8 or 11 characters in length: - CHASGB2L - CHASGB2LXXX - Agency payments: The field is expected to contain a 6-digit sort code number. Sort codes with fewer than six digits must be padded with leading zeros. A BIC value must not be included. | 
| debtorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 3 | - Proprietary payments: Mandatory to include "BIC" - Agency payments: Mandatory to include "SORT_CODE" | 
| debtorAgent.additionalInstitutions[].id | Identifier |  | 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 | 
| debtorAgent.postalAddress.country | The field captures the country of the debtor agent. |  | 2 | Agency payments: Mandatory to include "GB" | 
| creditor.account.accountNumber | This field captures a regular account number |  | 8 | Account numbers with less than 8 digits must be padded with leading zeros | 
| creditor.name | Party name |  | 40 |  | 
| creditorAgent.financialInstitutionIds[].id | Financial institution identifier. |  | 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. For example, if the number is 1234, you will need to enter leading zeros. so that the number will be represented as 001234. | 
| creditorAgent.financialInstitutionIds[].idType | The type of financial institution identifier |  | 9 | "CLEARING_SYSTEM_ID" | 

**United Kingdom (UK FPS) optional fields**

 
**United Kingdom (UK FPS) 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 | Currently supports "GBP". | 
| debtor.postalAddress.type | Type of postal address |  | 4 | Agency payments: Field is expected to contain the Ultimate Payer's address type. Recommended 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. | 
| debtor.postalAddress.addressLines | Unstructured addresses |  | 70 (4 lines) | Agency payments: Field is expected to contain the Ultimate Payer's address line | 
| debtor.postalAddress.buildingNumber | Building number |  | 16 | Agency payments: Field is expected to contain the Ultimate Payer's building number | 
| debtor.postalAddress.streetName | Street name |  | 70 | Agency payments: Field is expected to contain the Ultimate Payer's street name | 
| debtor.postalAddress.city | City |  | 35 | Agency payments: Field is expected to contain the Ultimate Payer's city | 
| debtor.postaladdress.postalCode | Postal Code |  | 16 | Agency payments: Field is expected to contain the Ultimate Payer's postal code | 
| debtor.postalAddress.countrySubDivision | Country Subdivision code |  | 35 | Agency payments: Field is expected to contain the Ultimate Payer's country subdivision | 
| debtor.postalAddress.country | Country |  | 2 | Agency payments: Field is expected to contain the Ultimate Payer's 2-character ISO country code | 
| debtor.countryOfResidence | Country of residence |  | 2 | Agency payments: Field is expected to contain the Ultimate Payer's 2-character ISO country code | 
| 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 | 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.ultimateDebtor.organizationIds[].organizationId | Organization identifier details |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateDebtor.individualIds[].individualId | Individual ID details |  | 35 | Recommended for TP3 flows | 
| additionalParties.ultimateCreditor.Name | Party name |  | 140 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.city | City of birth |  | 35 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.country | Country of birth |  | 2 |  | 
| additionalParties.ultimateCreditor.dateAndPlaceOfBirth.birthDate | Date of birth |  | 10 |  | 
| additionalParties.ultimateCreditor.countryOfResidence | Country of residence |  | 2 |  | 
| additionalParties.ultimateCreditor.postalAddress.type | Type of postal address |  | 4 |  | 
| 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 |  | 
| additionalParties.ultimateCreditor.organizationIds[].organizationId | Organization identifier details |  | 35 |  | 
| additionalParties.ultimateCreditor.individualIds[].individualId | Individual ID details |  | 35 |  | 
| remittanceInformation.unstructuredInformation.text | Unstructured information |  | 140 (2 lines) | - Provides payment details to the beneficiary. - The first 18 characters will be sent to the beneficiary bank as the reference, which should always appear on the beneficiary’s statement. - The full value is also sent to the beneficiary bank as additional information. Only a limited number of banks currently display this information to their beneficiaries. - For TP3 flows, the combined length of the following fields must not exceed 232 characters: - Ultimate debtor name - Individual/Organization ID - Address fields - Unstructured remittance information | 

### 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 per below: - "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 | 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 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. |  | 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 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. |  | 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 providded 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 put "Credit" for routing rules. | 
| paymentType | Type of payment being initiated. |  | 3 | Must put "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 stat 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. | 
| 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. | 
| 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. | 
| 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. | 0.01 | 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 cannnot be more than the original amount. | 0.01 | 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 | Reason for the return in coded format. | 4 | 4 | Captures the reason for the return in coded format. Valid value is "MD06" for Brazil. | 
| 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).