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Jp Morgan Wallet

UK FPS: Send funds in real time

Overview

UK Faster Payments System (UK FPS) is a payment rail that enables you to send funds from a Wallet DDA in the UK (London branch) to a counterparty's bank account in the UK that supports UK FPS.

You can send funds 24 hours a day, 365 days a year, and the funds become available to the recipient in as little as 15 seconds.

For an overview of payment types in Wallet, see Payments.

Use cases

You can use the UK FPS payment rail to transfer funds in GBP near-instantly between UK banks. For example:

  • Merchant services platform: Pay out a merchant's revenue to their UK bank account.
  • Video game company: Pay out a player's in-game currency to their UK bank account.
  • Marketplace platform: Pay out a seller's revenue to their UK bank account.

Key information

The following table describes important information about UK FPS.

Key information for UK FPS
Production endpoint

v3.x: https://apigateway.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch


Use if you need to send funds from Japan or handle BGN currency.

v2.x: https://apigateway.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch


Use if you don't require v3.

Client testing endpoint v3.x: https://apigatewaycat.jpmorgan.com/tsapi/v3/jpmwallet/payments/advanced-batch v2.x: https://apigatewaycat.jpmorgan.com/tsapi/v2/jpmwallet/payments/advanced-batch
API reference v3.x: Initiate one or many PayOuts v2.x: Initiate one or many PayOuts
Supported branches J.P. Morgan Chase Bank, London branch (see Reference - Supported branches and their Business Identifier Codes)
Supported currencies GBP
Supported account types All (Demand Deposit Account - DDA and Customer Money Account - CMA)
Payment type
Payment flows
  • Domestic, same currency: GBP to GBP
  • Domestic, Foreign Exchange (FX): Not supported
  • Cross-border, same currency: Not supported
  • Cross-border, FX: Not supported
Transaction limit £1,000,000
Cut-off time No cut-off time
Settlement period Immediately
Returns, recalls, and reversals Not supported
Service level code Set serviceLevel.code to INST

Prerequisites

Before you can execute transactions using the UK FPS payment rail, you must configure your Wallet program for UK FPS. For more information, ask your J.P. Morgan representative.

Reporting

UK FPS transactions appear on your daily TRANSACTION ACTIVITY reports.

The following table is an example of what a UK FPS transaction on a TRANSACTION ACTIVITY report might look like.

TRANSACTION ACTIVITY report example
CLIENT ID 0186125263
PROGRAM ID 1000000006
BUSINESS PROCESSING DATE 3/4/2026
BANK NAME JPM London
WALLET DDA NUMBER XXXXXXXXXX
WALLET CURRENCY GBP
RECEIVED DATE 3/3/2026
REQUESTED VALUE DATE 3/3/2026
VALUE DATE 3/4/2026
CLIENT TXN ID SMOKE-031816367
TXN TYPE PAYOUT
DEBTOR ACCOUNT XXXXXXXXXX
DEBTOR NAME EWALLET ORIGINATOR
DEBTOR VIRTUAL ACCOUNT ID VAID-smoke01
DEBTOR AGENT JPMORGAN CHASE BANK N.A.
DEBTOR AGENT ID CHASGB2LXXX
DEBIT AMOUNT 0.02
DEBIT CURRENCY GBP
CREDITOR ACCOUNT XXXXXXXXXX
CREDITOR NAME XXXXXXXXXX
CREDITOR AGENT JPMC LONDON BANK
CREDITOR AGENT ID GBDSC 839146
CREDIT AMOUNT 0.02
CREDIT CURRENCY GBP
STATUS COMPLETED
SETTLEMENT METHOD RTP
PRN XXXXXXXXXX
REMITTANCE INFO Remittance text
BATCH ID SMOKE-031816367
MATCHED REFERENCE ID SMOKE-031816367
DDA NARRATIVE Remittance text

Notes

Both the debtor account and the creditor account must support UK FPS.

Important parameters

The following sections list important parameters in the UK FPS PayOut request along with their requirements.

Not all parameters are listed here—for a complete list, see the API reference.

Header parameters

Include the following parameters in the header.

Header parameters for UK FPS
Parameter Required / Optional Description
programId Required Your Wallet program ID.
transactionType Required Type of the transaction. Set to PAYOUT.

Body parameters

Note the following important body parameters for UK FPS PayOut transactions.

groupHeader

The groupHeader object contains information about the batch of transactions.

groupHeader object in UK FPS PayOut request
Parameter Required / Optional Description
controlSum Required Sum of the transaction amounts in this request. Must be less than or equal to 1,000,000.
creationDateTime Required Date and time when the batch was created. Must be in local time with the time zone offset to UTC in the following format: YYYY-MM-DDThh:mm:ss±hh:mm
initiatingParty.identification.organisationIdentification.bicOrBei Conditionally required If you are a financial institution, enter your BIC.
initiatingParty.identification.organisationIdentification.other.identification Conditionally required If you are a financial institution, set to BANK.
initiatingParty.name Required Name of the initiating party (you). Maximum 140 characters. No special characters allowed.
messageIdentification Required Unique ID of the batch of transactions. Maximum 35 characters.
numberOfTransactions Required Total number of transactions in the batch. Must be 1.

The following code snippet is an example of the groupHeader object.

UK FPS: groupHeader
{
    "groupHeader": {
        "messageIdentification": "N77064075778",
        "creationDateTime": "2023-09-27T13:36:24.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "initiatingParty": {
            "name": "Wallet in London"
        }
    }
}

paymentInformation

The paymentInformation object contains parameters related to the payment.

paymentInformation object in UK FPS PayOut request
Parameter Required / Optional Description
controlSum Required Sum of the transaction amounts in this request. Must be less than or equal to 1,000,000.
numberOfTransactions Required Number of transactions in this batch. Must be 1.
paymentInformationIdentification Required Unique ID of the payment. Maximum 35 characters.
paymentMethod Required Set to TRF.
paymentTypeInformation.serviceLevel.code Required Set to INST. For more information about service level codes, see Payments - Service level codes.
requestedExecutionDate Required Date when the transaction should be executed in YYYY-MM-DD format. For more information about requested execution dates, see Payments - Requested execution date.

The following code snippet is an example of the paymentInformation object.

UK FPS: paymentInformation
{
    "paymentInformation": {
        "paymentInformationIdentification": "UKFPSTP3N77064075778",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "URNS"
            }
        },
        "requestedExecutionDate": "2023-09-27"
    }
}

paymentInformation.debtor

The paymentInformation.debtor object contains information about the individual or business that represents the debtor.

paymentInformation.debtor object in UK FPS PayOut request
Parameter Required / Optional Description
identification.organisationIdentification.bicOrBei Conditionally required If you are a financial institution, set this to your BIC.
identification.organisationIdentification.other.identification Required If you are a financial institution, set this to BANK. Otherwise, set this to your Company ID.
identification.organisationIdentification.other.schemeName.proprietary Conditionally required If identification.organisationIdentification.other.identification is set to your Company ID, set this to JPMCOID.
name Required Name of the debited party (you). Maximum 140 characters.
postalAddress Required Postal address of the debtor. Must be in the UK.

The following code snippet is an example of the paymentInformation.debtor object.

UK FPS: paymentInformation.debtor
{
    "paymentInformation": {
        "debtor": {
            "name": "JPMC in London",
            "postalAddress": {
                "country": "GB"
            }
        }
    }
}

paymentInformation.debtorAccount

The paymentInformation.debtorAccount object contains information about the bank account of the debtor.

paymentInformation.debtorAccount object in UK FPS PayOut request
Parameter Required / Optional Description
currency Required Three-character ISO 4217 code for the currency of the funds in your Wallet DDA. Must be GBP.
identification.other.identification Required Account number of the debited physical bank account. Must be 10 digits.
name Optional Name of the debtor account.Maximum 140 characters.

The following code snippet is an example of the paymentInformation.debtorAccount object.

UK FPS: paymentInformation.debtorAccount
{
    "paymentInformation": {
        "debtorAccount": {
            "name": "JPMC Client Name",
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "GBP"
        }
    }
}

paymentInformation.debtorAgent

The paymentInformation.debtorAgent object contains information about the bank where the debtor account is located.

paymentInformation.debtorAgent object in UK FPS PayOut request
Parameter Required / Optional Description
financialInstitutionIdentification.bic Conditionally required BIC of the bank branch where the debtor account is located. If the debtor account is your Wallet DDA, this must be the BIC of the J.P. Morgan Chase Bank, London branch (CHASGB2LXXX). See Reference - Supported branches and their BICs.
financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code Conditionally required Set to GBDSC. Either the BIC (financialInstitutionIdentification.bic) or the routing number (financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification) of the debtor bank branch is required. If you provide the routing number, you must provide this parameter. For more information, see Payments - Clearing system identification codes.
financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification Conditionally required Six-digit UK Sort Code of the debtor bank branch. Either the BIC (financialInstitutionIdentification.bic) or the routing number (financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification) of the debtor bank branch is required. If you provide the routing number, you must provide this parameter.
financialInstitutionIdentification.postalAddress Required Postal address of the debtor bank branch. Must be in the UK.

The following code snippet is an example of the paymentInformation.debtorAgent object.

UK FPS: paymentInformation.debtorAgent
{
    "paymentInformation": {
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASGB2LXXX",
                "postalAddress": {
                    "country": "GB"
                }
            }
        }
    }
}

paymentInformation.creditTransferTransactionInformation

The paymentInformation.creditTransferTransactionInformation object contains information about the transaction such as the creditor, the ultimate debtor, and the ultimate creditor.

paymentInformation.creditTransferTransactionInformation object in UK FPS PayOut request
Parameter Required / Optional Description
amount.instructedAmount.amount Required Amount of money in the transaction. Must be less than or equal to 1,000,000.
amount.instructedAmount.currency Required Currency code of the funds being transferred in three-character ISO 4217 format. Must be GBP.
creditor.identification Optional ID of the creditor.
creditor.name Required For payments to individuals, provide the first, middle, and last names with spaces between each name. Maximum 35 characters.
creditor.postalAddress Required Postal address of the creditor. Must be in the UK.
creditorAccount.currency Optional Three-character ISO 4217 code of the currency of the funds in the credited DDA. Must be GBP.
creditorAccount.identification.IBAN Conditionally required International Bank Account Number (IBAN) of the creditor bank account. Required if you don't provide creditorAccount.identification.other.identification.
creditorAccount.identification.other.identification Conditionally required Account number of the credited physical bank account. Required if you don't provide identification.IBAN. Must not contain leading zeros. Maximum eight digits.
creditorAgent.financialInstititutionIdentification.bic Optional but recommended BIC of the creditor bank branch. Must be in the UK.
creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.clearingSystemIdentification.code Required Code that identifies the clearing system for the transaction. Must be GBDSC. For more information, see Clearing system identification codes.
creditorAgent.financialInstitutionIdentification.clearingSystemMemberIdentification.memberIdentification Conditionally required Six-digit UK Sort Code of the creditor bank branch. Required if you don't provide identification.IBAN.
creditorAgent.financialInstitutionIdentification.postalAddress Required Postal address of the creditor bank branch. Must be in the UK.
paymentIdentification.endToEndIdentification Required Unique ID for tracing requests and responses for this transaction. Maximum 16 characters.
remittanceInformation.unstructured Optional Payment details. Maximum 18 characters.
ultimateDebtor.identification.organisationIdentification.other.identification Conditionally required ID of the ultimate debtor VTA. Required if the ultimateDebtor parameter is present.
ultimateDebtor.identification.organisationIdentification.other.schemeName.proprietary Conditionally required Set to virtualAccountIdentification. Required if the ultimateDebtor parameter is present.
ultimateDebtor.name Conditionally required Required if the payment is made on behalf of a third party (not the debtor). Maximum 35 characters.
ultimateDebtor.postalAddress Conditionally required Required if the ultimateDebtor parameter is present.

The following code snippet is an example of the paymentInformation.creditTransferTransactionInformation object.

UK FPS: paymentInformation.creditTransferTransactionInformation
{
    "paymentInformation": {
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "N77064075778"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 0.01,
                        "currency": "GBP"
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "GBDSC"
                            },
                            "memberIdentification": "609242"
                        },
                        "postalAddress": {
                            "country": "GB"
                        }
                    }
                },
                "creditor": {
                    "name": "Individual Beneficiary Name",
                    "postalAddress": {
                        "streetName": "123 Bene Street Name",
                        "townName": "Bene Town Name",
                        "country": "GB"
                    },
                    "identification": {
                        "privateIdentification": {
                            "other": []
                        }
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXX"
                        }
                    }
                },
                "remittanceInformation": {
                    "unstructured": [
                        "PVT UKFPS 1234567890"
                    ]
                }
            }
        ]
    }
}

Examples

Request with minimum required data (non-TP3)

The following example shows the minimum data required to execute a PayOut transaction using the UK FPS payment rail.

UK FPS: Request with minimum required data (non-TP3)
{
    "groupHeader": {
        "messageIdentification": "N77064075778",
        "creationDateTime": "2023-09-27T13:36:24.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "initiatingParty": {
            "name": "Wallet in London"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "UKFPSTP3N77064075778",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "URNS"
            }
        },
        "requestedExecutionDate": "2023-09-27",
        "debtor": {
            "name": "JPMC in London",
            "postalAddress": {
                "country": "GB"
            }
        },
        "debtorAccount": {
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "GBP"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASGB2LXXX",
                "postalAddress": {
                    "country": "GB"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "N77064075778"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 0.01,
                        "currency": "GBP"
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "GBDSC"
                            },
                            "memberIdentification": "609242"
                        },
                        "postalAddress": {
                            "country": "GB"
                        }
                    }
                },
                "creditor": {
                    "name": "Individual Beneficiary Name",
                    "postalAddress": {
                        "streetName": "123 Bene Street Name",
                        "townName": "Bene Town Name",
                        "country": "GB"
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXX"
                        }
                    }
                }
            }
        ]
    }
}

Request with optional data

The following example shows the request body of a PayOut transaction using the UK FPS payment rail with optional parameters.

Example request: UK FPS PayOut
{
    "groupHeader": {
        "messageIdentification": "N77064075778",
        "creationDateTime": "2023-09-27T13:36:24.000+0000",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "initiatingParty": {
            "name": "Wallet in London"
        }
    },
    "paymentInformation": {
        "paymentInformationIdentification": "UKFPSTP3N77064075778",
        "numberOfTransactions": 1,
        "controlSum": 0.01,
        "paymentMethod": "TRF",
        "paymentTypeInformation": {
            "serviceLevel": {
                "code": "URNS"
            }
        },
        "requestedExecutionDate": "2023-09-27",
        "debtor": {
            "name": "JPMC in London",
            "postalAddress": {
                "country": "GB"
            }
        },
        "debtorAccount": {
            "name": "JPMC Client Name",
            "identification": {
                "other": {
                    "identification": "XXXXXXXXXX"
                }
            },
            "currency": "GBP"
        },
        "debtorAgent": {
            "financialInstitutionIdentification": {
                "bic": "CHASGB2LXXX",
                "postalAddress": {
                    "country": "GB"
                }
            }
        },
        "creditTransferTransactionInformation": [
            {
                "paymentIdentification": {
                    "endToEndIdentification": "N77064075778"
                },
                "amount": {
                    "instructedAmount": {
                        "amount": 0.01,
                        "currency": "GBP"
                    }
                },
                "ultimateDebtor": {
                    "name": "SELLER BENEFICIARY NAME",
                    "postalAddress": {
                        "townName": "Tokyo",
                        "streetName": "456 Street Name",
                        "country": "JP",
                        "postCode": "1234567"
                    },
                    "identification": {
                        "privateIdentification": {
                            "other": [
                                {
                                    "identification": "LON2PATSY01",
                                    "schemeName": {
                                        "proprietary": "virtualAccountIdentification"
                                    }
                                }
                            ]
                        }
                    }
                },
                "creditorAgent": {
                    "financialInstitutionIdentification": {
                        "clearingSystemMemberIdentification": {
                            "clearingSystemIdentification": {
                                "code": "GBDSC"
                            },
                            "memberIdentification": "609242"
                        },
                        "postalAddress": {
                            "country": "GB"
                        }
                    }
                },
                "creditor": {
                    "name": "Individual Beneficiary Name",
                    "postalAddress": {
                        "streetName": "123 Bene Street Name",
                        "townName": "Bene Town Name",
                        "country": "GB"
                    },
                    "identification": {
                        "privateIdentification": {
                            "other": []
                        }
                    }
                },
                "creditorAccount": {
                    "identification": {
                        "other": {
                            "identification": "XXXXXXXX"
                        }
                    }
                },
                "remittanceInformation": {
                    "unstructured": [
                        "PVT UKFPS 1234567890"
                    ]
                }
            }
        ]
    }
}

Response

The following is the synchronous response to the previous example request.

Example response: UK FPS PayOut
{
    "groupHeader": {
        "messageIdentification": "99b80113-d7ed-4e9e-95c4-e3f486234c59",
        "creationDateTime": "2023-09-27T13:36:27.000+0000",
        "initiatingParty": {
            "name": "Wallet in London"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "N77064075778",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalCreationDateTime": "2023-09-27T13:36:24.000+0000",
        "originalNumberOfTransactions": 1,
        "originalControlSum": 0.01,
        "groupStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.01
            }
        ]
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "UKFPSTP3N77064075778",
        "paymentInformationStatus": "ACTC",
        "statusReasonInformation": [],
        "numberOfTransactionsPerStatus": [
            {
                "detailedNumberOfTransactions": "1",
                "detailedStatus": "ACTC",
                "detailedControlSum": 0.01
            }
        ],
        "transactionInformationAndStatus": [
            {
                "originalEndToEndIdentification": "N77064075778",
                "transactionStatus": "ACTC",
                "statusReasonInformation": [],
                "acceptanceDateTime": "2023-09-27T13:36:27.396+0000",
                "accountServicerReference": "d844a327-e387-4241-9ee4-f06abf395013",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.01,
                            "currency": "GBP"
                        }
                    },
                    "requestedExecutionDate": "2023-09-27",
                    "paymentMethod": "TRF",
                    "ultimateDebtor": {
                        "name": "SELLER BENEFICIARY NAME",
                        "postalAddress": {
                            "townName": "Tokyo",
                            "streetName": "456 Street Name",
                            "country": "JP",
                            "postCode": "1234567"
                        },
                        "identification": {
                            "privateIdentification": {
                                "other": [
                                    {
                                        "identification": "LON2PATSY01",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "GBP",
                        "name": "JPMC Client Name"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASGB2LXXX",
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "GBDSC"
                                },
                                "memberIdentification": "609242"
                            },
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXX"
                            }
                        }
                    }
                }
            }
        ]
    }
}

Notification

The following is the asynchronous notification that Wallet sends after completing the previous example request.

Example notification: UK FPS PayOut
{
    "groupHeader": {
        "messageIdentification": "8a0223a9-5937-4a45-9871-11d28555aeda",
        "creationDateTime": "2023-09-06T14:53:37.187+0000",
        "initiatingParty": {
            "name": "Debtor Name"
        }
    },
    "originalGroupInformationAndStatus": {
        "originalMessageIdentification": "N77064075778",
        "originalMessageNameIdentification": "API-PAYOUT",
        "originalNumberOfTransactions": 1
    },
    "originalPaymentInformationAndStatus": {
        "originalPaymentInformationIdentification": "UKFPSN77064040803",
        "transactionInformationAndStatus": [
            {
                "originalInstructionIdentification": "N77064075778",
                "originalEndToEndIdentification": "N77064075778",
                "transactionStatus": "ACSC",
                "statusReasonInformation": [
                    {
                        "additionalInformation": [
                            "/eventType/PaymentComplete"
                        ]
                    }
                ],
                "acceptanceDateTime": "2023-09-06T14:53:09.650+0000",
                "accountServicerReference": "119CMJ1614F0",
                "originalTransactionReference": {
                    "amount": {
                        "instructedAmount": {
                            "amount": 0.1,
                            "currency": "GBP"
                        }
                    },
                    "requestedExecutionDate": "2023-09-06",
                    "paymentMethod": "TRF",
                    "remittanceInformation": [
                        {
                            "remittanceInformationText": "Remittance Info 123",
                            "remittanceSequenceNumber": "1"
                        }
                    ],
                    "ultimateDebtor": {
                        "name": "SELLER BENEFICIARY NAME",
                        "postalAddress": {
                            "townName": "Tokyo",
                            "streetName": "456 Street Name",
                            "country": "JP",
                            "postCode": "1234567"
                        },
                        "identification": {
                            "organisationIdentification": {
                                "other": [
                                    {
                                        "identification": "TEST-VTA-GBP-01",
                                        "schemeName": {
                                            "proprietary": "virtualAccountIdentification"
                                        }
                                    }
                                ]
                            }
                        }
                    },
                    "debtorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXXXX"
                            }
                        },
                        "currency": "GBP"
                    },
                    "debtorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "CHASGB2LXXX",
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAgent": {
                        "financialInstitutionIdentification": {
                            "bic": "UNAVAILABLE",
                            "clearingSystemMemberIdentification": {
                                "clearingSystemIdentification": {
                                    "code": "GBDSC"
                                },
                                "memberIdentification": "404611"
                            },
                            "postalAddress": {
                                "country": "GB"
                            }
                        }
                    },
                    "creditorAccount": {
                        "identification": {
                            "other": {
                                "identification": "XXXXXXXX"
                            }
                        },
                        "currency": "GBP"
                    },
                    "receiver": {
                        "name": "Individual Beneficiary Name",
                        "postalAddress": {
                            "streetName": "123 Bene Street Name",
                            "townName": "Bene Town Name",
                            "country": "GB"
                        }
                    }
                }
            }
        ]
    }
}

TP3 PayOuts

This section explains the requirements for Third Party Payment Processor (TP3) transactions using the UK FPS payment rail. For more information about TP3 transactions, see Pay on behalf of a third party.

Flows

Wallet supports the following flows for TP3 UK FPS transactions:

  • London / GBP to GBP

Requirements

In addition to the requirements described in Payments, the following fields in the paymentInformation.creditTransferTransactionInformation object have specific requirements for TP3 UK FPS transactions.

The total combined length of the ultimateDebtor fields and the remittanceInformation fields must be less than or equal to 233 characters.

paymentInformation.creditTransferTransactionInformation object requirements for TP3 UK FPS
Field Required / Optional Requirements
remittanceInformation.unstructured Optional Maximum 18 characters.
ultimateDebtor.name Required Maximum 140 characters.
ultimateDebtor.postalAddress.addressLine Optional Maximum 70 characters.
ultimateDebtor.postalAddress.buildingNumber Optional Maximum 16 characters.
ultimateDebtor.postalAddress.country Required Two-character ISO 3166 country code.
ultimateDebtor.postalAddress.countrySubDivision Optional Maximum 35 characters.
ultimateDebtor.postalAddress.postCode Required Maximum 16 characters.
ultimateDebtor.postalAddress.streetName Required Maximum 70 characters.
ultimateDebtor.postalAddress.townName Required Maximum 35 characters.

Example

The following is an example of the ultimateDebtor object in a TP3 UK FPS request.

Example: TP3 UK FPS
"ultimateDebtor": {
    "name": "Ultimate Debtor Name",
    "postalAddress": {
        "streetName": "12345 Street Name",
        "buildingNumber": "12345",
        "townName": "Town",
        "postCode": "12345",
        "countrySubDivision": "Sheer",
        "country": "GB",
        "addressLine": [
            "Additional Address Information"
        ]
    },
...