Business payments

This document lists the required details that needs to be sent for each of our payout corridor

Note Occasionally there might be issues with one of the corridors and we might have to disable them temporarily. Once youre onboarded we’ll let you know if this happens. Also if you’re trying to use a disabled corridor you’re going to receive a validation error stating that the corridor is not active, and you won’t be able to create new transactions there.

Our system not only allows transactions from personal senders to personal recipients, but also to and from business senders and business recipients. Note however that regulatory and other requirements might be more strict for these transactions, so before you start implementing business transactions please reach out to our sales and account management team for more information.

Business senders

For business senders you need to provide different details than for personal senders. More specifically you need to provide:

  • Name of the company
  • Country of incorporation
  • Trading address

Please see the following example on how to provide these fields:

{
    "type": "business",
    "name": "Company name",

    // Country of Incorporation
    "country": "US",

    // Trading address of the company
    "trading_country": "US",
    "city": "New York",
    "street": "20 W 34th St",
    "postal_code": "10001",
    "address_description": "",

    // Company Details
    "legal_entity_type": "privately_owned_company", // Company type, Optional
    "registration_date": "2012-01-25", // Optional
    "registration_number": "VAT1234567", // Optional
    "nature_of_business": "retail_trade", // Industry, Optional

    // Contact Details
    "phone_number": "+15555551234", // E.164 international format, Optional
    "email": "example@home.org",

    // ID of the sender in your system
    "external_id": "Sender:Business:US:234523",

    // these fields are mandatory, but you can usually leave them with the following default values:
    "documents": [ ],
    "ip": "127.0.0.1",
    "metadata": {}
}

Sender sender = new Sender(
  type: TypeEnum.BUSINESS,
  name: "Company Name",

// Country of Incorporation
  country: "US",

// Trading address of the company
  tradingCountry: "US",
  city: "New York",
  street: "20 W 34th St",
  postalCode: "10001",
  addressDescription: "",

// Company Details
  legalEntityType: LegalEntityTypeEnum.PRIVATELY_OWNED_COMPANY, // Company type, Optional
  registrationDate: DateTime.Parse("2012-01-25"), // Optional
  registrationNumber: "VAT1234567", // Optional
  natureOfBusiness: NatureOfBusinessEnum.RETAIL_TRADE, // Industry, Optional

// Contact Details
  phoneNumber: "+15555551234", // E.164 international format, Optional
  email: "info@transferzero.com",

// ID of the sender in your system
  externalId: "Sender:Business:234523",

// you'll need to set these fields but usually you can leave them the default
  ip: "127.0.0.1",
  documents: new List<Document>());

Dim sender as Sender = New Sender(
  type:=TypeEnum.BUSINESS,
  name:="Company Name",

' Country of Incorporation
  country:="US",

' Trading address of the company
  tradingCountry:="US",
  city:="New York",
  street:="20 W 34th St",
  postalCode:="10001",
  addressDescription:="",

' Company Details
  legalEntityType:=LegalEntityTypeEnum.PRIVATELY_OWNED_COMPANY, ' Company type, Optional
  registrationDate:=DateTime.Parse("2012-01-25"), ' Optional
  registrationNumber:="VAT1234567", ' Optional
  natureOfBusiness:=NatureOfBusinessEnum.RETAIL_TRADE, ' Industry, Optional

' Contact Details
  phoneNumber:="+15555551234", ' E.164 international format, Optional
  email:="info@transferzero.com",

' ID of the sender in your system
  externalId:="Sender:Business:234523",

' you'll need to set these fields but usually you can leave them the default
  ip:="127.0.0.1",
  documents:=New List(Of Document)()))

Sender sender = new Sender();
sender.setType(TypeEnum.BUSINESS);
sender.setName("Company Name");

// Country of Incorporation
sender.setCountry("US");

// Trading address of the company
sender.setTradingCountry("US");
sender.setCity("New York");
sender.setStreet("20 W 34th St");
sender.setPostalCode("10001");
sender.setAddressDescription("");

// Company Details
sender.setLegalEntityType(LegalEntityTypeEnum.PRIVATELY_OWNED_COMPANY); // Company type, Optional
sender.setRegistrationDate(LocalDate.parse("2012-01-25")); // Optional
sender.setRegistrationNumber("VAT1234567"); // Optional
sender.setNatureOfBusiness(NatureOfBusinessEnum.RETAIL_TRADE); // Industry, Optional

// Contact Details
sender.setPhoneNumber("+15555551234"); // E.164 international format, Optional
sender.setEmail("info@transferzero.com");

// ID of the sender in your system
sender.setExternalId("Sender:Business:234523");

// you'll need to set these fields but usually you can leave them the default
sender.setIp("127.0.0.1");
sender.setDocuments(new ArrayList<>());

const sender = new TransferZeroSdk.Sender();
sender.type = "business";
sender.name = "Company Name";

// Country of Incorporation
sender.country = "US";

// Trading address of the company
sender.trading_country = "US";
sender.city = "New York";
sender.street = "20 W 34th St";
sender.postal_code = "10001";
sender.address_description = "";

// Company Details
sender.legal_entity_type = "privately_owned_company"; // Company type, Optional
sender.registration_date = "2012-01-25"; // Optional
sender.registration_number = "VAT1234567"; // Optional
sender.nature_of_business = "retail_trade"; // Industry, Optional

// Contact Details
sender.phone_number = "+15555551234"; // E.164 international format, Optional
sender.email = "info@transferzero.com";

// ID of the sender in your system
sender.external_id = "Sender:Business:234523";

// you'll need to set these fields but usually you can leave them the default
sender.ip = "127.0.0.1";
sender.documents = [];

$sender = new Sender();
$sender->setType("business");
$sender->setName("Company Name");

// Country of Incorporation
$sender->setCountry("US");

// Trading address of the company
$sender->setTradingCountry("US");
$sender->setCity("New York");
$sender->setStreet("20 W 34th St");
$sender->setPostalCode("10001");
$sender->setAddressDescription("");

// Company Details
$sender->setLegalEntityType("privately_owned_company"); // Company type, Optional
$sender->setRegistrationDate("2012-01-25"); // Optional
$sender->setRegistrationNumber("VAT1234567"); // Optional
$sender->setNatureOfBusiness("retail_trade"); // Industry, Optional

// Contact Details
$sender->setPhoneNumber("+15555551234"); // E.164 international format, Optional
$sender->setEmail("info@transferzero.com");

// ID of the sender in your system
$sender->setExternalId("Sender:Business:234523");

// you'll need to set these fields but usually you can leave them the default
$sender->setIp("127.0.0.1");
$sender->setDocuments([]);

sender = TransferZero::Sender.new
sender.type = "business"
sender.name = "Company Name"

# Country of Incorporation
sender.country = "US"

# Trading address of the company
sender.trading_country = "US"
sender.city = "New York"
sender.street = "20 W 34th St"
sender.postal_code = "10001"
sender.address_description = ""

# Company Details
sender.legal_entity_type = "privately_owned_company" # Company type, Optional
sender.registration_date = "2012-01-25" # Optional
sender.registration_number = "VAT1234567" # Optional
sender.nature_of_business = "retail_trade" # Industry, Optional

# Contact Details
sender.phone_number = "+15555551234" # E.164 international format, Optional
sender.email = "info@transferzero.com"

# ID of the sender in your system
sender.external_id = "Sender:Business:234523"

# you'll need to set these fields but usually you can leave them the default
sender.ip = "127.0.0.1"
sender.documents = []

The valid values for the company type / legal entity type are the following:

Note! If you select financial_institution then the fields vat_registration_number, financial_regulator and regulatory_licence_number will be mandatory for the sender as well.

The valid values for the industry / nature of business are the following:

- personal: Personal
- agriculture_and_hunting: Agriculture and Hunting
- forestry: Forestry
- fishing: Fishing
- agricultural_by_products: Agricultural By-Products
- coal_mining: Coal Mining
- oil_mining: Oil Mining
- iron_ore_mining: Iron Ore Mining
- other_metal_and_diamond_mining: Other Metal and Diamond Mining
- other_mineral_mining: Other Mineral Mining
- manufacturing_of_food_drink_tobacco: Manufacture of Food/Drink/Tobacco
- manufacturing_of_textiles_leather_fur_furniture: Manufacture of Textiles/Leather/Fur/Furniture
- manufacture_of_wooden_products_furniture: Manufacture of Wooden Products/Furniture
- manufacture_of_paper_pulp_allied_products: Manufacture of Paper/Pulp/Allied Products
- manufacture_of_chemicals_medical_petroleum_rubber_plastic_products: Manufacture Of Chemicals Medical Petroleum Rubber Plastic Products
- manufacture_of_pottery_china_glass_stone: Manufacture Of Pottery China Glass Stone
- manufacture_of_iron_steel_non_ferrous_metals_basic_industries: Manufacture Of Iron Steel Non-Ferrous Metals Basic Industries
- manufacture_of_metal_products_electrical_and_scientific_engineering: Manufacture Of Metal Products Electrical And Scientific Engineering
- manufacture_of_jewelry_musical_instruments_toys: Manufacture Of Jewelry Musical Instruments Toys
- electricity_gas_and_water: Electricity, Gas And Water
- construction: Construction
- wholesale_trade: Wholesale Trade
- retail_trade: Retail Trade
- catering_incl_hotels: Catering Incl. Hotels
- transport_storage: Transport Storage
- communications: Communications
- finance_and_holding_companies: Finance And Holding Companies
- insurance: Insurance
- business_services: Business Services
- real_estate_development_investment: Real Estate Development Investment
- central_state_governments: Central State Governments
- community_services_defence_police_prisons_etc: Community Services Defence Police Prisons Etc
- social_services_education_health_care: Social Services Education Health Care
- personal_services_leisure_services: Personal Services - Leisure Services
- personal_services_domestic_laundry_repairs: Personal Services - Domestic Laundry Repairs
- personal_services_embassies_international_organisations: Personal Services - Embassies

Ghana

GHS::Bank

For Ghanan bank payments please use:

"details": {
  "name": "Company name",
  "bank_code": "030100",
  "bank_account": "123456789"
}

The current banks supported and their bank_code values are:

ABSA Ghana Bank (formerly Barclays): 030100
Access Bank: 280100
Agricultural Development Bank: 080100
Bank of Africa: 210100
CAL Bank: 140100
Ecobank: 130100
Fidelity Bank: 240100
First Atlantic Bank: 170100
First Bank Nigeria: 200100
First National Bank: 330100
GCB Bank: 040100
Guaranty Trust Bank: 230100
Heritage Bank: 370100
National Investment Bank: 050100
Prudential Bank: 180100
Republic HFC Bank: 110100
Stanbic Bank: 190100
Standard Chartered Bank: 020100
United Bank for Africa: 060100
Zenith Bank: 120100

The codes above are the GHIPSS bank codes. If you have GHIPSS branch codes or sort codes you can obtain the bank code by adding "100" to the first three digits of the branch/sort code.

Please note that there is no standard format across banks for account numbers in this corridor. If you wish to check for correctness you can see the following list:

ABSA Ghana Bank (formerly Barclays): 10 or 13 digits
Access Bank: 13 digits
Agricultural Development Bank: 16 digits
Bank of Africa: 11 digits
CAL Bank: 13 digits
Ecobank: 13 or 16 digits
Fidelity Bank: 13 digits
First Atlantic Bank: 13 digits
First Bank Nigeria: 13 digits
First National Bank: 11 digits
GCB Bank: 13 digits
Guaranty Trust Bank: 13 digits
Heritage Bank: 13 digits
National Investment Bank: 13 digits
Prudential Bank: 13 digits
Republic HFC Bank: 13 digits
Stanbic Bank: 13 digits
Standard Chartered Bank: 13 digits
United Bank for Africa: 13 or 14 digits
Zenith Bank: 10 digits

Europe / SEPA

EUR::Bank

For EUR IBAN transfers please use:

"details": {
  "name": "Company name",
  "iban": "DE89370400440532013000",
  "bank_name": "Deutsche Bank", // Optional
  "bic": "DEUTDEBBXXX" // Optional
}

Warning! If the recipient account is not an EUR account then the recipient’s bank might charge for converting the received funds from EUR to the local currency.

Note! Transfer is done using the fastest method available on the recipient’s bank.

  • If the recipient’s bank supports the Instant Payment network funds will arrive within 2 hours (but usually within a couple minutes)
  • If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
  • If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days

GBP::Bank

For GBP::Bank there are two payout options available:

  1. GBP Payments with account number and sort code
  2. GBP IBAN transfers

For GBP Payments with account number and sort code please use:

"details": {
  "name": "Company name",
  "bank_name": "Lloyds Bank",
  "bank_account": "12345678",
  "sort_code": "123456"
}

For GBP IBAN transfers please use:

"details": {
  "name": "Company name",
  "bank_name": "Lloyds Bank",
  "iban": "GB29LOYD60161331926819",
  "bic": "LOYDGB2L" // Optional
}

Warning! If the recipient account is not an GBP account then the recipient’s bank might charge for converting the received funds from GBP to the local currency.

Note!

  • The customer needs to enter either an IBAN (and an optional BIC), or an account number and sort code.
  • Transfer is done using the fastest method available on the recipient’s bank.
  • If the recipient’s bank is in the UK, and supports the Faster Payment network funds will arrive within 2 hours (but usually within a couple minutes)
  • If the recipient’s bank supports the SEPA system, funds will arrive within 1-2 business days
  • If the recipient’s bank only supports the Swift system, funds will arrive within 2-5 business days

WAEMU Region / XOF

XOF::Bank

For West African bank payments in selected countries please use the following:

"details" : {
  "name": "Company name",
  "iban": "BJ0610100100144390000769", // BBAN format: AA123 12345 123456789012 12
  "transfer_reason": "personal_account"
}

The current banks supported and their bank_code values are:

# Burkina Faso
United Bank for Africa Burkina: BF022
Banque Internationale pour le Commerce, l'Industrie et l'Agriculture du Burkina: BF023
Banque Commerciale du Burkina: BF056
Société Générale Burkina Faso: BF074
Ecobank Burkina Faso: BF083
Bank Of Africa Burkina Faso: BF084
Banque Sahélo-Saharienne pour l'Investissement et le Commerce - Burkina Faso: BF108
Banque Atlantique Burkina Faso: BF134
International Business Bank: BF139
Coris Bank International: BF148
CBAO, Groupe Attijariwafa bank, Succursale au Burkina: BF161
Orabank Côte d'Ivoire, Succursale du Burkina: BF171
Banque De l'Union Burkina Faso: BF179
Wendkuni Bank International: BF202
Banque Agricole du Faso: BF207

# Benin
Orabank Bénin: BJ058
Bank Of Africa Bénin: BJ061
Ecobank Bénin: BJ062
Banque Internationale du Benin: BJ063
United Bank for Africa Bénin: BJ067
NSIA BANQUE Bénin: BJ099
Société Générale - Benin: BJ104
Banque Sahélo-Saharienne pour l'Investissement et le Commerce - Bénin: BJ107
Banque Atlantique du Bénin: BJ115
BGFIBank Bénin: BJ157
CBAO, Groupe Attijariwafa bank, Succursale du Bénin: BJ177
CCEI BANK BENIN: BJ184
BANQUE AFRICAINE POUR L'INDUSTRIE ET LE COMMERCE - BENIN: BJ185
Coris Bank International Bénin: BJ212
Société Nigérienne de Banque, Succursale du Bénin: BJ199

# Ivory Coast
Banque Internationale pour le Commerce et l'Industrie de la Côte d'Ivoire: CI006
Societe Ivoirienne de Banque: CI007
Société Générale Côte d'Ivoire: CI008
Bank Of Africa Côte d'Ivoire: CI032
Banque Atlantique Côte d'Ivoire: CI034
NSIA Banque Côte d'Ivoire: CI042
Ecobank Côte d'Ivoire: CI059
Banque de l'Habitat de Côte d'Ivoire: CI068
Banque Nationale d'Investissement: CI092
Standard Chartered Bank Côte d'Ivoire: CI097
AFRILAND FIRST BANK Côte d'Ivoire: CI106
Versus Bank S.A: CI112
Citibank - Côte d'Ivoire: CI118
ORABANK Côte d'Ivoire: CI121
Bridge Bank Group Côte d'Ivoire: CI131
United Bank for Africa CI: CI150
Banque Sahélo-Saharienne pour l'Investissement et le Commerce Côte d'Ivoire: CI154
Banque Populaire de Côte d'Ivoire: CI155
Diamond Bank Côte d'Ivoire: CI158
BGFI BANK COTE D'IVOIRE: CI162
Guaranty Trust Bank Côte d'Ivoire: CI163
Coris Bank International Côte d'Ivoire: CI166
Banque De l'Union Côte d'Ivoire: CI180
Banque Malienne de Solidarité, Succursale de Côte d'Ivoire: CI188
Banque Régionale de Marchés, Succursale de Côte d'Ivoire: CI194
Stanbic Bank: CI198
Banque d'Abidjan: CI201
Mansa Bank: CI211
Orange Abidjan Compagnie: CI214

# Senegal
Banque Internationale pour le Commerce et l'Industrie du Sénégal: SN010
Société Générale Sénégal: SN011
CBAO, Groupe Attijariwafa bank: SN012
Banque de l'Habitat du Sénégal: SN039
La Banque Agricole du Sénégal: SN048
Crédit du Sénégal: SN060
Banque Islamique du Sénégal: SN079
Ecobank Sénégal: SN094
Bank Of Africa Sénégal: SN100
Banque Sahélo-Saharienne pour l'Investissement et le Commerce Sénégal: SN111
Banque des Institutions Mutualistes d'Afrique de l'Ouest: SN117
Banque Atlantique Sénégal: SN137
FBNBank Sénégal: SN140
Citibank - Sénégal: SN141
Banque Régionale de Marchés: SN144
United Bank for Africa Sénégal: SN153
Crédit International: SN156
NSIA Banque Bénin, Succursale du Sénégal: SN159
Banque Nationale pour le Développement Economique: SN169
Orabank Côte d'Ivoire, Succursale du Sénégal: SN175
Banque pour le Commerce et l'Industrie du Mali, Succursale au Sénégal: SN178
BGFIBank Sénégal: SN189
Banque de Dakar: SN191
Coris Bank International Sénégal: SN213
La Banque OUTARDE: SN200
Banque de Développement du Mali, Succursale du Sénégal: SN221

# Togo
Banque de Développement du Mali, Succursale du Togo: TG221
Banque Internationale pour l'Afrique au Togo: TG005
Union Togolaise de Banque: TG009
SUNU Bank: TG151
Société Générale Bénin, Succursale du Togo: TG187
Banque Togolaise pour le Commerce et l'Industrie: TG024
Société Interafricaine de Banque: TG027
Ecobank Togo: TG055
Orabank Togo: TG116
Banque Atlantique Togo: TG138
Banque Sahélo-Saharienne pour l'Investissement et le Commerce Togo: TG133
NSIA Banque Bénin, Succursale du Togo: TG160
Bank Of Africa Togo: TG167
Coris Bank International Togo: TG182

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to Recipient Country Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in recipient country: salary_non_resident_in_country
Salary paid to a foreign national contract worker in recipient country: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the Central Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a Citizen living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

Please note that due to regulatory reasons senders trying to create XOF::Bank transactions are required to have the following fields on the sender present as well: street, city and postal_code

Note XOF::Bank payouts are currently in beta phase.

South Africa

ZAR::Bank

For South African bank payments please use the following recipient details:

"details": {
  "name": "Company name",
  "street": "14 Main Street", // optional, if sent should include house number as well
  "postal_code": "AB0001", // optional
  "city": "Cape Town", // optional
  "email": "recipient@email.com",
  "bank_code": "632005",
  "bank_account": "12345678",
  "phone_number": "+27119785313", // E.164 international format
  "transfer_reason": "personal_account", // optional
  "contact_first_name": "First", // optional
  "contact_last_name": "Last", // optional
  "legal_entity_type": "privately_owned_company", // optional
  "registration_number": "VAT1234567", // optional
  "nature_of_business": "retail_trade" // optional
}

The current banks supported and their bank_code values are:

ABSA: 632005
Access Bank: 410506
African Bank: 430000
Albaraka Bank: 800000
Bank of China: 686000
Bank Zero: 888000
Bidvest Bank: 462005
BNP Paribas: 688000
Capitec Bank: 470010
Citibank: 350005
China Construction Bank: 586666
Discovery Bank: 679000
Finbond Mutual Bank: 589000
First National Bank: 250655
Grindrod Bank: 584000
Habib Overseas Bank Limited: 700066
HBZ Bank: 570100
HSBC Bank: 587000
ICICI Bank: 362000
Investec: 580105
JP Morgan Bank: 432000
Mercantile Bank: 450905
Nedbank: 198765
Olympus Mobile: 585001
Peoples Bank: 720026
PEP Bank: 400001
Permanent Bank: 760005
Rand Merchant Bank: 261251
Reserve Bank: 980172
SA Post Office: 460005
Sasfin Bank: 683000
Standard Bank: 051001
Standard Chartered Bank: 730020
State Bank of India: 801000
Tyme Bank: 678910
Ubank: 431010
Unibank Limited: 790005
VBS: 588000

The company types supported and corresponding legal_entity_type are:

Sole Proprietorship: sole_proprietorship
Partnership: partnership
Privately Owned Company (Limited Company): privately_owned_company
Publicly Listed Company (PLC): publicly_owned_company
Government Owned Entity Trusts: government_owned_entity
GO (Majority Owned Subsidiary of State-Owned Company): go
Financial Institution: financial_institution

The valid values for nature_of_business are the following:

- Personal: personal
- Agriculture and Hunting: agriculture_and_hunting
- Forestry: forestry
- Fishing: fishing
- Agricultural By-Products: agricultural_by_products
- Coal Mining: coal_mining
- Oil Mining: oil_mining
- Iron Ore Mining: iron_ore_mining
- Other Metal and Diamond Mining: other_metal_and_diamond_mining
- Other Mineral Mining: other_mineral_mining
- Manufacture of Food/Drink/Tobacco: manufacturing_of_food_drink_tobacco
- Manufacture of Textiles/Leather/Fur/Furniture: manufacturing_of_textiles_leather_fur_furniture
- Manufacture of Wooden Products/Furniture: manufacture_of_wooden_products_furniture
- Manufacture of Paper/Pulp/Allied Products: manufacture_of_paper_pulp_allied_products
- Manufacture Of Chemicals Medical Petroleum Rubber Plastic Products: manufacture_of_chemicals_medical_petroleum_rubber_plastic_products
- Manufacture Of Pottery China Glass Stone: manufacture_of_pottery_china_glass_stone
- Manufacture Of Iron Steel Non-Ferrous Metals Basic Industries: manufacture_of_iron_steel_non_ferrous_metals_basic_industries
- Manufacture Of Metal Products Electrical And Scientific Engineering: manufacture_of_metal_products_electrical_and_scientific_engineering
- Manufacture Of Jewelry Musical Instruments Toys: manufacture_of_jewelry_musical_instruments_toys
- Electricity, Gas And Water: electricity_gas_and_water
- Construction: construction
- Wholesale Trade: wholesale_trade
- Retail Trade: retail_trade
- Catering Incl. Hotels: catering_incl_hotels
- Transport Storage: transport_storage
- Communications: communications
- Finance And Holding Companies: finance_and_holding_companies
- Insurance: insurance
- Business Services: business_services
- Real Estate Development Investment: real_estate_development_investment
- Central State Governments: central_state_governments
- Community Services Defence Police Prisons Etc: community_services_defence_police_prisons_etc
- Social Services Education Health Care: social_services_education_health_care
- Personal Services - Leisure Services: personal_services_leisure_services
- Personal Services - Domestic Laundry Repairs: personal_services_domestic_laundry_repairs
- Personal Services - Embassies: personal_services_embassies_international_organisations

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to Recipient Country Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in recipient country: salary_non_resident_in_country
Salary paid to a foreign national contract worker in recipient country: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the Central Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a Citizen living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

Please note that due to regulatory reasons senders trying to create ZAR::Bank transactions are required to have the following fields on the sender present as well: street, city and postal_code

Note To accept payments in South Africa the recipient has to sign a mandate form online. The link to the form will be sent over the recipient’s mobile phone number and email address, and have to be filled out online. Once the mandate is signed it is valid for one year and the recipient doesn’t need to do these steps again. When sending funds to the same recipient please make sure their name and bank details are the same, otherwise they might be asked to sign the mandate form again.

Warning ZAR::Bank payouts are currently in beta phase.

CEMAC Region / XAF

XAF::Bank

For bank payments in Central Africa please use:

"details" : {
  "name": "Company name",
  "iban": "CM2110033052090901100045910", // IBAN format: CM21 10033 05209 0901 1000459 10
  "transfer_reason": "personal_account"
}

The current banks supported and their bank_code values are:

# Cameroon
Banque Internationale du Cameroun pour l'Epargne et le Crédit: 10001
Societe Commerciale de Banque - Cameroun: 10002
Société Générale de Banques au Cameroun: 10003
Standard Chartered Bank Cameroon: 10004
Afriland First Bank: 10005
Amity Bank Cameroon Plc.: 10006
Citibank Cameroon SA: 10007
Commercial Bank - Cameroun: 10008
Crédit Foncier du Cameroun: 10019
Société Camerounaise d'Equipement: 10020
Société Camerounaise de Crédit Automobile: 10021
Société Camerounaise de Crédit Bail: 10022
Union Bank of Cameroon Plc.: 10023
National Financial Credit Bank: 10025
Fonds de Garantie des Petites et Moyennes Entreprises: 10026
Société de Recouvrement des Créances du Cameroun: 10027
Société Nationale d'Investissement: 10028
Ecobank Cameroun: 10029
PRO-PME Financement: 10030
Africa Leasing Company: 10031
Société Financière Africaine: 10032
United Bank for Africa - Cameroon: 10033
Banque Atlantique Cameroun: 10034
BGFIBANK Cameroun SA: 10035
Banque Camerounaise des Petites et Moyennes Entreprises: 10036
WAFACASH CENTRAL AFRICA: 10037
CREDIT COMMUNAUTAIRE D'AFRIQUE BANK: 10039
BANGE BANK CAMEROUN: 10040
Crédit du Sahel: 16010
Fonds Provinciale de Refinancement: 16012
Crédit pour l'Agriculture l'Industrie et le Commerce: 30004

# Gabon
RECUEIL CERBER REVISE: 19001
Banque Internationale pour le Commerce et l'Industrie du Gabon: 40001
Union Gabonaise de Banque: 40002
BGFIBANK S.A. Gabon: 40003
Banque Gabonaise de Développement: 40004
Citibank Gabon SA: 40005
Société Gabonaise de Crédit Automobile: 40013
Société Gabonaise de Crédit Bail: 40014
Financiere Transafricaine: 40015
BICI-Bail: 40017
BGFI-Bail: 40018
Societe Nationale d'Investissement du Gabon: 40019
Orabank Gabon: 40021
BGFI-Participations: 40022
Banque de l'Habitat du Gabon: 40023
ECOBANK Gabon: 40024
United Bank for Africa - Gabon: 40025
PosteBank Gabon S.A.: 40026

# Congo
Mutuelle Congolaise d'Epargne et de Crédit - MUCODEC Congo: 30005
BGFIBank Congo: 30008
Crédit du Congo: 30011
LCB-BANK Congo: 30012
Banque Commerciale Internationale - BCI Congo: 30013
ECOBANK Congo: 30014
Banque Congolaise de l'Habitat - BCH: 30015
United Bank for Africa - UBA Congo: 30016
Banque Espirito Santo Congo - BESCO: 30017
Société Générale Congo - SGC: 30018
Banque Postale du Congo - BPC: 30019
Banque Sino-Congolaise pour l'Afrique - BSCA Bank: 30020

# Equatorial Guinea
CCEI Bank Guinée-Equatoriale: 50001
Société Générale de Banques en Guinée Equatoriale - SGBE: 50002
BGFIBANK Guinée Equatoriale: 50004
Banco Nacional de Guinea Ecuatorial: 50005
Ecobank Guinée Equatoriale: 50006

# Chad
ECOBANK Tchad: 60001
Société Générale Tchad - SGT: 60002
Commercial Bank Tchad - CBT: 60003
Banque Commerciale du Chari - BCC Tchad: 60004
Orabank Tchad: 60005
Banque Agricole et Commerciale - BAC Tchad: 60006
Banque Sahélo Saharienne pour l'Investissement et le Commerce - BSIC Tchad: 60007
United Bank for Africa Tchad: 60008
Banque de l'habitat du Tchad - BHT Tchad: 60009

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to Recipient Country Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in recipient country: salary_non_resident_in_country
Salary paid to a foreign national contract worker in recipient country: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the Central Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a Citizen living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

Note XAF::Bank payouts are currently in beta phase.

New Zealand

NZD::Bank

For New Zealand bank payments please use:

"details": {
  "name": "Company name",
  "bank_account": "1212341234567123",
  "bank_name": "ASB Bank"
}

The current banks supported are:

AMP
ANZ Bank
ASB Bank
Bank Of Baroda
Bank Of China (New Zealand) Limited (BOC)
Bank Of India
Bank of New Zealand
China Construction Bank (New Zealand) Limited
China Construction Bank Corporation (CCB)
Citibank
Commonwealth Bank Of Australia
Cooperatieve Rabobank UA
Fonterra Co-Operative Group Limited
Heartland Bank
HSBC
ICBC (New Zealand) Limited
Industrial and Commercial Bank of China
JPMorgan Chase Bank
Kiwibank
Kookmin Bank
MUFG Bank Ltd
NBS (Nelson Building Society)
Rabobank New Zealand Limited
SBS Bank (Southland Building Society)
The Cooperative Bank
TSB Bank
Westpac Banking Corporation
Westpac New Zealand Limited (WNZL)

Warning NZD::Bank payouts are currently in beta phase.

Canada

CAD::Bank

For Canadian bank payments please use:

"details": {
  "name": "Company name",
  "bank_account": "123456789",
  "bank_code": "003",
  "branch_code": "01372" // Branch Transit Number (5 digits)
}

The current banks and their associated bank codes supported are:

Airline Financial Credit Union Limited: 830
Alberta Treasury Branches: 219
All Trans Financial Services Credit Union Limited: 810
Alliance des caisses populaires de l'Ontario Limitée: 890
Alterna Savings and Credit Union: 842
Amex Bank of Canada: 303
Arnstein Community Credit Union Limited: 808
Atlantic Central: 839
B2B Bank: 618
Bank of America National Association: 241
Bank of Canada: 177
Bank of China (Canada): 308
Bank of Montreal: 001
Bank of Tokyo-Mitsubishi UFJ (Canada): 245
Bank West: 342
Barclay's Bank PLC Canada Branch: 360
BNP Paribas (Canada): 250
BofA Canada Bank: 311
Bridgewater Bank: 347
Canadian Imperial Bank of Commerce: 010
Canadian Tire Bank: 338
Canadian Western Bank: 030
Capital One Bank (Canada Branch): 323
Central 1 Credit Union British Columbia: 809
Central 1 Credit Union Ontario: 828
CIBC Trust Corporation: 548
Citibank Canada: 260
Citibank N.A: 328
Citizens Bank of Canada: 309
Comerica Bank: 330
Communication Technologies Credit Union Limited: 807
Community Trust Company: 507
Concentra Financial Services Association: 853
Credit Union Central Alberta Limited: 899
Credit Union Central of Manitoba Limited: 879
Credit Union Central of Saskatchewan: 889
CS Alterna Bank: 608
CTC Bank of Canada: 315
Deutsche Bank AG: 265
DirectCash Bank: 352
Dundalk District Credit Union Limited: 840
Dundee Bank of Canada: 343
Effort Trust Company: 532
Fifth Third Bank: 345
First Commercial Bank: 332
First Nations Bank of Canada: 310
General Bank of Canada: 344
Goderich Community Credit Union Limited: 844
Golden Horseshoe Credit Union Limited: 854
Habib Canadian Bank: 321
HomEquity Bank: 358
Household Trust Company: 630
HSBC Bank Canada: 016
HSBC Bank USA National Association: 333
HSBC Mortgage Corporation (Canada): 604
ICICI Bank Canada: 340
Industrial Alliance Trust Inc: 625
Industrial and Commercial Bank of China (Canada): 307
Investors Group Trust Co. Ltd: 536
J.P. Morgan Bank Canada: 314
Jameson Bank: 354
JPMorgan Chase Bank National Association: 270
Korea Exchange Bank of Canada: 275
La Caisse Centrale Desjardins Du Québec: 815
La Fédération des caisses populaires Acadiennes Limitée: 865
La Fédération des caisses populaires de l'Ontario Inc: 829
La Fédération des caisses populaires du Manitoba Inc: 819
Latvian Credit Union Limited: 803
Laurentian Bank of Canada: 039
Laurentian Trust of Canada Inc: 522
M&T Bank: 357
Manulife Bank of Canada: 540
Manulife Trust Company: 626
Maple Bank: 336
Mega International Commercial Bank (Canada): 269
Meridian Credit Union: 837
Mizuho Corporate Bank Ltd. Canada Branch: 277
motusbank: 374
MonCana Bank of Canada: 361
Montreal Trust Company of Canada: 550
National Bank of Canada: 006
National Trust Company: 590
Ontario Civil Service Credit Union Limited: 846
Pacific & Western Bank of Canada: 334
Peace Hills Trust Company: 568
Peoples Trust Company: 621
Rabobank Nederland: 322
ResMor Trust Company: 620
Royal Bank Mortgage Corporation: 592
Royal Bank of Canada: 003
Royal Bank of Scotland N.V. (Canada) Branch: 240
Royal Trust Company: 570
Royal Trust Corporation of Canada: 580
Scotia Mortgage Corporation: 606
Shinhan Bank Canada: 355
Société Générale (Canada Branch): 292
Société Générale (Canada Branch) Ontario: 346
State Bank of India (Canada) Alberta: 294
State Street: 327
Sumitomo Mitsui Banking Corporation of Canada: 301
Sun Life Financial Trust Inc: 551
Tangerine Bank: 614
TD Mortgage Corporation: 597
TD Pacific Mortgage Corporation: 603
The Bank of New York Mellon: 242
The Bank of Nova Scotia: 002
The Canada Trust Company: 509
The Equitable Trust Company: 623
The Northern Trust Company Canada Branch: 349
The Toronto-Dominion Bank: 004
U.S. Bank National Association: 318
UBS AG Canada Branch: 339
UBS Bank (Canada): 290
United Overseas Bank Limited: 335
Walmart Canada Bank: 359

Warning CAD::Bank payouts are currently in beta phase.

United States

USD::Bank

For United States bank payments please use:

"details": {
  "name": "Company name",
  "bank_account": "1234567890",
  "bank_account_type": "20", // 10 for Savings, 20 for Checking
  "bank_name": "US Bank",
  "routing_number": "091000022", // ABA routing number (9 digits)
  "swift_code": "USBKUS44IMT",
  "country": "US"
}

Warning USD::Bank payouts are currently in beta phase.

Kenya

KES::Bank

For Kenyan bank payments please use:

 "details": {
  "name": "Company name",
  "street": "1 Main Street",
  "city": "Nairobi", // optional
  "bank_code": "68",
  "bank_account": "1234567890",
  "identity_card_type": "ID", // refers to the recipient's ID details; Values: "PP": Passport, "ID": National ID, "DL": Driver's License or "OT": Other
  "identity_card_id": "12345678", // refers to the recipient's ID details
  "transfer_reason": "third_party_person_account",
  "relationship_to_sender": "Aunt" // optional
}

The currently supported banks and their bank codes are:

Absa Bank: 03
African Banking Corporation: 35
Bank of Africa Kenya: 19
Citibank: 16
Co-operative Bank of Kenya: 11
Consolidated Bank of Kenya: 23
Credit Bank Ltd: 25
Diamond Trust Bank: 63
DIB Bank: 75
ECO Bank Kenya: 43
Equity Bank Limited: 68
Family Bank: 70
First Community Bank: 74
Guaranty Trust Bank Kenya: 53
Guardian Bank: 55
Gulf African Bank : 72
Housing Finance Co. Kenya: 61
I&M Bank: 57
Kingdom Bank: 51
Kenya Commercial Bank: 01
KWFT Bank: 78
Mayfair Bank: 65
M-Oriental Commercial Bank Limited: 14
Middle East Bank: 18
National Bank of Kenya: 12
NCBA Bank: 07
Paramount Universal Bank Limited: 50
Prime Bank: 10
Sidian Bank: 66
Stanbic Bank Kenya: 31
Standard Chartered Bank: 02
UBA Kenya Bank Ltd: 76
Victoria Bank Limited: 54

List of available transfer_reasons and their corresponding keys to use:

Sending money into my own account: personal_account
Donations and gifts: donations_and_gifts
Sending money to a friend, family member or any third party person: third_party_person_account
Mortgage repayments: mortgage_repayments
Business Travel Payments: business_travel_payments
Personal Travel Payments: personal_travel_payments
Tuition fees: tuition_fees
Commission and fees for financial services: financial_commission_fees
Proceeds for financial services charged for advice provided: financial_services_proceeds
Investment into property by a foreign individual: individual_property_investments
Investment by a foreign individual - other: other_investments
Investment into property by a foreign corporate entity: corporate_property_investments
Capital payments by immigrants: immigrants_capital_payments
Legal services: legal_services
Accounting services: accounting_services
Management consulting services: consulting_services
Public relation services: public_relation_services
Advertising & market research services: ads_and_market_research_services
Managerial services: managerial_services
Medical and dental services: medical_and_dental_services
Educational services: educational_services
Operational leasing: operational_leasing
Cultural and recreational services: cultural_and_recreational_services
Salary paid to Recipient Country Resident Temporarily Abroad: salary_resident_out_country
Salary paid to a non-resident employee in recipient country: salary_non_resident_in_country
Salary paid to a foreign national contract worker in recipient country: salary_contract_worker_in_country
Payments to social security schemes: social_security_schemes
Payments to charities and religious bodies: charities_and_religious_bodies
Donations and aid to Government: donations_and_aid_to_government
Donations and aid to private sector: donations_and_aid_to_private
Pensions: pensions
Annuities: annuities
Inheritances: inheritances
Alimony: alimony
Tax - Income tax: tax_income
Tax - VAT refunds: tax_vat_refunds
Tax - Other: tax_other
Insurance premiums (non life/short term): non_life_insurance_premiums
Insurance premiums (life): life_insurance_premiums
Dividends: dividends
Branch profits: branch_profits
Commission or brokerage: commision_or_brokerage
Rental: rental
Income earned abroad by a resident on an individual investment: individual_investment_income_from_abroad
Sale of shares: shares_sale
Sale of bonds: bonds_sale
Sale of money market instruments: money_market_instruments_sale
Repatriation of funds out of a foreign bank account: funds_repatriation_of_foreign_bank_account
Sale of mutual funds or collective investment schemes: mutual_funds_sale_or_collective_investment
Sale of overseas property: overseas_property_sale
Sale and repatriation of other investment: sale_and_repatriation_of_other_investment
Repatriation on instruction by the Central Bank: repatriation_south_african_reserve_bank_instruction
Loan made to a resident by a non-resident shareholder: resident_loan_from_non_resident_share_holder
Loan made to a resident by a non-resident third party: resident_loan_from_non_resident_third_party
Repayment by a Citizen living overseas of a loan granted by a resident: resident_loan_repayment_from_overseas_living_south_african
Repayment of a study loan: study_loan_repayment
Repayment of a shareholders loan: shareholders_loan_repayment
Repayment of a third party loan (excluding shareholders): third_party_loan_repayment
Repayment of a trade finance loan: trade_finance_loan_repayment
Proceeds received for research and development services: research_and_development_proceeds
Funding received for research and development: research_and_development_funding
Repairs and maintenance on machinery and equipment: machinary_and_equipment_repairs
Architectural, engineering and other technical services: architectural_engineering_technical_services
Agricultural, mining, waste treatment and depollution services: agrigultural_mining_waste_depollution_services
Proceeds for construction services: construction_services
Payments for telecommunication services: telecommunication_services
Payments for data, news related and news agency fees: data_news_agency_fees
Payments for passenger services - road: road_passenger_services
Payments for passenger services - rail: rail_passenger_services
Payments for passenger services - sea: sea_passenger_services
Payments for passenger services - air: air_passenger_services
Payments for freight services - road: road_freight_services
Payments for freight services - rail: rail_freight_services
Payments for freight services - sea: sea_freight_services
Payments for freight services - air: air_freight_services
Payments for postal and courier services - road: road_postal_and_courier_services
Payments for postal and courier services - rail: rail_postal_and_courier_services
Payments for postal and courier services - sea: sea_postal_and_courier_services
Payments for postal and courier services - air: air_postal_and_courier_services
Investment in listed shares: listed_shares_investment
Investment in non-listed shares: non_listed_shares_investment
Investment into money market instruments: money_market_instruments_investment
Investment into listed bonds: listed_bonds_investment
Investment into non-listed bonds: non_listed_bonds_investment
Rights assigned for licences to reproduce and/or distribute: reproduce_distribute_rights_license
Rights assigned for using patents and inventions (licensing): patents_and_investions_rights_license
Rights assigned for using patterns and designs (including industrial processes): patterns_and_designs_rights
Rights assigned for using copyrights: copyrights_rights
Rights assigned for using franchises and trademarks: franchises_and_trademarks_rights
Disposal of patents and inventions: patents_and_inventions_disposal
Disposal of patterns and designs (including industrial processes): patterns_and_designs_disposal
Disposal of copyrights: copyrights_disposal
Disposal of franchises and trademarks: franchises_and_trademarks_disposal
Sales of original manuscripts, sound recordings and films: sales_of_manuscripts_sound_recordings_films
Receipt of funds relating to the production of motion pictures, radio and television programs and musical recordings: funds_related_to_recording_productions
The outright selling of ownership rights of software: software_ownership_rights_sale
Computer-related services including maintenance, repair and consultancy: computer_services
Commercial sales of customised software and related licenses for use of customers: customised_software_sales
Commercial sales of non-customised software on physical media with periodic licence to use: non_customised_software_on_physical_media_periodic_licence_sale
Commercial sales of non-customised software provided on physical media with right to perpetual (ongoing) use: non_customised_software_on_pyisical_media_perpetual_use_sale
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_periodic_licence_salemade available with periodic license'
Commercial sales of non-customised software provided for downloading or electronically: non_customised_software_for_downloading_electronically_made_single_payment_salemade available with single payment'
Donations to Government for fixed assets: fixed_assets_donations_to_sa_government
Donations to corporate entities - fixed assets: fixed_assets_donations_to_corporate_entities
Disinvestment of property by a resident corporate entity: property_disinvestment_by_corporate_entity_resident
Proceeds for other business services not included elsewhere: other_business_services
Disinvestment by resident institutional investor - Collective Investment Scheme: institutional_investor_disinvestment
Payment for Government Services: government_services

All senders trying to create Kenyan bank payouts need to have the following details present:

  • "identification_type" => "ID" - Values: "PP": Passport, "ID": National ID, 'DL': Driver’s License, "OT": Other
  • "identification_number" => "AB12345678"
  • "source_of_funds" => "Salary"
  • "street" => "Avenue Park"
  • "city" => "Nairobi"
  • "country" => "KE"
  • "birth_date" => "1993-07-23

Please note that the fields above are generally considered optional for senders for other payment corridors. If you wish to use an existing sender who has some of these fields missing you can provide them alongside the id or external_id field in the sender details. For example:

{
  "transaction": {
      "sender": {
        "external_id": "<id of sender>",
        "identification_type": "ID",
        "identification_number": "AB12345678",
        "source_of_funds": "Salary",
        "street" => "Avenue Park",
        "city" => "Nairobi",
        "country" => "KE",
        "birth_date" => "1993-07-23",
        (...)
      },
      (...)
    }
}

Warning KES::Bank payouts are currently in beta phase.


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