Payment purpose codes

p ayment p urpose c odes (ppcs), also known as payment reason codes, are standardized identifiers that provide the reason for a crossborder or international payment ppcs enable payers to categorize the payment, whether for goods, services, investments, or other purposes in crossborder payments, ppcs add an additional layer of transparency by ensuring funds are used for legitimate purposes and are considered mandatory or required fields by the central banking authority in certain jurisdictions, i e india, malaysia, and the united arab emirates payment origination all outbound payments where the “to” currency is one of inr (india), myr (malaysia), and aed (united arab emirates) require the use of the payment purpose code field to be populated with the corresponding ppc for the respective currency the following api fields, found in the request payment quote endpoint are associated with payment purpose codes purposecode invoicenumber (only required for payment to india (inr)) invoicedate (only required for payment to india (inr)) india (inr) code description use trade related advertising advertising and public relations related expenses b2b, b2c, p2b, p2p yes advisor fees fees for advisory, technical, academic, or specialist assistance b2b, b2c, p2b, p2p yes construction construction costs/expenses b2b, b2c, p2b, p2p yes education education related student expenses b2b, b2c, p2b, p2p no exports payments for exported goods b2b, b2c, p2b, p2p yes family family maintenance p2p no fund investment mutual fund investment b2b, b2c, p2b, p2p no goods trade settlement for goods and general goods trades b2b, b2c, p2b, p2p yes hotel hotel accommodation b2b, b2c, p2b, p2p no insurance claims insurance claims payment b2b, b2c, p2b, p2p yes insurance premium insurance premium p2b, p2p no loan repayment repayment of loans b2b, b2c, p2b, p2p no medical medical treatment and expenses b2b, b2c, p2b, p2p no other fees broker, front end, commitment, guarantee, and custodian fees b2b, b2c, p2b, p2p yes property purchase purchase of residential property b2b, b2c, p2b, p2p no property rental payment of property rental b2b, b2c, p2b, p2p no royalties royalty, trademark, patent, and copyright fees b2b, b2c, p2b, p2p yes services information service charges b2b, b2c, p2b, p2p yes tax tax payment b2b, b2c, p2b, p2p no transfer transfer to own account b2b, p2b, p2p no travel travel b2b, b2c, p2b, p2p no utilities utility bills b2b, b2c, p2b, p2p no important restrictions (inr only) local inr payments are not supported for the following purpose codes salary, product indemnity insurance, and investment in shares trade related inr payments to a hdfc beneficiary bank and inr payments to any beneficiary bank using the code ‘delivery delivery fees for goods’ are also not supported trade payments compliance for trade related payments, invoice number and invoice date are required maximum 1 5m inr per beneficiary account per day under rda limits charity restrictions (inr only) only the following organizations are supported unicef, prime minister relief fund, international red cross sample code sample response for the /international/v1/quotes endpoint for india containing a payment purpose code request for payment quote for india for ppc { "currency" "inr", "accountnumber" "158560897123", "fromamount" "500", "toamount" "", "beneficiary" { "firstname" "jon", "lastname" "smith", //"companyname" "", "fullname" "jonsmith", //"email" "js\@smith com", "birthdate" "2001 06 18t13 05 09 015z", "address" "1 street", "city" "winfield", "stateprovince" "", "postalcode" "in12345", "countrycode" "in", "entitytype" "individual" }, "beneficiaryfi" { "bankname" "bank in", "bankcountrycode" "in", "bankaddress" "1 avenue", "bankaccounttype" "checking", "routingcodetype1" "sortcode", "routingcodevalue1" "123456789", "routingcodetype2" "aba", "routingcodevalue2" "123456789", "bicswift" "tgclgb99", "iban" "in33bukb20201555555555" }, "priority" true, //"conversionfeebps" 10, //"transactionfeeamount" 10, "purposecode" "exports", "invoicenumber" "12345", "invoicedate" "20250809" "purpose" "srv" } response for request a payment quote api { "id" "ea5a8df9 26ea 4ac7 8f0f b35a00c61234", "accountnumber" "158560897007", "currency" "inr", "beneficiary" { "companyname" "tech importers india pvt ltd", "email" "accounts\@techimporters in", "address" "23 industrial road", "city" "bangalore", "stateprovince" "ka", "postalcode" "560001", "countrycode" "in", "entitytype" "company" }, "beneficiaryfi" { "bankname" "icici bank", "bankcountrycode" "in", "bankaddress" "mg road", "bankaccounttype" "checking", "accountnumber" "123456789012", "routingcodetype1" "ifsc", "routingcodevalue1" "icic0001234" }, "fromamount" 1500000, "toamount" 123966750, "transactionfee" 100, "conversionrate" 82 6445, "estimateddeliverydate" "2025 09 17", "expiresat" "2025 09 16t08 05 27 1354807 04 00", "status" "created", "priority" false, "paymentnetwork" "regular", "purpose" "export of goods", "purposecode" "exports", "invoicenumber" "inv 20250825 001", "invoicedate" "2025 08 25t06 00 00 04 00" } malaysia (myr) code description advertising advertising payment advisor fees advisor fees payment business insurance business insurance payment construction construction payment delivery delivery payment education education payment exports exports payment family family payment fund investment fund investment payment hotel hotel payment insurance claims insurance claims payment insurance premium insurance premium payment loan repayment loan repayment medical medical payment office office payment other fees other fees payment property purchase property purchase payment property rental property rental payment royalties royalties payment services services payment share investment share investment payment tax tax payment transfer transfer payment transportation transportation payment travel travel payment utilities utilities payment united arab emirates (ued) code description acm agency commission aes advance payment against eos afa receipts or payments from personal residents bank account or deposits abroad afl receipts or payments from personal non resident bank account in the uae alw allowances ats air transport bon bonus ccp corporate card payment cea equity and investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroad cel equity and investment fund shares for the establishment of new company in the uae from non residents, equity of merger or acquisition of companies in the uae from non residents and participation to capital increase of related companies from non residents in the uae chc charitable contributions cin commercial investments com commission cop compensation crp credit card payments dcp pre paid reloadable & personalized debit card payments div dividend payouts dla purchases and sales of foreign debt securities in not related companies – more than a year dlf debt instruments intragroup loans, deposits foreign dll purchases and sales of securities issued by residents in not related companies – more than a year doe dividends on equity not intra group dsa purchases and sales of foreign debt securities in not related companies – less than a year dsf debt instruments intragroup foreign securities dsl purchases and sales of securities issued by residents in not related companies – less than a year edu educational support emi equated monthly instalments eos end of service fam family support fda financial derivatives foreign fdl financial derivatives in the uae fia investment fund shares foreign fil investment fund shares in the uae fis financial services fsa equity other than investment fund shares in not related companies abroad fsl equity other than investment fund shares in not related companies in the uae gde goods sold gdi goods bought gms processing repair and maintenance services on goods gos government goods and services embassies etc gri government related income taxes tariffs capital transfers etc ifs information services igd intra group dividends igt inter group transfer iid intra group interest on debt ins insurance services iod income on deposits iol income on loans ipc charges for the use of intellectual property royalties ipo ipo subscriptions irp interest rate swap payments irw interest rate unwind payments ish income on investment funds share isl interest on securities more than a year iss interest on securities less than a year its computer services las leave salary ldl debt instruments intragroup loans, deposits in the uae lds debt instruments intragroup securities in the uae lea leasing abroad lel leasing in the uae lip loan interest payments lla loans – drawings or repayments on loans extended to nonresidents – long term lll loans – drawings or repayments on foreign loans extended to residents – long term lnc loan charges lnd loan disbursements mcr monetary claim reimbursements medical insurance or auto insurance etc mwi mobile wallet cash in mwo mobile wallet cash out mwp mobile wallet payments oat own account transfer ots other modes of transport ovt overtime pen pension pin personal investments pip profits on islamic products pms professional and management consulting services por refunds or reversals on ipo subscriptions pos pos merchant settlement ppa purchase of real estate abroad from residents ppl purchase of real estate in the uae from non residents prp profit rate swap payments prr profits or rents on real estate prs personal cultural audio visual and recreational services prw profit rate unwind payments rds research and development services rfs repos on foreign securities rls repos on securities issued by residents rnt rent payments saa salary advance sal salary sco construction sla loans – drawings or repayments on loans extended to nonresidents – short term sll loans – drawings or repayments on foreign loans extended to residents – short term str travel sts sea transport svi stored value card cash in svo stored value card cash out svp stored value card payments tcp trade credits and advances payable tcr trade credits and advances receivable tcs telecommunication services tkt tickets tof transfer of funds between persons normal and juridical tts technical trade related and other business services utl utility bill payments