Payment purpose codes for VRP Commercial#

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Values	Definition	Description
`bank_loan_delayed_draw_funding`	Delayed draw funding.	Lender holding funds in reserve for the borrower to use later.
`bank_loan_fees`	Bank loan fees.	Payment for loan admin fees, setup fees, or commitment fees.
`bank_loan_funding_memo`	Bank loan funding memo.	Finalizing the cash movement for a loan contract.
`bank_loan_accrued_interest_payment`	Accrued interest payments.	Paying interest that has built up on a bank loan.
`bank_loan_principal_paydown`	Principal paydowns.	Paying back the main loan amount (not the interest).
`card_bulk_clearing`	Service settling money for a bulk of card transactions.	Batch settlement for a group of card payments.
`card_payment_with_cash_back`	Purchase of Goods/Services with Cash disbursement (Cashback).	Buying something at a store and getting cash back at the register.
`cash_disbursement_cash_settlement`	ATM Cash Withdrawal or Cash Advance.	Getting cash from an ATM or bank teller.
`cash_disbursement_with_surcharging`	ATM Cash Withdrawal/Advance with surcharging.	Getting cash from an ATM where an extra fee was charged.
`card_deferred_payment`	Deferred Payment (e.g., petrol pumps).	Authorizing a card for a temporary amount (like at a gas pump) before the final charge.
`original_credit`	Original Credit (e.g., gaming winnings).	Receiving money to your card (like gambling winnings) without a previous refund.
`quasi_cash`	Purchase of Goods equivalent to cash (e.g., casino chips).	Buying items that act like cash, such as casino chips.
`e_purse_top_up`	E-purse load.	Loading money onto a digital wallet or electronic purse.
`fee_collection`	Fee collection.	Settling transaction fees between two financial parties.
`mobile_top_up`	Mobile top-up.	Loading credit onto a prepaid mobile phone.
`account_management`	Intra-account transfer.	Moving money between two accounts owned by the same person at the same bank.
`cash_management_transfer`	General cash management.	General movement of funds for cash management purposes.
`collection_payment`	Collection (Credit transfer or Direct Debit).	Pulling funds from another account (like a standard bill payment or direct debit).
`cash_disbursement_cash_management`	Cash disbursement.	Paying out cash.
`deposit`	Payment of deposit.	Placing a deposit for a service or purchase.
`intra_company_payment`	Intra-company payment.	Moving money between two companies in the same corporate group.
`intra_party_payment`	Intra-party payment.	Moving money between accounts owned by the same person (private individual).
`liquidity_management`	Liquidity Management (Pooling/Sweeping).	Automatic transfer to clear a balance or pool money into a master account.
`netting`	Netting operation.	Settling the difference between what is owed and what is due, rather than the full amounts.
`bond_forward`	Bond Forward collateral.	Security deposit (cash) for bond trades settling more than 3 days out.
`cross_currency_irs`	Cross Currency IRS Collateral.	Collateral for swapping interest payments in different currencies.
`ccp_cleared_initial_margin`	CCP Initial Margin.	Initial security deposit required to trade via a Central Counterparty Clearing house.
`ccp_cleared_variation_margin`	CCP Variation Margin.	Adjustment payment to cover daily profit/loss changes on CCP trades.
`ccp_cleared_initial_margin_segregated_cash`	CCP Segregated initial margin.	Initial margin held in a separate, safe account for CCP trades.
`credit_default_swap`	Credit default swap collateral.	Collateral related to trading insurance against loan defaults (CDS).
`cross_product`	Cross Product collateral.	Collateral covering a mix of different trade types.
`credit_support`	Credit Support collateral.	Collateral for lending/borrowing or master agreements.
`credit_line`	Credit Line collateral.	Collateral put up to open a line of credit.
`equity_option`	Equity Option collateral.	Collateral for trading stock options.
`equity_swap`	Equity Swap collateral.	Collateral for swapping stock returns for interest rates.
`exotic_option`	Exotic Option collateral.	Collateral for trading complex/non-standard options.
`exchange_traded_derivatives`	Exchange Traded Derivatives collateral.	Collateral for derivatives traded on a public exchange (not private/OTC).
`fixed_income`	Fixed Income collateral.	Collateral related to bond/debt instrument trading.
`forward_broker_owned_cash_collateral`	Forward Agreement collateral (Segregated).	Collateral for forward contracts, held in a locked account (client can't touch it).
`forward_client_owned_cash_collateral`	Forward Agreement collateral (Client Owned).	Collateral for forward contracts, but the client retains ownership/use.
`forward_broker_owned_cash_collateral_segregated`	Forward Agreement collateral (Broker Owned).	Collateral for forwards where the broker holds/owns the funds in a segregated account.
`forward_client_owned_segregated_cash_collateral`	Forward Agreement collateral (Client Available).	Collateral for forwards owned by the client and returned to them for use.
`daily_margin_on_listed_derivatives`	Daily margin on listed derivatives.	Daily payment to cover losses/gains on futures or options.
`mbs_broker_owned_cash_collateral`	MBS Broker Owned Segregated Collateral.	Collateral for Mortgage-Backed Securities, held by the broker.
`mbs_client_owned_cash_collateral`	MBS Client Owned Segregated Collateral.	Collateral for Mortgage-Backed Securities, owned by the client.
`futures_initial_margin`	Initial futures margin (Client).	Initial deposit for futures trading, owned by the client.
`futures_initial_margin_client_owned_segregated_cash_collateral`	Margin Client Owned Segregated Collateral.	Initial futures margin held in a separate safe account, owned by the client.
`client_owned_occ_pledged_collateral`	OCC Pledged Collateral.	Collateral eligible to be pledged to the Options Clearing Corporation.
`otc_option_broker_owned_cash_collateral`	OTC Option Collateral (Segregated).	Collateral for private option trades, held in a locked account.
`otc_option_client_owned_cash_collateral`	OTC Option Collateral (Available).	Collateral for private option trades, available for client use.
`otc_option_broker_owned_segregated_cash_collateral`	Option Broker Owned Segregated Collateral.	Collateral for options held/owned by the broker in a separate account.
`otc_option_client_owned_cash_segregated_cash_collateral`	Option Client Owned Segregated Collateral.	Collateral for options owned by the client in a separate account.
`fx_option`	FX Option collateral.	Collateral for trading options on foreign currency.
`otc_derivatives`	OTC Derivatives collateral.	Collateral for general private (Over-The-Counter) derivative trades.
`repurchase_agreement`	Repurchase agreement collateral.	Cash exchanged as part of a Repo deal (selling securities to buy them back later).
`bilateral_repo_broker_owned_collateral`	Repo Broker Owned Collateral.	Repo collateral held by the broker.
`repo_client_owned_collateral`	Repo Client Owned Collateral.	Repo collateral owned by the client.
`bilateral_repo_broker_owned_segregated_cash_collateral`	Repo Broker Segregated Collateral.	Repo collateral held by the broker in a separate account.
`bilateral_repo_client_owned_segregated_cash_collateral`	Repo Client Segregated Collateral.	Repo collateral owned by the client in a separate account.
`reverse_repurchase_agreement`	Reverse Repo collateral.	Collateral for the other side of a Repo (buying securities to sell back later).
`securities_buy_sell_sell_buy_back`	Securities Buy/Sell Back collateral.	Collateral for a specific type of securities financing transaction.
`single_currency_irs_exotic`	Exotic Single Currency IRS collateral.	Collateral for complex interest rate swaps in one currency.
`single_currency_irs`	Single Currency IRS collateral.	Collateral for standard interest rate swaps in one currency.
`securities_cross_products`	Securities Cross Product collateral.	Collateral covering a mix of security types.
`broker_owned_collateral_short_sale`	Short Sale Broker Collateral.	Collateral held by a broker to cover a short sale (betting against a stock).
`client_owned_collateral_short_sale`	Short Sale Client Collateral.	Collateral owned by the client to cover a short sale.
`short_sell`	Short Sell collateral.	General collateral related to short selling.
`securities_lending_and_borrowing`	Securities Lending/Borrowing collateral.	Cash exchanged when lending or borrowing stocks/bonds.
`secured_loan`	Secured Loan collateral.	Collateral pledged to secure a loan.
`swap_broker_owned_cash_collateral`	Swap Collateral (Segregated).	Collateral for swaps held in a locked account (client cannot use).
`swap_client_owned_cash_collateral`	Swap Collateral (Available).	Collateral for swaps available for client use.
`swaption`	Swaption collateral.	Collateral for an option to enter into a swap.
`swaps_broker_owned_segregated_cash_collateral`	Swap Broker Segregated Collateral.	Swap margin held by the broker in a separate account.
`swaps_client_owned_segregated_cash_collateral`	Swap Client Segregated Collateral.	Swap margin owned by the client in a separate account.
`to_be_announced`	TBA (To Be Announced) collateral.	Collateral for mortgage securities where the specific pool isn't known yet.
`tba_broker_owned_cash_collateral`	TBA Collateral (Segregated).	TBA collateral held in a locked account.
`tba_client_owned_cash_collateral`	TBA Collateral (Available).	TBA collateral available for client use.
`treasury_cross_product`	Treasury Cross Product collateral.	Collateral covering a mix of treasury-related exposures.
`agricultural_transfer`	Agriculture payment.	Payment related to farming or agriculture.
`accounts_receivables_entry`	Accounts Receivable.	Collecting money owed to a business.
`business_expenses`	Business expenses.	Reimbursement or payment of general business costs.
`back_office_conversion_entry`	Back Office Conversion.	Processing a check as an electronic transfer (back office).
`commercial_payment`	Commercial credit/debit.	General business-to-business payment.
`copyright`	Copyright payment.	Paying for the right to use copyrighted material.
`purchase_sale_of_goods`	Goods.	Payment for physical products.
`purchase_sale_of_goods_and_services`	Goods and Services.	Payment for a mix of products and services.
`purchase_sale_of_goods_and_services_with_cash_back`	Goods and Services with Cashback.	Buying items and getting cash back in the same transaction.
`license_fee`	License fee.	Payment for a license (software, professional, etc.).
`mobile_p2b_payment`	Mobile Person-to-Business.	Using a mobile app to pay a business/merchant.
`point_of_purchase_entry`	Point of Purchase Entry.	A check converted to an electronic transfer at the cash register.
`royalties`	Royalties.	Paying royalties (e.g., to an author or musician).
`purchase_sale_of_services`	Services.	Payment for services rendered (consulting, labor, etc.).
`service_charges`	Service charges.	Fees charged by a service provider.
`subscription`	Subscription.	Recurring payment for magazines, Netflix, software, etc.
`supplier_payment`	Supplier payment.	Paying a vendor for supplies.
`trade_commercial`	Trade services.	Payment related to import/export or trade finance.
`charity_payment`	Charity.	Donation to a charitable organization.
`consumer_third_party_consolidated_payment`	Consumer Third Party Consolidation.	Payment to a bill consolidation service or credit counselor.
`mobile_p2p_payment`	Mobile Person-to-Person.	Sending money to a friend via a mobile app using their phone number/alias.
`guaranteed_e_payment`	E-Commerce (Guaranteed).	Online purchase where the bank guarantees the payment.
`e_payment_return`	E-Commerce Return.	Refund for an online purchase.
`non_guaranteed_e_payment`	E-Commerce (Not Guaranteed).	Standard online purchase without bank guarantee.
`e_payment`	ePayment.	General electronic payment.
`car_loan_principal_repayment`	Car Loan Principal.	Paying down the balance of a car loan.
`compensation_payment`	Compensation.	Payment for interest loss or value date adjustments.
`debit_collection_payment`	Debit Transfer Collection.	Collecting funds via debit transfer.
`government_insurance`	Government Insurance.	Paying for government-backed insurance.
`property_loan_repayment`	Property Loan Repayment.	Paying a mortgage or property loan installment.
`property_loan_settlement`	Property Loan Settlement.	Paying off a property loan entirely.
`insurance_premium_car`	Car Insurance Premium.	Paying for car insurance.
`insurance_premium_refund`	Insurance Premium Refund.	Getting money back from an insurance company.
`payment_of_insurance_claim`	Insurance Claim Payment.	Receiving a payout for an insurance claim.
`insurance_premium`	Insurance Premium.	General payment for insurance coverage.
`interest`	Interest.	Payment of interest.
`labor_insurance`	Labor Insurance.	Paying for worker/labor insurance.
`life_insurance`	Life Insurance.	Paying life insurance premiums.
`loan`	Loan Transfer.	Disbursing a loan to a borrower.
`loan_repayment`	Loan Repayment.	Repaying a loan to a lender.
`payment_based_on_enforcement_order`	Enforcement Order.	Court-ordered payment (excluding alimony).
`property_insurance`	Property Insurance.	Paying for home/property insurance.
`rental_lease_general`	Rent/Lease.	General payment for rent or leasing.
`recurring_installment_payment`	Recurring Installment.	Regular repeating payment (like a subscription or plan).
`trust_fund`	Trust Fund.	Payment related to a trust fund.
`forward_foreign_exchange`	FX Forward.	Currency trade settling in the future.
`foreign_exchange_related_netting`	FX Netting.	Moving the net cash difference for a foreign exchange deal.
`administrative_management`	Admin Management.	Payment for administrative services.
`advance_payment`	Advance payment.	Paying for something before receiving it.
`bearer_cheque_domestic`	Domestic Bearer Cheque.	Cashing a domestic check made out to "Bearer" (whoever holds it).
`bearer_cheque_foreign`	Foreign Bearer Cheque.	Cashing a foreign check made out to "Bearer".
`building_maintenance`	Building Maintenance.	Paying for building repairs or upkeep.
`bond_forward_netting`	Bond Forward Netting.	Settling the net cash difference for bond forwards.
`capital_building`	Capital Building.	Savings or investment for general capital growth.
`capital_building_retirement`	Retirement Capital Building.	Savings specifically for retirement.
`credit_card_payment`	Credit Card Payment.	Paying off a credit card balance.
`credit_card_bill`	Credit Card Bill.	Payment of a credit card bill.
`cancellation_fee`	Cancellation Fee.	Fee paid for cancelling a service or contract.
`card_generated_direct_debit`	Card Generated Direct Debit.	A direct debit set up using card details at a point of sale.
`trade_settlement_payment`	Trade Settlement.	Finalizing a financial trade (FX or securities).
`costs`	Costs.	General payment of costs.
`carpark_charges`	Carpark Charges.	Paying for parking.
`debit_card_payment`	Debit Card Payment.	General payment using a debit card.
`printed_order_disbursement`	Disbursement (Printed Order).	Payout from a specific bank/post office money order.
`deliver_against_payment`	Delivery vs Payment (Pre-advise).	Warning that a "securities for cash" swap is coming.
`education`	Education/Tuition.	Paying school or university fees.
`factor_update_related_payment`	Factor Update.	Payment related to factoring (selling invoices for cash).
`financial_aid_in_case_of_natural_disaster`	Disaster Aid.	Financial aid for natural disasters.
`late_payment_of_fees_and_charges`	Late Fees/Charges.	Paying penalty fees (e.g., late credit card payment).
`payment_of_fees`	Fees.	General payment of fees.
`gift`	Gift.	Sending money as a gift (non-commercial).
`government_payment`	Government Payment.	Payment to or from a government department.
`irrevocable_credit_card_payment`	Credit Card Reimbursement.	Getting money back onto a credit card.
`irrevocable_debit_card_payment`	Debit Card Reimbursement.	Getting money back onto a debit card.
`installment_hire_purchase_agreement`	Installment/Hire-Purchase.	Paying off an item in installments (Rent-to-own).
`installment`	Installment.	General installment payment.
`invoice_payment`	Invoice Payment.	Paying a specific invoice.
`multi_currency_cheque_domestic`	Domestic Multi-currency Cheque.	Paying a local check written in a different currency.
`multi_currency_cheque_foreign`	Foreign Multi-currency Cheque.	Paying a foreign check written in a different currency.
`multiple_service_types`	Multiple Services.	Payment covering various different services.
`not_otherwise_specified`	Not Otherwise Specified.	Payment for a service that doesn't fit other codes.
`order_cheque_domestic`	Domestic Order Cheque.	Payment of a standard domestic check.
`order_cheque_foreign`	Foreign Order Cheque.	Payment of a standard foreign check.
`opening_fee`	Opening Fee.	Fee paid to open an account or service.
`other`	Other.	Catch-all for payments that don't fit any other category.
`preauthorized_debit`	Pre-authorized Debit.	Initiating a direct debit agreed upon in advance.
`payment_terms`	Payment Terms.	Payment related to specific terms.
`represented_check_entry`	Re-presented Check.	Trying to cash a check again after it bounced previously.
`receipt_payment`	Receipt.	Payment related to a receipt.
`rebate`	Rebate.	Paying a rebate (returning part of a payment).
`refund`	Refund.	Returning money for a return or error.
`rent`	Rent.	Paying rent for housing or property.
`account_overdraft_repayment`	Overdraft Repayment.	Paying back money owed to the bank for going over balance.
`reimbursement_of_a_previous_erroneous_transaction`	Reimbursement.	Paying someone back for an erroneous transaction.
`bilateral_repo_interest_netting`	Repo Interest Netting.	Settling interest differences on Repurchase Agreements.
`round_robin`	Round Robin.	Cash payment resulting from a specific circular trading strategy.
`reimbursement_received_credit_transfer`	Commercial Reimbursement.	Returning a valid payment for commercial reasons.
`related_request_to_pay`	Request to Pay.	Response to a formal digital request for payment.
`receive_against_payment`	Receive vs Payment (Pre-advise).	Warning that a "cash for securities" swap is coming.
`payment_slip_instruction`	Payment Slip.	Payment made using a standardized bank slip.
`split_payments`	Split Payments.	Separating cash and security movements for a trade.
`study`	Study Costs.	Payment for tuition or study materials.
`tba_pair_off_netting`	TBA Netting.	Settling net cash differences for TBA securities.
`telecommunications_bill`	Telecom Bill.	Paying a phone or internet bill.
`town_council_service_charges`	Town Council Charges.	Paying local municipality fees.
`telephone_initiated_transaction`	Telephone Initiated.	Payment started over a phone call.
`tmpg_claim_payment`	TMPG Claim.	Penalty payment for failing to deliver securities on time (US Treasury market).
`tri_party_repo_interest`	Tri-Party Repo Interest.	Interest payment on a repo deal managed by a third party agent.
`tri_party_repo_netting`	Tri-Party Repo Gain/Loss.	Net cash movement on a third-party managed repo.
`truncated_payment_slip`	Truncated Payment Slip.	Payment where some beneficiary info is hidden/shortened.
`traveller_cheque`	Travellers Cheque.	Buying or paying out a travellers cheque.
`internet_initiated_transaction`	Internet Initiated.	Payment started online (web banking).
`instant_payments`	Instant Payment.	Immediate transfer available to the receiver instantly.
`instant_payments_cancellation`	Instant Payment Return.	Fully returning an instant payment.
`instant_payments_for_donations`	Instant Donation.	Instant payment for charity (sharing payer address).
`instant_payments_in_e_commerce_without_address_data`	Instant E-Commerce (No Address).	Instant online purchase (payer address hidden).
`instant_payments_in_e_commerce_with_address_data`	Instant E-Commerce (Address).	Instant online purchase (payer address shared).
`instant_payments_in_e_commerce`	Instant E-Commerce.	General instant online purchase.
`instant_payments_at_pos`	Instant POS Payment.	Instant payment at a store register (Point of Sale).
`instant_payments_return`	Instant Return (Partial/Full).	Returning part or all of an instant payment.
`instant_payments_unattended_vending_machine_with_2fa`	Vending Machine (2FA).	Payment at a vending machine using 2-factor auth.
`instant_payments_unattended_vending_machine_without_2fa`	Vending Machine (No 2FA).	Payment at a vending machine without 2-factor auth.
`annuity`	Annuity.	Regular annual payment (investment, insurance, etc.).
`custodian_management_fee_inhouse`	Custodian Fee.	Fee paid to the bank holding your assets.
`capital_falling_due_inhouse`	Capital Falling Due.	Payment of capital maturity (e.g., a bond expiring).
`commodity_transfer`	Commodities.	Payment for raw materials (oil, gold, wheat).
`derivatives`	Derivatives.	General payment related to derivative trading.
`dividend`	Dividend.	Payout of company profits to shareholders.
`foreign_exchange`	Foreign Exchange.	General currency exchange transaction.
`hedging`	Hedging.	Transaction made to reduce financial risk.
`investment_and_securities`	Investment.	Buying mutual funds, shares, or products.
`precious_metal`	Precious Metal.	Buying/selling gold, silver, etc.
`savings`	Savings Transfer.	Moving money to a savings or retirement account.
`securities`	Securities.	Buying/selling stocks or bonds.
`securities_purchase_inhouse`	Securities Purchase.	Buying securities where the bank acts as custodian.
`treasury_payment`	Treasury Operations.	General corporate treasury transaction.
`unit_trust_purchase`	Unit Trust.	Buying into a Unit Trust fund.
`futures_netting_payment`	Futures Netting.	Settling net cash for futures trades.
`futures`	Futures.	General cash related to futures trading.
`anesthesia_services`	Anesthesia Services.	Medical bill: Anesthesia.
`convalescent_care_facility`	Convalescence Care.	Medical bill: Recovery facility.
`durable_medical_equipment`	Durable Medical Equipment.	Medical bill: Equipment (wheelchairs, crutches, etc.).
`dental_services`	Dental Services.	Medical bill: Dentist.
`home_health_care`	Home Health Care.	Medical bill: Care provided at home.
`health_insurance`	Health Insurance.	Paying health insurance premiums.
`hospital_care`	Hospital Care.	Medical bill: Hospital stay/services.
`intermediate_care_facility`	Intermediate Care.	Medical bill: Nursing home/intermediate care.
`long_term_care_facility`	Long-term Care.	Medical bill: Long-term care facility.
`medical_aid_fund_contribution`	Medical Aid Contribution.	Contributing to a medical aid fund.
`medical_aid_refund`	Medical Aid Refund.	Refund from a medical aid fund.
`medical_services`	Medical Services.	General medical bill.
`vision_care`	Vision Care.	Medical bill: Optometrist/glasses.
`credit_default_event_payment`	Credit Default Event.	Payment triggered because a borrower defaulted.
`swap_contract_final_payment`	Swap Final Payment.	The last payment to close a swap contract.
`swap_contract_partial_payment`	Swap Partial Payment.	Partial payment on a swap contract.
`swap_contract_reset_payment`	Swap Reset.	Payment adjusting the terms/rates of a swap.
`swap_contract_upfront_payment`	Swap Upfront.	Initial payment to start a swap contract.
`advisory_donation_copyright_services`	Advisory/Donation/Copyright.	Payment for consulting, donations, or IP rights.
`active_employment_policy`	Active Employment Policy.	Government payment related to job creation/support.
`allowance`	Allowances.	Payment of a regular allowance.
`alimony_payment`	Alimony.	Court-ordered spousal support.
`baby_bonus_scheme`	Baby Bonus.	Government incentive for having children.
`child_benefit`	Child Benefit.	Payment to help raise a child.
`unemployment_disability_benefit`	Unemployment/Disability Benefit.	Payment to unemployed or disabled persons.
`bonus_payment`	Bonus.	Performance bonus payment.
`cash_compensation_helplessness_disability`	Cash Compensation.	Gov payment for helplessness/disability (extra social benefit).
`commission`	Commission.	Payment based on sales performance.
`company_social_loan_payment_to_bank`	Social Loan Financing.	Company paying a bank to fund loans for employees.
`guarantee_fund_rights_payment`	Insolvency Compensation.	Paying unemployed staff when a company goes bankrupt.
`austrian_government_employees_category_a`	Austrian Gov Employees A.	Salary for Austrian Gov Category A.
`austrian_government_employees_category_b`	Austrian Gov Employees B.	Salary for Austrian Gov Category B.
`austrian_government_employees_category_c`	Austrian Gov Employees C.	Salary for Austrian Gov Category C.
`austrian_government_employees_category_d`	Austrian Gov Employees D.	Salary for Austrian Gov Category D.
`government_war_legislation_transfer`	War Victim Payment.	Compensation to war victims or disabled soldiers.
`housing_related_contribution`	Housing Contribution.	Employer paying towards an employee's housing (tax benefit).
`payroll`	Payroll.	General payroll payment.
`pension_fund_contribution`	Pension Fund Contribution.	Paying into a pension pot.
`pension_payment`	Pension.	Monthly pension payout.
`price_payment`	Price Payment.	Payment of a specific price.
`rehabilitation_support`	Rehabilitation Benefit.	Payment while someone is in occupational rehab.
`salary_payment`	Salary.	Standard monthly salary.
`salary_pension_sum_payment`	Salary/Pension Split.	Lump sum salary/pension covering multiple months.
`social_security_benefit`	Social Security Benefit.	Government support payment.
`lending_buy_in_netting`	Lending Buy-in.	Cost to buy securities when a trade fails due to a lending issue.
`lending_cash_collateral_free_movement`	Lending Collateral.	Cash collateral moved separately from the loaned shares.
`lending_fees`	Lending Fees.	Fees for securities lending (admin, transaction, etc.).
`lending_equity_marked_to_market_cash_collateral`	Equity Mark-to-Market.	Adjusting collateral based on changes in stock prices.
`lending_fixed_income_marked_to_market_cash_collateral`	Fixed Income Mark-to-Market.	Adjusting collateral based on changes in bond prices.
`lending_unspecified_type_of_marked_to_market_cash_collateral`	General Mark-to-Market.	Adjusting collateral based on market price changes.
`lending_rebate_payments`	Lending Rebate.	Rebate paid in a securities lending deal.
`lending_revenue_payments`	Lending Revenue.	Profit paid by the lending agent to the client.
`lending_claim_payment`	Late Recall Fails.	Penalty paid for failing to return borrowed shares on time.
`estate_tax`	Estate Tax.	Tax on a deceased person's estate.
`foreign_worker_levy`	Foreign Worker Levy.	Tax/fee for hiring foreign workers.
`goods_services_tax`	Goods & Services Tax.	Paying GST.
`housing_tax`	Housing Tax.	Tax on housing/property.
`income_tax`	Income Tax.	Tax on personal or corporate income.
`net_income_tax`	Net Income Tax.	Tax on net income.
`property_tax`	Property Tax.	Tax on property ownership.
`road_tax`	Road Tax.	Tax for vehicle use on roads.
`tax_payment`	Tax.	General tax payment.
`value_added_tax_payment`	Value Added Tax.	Paying VAT.
`with_holding`	Withholding Tax.	Tax deducted at source (e.g., from dividends).
`tax_refund`	Tax Refund.	Refund of overpaid taxes.
`trailer_fee_payment`	12b-1 Fee.	US Mutual Fund marketing/distribution fee.
`trailer_fee_rebate`	12b-1 Rebate.	Refund of a US Mutual Fund fee.
`non_us_mutual_fund_trailer_fee_payment`	Trailer Fee.	Commission paid to a salesperson for keeping a client in a fund (Non-US).
`non_us_mutual_fund_trailer_fee_rebate_payment`	Trailer Rebate.	Refund of a trailer fee (Non-US).
`air`	Air Transport.	Paying for business-related air travel.
`bus`	Bus Transport.	Paying for business-related bus travel.
`ferry`	Ferry Transport.	Paying for business-related ferry travel.
`railway`	Railway Transport.	Paying for business-related train travel.
`road_pricing`	Transport Top-up.	Loading money onto a transport card or road toll pass.
`cable_tv_bill`	Cable TV Bill.	Paying for cable television.
`electricity_bill`	Electricity Bill.	Paying for power/electric.
`energies`	Utility Operation.	General utility payment.
`gas_bill`	Gas Bill.	Paying for natural gas.
`network_charge`	Network Charges.	Paying for network access infrastructure.
`network_communication`	Network Communication.	Paying for internet/comms services.
`other_telecom_related_bill`	Other Telecom Bill.	Telecom bill not covered by other codes.
`telephone_bill`	Telephone Bill.	Paying for landline or mobile service.
`utilities`	Utility Bill.	Common bill for Gas, Water, and Electricity combined.
`water_bill`	Water Bill.	Paying for water supply.
`bonds`	Bond Settlement.	Finalizing a bond trade (Securities Lending).
`corporate_actions_bonds`	Corporate Action (Bonds).	Payment related to an event affecting a bond (e.g., restructuring).
`corporate_actions_equities`	Corporate Action (Equities).	Payment related to an event affecting a stock (e.g., merger).
`credit_card`	Credit Card Settlement.	Bank settling credit card transactions.
`debit_card`	Debit Card Settlement.	Bank settling debit card transactions.
`diners`	Diners Club Settlement.	Bank settling Diners Club transactions.
`equities`	Equities Settlement.	Finalizing a stock trade (Securities Lending).
`fleet_card`	Fleet Card Settlement.	Bank settling fleet (corporate vehicle) card transactions.
`low_value_credit`	Low Value Credit (Utilities).	Small credit adjustment for utilities.
`low_value_debit`	Low Value Debit (Utilities).	Small debit adjustment for utilities.
`money_market`	Money Market Settlement.	Settling short-term borrowing/lending.
`rapid_payment_instruction`	Rapid Payment Settlement.	Finalizing a batch of instant payments.
`gambling_or_wagering_payment`	Gambling.	Payment for betting or collecting winnings.
`lottery_payment`	Lottery.	Buying a lottery ticket or collecting winnings.
`amex`	AMEX Settlement.	Bank settling American Express transactions.
`atm`	ATM Settlement.	Bank settling ATM transactions.
`authenticated_collections`	Authenticated Collections.	Verified collection of funds (Utility).
`property_completion_payment`	Property Purchase Complete.	Final payment to buy a house/property.
`property_deposit`	Property Deposit.	Initial deposit to buy a house/property.
`property_loan_disbursement`	Property Loan Disbursement.	Bank releasing the mortgage funds to the buyer.
`property_loan_refinancing`	Property Refinance.	Moving a mortgage to a new lender (no house sale involved).
`government_family_allowance`	Family Allowance.	Gov payment to support families.
`government_housing_allowance`	Housing Allowance.	Gov payment to help with rent/housing costs.
`cash_penalties`	Cash Penalties (CSDR).	Fines for failing to settle a trade on time (EU Regulation).
`dependent_support_payment`	Dependent Support.	Paying to support a child or dependent (non-gov).
`retail_payment`	Retail Payment.	General shopping/e-commerce purchase.
`charges_borne_by_debtor`	Debtor Charges.	Paying fees owed by the person in debt.

What's next?#

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