# VRP Commercial Payment Purpose Codes Source: https://docs.gocardless.com/docs/collect-payments/scheme-guidance/vrp-purpose-codes # Payment purpose codes for VRP Commercial | **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? #### [Billing Request Purpose Codes](/docs/collect-payments/scheme-guidance/billing-request-purpose-codes) Browse purpose codes for Billing Requests and PayTo. #### [ACH and PAD Consent Types](/docs/collect-payments/scheme-guidance/ach-and-pad-consent-types) Learn about consent types for ACH and PAD mandates. #### [Variable Recurring Payments](/docs/collect-payments/recurring-payments/variable-recurring-payments) Use VRP Commercial purpose codes when setting up VRP mandates. #### [Setting Up Mandates](/docs/collect-payments/setting-up-mandates) Create mandates using the Billing Requests API.