Reduce sanctions request volumes

Last updated: July 23, 2025

You can reduce the number of sanctions requests by including certain optional fields in your payment or payout requests. We use this information to automatically dismiss alerts and improve processing efficiency.

Note

When including first name, last name, and company name, provide the full legal names without suffixes or abbreviations in the corresponding fields.

If sender.type is set to individual, include the following fields:

sender.first_name
sender.last_name
sender.date_of_birth
sender.country_of_birth
sender.nationality

If sender.type is set to corporate or government, include sender.company_name.

Where possible, include the following fields:

sender.identification.type
sender.identification.number
sender.identification.issuing_country

If destination.account_holder.type is set to individual, include the following fields:

destination.account_holder.first_name
destination.account_holder.last_name
destination.account_holder.date_of_birth
destination.account_holder.country_of_birth

If destination.account_holder.type is set to corporate or government, include destination.account_holder.company_name.


1{
2  "source": {
3    "type": "currency_account",
4    "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
5  },
6  "destination": {
7    "type": "card",
8    "number": "4242424242424242",
9    "expiry_month": 12,
10    "expiry_year": 2024,
11    "account_holder": {
12      "type": "individual",
13      "first_name": "Toby",
14      "last_name": "Arden",
15      "date_of_birth": "1970-01-01",
16      "country_of_birth": "GB"
17    }
18  },
19  "amount": 1000,
20  "currency": "GBP",
21  "instruction": {
22    "funds_transfer_type": "AA"
23  },
24  "processing_channel_id": "pc_hpswyyx23geezflc2ocz3exn4y",
25  "sender": {
26    "type": "individual",
27    "first_name": "Hayley",
28    "last_name": "Jones",
29    "address": {
30      "address_line1": "A House",
31      "address_line2": "A Street",
32      "city": "A City",
33      "zip": "AA12 1AA",
34      "country": "GB"
35    },
36    "reference": "1234567ABCDEFG",
37    "reference_type": "other",
38    "date_of_birth": "1985-05-27",
39    "country_of_birth": "BR",
40    "nationality": "BR",
41    "source_of_funds": "debit",
42    "identification": {
43      "type": "company_registration",
44      "number": "AA123456",
45      "issuing_country": "United Kingdom"
46    }
47  },
48  "segment": {
49    "brand": "Acme Corporation",
50    "business_category": "Inward Payment",
51    "market": "UK"
52  }
53}

If sender.type is set to individual, include the following fields:

sender.first_name
sender.last_name
sender.dob
sender.identification.type
sender.identification.issuing_country
sender.identification.number

If sender.type is set to corporate, include sender.company_name.

If destination.type is set to bank account and account_holder.type is set to individual, include the following fields:

destination.account_holder.first_name
destination.account_holder.last_name
destination.account_holder.date_of_birth
destination.account_holder.country_of_birth

If destination.type is set to bank account and account_holder.type is set to government or corporate, include destination.account_holder.company_name.


1{
2  "source": {
3    "type": "bank_account",
4    "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
5  },
6  "destination": {
7    "type": "bank_account",
8    "id": "src_gsd2agaqd2sernz5tpcfv555nq",
9    "account_holder": {
10      "type": "corporate",
11      "company_name": "The Online Retailer"
12    }
13  },
14  "amount": 1000,
15  "currency": "GBP",
16  "reference": "PO-215-5721",
17  "billing_descriptor": {
18    "reference": "Withdrawal"
19  },
20  "sender": {
21    "type": "individual",
22    "first_name": "Jia",
23    "last_name": "Tsang",
24    "reference": "8285282045818",
25    "dob": "1983-09-07",
26    "identification": {
27      "type": "passport",
28      "number": "AA123456",
29      "issuing_country": "United Kingdom"
30    }
31  },
32  "instruction": {
33    "purpose": "Withdrawal",
34    "scheme": "local",
35    "quote_id": "qte_mbabizu24mvu3mela5njyhpit4"
36  },
37  "processing_channel_id": "pc_hpswyyx23geezflc2ocz3exn4y",
38  "segment": {
39    "brand": "Acme Corporation",
40    "business_category": "Inward Payment",
41    "market": "UK"
42  }
43}

If your payment request has source.type set to ach, we recommend that you include the following fields:

If source.account_holder.type is set to individual, include the following fields:

sender.account_holder.first_name
sender.account_holder.last_name

If source.account_holder.type is set to corporate or government, then include sender.account_holder.company_name.

Where possible, include the following fields:

source.account_holder.date_of_birth
source.account_holder.type
source.account_holder.identification.issuing_country
source.account_holder.identification.number


1{
2  "source": {
3    "type": "token",
4    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
5    "account_holder": {
6      "type": "individual",
7      "first_name": "John",
8      "last_name": "Smith",
9      "date_of_birth": "1983-09-07",
10      "identification": {
11        "type": "company_registration",
12        "number": "AA123456",
13        "issuing_country": "United Kingdom"
14      }
15    },
16    "billing_address": {
17      "address_line1": "123 High St.",
18      "address_line2": "Flat 456",
19      "city": "London",
20      "state": "GB",
21      "zip": "SW1A 1AA",
22      "country": "GB"
23    }
24  },
25  "amount": 6540,
26  "currency": "USD",
27  "payment_type": "Recurring",
28  "reference": "ORD-5023-4E89",
29  "description": "Set of 3 masks",
30  "capture": true,
31  "capture_on": "2019-09-10T10:11:12Z",
32  "customer": {
33    "id": "cus_udst2tfldj6upmye2reztkmm4i",
34    "email": "[email protected]",
35    "name": "John Smith",
36    "phone": {
37      "country_code": "+1",
38      "number": "415 555 2671"
39    }
40  },
41  "billing_descriptor": {
42    "name": "Withdrawal",
43    "city": "London"
44  },
45  "shipping": {
46    "address": {
47      "address_line1": "Checkout.com",
48      "address_line2": "Flat 456",
49      "city": "London",
50      "state": "GB",
51      "zip": "SW1A 1AA",
52      "country": "GB"
53    },
54    "phone": {
55      "country_code": "+1",
56      "number": "415 555 2671"
57    }
58  },
59  "3ds": {
60    "enabled": true,
61    "attempt_n3d": true,
62    "eci": "05",
63    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
64    "xid": "MDAwMDAwMDAwMDAwMDAwMzIyNzY=",
65    "version": "2.0.1"
66  },
67  "previous_payment_id": "pay_fun26akvvjjerahhctaq2uzhu4",
68  "risk": {
69    "enabled": false
70  },
71  "success_url": "https://example.com/payments/success",
72  "failure_url": "https://example.com/payments/fail",
73  "payment_ip": "90.197.169.245",
74  "recipient": {
75    "dob": "1985-05-15",
76    "account_number": "5555554444",
77    "zip": "SW1A",
78    "last_name": "Jones"
79  },
80  "metadata": {
81    "coupon_code": "NY2018",
82    "partner_id": 123989
83  },
84  "segment": {
85    "brand": "Acme Corporation",
86    "business_category": "Inward Payment",
87    "market": "UK"
88  }
89}

If your payment request has payment_type set to UnreferencedRefund, we recommend that you include the following fields:

If destination.account_holder.type is individual, include the following fields:

destination.account_holder.first_name
destination.account_holder.last_name

Where possible, include the following fields:

destination.account_holder.date_of_birth
destination.account_holder.country_of_birth

If destination.account_holder.type is set to government or corporate, include destination.account_holder.company_name


1{
2    "amount": 1000,
3    "currency": "USD",
4    "payment_type": "UnreferencedRefund",
5    "processing_channel_id": "pc_xxx",
6    "reference": "REF-FQSGRB",
7    "source": {
8        "type": "currency_account",
9        "id": "ca_xxx"
10    },
11    "destination": {
12        "type": "card",
13        "number": "4111111111111111",
14        "expiry_month": 12,
15        "expiry_year": 2042,
16        "account_holder": {
17            "type": "individual", 
18            "first_name": "John",
19            "last_name": "Doe",
20            "date_of_birth": "2000-01-01",
21            "country_of_birth": "US",
22            "billing_address": {
23                "address_line1": "123 Test St",
24                "city": "New York",
25                "state": "NY",
26                "zip": "10014",
27                "country": "US"
28            }
29        }
30    }
31}

Reduce sanctions request volumes

Note

Card payout

Sender data

Destination data

Bank payouts

Sender data

Destination data

ACH payins

Unreferenced refunds