Cross Border Payments

Purpose of Payment Codes

Cross border payments to certain countries require a purpose of payment code be specified for each transfer. Your Astra Integration Specialist will enable your program for specific purpose of payment code(s) for which you are approved.

If required, the purpose of payment code should be included in the routine creation payload (and is case sensitive).

Example POST /v1/routines request payload:

{
  "type": "one-time",
  "name": "XB C2C",
  "amount": 10.11,
  "source_id": "f3d2bf09-c7c8-4e2e-88c5-1cc467d7eb1c",
  "destination_id": "029e490c-992b-41c3-af78-a23b24e99989",
  "destination_user_id": "4da888ec664e41abb84280bd9a2eb900",
  "start_date": "2026-01-01",
  "payment_type": "debit",
  "purpose_of_payment": "ISPAYR"
}

Purpose of Payment CodeDescription
ISACCTAccount management
ISAIRBAir transport related business
ISALLWTransaction is the payment of allowance
ISANNISettlement of annuity
ISBENEUnemployment disability benefit
ISBEXPBusiness expenses
ISBONUBonus payment
ISBUSBBus transport related business
ISCASHCash management transfer
ISCBTVPayment of cable TV bill
ISCCHDGovernment institute issued related to cash compensation, helplessness, and disability
ISCCRDCredit card payment
ISCDBLPayment of credit card bill
ISCHARPayment for charity reasons
ISCOLLCollection payment
ISCOMCCommercial payment
ISCOMMCommission
ISCOMPCompensation relating to interest loss / value date adjustment and can include fees
ISCPYRPayment of copyright
ISDCRDRelated to a debit card payment
ISDEPTPayment of a deposit
ISDIVDPayment of dividend
ISEDUCPayment of study / tuition fees
ISELECPayment of electricity bill
ISENRGEnergies
ISFEESGeneral fees
ISFERBPayment for ferry related business
ISFREXForeign exchange
ISGASBPayment of gas bill
ISGFRPCompensation to unemployed persons during insolvency procedures
ISGOVTGovernment payment
ISHLTIHealth insurance
ISICCPReimbursement of credit card payment
ISIDCPReimbursement of debit card payment
ISINPCPayment of car insurance premium
ISINSCTransaction is related to the payment of an insurance claim
ISINSMInstallment
ISINSUInsurance premium
ISINVSInvestment
ISINTCIntra-company payment
ISINTEInterest
ISINTXIncome tax
ISLBRILabor insurance
ISLICFLicense fee
ISLIFILife insurance
ISLOANLoan
ISMDCSMedical services
ISMP2BMobile P2B payment
ISMP2PMobile P2P payment
ISMTUPMobile top up
ISNOWSNot otherwise specified
ISOTHROther
ISOTLCTransaction is related to a payment of another telecom-related bill
ISPAYRPayroll
ISPEFCContribution to pension fund
ISPENSPension payment
ISPHONPayment of telephone bill
ISPPTIProperty insurance
ISRELGTransaction is for general rental / lease
ISRLWYPayment for railway transport related business
ISROYARoyalties
ISSALASalary payment
ISSAVGPayment to savings / retirement account
ISSECUSecurities
ISSSBESocial security benefit
ISSTDYStudy
ISSUBSSubscription
ISSUPPSupplier payment
ISTAXRRefund of a tax payment or obligation
ISTAXSTax payment
ISTBILTransaction is related to a payment of telecommunications related bill
ISTRADTrade services operation
ISTREATreasury payment
ISTRPTPayment for travel
ISUBILUtility bill payment
ISVATXValue added tax payment
ISWHLDWithholding
ISWTERPayment of water bill