Payment purpose codes for VRP Commercial

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 Support.

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.