Why are some payment reasons not available for my destination country?Why are some payment reasons not available for my destination country?Sep 17, 2026Knowledge
InformationDetailsWhen creating a payment, you are required to select or enter a Payment Reason. The options available vary depending on the destination country and currency of your payment. This is reflects regulatory and banking requirements for international transfers.💡 Are you a batch payment user? If you upload payments via a CSV or batch file, there is no dropdown — you will need to type the payment reason manually. Jump to the Batch Payment Users section below for the accepted values. Why are some payment reasons not visible? Default List (most countries)Country-Specific List (6 special destinations) India (INR) — Additional FilteringWhat if my payment reason is not listed?Batch Payment Users Default Reasons (most countries)India (INR) — Accepted Batch ReasonsChina (CNH) — Accepted Batch ReasonsMalaysia (MYR) — Accepted Batch ReasonsUAE — Accepted Batch ReasonsBahrain — Accepted Batch ReasonsKuwait (KWD) — Accepted Batch Reasons Summary Why are some payment reasons not visible?OFX uses two different sets of payment reasons:Default List (most countries)Payment ReasonTrade Settlement For GoodsTrade Settlement For ServicesConsultingSalaryRentFamily MaintenanceEducationTravelOther (reveals a free-text box)Country-Specific List (6 special destinations)For payments to the following six destinations, the dropdown is populated with a country-specific approved list instead of the default list. This is required by local banking and regulatory authorities:CountryCurrencyIndiaINR onlyChinaCNY / CNHMalaysiaMYRUAEAny currencyBahrainAny currencyKuwaitKWDNote: If the country-specific list is unavailable for any reason, the default list will be shown instead.India (INR) — Additional FilteringFor payments to India in INR, two additional filters are applied before the dropdown is displayed:Family Maintenance is always removed — this is a personal/P2P reason and is not valid for business payments to India.If the recipient's bank is HDFC, additional payment reasons are removed, as HDFC does not accept these for incoming international transfers.This is intentional and not a system error.What if my payment reason is not listed?Select "Other" — this reveals a free-text box where you can type a custom description.⚠️ Important: Using vague descriptions such as "Other" or "N/A" may result in payment delays or holds. Provide a clear and specific description.Batch Payment UsersIf you submit payments via a CSV or batch file, there is no dropdown. You must type the acceptable payment reason or the payment reason code manually. The value must exactly match one of the accepted descriptions below.Default Reasons (most countries)Acceptable Reason (please copy exactly)Trade Settlement For GoodsTrade Settlement For ServicesConsultingSalaryRentFamily MaintenanceEducationTravelOtherIndia (INR) — Accepted Batch Reasons⚠️ Family Maintenance is not accepted for INR payments. If your recipient's bank is HDFC, trade-related reasons are also unavailable.Acceptable Reason (please copy exactly)Advertising and public relations-related expensesFees for advisory, technical, academic or specialist assistanceConstruction costs/expensesEducation-related student expensesPayments for exported goodsMutual fund investmentTrade settlement for goods and general goods tradesHotel accommodationInsurance claims paymentInsurance premiumRepayment of loansMedical treatment and expensesBroker, front end, commitment, guarantee and custodian feesPurchase of residential propertyPayment of property rentalRoyalty, trademark, patent and copyright feesInformation service chargesTax paymentTransfer to own accountTravelUtility billsChina (CNH) — Accepted Batch ReasonsAcceptable Reason (please copy exactly)Cross-border capital transferCross-border goods tradeCross-border service transferCross-border individual remittanceOther transfersMalaysia (MYR) — Accepted Batch ReasonsAcceptable Reason (please copy exactly)Advertising and public relations-related expensesFees for advisory, technical, academic or specialist assistanceProduct indemnity insuranceConstruction costs/expensesDelivery fees for goodsEducation-related student expensesPayments for exported goodsFamily maintenanceMutual fund investmentHotel accommodationInsurance claims paymentInsurance premiumRepayment of loansMedical treatment and expensesRepresentative office expensesBroker, front end, commitment, guarantee and custodian feesPurchase of residential propertyProperty rental paymentRoyalty, trademark, patent and copyright feesInformation service chargesInvestment in sharesTax paymentTransfer to own accountTransportation fees for goodsTravelUtility billsUAE — Accepted Batch ReasonsCode (please copy exactly)Acceptable Reason DescriptionACMAgency commissionAESAdvance payment against EOSAFAReceipts or payments from personal residents bank account or deposits abroadAFLReceipts or payments from personal non-resident bank account in the UAEALWAllowancesATSAir transportBONBonusCCPCorporate card paymentCEAEquity for the establishment of new company from residents abroad equity of merger or acquisition of companies abroad from residents and participation to capital increase of related company abroadCELEquity for the establishment of a new company in the UAE from non-residents, equity of merger, or acquisition of companies in the UAE from non-residents participation to capital increase of related companiesCHCCharitable contributionsCINCommercial investmentsCOMCommissionCOPCompensationCRPCredit card paymentsDCPPre-paid reloadable and personalised debit card paymentsDIVDividend payoutsDLAPurchases and sales of foreign debt securities more than a year in the related companiesDLFDebt instruments intragroup loans, deposits foreignDLLPurchases and sales of securities issued by residents more than a year in t related companiesDOEDividends on equity not intragroupDSAPurchases and sales of foreign debt securities less than a year in the related companiesDSFDebt instruments intragroup foreign securitiesDSLPurchases and sales of securities issued by residents less than a year in t related companiesEDUEducational supportEMIEquated monthly instalmentsEOSEnd of serviceFAMFamily supportFDAFinancial derivatives foreignFDLFinancial derivatives in the UAEFIAInvestment fund shares foreignFILInvestment fund shares in the UAEFISFinancial servicesFSAEquity other than investment fund shares in t related companies abroadFSLEquity other than investment fund shares in t related companies in the UAEGDEGoods soldGDIGoods boughtGMSProcessing repair and maintenance services on goodsGOSGovernment goods and services embassies etc.GRIGovernment related income taxes tariffs capital transfers etc.IFSInformation servicesIGDIntragroup dividendsIGTInter group transferIIDIntragroup interest on debtINSInsurance servicesIODIncome on depositsIOLIncome on loansIPCCharges for the use of intellectual property royaltiesIPOIPO subscriptionsIRPInterest rate swap paymentsIRWInterest rate unwind paymentsISHIncome on investment funds shareISLInterest on securities more than a yearISSInterest on securities less than a yearITSComputer servicesLASLeave salaryLDLDebt instruments intragroup loans, deposits in the UAELDSDebt instruments intragroup securities in the UAELEALeasing abroadLELLeasing in the UAELIPLoan interest paymentsLLALoans - Drawings or Repayments on loans extended to non-residents - long termLLLLoans - Drawings or Repayments on foreign loans extended to residents – long termLNCLoan chargesLNDLoan disbursementsMCRMonetary claim reimbursements for medical insurance or auto insurance etc.MWIMobile wallet cash inMWOMobile wallet cash outMWPMobile wallet paymentsOATOwn account transferOTSOther modes of transportOVTOvertimePENPensionPINPersonal investmentsPIPProfits on Islamic productsPMSProfessional and management consulting servicesPORRefunds or Reversals on IPO subscriptionsPOSPOS merchant settlementPPAPurchase of real estate abroad from residentsPPLPurchase of real estate in the UAE from non-residentsPRPProfit rate swap paymentsPRRProfits or rents on real estatePRSPersonal cultural audio visual and recreational servicesPRWProfit rate unwind paymentsRDAReverse debt instruments abroadRDLReverse debt instruments in the UAERDSResearch and development servicesREAReverse equity share abroadRELReverse equity share in the UAERFSRepos on foreign securitiesRLSRepos on securities issued by residentsRNTRent paymentsSAASalary advanceSALSalarySCOConstructionSLALoans - Drawings or Repayments on loans extended to non-residents - short termSLLLoans - Drawings or Repayments on foreign loans extended to residents – short termSTRTravelSTSSea transportSVIStored value card cash-inSVOStored value card cash-outSVPStored value card paymentsTAXTAX PaymentTCPTrade credits and advances payableTCRTrade credits and advances receivableTCSTelecommunication servicesTKTTicketsTOFTransfer of funds between persons Normal and JuridicalTTSTechnical trade-related and other business servicesUFPUnclaimed Funds PlacementUTLUtility bill paymentsXATTAX RefundBahrain — Accepted Batch ReasonsCode (please copy exactly)Acceptable ReasonAFAReceipts or payments from personal residents bank account or deposits abroadAFLReceipts or payments from personal nonresidents bank account in BahrainATSAir transportCEAEquity and Investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroadCELEquity and Investment fund shares for the establishment of new company in Bahrain from non-residents, equity of merger or acquisition of companies in Bahrain from non-residents and participation to capital increase of related companies from non-residentsCHCCharitable Contributions (Charity and Aid)DLAPurchases and sales of foreign debt securities in not related companies- More than a yearDLFDebt Instruments Intragroup loans, deposits foreign (above 10% share)DLLPurchases and sales of securities issued by residents in not related companies- More than a yearDOEDividends on equity not IntragroupDSAPurchases and sales of foreign debt securities in not related companies- Less than a yearDSFDebt instruments Intragroup foreign securitiesDSLPurchases and sales of securities issued by residents in not related companies- Less than a yearFAMFamily Support (Workers’ remittances)FDAFinancial derivatives foreignFDLFinancial derivatives in BahrainFIAInvestment fund shares foreignFILInvestment fund shares in BahrainFISFinancial ServicesFSAEquity other than investment fund shares in not related companies abroadFSLEquity other than investment fund shares in not related companies in BahrainGDEGoods sold (Exports in fob value)GDIGoods bought (Imports in cif value)GMSProcessing repair and maintenance services on goodsGOSGovernment goods and services embassies etcGRIGovernment related income taxes, tariffs, capital transfers, etcIFSInformation servicesIGDDividends intragroupIIDInterest on debt intragroupINSInsurance ServicesIODIncome on depositsIOLIncome on loansIPCCharges for the use of intellectual property royaltiesISHIncome on investment funds sharesISLInterest on securities more than a yearISSInterest on securities less than a yearITSComputer servicesLDLDebt Instruments Intragroup loans, deposits in Bahrain (above 10% share)LDSDebt instruments intragroup securities in BahrainLEALeasing abroadLELLeasing in BahrainLLALoans- Drawings or Repayments on loans extended to nonresidents- Long-termLLLLoans- Drawings or Repayments on foreign loans extended to residents- Long-termOTSOTS Other methods of transport (including Postal and courier services)PIPProfits on Islamic productsPMSProfessional and management consulting servicesPPAPurchase of real estate abroad from residentsPPLPurchase of real estate in Bahrain from non-residentsPRRProfits or rents on real estatePRSPersonal, cultural, audiovisual and recreational servicesRDAReverse debt instruments abroadRDLReverse debt instruments in BahrainRDSResearch and development servicesREAReverse equity share abroadRELReverse equity share in BahrainRFSRepos on foreign securitiesRLSRepos on securities issued by residentsSALSalary (Compensation of employees)SCOConstructionSLALoans- Drawings or Repayments on loans extended to nonresidents- Short-termSLLLoans- Drawings or Repayments on foreign loans extended to residents- Short-termSTRTravelSTSSea TransportTCPTrade credits and advances payableTCRTrade credits and advances receivableTCSTelecommunications servicesTTSTechnical, trade- related and other business servicesKuwait (KWD) — Accepted Batch ReasonsCode (please copy exactly)Acceptable ReasonACCTAccount ManagementADVAAdvance PaymentAIRBAirALLWAllowanceANNIAnnuityBCDMBearer Cheque DomesticBCFGBearer Cheque ForeignBDKDBulk Deposit By Participant BankBENEUnemployment Disability BenefitBEXPBusiness ExpensesBKFEBank Loan FeesBKIPBank Loan Accrued Interest PaymentBKPPBank Loan Principal PaydownBOALBook AllowanceBONUBonus PaymentBRKFBrokerage FeeBWKDBulk Withdrawal By Participant BankCASHCash Management TransferCBLKCard Bulk ClearingCCRDCredit Card PaymentCCSTCash CustodyCDCBCard Payment With Cash BackCDCDNormal Deposit By Participant BankCDDPCard Deferred PaymentCDOCOriginal CreditCFEECancellation FeeCHARCharity PaymentCHTROnus Inter Account TransferCMDTCommodity TransferCOLLCollection PaymentCOMCCommercial PaymentCOMMCommissionCOMTPayment of a committeeCONTContractCORTTrade Settlement PaymentCWCDNormal Withdrawal By Participant BankDCRDDebit Card PaymentDEDUDeductionsDELGGovernment Delegation TransfersDEPTDepositDERIDerivativesDISCDiscountsDIVDDividendDUESDuesECTQRelated Tawarruq CBK Bonds ExecutionEDUCEducationEOFSEnd Of Service PaymentEPDTPublic Debt Tawarruq ExecutionEXTDExchange Traded DerivativesEXWOExcellent WorkFAMLFamily SupportFCOLFee CollectionFCYBForex Currency Buy By Participant BankFCYSForex Currency Sell By Participant BankFEESPayment Of FeesFISUFinancial SupportFIXIFixed IncomeFORMFormFORWForward Foreign ExchangeFREXForeign ExchangeGDDSPurchase Sale Of GoodsGDSVPurchase Sale Of Goods And ServicesGIFTGiftGOVTGovernment PaymentHLRPHousing Loan RepaymentHLSTHome Loan SettlementHLTIHealth InsuranceIBALIncrease BalanceICBDCBK Bonds IssuanceIEMBInternational Embassies TransfersIHRPInstalment Hire Purchase AgreementINMMIntervention Money MarketINPCInsurance Premium CarINPRInsurance Premium RefundINSCPayment Of Insurance ClaimINSMInstallmentINSTGeneral instalment paymentINSUInsurance PremiumINTCIntra Company PaymentINTEInterestINTPIntra Party PaymentINTQIntervention MM IslamicINTXIncome TaxINVSInvestment And SecuritiesIRESInvestment In Real EstateISUKSukuk IssuanceITBDTreasury Bonds IssuanceITBLTreasury Bills IssuanceIVPTInvoice PaymentKEMBKuwaiti Embassies TransfersLEGCLegal CaseLEGELegal ExpenseLEPTLeave EncashmentLIFILife InsuranceLOANPayment of staff loanLOARLoan RepaymentMDCSMedical ServicesMGSCFutures Initial Margin Client Owned Segregated Cash CollateralMP2BMobile P2B PaymentMSVCMultiple Service TypesMTUPMobile Top UpOFMIOfficial MissionOTPTOvertime PaymentPENOPayment Based On Enforcement OrderPENSPension PaymentPERSPerson To Person PaymentPHONTelephone BillPPTIProperty InsurancePRMEPrecious MetalRCBDCBK Bonds RedemptionREBTRebateREFURefundRELGRental Lease GeneralRINPRecurring Installment PaymentROYARoyaltiesRSIGResignationRSUKSukuk RedemptionRTBDTreasury Bonds RedemptionRTBLTreasury Bills RedemptionSADJSalary AdjustmentSALASalary PaymentSAVGSavingsSBSCSecurities Buy Sell Sell Buy BackSCTQRelated Tawarruq CBK Bonds SettlementSCVEPurchase Sale Of ServicesSECUSecuritiesSERVService ChargesSLONSocial LoanSPDTPublic Debt Tawarruq SettlementSPSPSalary Pension Sum PaymentSSBESocial Security BenefitSTMPStampSUBSSubscriptionSUPPSupplier PaymentTAXSTax PaymentTEAMWork TeamsTECOTerminate ContractTENDTenderTFLCTrade Finance Letter Of CreditTFLGTrade Finance Letter Of GuaranteeTICKTravel TicketsTRADCommercialTRCOTraining CourseTREATreasury PaymentTRFDTrust FundUBILUtilitiesSummaryScenarioWhat appears / what to enterMost countries — UIDropdown with default list6 special countries — UIDropdown with country-specific approved listIndia in INR — UIApproved list with filtering appliedUser selects "Other" — UIFree-text box appearsBatch — most countriesType one of the default reason descriptionsBatch — India INR / China / MalaysiaType one of the country-specific descriptions aboveBatch — UAE / Bahrain / KuwaitType the exact description from the tables aboveRelated Articles:Why do I have to provide a payment reason? TitleWhy are some payment reasons not available for my destination country?URL Namekb-4114415622-why-are-some-payment-reasons-not-available-for-my-destination-country