Some countries' bank compliance processes require you to specify each payment's purpose:
| Code | Description |
|---|---|
EPFAMT | Family maintenance. |
ISMDCS | Payment for medical care services. |
ISSTDY | Payment of study/tuition costs. |
ISCHAR | Payment for charity reasons. |
EPPROP | Payment of property purchase. |
EPSHAR | Payment of shares. |
EPIVST | Payment of an investment. |
ISUBIL | Payment to common utility provider. |
ISTAXS | Payment of taxes. |
EPTOUR | Tourism. |
EPTKAG | Payment of travel tickets or tourism agencies. |
ISSAVG | Payment to savings/retirement account. |
ISPENS | Pension payment. |
ISPAYR | Payment of payroll. |
ISGDDS | Purchase sale of physical goods. |
ISDGGD | Purchase sale of digital goods. |
ISSUPP | Supplier payment. |
EPREMT | Remittances. |
ISSCVE | Purchase sale of services. |
EPCAPI | Payment of capital contribution. |
EPRENT | Payment of movable property rental. |
ISLOGS | Payment for logistic and/or delivery services. |
EPIVFE | Payment of an investment (interest) owed to a financial entity. |
EPDISP | Disponibilidades. |
EPINSU | Payment of Insurances. |
ISREWD | Rewards. |
ISENTR | Entertainment. |
ISPUBS | Public/government services. |
ISAFFI | Affiliation programs. |
EPBTOB | Business to Business. |
ISRSVC | Purchase sale of recurring services. |
EPLOAN | Foreign or inter-company loans. |
In Payouts API version 2.0, the Flow Type is not sent as a standalone field. Instead, it is inferred by our system based on the purpose code you provide. It is critical to select the correct purpose code to ensure your payout includes all necessary beneficiary and remitter information required by local regulators.
The following logic is applied during inference:
- P2P: Automatically inferred if the purpose is
EPFAMT,EPDISPorEPREMT.- B2B: Automatically inferred if the purpose is
EPBTOB.- B2C: Default flow. All other purpose codes not listed above are processed as B2C.
To improve developer experience and reduce integration errors, Payouts API v3 introduces a dedicated flow_type field. This decoupling allows for more granular control and clearer validation messages.