POBO (Same-name Withdrawal) Application API Field Reference

This document provides the data structure required for linking an external bank account for Payment On Behalf Of (POBO) / Same-name Withdrawal services.

View 1: Functional Grouping (Table-based) - Organized by business category.

View 2: JSON Structure (Payload-based) - Organized by technical hierarchy.

View 1: Functional Grouping (Table-based)

1. General Information

Basic details regarding the destination of the funds.

Field	Type	Description & Constraints
`country`	String	Beneficiary Country. ISO 3166-1 alpha-2 format (e.g., US, GB, HK).
`currency`	String	Currency. ISO 4217 format (e.g., USD, GBP, HKD).

2. Bank Account Details

Details of the beneficiary bank account.
Structure Prefix: bankDetails.

Field	Type	Description & Constraints
`accountName`	String	Account Holder Name. Must match the entity name. Max length: 60 characters.
`accountNumber`	String	Bank Account Number. Max length: 34 characters.
`iban`	String	IBAN (International Bank Account Number). Mandatory for Europe (SEPA zone), UK, and other IBAN-compliant countries.
`bankName`	String	Bank Name. Max length: 100 characters.
`swiftCode`	String	SWIFT / BIC Code. 8 or 11 characters. Mandatory for international wire transfers.
`bankCode`	String	Local Clearing Code. Conditional. See Clearing Code Reference below (e.g., ABA for US, Sort Code for UK).
`bankBranchCode`	String	Branch Code. Conditional. Required for specific countries (e.g., HK, CA, AU) if not embedded in the Bank Code.
`bankAddress`	String	Bank Address. Max length: 255 characters.
`bankCity`	String	Bank City. Max length: 50 characters.
`bankCountry`	String	Bank Country. ISO 3166-1 alpha-2 format.

3. Intermediary Bank (Optional)

Required only if the transfer requires a specific correspondent/intermediary bank.
Structure Prefix: bankDetails.

Field	Type	Description & Constraints
`intermediaryBankName`	String	Intermediary Bank Name. Optional.
`intermediaryBankSwiftCode`	String	Intermediary Bank SWIFT Code. Optional.

View 2: JSON Structure (Payload-based)

This section illustrates the full JSON hierarchy.

Legend:
M = Mandatory
O = Optional
C = Conditional (Depends on Country/Currency)

{
  // --- General Info ---
  "country": "string",                    // [M] ISO 3166-1 alpha-2 (e.g., US)
  "currency": "string",                   // [M] ISO 4217 (e.g., USD)

  // --- Bank Details ---
  "bankDetails": {
      "accountName": "string",            // [M] Max 60 chars
      "accountNumber": "string",          // [M] Max 34 chars
      "iban": "string",                   // [C] Mandatory for IBAN countries (EU, UK, etc.)
      
      "bankName": "string",               // [M] Max 100 chars
      "swiftCode": "string",              // [M] SWIFT/BIC
      
      "bankCode": "string",               // [C] Routing Number / Sort Code / BSB / etc.
      "bankBranchCode": "string",         // [C] Required for HK, AU, etc.
      
      "bankAddress": "string",            // [O] Max 255 chars
      "bankCity": "string",               // [O] Max 50 chars
      "bankCountry": "string",            // [M] ISO 3166-1 alpha-2
      
      // --- Intermediary Bank (Optional) ---
      "intermediaryBankName": "string",       // [O]
      "intermediaryBankSwiftCode": "string"   // [O]
  }
}

Clearing Code Reference (`bankCode` & `bankBranchCode`)

The requirements for bankCode and bankBranchCode vary by region. Please refer to the guide below:

Country	Currency	Requirement for `bankCode`	Requirement for `bankBranchCode`
USA	USD	ABA Routing Number (9 digits).	Not Required.
UK	GBP	Sort Code (6 digits).	Not Required.
Canada	CAD	CC Code (9 digits).	Not Required.
Australia	AUD	BSB Code (6 digits).	Not Required.
Hong Kong	HKD	Bank Code (3 digits).	Branch Code (3 digits).
Singapore	SGD	Bank Code (4 digits).	Branch Code (3 digits).
Japan	JPY	Bank Code (4 digits).	Branch Code (3 digits).
Europe	EUR	Not Required (Use IBAN).	Not Required.

Fiat Withdrawal

POBO (Same-name Withdrawal) Application API Field Reference#

View 1: Functional Grouping (Table-based)#

1. General Information#

2. Bank Account Details#

3. Intermediary Bank (Optional)#

View 2: JSON Structure (Payload-based)#