Purpose Codes | Spare API Docs

UAE domestic and international payment purpose codes for the purpose field on payment requests.

A category code that relates to the type of services or goods that corresponds to the underlying purpose of the payment. The code must conform to the published AANI payment purpose code list.

You send it as purpose on POST /payment-requests. Use a domestic code for a UAE-to-UAE payment and an international code when isInternationalPayment is true. GET /payment-purpose-codes returns the same lists at runtime, filtered by isDomestic and isInternational.

S.No	Code	Description
1	`ACM`	Agency commissions
2	`AES`	Advance payment against eos
3	`AFL`	Receipts or payments from a personal n-resident bank account in the UAE
4	`ALW`	Allowance. Usage Rule: Permitted for both real-time and batch pacs.008.
5	`ATS`	Air transport
6	`BON`	Bonus. Usage Rule: Permitted for both real-time and batch pacs.008.
7	`CCP`	Corporate card payments
8	`CEL`	Equity for the establishment of new company in the UAE from n-residents
9	`CHC`	Charitable contributions
10	`CIN`	Commercial investments
11	`COM`	Commission
12	`COP`	Compensation
13	`CRP`	Credit card payment
14	`DCP`	Debit card payments
15	`DIL`	Debt instruments intragroup loans securities deposits in the UAE
16	`DIV`	Dividend payouts from FI
17	`DLL`	Purchases and sales of securities issued by residents for more than a year
18	`DOE`	Dividends on equity not intra group
19	`DSL`	Purchases and sales of securities issued by residents less than a year
20	`EDU`	Educational support
21	`EMI`	Equated monthly installments
22	`EOS`	End of service / final settlement. Usage Rule: Permitted for batch pacs.008 only.
23	`FAM`	Family support
24	`FDL`	Financial derivatives in the UAE
25	`FIL`	Investment fund shares in the UAE
26	`FIS`	Financial services
27	`FSL`	Equity other than investment fund shares in the UAE
28	`GDE`	Goods sold - exports in fob value
29	`GDI`	Goods bought - imports in cif value
30	`GDS`	Goods bought or sold
31	`GMS`	Processing repair and maintenance services on goods
32	`GOS`	Government goods and services embassies etc
33	`GRI`	Government-related income taxes tariffs capital transfers etc
34	`IFS`	Information services
35	`IGD`	Intra group dividends
36	`IGT`	Inter group transfer
37	`IID`	Intra group interest on debt
38	`INS`	Insurance services
39	`IOD`	Income on deposits
40	`IOL`	Income on loans
41	`IPC`	Charges for the use of intellectual property royalties
42	`IPO`	IPO subscriptions
43	`IPP`	Instant Payments initiated via Aani Overlay Services
44	`IPR`	Instant Payment Return
45	`IRP`	Interest rate swap payments
46	`IRW`	Interest rate unwind payments
47	`ISH`	Income on investment funds shares
48	`ISL`	Interest on securities more than a year
49	`ISS`	Interest on securities less than a year
50	`ITS`	Computer services
51	`LAS`	Leave salary
52	`LDL`	Debt instruments intragroup loans, deposits in the UAE (above 10% share)
53	`LDS`	Debt instruments intragroup securities in the UAE
54	`LEL`	Leasing in the UAE
55	`LIP`	Loan interest payments
56	`LLA`	Loans extended to n-residents - long term
57	`LNC`	Loan charges
58	`LND`	Loan disbursements from FI
59	`MCR`	Monetary claim reimbursements
60	`MWI`	Mobile wallet card cash-in
61	`MWO`	Mobile wallet card cash-out
62	`MWP`	Mobile wallet card payments
63	`OAT`	Own account transfer
64	`OTS`	Other modes of transport
65	`OVT`	Overtime
66	`PEN`	Pension
67	`PIN`	Personal investments
68	`PIP`	Profits on islamic products
69	`PMS`	Professional and management consulting services
70	`POD`	Placement of Deposits
71	`POR`	Refunds/reversals on IPO subscriptions
72	`POS`	Pos merchant settlement
73	`PPL`	Purchase of real estate in the UAE from n-residents
74	`PRP`	Profit rate swap payments
75	`PRR`	Profits or rents on real estate
76	`PRS`	Personal cultural audio visual and recreational services
77	`PRW`	Profit rate unwind payments
78	`RDL`	Reverse debt instruments in the UAE
79	`RDS`	Research and development services
80	`REL`	Reverse equity share in the UAE
81	`RLS`	Repos on securities issued by residents
82	`RNT`	Rent payments
83	`SAA`	Salary advance
84	`SAL`	Salary. Usage guidelines: Permitted for both real-time and batch Pacs.008.
85	`SCO`	Construction
86	`SLA`	Loans extended to n-residents - short term
87	`STR`	Travel
88	`STS`	Sea transport
89	`SVI`	Stored value card cash-in
90	`SVO`	Stored value card cash-out
91	`SVP`	Stored value card payments
92	`TCP`	Trade credits and advances payable
93	`TCR`	Trade credits and advances receivable
94	`TCS`	Telecommunication services
95	`TKT`	Tickets
96	`TOF`	Transfer of funds between persons normal and juridical
97	`TTS`	Technical trade-related and other business services
98	`UFP`	Unclaimed funds placement
99	`UTL`	Utility bill payments

S.No	Code	Description
1	`ACM`	Agency Commissions
2	`AES`	Advance payment against EOS
3	`AFA`	Receipts or payments from personal residents bank account or deposits abroad
4	`AFL`	Receipts or payments from personal non-resident bank account in the UAE
5	`ALW`	Allowance
6	`ATS`	Air transport
7	`BON`	Bonus
8	`CBP`	Cross Border Payments
9	`CCP`	Corporate Card Payments
10	`CEA`	Equity and investment fund shares for establishment of new company from residents abroad
11	`CEL`	Equity and investment fund shares for establishment of new company in UAE from non-residents
12	`CHC`	Charitable Contributions (Charity and Aid)
13	`CIN`	Commercial Investments
14	`COM`	Commission
15	`COP`	Compensation
16	`CRP`	Credit Card Payment
17	`DCP`	Debit Card Payments
18	`DIV`	Dividend Payouts From FI
19	`DLA`	Purchases and sales of foreign debt securities - More than a year
20	`DLF`	Debt instruments intragroup loans, deposits foreign (above 10% share)
21	`DLL`	Purchases and sales of securities issued by residents - More than a year
22	`DOE`	Dividends on equity not intragroup
23	`DSA`	Purchases and sales of foreign debt securities - Less than a year
24	`DSF`	Debt instruments intragroup foreign securities
25	`DSL`	Purchases and sales of securities issued by residents - Less than a year
26	`EDU`	Educational Support
27	`EMI`	Equated Monthly Installments
28	`EOS`	End of service / final settlement. Usage Rule: Permitted for batch pacs.008 only.
29	`FAM`	Family Support (Workers' remittances)
30	`FDA`	Financial derivatives foreign
31	`FDL`	Financial derivatives in the UAE
32	`FIA`	Investment fund shares foreign
33	`FIL`	Investment fund shares in the UAE
34	`FIS`	Financial services
35	`FSA`	Equity other than investment fund shares abroad
36	`FSL`	Equity other than investment fund shares in the UAE
37	`GDE`	Goods sold (Exports in fob value)
38	`GDI`	Goods bought (Imports in cif value)
39	`GMS`	Processing repair and maintenance services on goods
40	`GOS`	Government goods and services embassies etc
41	`GRI`	Government related income taxes, tariffs, capital transfers, etc.
42	`IFS`	Information services
43	`IGD`	Dividends intragroup
44	`IGT`	INTER GROUP TRANSFER
45	`IID`	Interest on debt intragroup
46	`INS`	Insurance services
47	`IOD`	Income on deposits
48	`IOL`	Income on loans
49	`IPC`	Charges for the use of intellectual property royalties
50	`IPO`	IPO Subscriptions
51	`IRP`	INTEREST RATE SWAP PAYMENTS
52	`IRW`	INTERST RATE UNWIND PAYMENTS
53	`ISH`	Income on investment funds shares
54	`ISL`	Interest on securities more than a year
55	`ISS`	Interest on securities less than a year
56	`ITS`	Computer services
57	`LAS`	Leave Salary
58	`LDL`	Debt instruments intragroup loans, deposits in the UAE (above 10% share)
59	`LDS`	Debt instruments intragroup securities in the UAE
60	`LEA`	Leasing abroad
61	`LEL`	Leasing in the UAE
62	`LIP`	Loan Interest Payments
63	`LLA`	Loans - Drawings or Repayments on loans extended to nonresidents - Long-term
64	`LLL`	Loans - Drawings or Repayments on foreign loans extended to residents - Long-term
65	`LNC`	Loan Charges
66	`LND`	Loan Disbursements From FI
67	`MCR`	Monetary Claim Reimbursements
68	`MWI`	MOBILE WALLET CARD CASH-IN
69	`MWO`	MOBILE WALLET CARD CASH-OUT
70	`MWP`	MOBILE WALLET CARD PAYMENTS
71	`OAT`	OWN ACCOUNT TRNSFER
72	`OTS`	Other modes of transport (including Postal and courier services)
73	`OVT`	Overtime
74	`PEN`	Pension
75	`PIN`	Personal Investments
76	`PIP`	Profits on Islamic products
77	`PMS`	Professional and management consulting services
78	`POR`	Refunds/Reversals on IPO subscriptions
79	`POS`	POS Merchant Settlement
80	`PPA`	Purchase of real estate abroad from residents
81	`PPL`	Purchase of real estate in the UAE from non-residents
82	`PRP`	PROFIT RATE SWAP PAYMENTS
83	`PRR`	Profits or rents on real estate
84	`PRS`	Personal, cultural, audiovisual and recreational services
85	`PRW`	PROFIT RATE UNWIND PAYMENTS
86	`RDA`	Reverse debt instruments abroad
87	`RDL`	Reverse debt instruments in the UAE
88	`RDS`	Research and development services
89	`REA`	Reverse equity share abroad
90	`REL`	Reverse equity share in the UAE
91	`RFS`	Repos on foreign securities
92	`RLS`	Repos on securities issued by residents
93	`RNT`	Rent Payments
94	`SAA`	Salary Advance
95	`SAL`	Salary (Compensation of employees)
96	`SCO`	Construction
97	`SLA`	Loans - Drawings or Repayments on loans extended to nonresidents - Short-term
98	`SLL`	Loans - Drawings or Repayments on foreign loans extended to residents - Short-term
99	`STR`	Travel
100	`STS`	Sea transport
101	`SVI`	STORED VALUE CARD CASH-IN
102	`SVO`	STORED VALUE CARD CASH-OUT
103	`SVP`	STORED VALUE CARD PAYMENTS
104	`TAX`	TAX Payment
105	`TCP`	Trade credits and advances payable
106	`TCR`	Trade credits and advances receivable
107	`TCS`	Telecommunication services
108	`TKT`	Tickets
109	`TOF`	Transfer of funds between persons Normal and Juridical
110	`TTS`	Technical, trade-related and other business services
111	`UFP`	Unclaimed Funds Placement
112	`UTL`	Utility Bill Payments
113	`XAT`	TAX Refund

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Payment Purpose Codes API

List purpose codes Spare currently accepts.

Payment Request Deep Dives

Where purpose sits on POST /payment-requests.