# Nigeria (NGN) Data Requirements

This page lists every data requirement for NGN payments to Nigeria: the beneficiary and
originator identities, the beneficiary financial instrument, and the transaction itself.

Fields shown are those required for this corridor
The identity and financial instrument tables on this page list only the fields `NG_BANK_PAYOUT`
requires, taken from the PII v3 schema. Identities and financial instruments accept further
optional fields. For the complete set, see
[Payment identities](/products/payments-direct-2/introduction/concepts/payment-identities) and
[Financial instruments](/products/payments-direct-2/introduction/concepts/financial-instruments), or use the
[Payload Schema Utility](/products/payments-direct-2/api-docs/integration-resources/payload-schema-utility).

## Beneficiary identity

Create the beneficiary identity before the financial instrument, then reference it when you
create the payment. See [Create and manage identities](/products/payments-direct-2/api-docs/developer-guides/create-and-manage-identities)
for the API workflow.

The required fields depend on whether the beneficiary is a **business** or an **individual**.

### Business beneficiary

Applies to the **B2B**, **B2B2B**, **C2B2B** use cases. Submit a `business` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `businessName` | Required | STRING | Business Legal Name. 1–140 characters. Must match `^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$`. |
| `address.streetAddress` | Required | ARRAY of STRING | Allows the street address of the business to be held. |
| `address.country` | Required | STRING | Exactly 2 characters. Must match `^[A-Z]+$`. |
| `address.city` | Required | STRING | City. 1–140 characters. Must match `^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$`. |
| `phone` | Required | STRING | Phone Number. 8–16 characters. Must match `^\+[1-9]\d+$`. |
| `incorporationCountry` | Required | STRING | Exactly 2 characters. Must match `^[A-Z]+$`. |


### Individual beneficiary

Applies to the **B2B2C**, **B2C**, **C2B2C** use cases. Submit an `individual` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `firstName` | Required | STRING | First name of the individual. 1–140 characters. Must match `^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$`. |
| `lastName` | Required | STRING | Last name of the individual. 1–140 characters. Must match `^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$`. |
| `address.streetAddress` | Required | ARRAY of STRING | Allows the street address of the individual to be held. |
| `address.country` | Required | STRING | Exactly 2 characters. Must match `^[A-Z]+$`. |
| `address.city` | Required | STRING | City. 1–140 characters. Must match `^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$`. |
| `phone` | Required | STRING | Phone Number. 8–16 characters. Must match `^\+[1-9]\d+$`. |


## Beneficiary financial instrument

Set `financialInstrumentType: NG_BANK_PAYOUT` and `currency: NGN`. Provide the following fields in the `ngBankPayout` payment rail object. See [Create and manage financial instruments](/products/payments-direct-2/api-docs/developer-guides/create-and-manage-financial-instruments) for the API workflow.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `bankName` | Required | STRING | The name of the identity's bank. 2–140 characters. Must match `^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$`. |
| `bankCode` | Required | STRING | 1–50 characters. Must match `^([A-Za-z0-9 ._-]+|RPL:[A-Z]{2}:[A-Z0-9]{7,11}(_\d+)?:(BNK|WAL))$`. Use the [Bank Codes](/products/payments-direct-2/api-docs/integration-resources/ripple-bank-codes) lookup and select Nigeria to find the Ripple Bank Code. |
| `accountNumber` | Required | STRING | The identity's account number associated with the Account Identification Scheme. 4–21 characters. Must match `^[a-zA-Z0-9]+$`. |


## Originator identity

Create the originator identity once and reuse it across payments.

The required fields depend on whether the originator is a **business** or an **individual**.

### Business originator

Applies to the **B2B**, **B2B2B**, **B2B2C**, **B2C** use cases. Submit a `business` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `businessName` | Required | STRING | Business Legal Name. 1–140 characters. Must match `^(?![ .,'&\/()-])(?!.*([ .,'&\/()-])\1)[\p{L}\p{N} .,'&\/()-]+(?<![ .,'&\/-])?$`. |
| `address.streetAddress` | Required | ARRAY of STRING | Allows the street address of the business to be held. |
| `address.country` | Required | STRING | Exactly 2 characters. Must match `^[A-Z]+$`. |
| `address.city` | Required | STRING | City. 1–140 characters. Must match `^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$`. |
| `phone` | Required | STRING | Phone Number. 8–16 characters. Must match `^\+[1-9]\d+$`. |


### Individual originator

Applies to the **C2B2B**, **C2B2C** use cases. Submit an `individual` identity.

| Field  | Required | Type | Constraints  |
|  --- | --- | --- | --- |
| `firstName` | Required | STRING | First name of the individual. 1–140 characters. Must match `^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$`. |
| `lastName` | Required | STRING | Last name of the individual. 1–140 characters. Must match `^(?![ .'-])(?!.*([ .'-])\1)[\p{L} .'-]+(?<![ .'-])$`. |
| `address.streetAddress` | Required | ARRAY of STRING | Allows the street address of the individual to be held. |
| `address.country` | Required | STRING | Exactly 2 characters. Must match `^[A-Z]+$`. |
| `address.city` | Required | STRING | City. 1–140 characters. Must match `^(?![ .'-])(?!.*[ .'-]{2})[\p{L} .'-]+(?<![ .'-])$`. |
| `phone` | Required | STRING | Phone Number. 8–16 characters. Must match `^\+[1-9]\d+$`. |


## Transaction data requirements

The beneficiary and originator details come from the identities you create beforehand, and the bank details from the financial instrument. The only field you set on the payment itself for this corridor is below.

| Field | Description | Required | Type | Constraints |
|  --- | --- | --- | --- | --- |
| `purposeCode` | Purpose of payment | Required | ENUM | Up to 5 characters. See [valid values](#purpose-of-payment-codes) below. |


## Purpose of payment codes

Send one of the following in `purposeCode`.

| Code | Description |
|  --- | --- |
| `ACCT` | Account Management |
| `ADCS` | Advisory Donation Copyright Services |
| `ADVA` | Advance Payment |
| `AEMP` | Active Employment Policy |
| `AGRT` | AgriculturalTransfer |
| `AIRB` | Air |
| `ALLW` | Allowance |
| `ALMY` | Alimony Payment |
| `ANNI` | Annuity |
| `ANTS` | Anesthesia Services |
| `AREN` | Accounts Receivables Entry |
| `BBSC` | Baby Bonus Scheme |
| `BCDM` | Bearer Cheque Domestic |
| `BCFG` | Bearer Cheque Foreign |
| `BECH` | Child Benefit |
| `BFWD` | Bond Forward |
| `BKDF` | Bank Loan Delayed Draw Funding |
| `BKFE` | Bank Loan Fees |
| `BKFM` | Bank Loan Funding Memo |
| `BKIP` | Bank Loan Accrued Interest Payment |
| `BKPP` | Bank Loan Principal Paydown |
| `BLDM` | Building Maintenance |
| `BNET` | Bond Forward Netting |
| `BOCE` | Back Office Conversion Entry |
| `BONU` | Bonus Payment |
| `BUSB` | Bus |
| `CAFI` | Custodian Management fee In-house |
| `CASH` | Cash Management Transfer |
| `CBFF` | Capital Building |
| `CBFR` | Capital Building Retirement |
| `CBLK` | Card Bulk Clearing |
| `CBTV` | Cable TV Bill |
| `CCHD` | Cash compensation, Helplessness, Disability |
| `CCIR` | Cross Currency IRS |
| `CCRD` | Credit Card Payment |
| `CDBL` | Credit Card Bill |
| `CDCB` | Card Payment with CashBack |
| `CDCD` | Cash Disbursement Cash Settlement |
| `CDCS` | Cash Disbursement with Surcharging |
| `CDDP` | Card Deferred Payment |
| `CDEP` | Credit default event payment |
| `CDOC` | Original Credit |
| `CDQC` | QuasiCash |
| `CFDI` | Capital falling due In-house |
| `CFEE` | Cancellation Fee |
| `CGDD` | Card Generated Direct Debit |
| `CHAR` | Charity Payment |
| `CLPR` | Car Loan Principal Repayment |
| `CMDT` | Commodity Transfer |
| `COLL` | Collection Payment |
| `COMC` | Commercial Payment |
| `COMM` | Commission |
| `COMP` | Compensation Payment |
| `COMT` | Consumer Third Party Consolidated Payment |
| `CORT` | Trade Settlement Payment |
| `COST` | Costs |
| `CPKC` | Carpark Charges |
| `CRDS` | Credit DefaultSwap |
| `CRPR` | Cross Product |
| `CRSP` | Credit Support |
| `CRTL` | Credit Line |
| `CSDB` | Cash Disbursement Cash Management |
| `CSLP` | Company Social Loan Payment To Bank |
| `CVCF` | Convalescent Care Facility |
| `DBTC` | Debit Collection Payment |
| `DCRD` | Debit Card Payment |
| `DEPT` | Deposit |
| `DERI` | Derivatives |
| `DIVD` | Dividend |
| `DMEQ` | Durable Medicale Equipment |
| `DNTS` | Dental Services |
| `DSMT` | Printed Order Disbursement |
| `DVPM` | Deliver Against Payment |
| `ECPR` | EPayment Return |
| `ECPU` | Non Guaranteed EPayment |
| `EDUC` | Education |
| `ELEC` | Electricity Bill |
| `ENRG` | Energies |
| `EQPT` | Equity Option |
| `EQUS` | Equity Swap |
| `ESTX` | Estate Tax |
| `ETUP` | E-Purse Top Up |
| `EXPT` | Exotic Option |
| `EXTD` | Exchange Traded Derivatives |
| `FACT` | Factor Update related payment |
| `FAMI` | Family Supported Related Payments |
| `FAND` | Financial Aid In Case Of Natural Disaster |
| `FCOL` | Fee Collection |
| `FCPM` | Late Payment of Fees & Charges |
| `FEES` | Payment of Fees |
| `FERB` | Ferry |
| `FIXI` | Fixed Income |
| `FNET` | Futures Netting Payment |
| `FORW` | Forward Foreign Exchange |
| `FREX` | Foreign Exchange |
| `FUTR` | Futures |
| `FWBC` | Forward Broker Owned Cash Collateral |
| `FWCC` | Forward Client Owned Cash Collateral |
| `FWLV` | Foreign Worker Levy |
| `FWSB` | Forward Broker Owned Cash Collateral Segregated |
| `FWSC` | Forward Client Owned Segregated Cash Collateral |
| `FXNT` | Foreign Exchange Related Netting |
| `GASB` | Gas Bill |
| `GDDP` | Purchase or sale of daily provisions |
| `GDDS` | Purchase or sale of goods |
| `GDFR` | Purchase or sale of goods fashion and retail cosmetics |
| `GDSV` | Purchase Sale Of Goods And Services |
| `GELE` | Purchase or sale of goods electronics |
| `GFRP` | Guarantee Fund Rights Payment |
| `GIFT` | Gift |
| `GOVI` | Government Insurance |
| `GOVT` | Government Payment |
| `GSCB` | Purchase Sale Of Goods And Services With CashBack |
| `GSTX` | Goods & Services Tax |
| `GTOY` | Purchase or sale of goods toys |
| `GVEA` | Austrian Government Employees Category A |
| `GVEB` | Austrian Government Employees Category B |
| `GVEC` | Austrian Government Employees Category C |
| `GVED` | Austrian Government Employees Category D |
| `HEDG` | Hedging |
| `HLRP` | Housing Loan Repayment |
| `HLST` | Home Loan Settlement |
| `HLTC` | Home Health Care |
| `HLTI` | Health Insurance |
| `HREC` | Housing Related Contribution |
| `HSPC` | Hospital Care |
| `HSTX` | Housing Tax |
| `ICCP` | Irrevocable Credit Card Payment |
| `ICRF` | Intermediate Care Facility |
| `IDCP` | Irrevocable Debit Card Payment |
| `INPC` | Insurance Premium Car |
| `INPR` | Insurance Premium Refund |
| `INSC` | Payment of Insurance Claim |
| `INSM` | Installment |
| `INSU` | Insurance Premium |
| `INTE` | Interest |
| `INTX` | Income Tax |
| `INVS` | Investment & Securities |
| `IPAY` | Instant Payments |
| `IPCA` | Instant Payments Cancellation |
| `IPDO` | Instant Payments for donations |
| `IPEA` | Instant Payments in E-Commerce without address data |
| `IPEC` | Instant Payments in E-Commerce with address data |
| `IPEW` | Instant Payments in E-Commerce |
| `IPPS` | Instant Payments at POS |
| `IPRT` | Instant Payments return |
| `IPU2` | Instant Payments unattended vending machine with 2FA |
| `IPUW` | Instant Payments unattended vending machine without 2FA |
| `IVPT` | Invoice Payment |
| `LBIN` | Lending Buy-In Netting |
| `LBRI` | Labor Insurance |
| `LCOL` | Lending Cash Collateral Free Movement |
| `LFEE` | Lending Fees |
| `LICF` | License Fee |
| `LIFI` | Life Insurance |
| `LIMA` | Liquidity Management |
| `LMEQ` | Lending Equity marked-to-market cash collateral |
| `LMFI` | Lending Fixed Income marked-to-market cash collateral |
| `LMRK` | Lending unspecified type of marked-to-market cash collateral |
| `LOAN` | Loan |
| `LOAR` | Loan Repayment |
| `LREB` | Lending rebate payments |
| `LREV` | Lending Revenue Payments |
| `LSFL` | Lending Claim Payment |
| `LTCF` | Long Term Care Facility |
| `MAFC` | Medical Aid Fund Contribution |
| `MARF` | Medical Aid Refund |
| `MARG` | Daily margin on listed derivatives |
| `MBSB` | MBS Broker Owned Cash Collateral |
| `MBSC` | MBS Client Owned Cash Collateral |
| `MDCS` | Medical Services |
| `MGCC` | Futures Initial Margin |
| `MGSC` | Futures Initial Margin Client Owned Segregated Cash Collateral |
| `MISC` | Miscellaneous |
| `MP2B` | Mobile P2B Payment |
| `MP2P` | Mobile P2P Payment |
| `MSVC` | Multiple Service Types |
| `MTUP` | Mobile Top Up |
| `NETT` | Netting |
| `NITX` | Net Income Tax |
| `NOWS` | Not Otherwise Specified |
| `NWCH` | Network Charge |
| `NWCM` | Network Communication |
| `OCCC` | Client owned OCC pledged collateral |
| `OCDM` | Order Cheque Domestic |
| `OCFG` | Order Cheque Foreign |
| `OFEE` | Opening Fee |
| `OPBC` | OTC Option Broker owned Cash collateral |
| `OPCC` | OTC Option Client owned Cash collateral |
| `OPSB` | OTC Option Broker Owned Segregated Cash Collateral |
| `OPSC` | OTC Option Client Owned Cash Segregated Cash Collateral |
| `OTCD` | OTC Derivatives |
| `OTHR` | Other |
| `OTLC` | Other Telecom Related Bill |
| `PADD` | Preauthorized debit |
| `PAYR` | Payroll |
| `PEFC` | Pension Fund Contribution |
| `PENO` | Payment Based On Enforcement Order |
| `PENS` | Pension Payment |
| `PHON` | Telephone Bill |
| `POPE` | Point of Purchase Entry |
| `PPTI` | Property Insurance |
| `PRCP` | Price Payment |
| `PRME` | Precious Metal |
| `PTSP` | Payment Terms |
| `PTXP` | Property Tax |
| `RCKE` | Re-presented Check Entry |
| `RCPT` | Receipt Payment |
| `RDTX` | Road Tax |
| `REBT` | Rebate |
| `REFU` | Refund |
| `RELG` | Rental Lease General |
| `REMT` | Remittance |
| `RENT` | Rent |
| `REOD` | Account Overdraft Repayment |
| `REPO` | Repurchase Agreement |
| `RHBS` | Rehabilitation Support |
| `RIMB` | Reimbursement of a previous erroneous transaction |
| `RINP` | Recurring Installment Payment |
| `RLWY` | Railway |
| `ROYA` | Royalties |
| `RPBC` | Bi-lateral repo broker owned collateral |
| `RPCC` | Repo client owned collateral |
| `RPNT` | Bi-lateral repo internet netting |
| `RPSB` | Bi-lateral repo broker owned segregated cash collateral |
| `RPSC` | Bi-lateral Repo client owned segregated cash collateral |
| `RRBN` | Round Robin |
| `RRCT` | ReimbursementReceivedCreditTransfer |
| `RVPM` | Receive Against Payment |
| `RVPO` | Reverse Repurchase Agreement |
| `SALA` | Salary Payment |
| `SAVG` | Savings |
| `SBSC` | Securities Buy Sell Sell Buy Back |
| `SCEX` | Purchase or sale of services exhibition |
| `SCHR` | Purchase or sale of services human resource |
| `SCIE` | Single Currency IRS Exotic |
| `SCIN` | Purchase or sale of services interpretation |
| `SCIR` | Single Currency IRS |
| `SCRP` | Securities Cross Products |
| `SCSD` | Purchase or sale of services software development |
| `SCTS` | Purchase or sale of services translation |
| `SCTX` | Service tax |
| `SCVE` | Purchase Sale Of Services |
| `SCWD` | Purchase or sale of services web design or development |
| `SECU` | Securities |
| `SEPI` | Securities Purchase In-house |
| `SERV` | Service Charges |
| `SHBC` | Broker owned collateral Short Sale |
| `SHCC` | Client owned collateral Short Sale |
| `SHSL` | Short Sell |
| `SLEB` | Securities Lending And Borrowing |
| `SLOA` | SecuredLoan |
| `SLPI` | Payment Slip Instruction |
| `SPLT` | Split payments |
| `SPSP` | SalaryPensionSumPayment |
| `SRAG` | Purchase or sale of services estate agency |
| `SSBE` | Social Security Benefit |
| `STDY` | Study |
| `SUBS` | Subscription |
| `SUPP` | Supplier Payment |
| `SWBC` | Swap Broker owned cash collateral |
| `SWCC` | Swap Client owned cash collateral |
| `SWFP` | Swap contract final payment |
| `SWPP` | Swap contract partial payment |
| `SWPT` | Swaption |
| `SWRS` | Swap contract reset payment |
| `SWSB` | Swaps Broker Owned Segregated Cash Collateral |
| `SWSC` | Swaps Client Owned Segregated Cash Collateral |
| `SWUF` | Swap contract upfront payment |
| `TAXR` | Tax Refund |
| `TAXS` | Tax Payment |
| `TBAN` | TBA pair-off netting |
| `TBAS` | To Be Announced |
| `TBBC` | TBA Broker owned cash collateral |
| `TBCC` | TBA Client owned cash collateral |
| `TBIL` | Telecommunications Bill |
| `TCSC` | Town Council Service Charges |
| `TELI` | Telephone-Initiated Transaction |
| `TLRF` | Non-US mutual fund trailer fee payment |
| `TLRR` | Non-US mutual fund trailer fee rebate payment |
| `TMPG` | TMPG claim payment |
| `TRAD` | Trade Services |
| `TRCP` | Treasury Cross Product |
| `TREA` | Treasury Payment |
| `TRFD` | Trust Fund |
| `TRNC` | Truncated Payment Slip |
| `TRPT` | Road Pricing |
| `TRVC` | Traveller Cheque |
| `UBIL` | Utilities |
| `UNIT` | Unit Trust Purchase |
| `VATX` | Value Added Tax Payment |
| `VIEW` | Vision Care |
| `WEBI` | Internet-Initiated Transaction |
| `WHLD` | With Holding |
| `WTER` | Water Bill |