Guidance on the use of purpose codes for payouts to India.
These requirements apply to payments routed through Ripple Payments Direct 2.0 to Indian banks.
Trade transactions include all B2B, B2C, and C2B Trade use cases.
- Invoice number is mandatory for the following purpose codes.
Include the invoice number in the payment memo field.- Accepted formats: numeric or alphanumeric
- Maximum length: 50 characters
- Maximum transaction amount: INR 1,500,000 per invoice
- The invoice amount must not be split into multiple payments.
| Purpose Description | Purpose Code |
|---|---|
| Invoice Payment | IVPT |
| Purchase / Sale of Goods | GDDS |
| Purchase / Sale of Services – Web Design or Development | SCWD |
| Purchase / Sale of Services – Software Development | SCSD |
| Legal Services | LESC |
| Accounting Services | ACSC |
| Purchase / Sale of Services | SCVE |
| Maintenance and Repair Services | MRSC |
| Advertising, Market Research, and Public Opinion Polling Services | AMSC |
| Trade Services | TRAD |
| Architectural, Engineering, and Other Technical Services | ENGS |
| Goods for Processing & Manufacturing Services | GSPM |
| Goods and Services by Short-Term Workers | GSST |
| Construction and Installation Services | CISC |
| Payment for Manufactured Goods | MFGD |
| Payment for Machinery and Transport Equipment | MACH |
| Payment for Miscellaneous Manufactured Articles | MMFA |
Processing guidance
- Trade transactions to HDFC Bank up to INR 1,500,000 are not processed automatically.
The bank will contact the beneficiary for remittance details and supporting trade documents.
If the required documents are not submitted within 21 days, the transaction will be rejected without a refund. - Transactions will be held for review if either sender or receiver exceeds compliance limits.
- A Foreign Inward Remittance Certificate (FIRC) may be required if the beneficiary bank requests it.
- The transaction will be held if the sender or receiver exceeds corridor-specific compliance limits.
- Supporting documentation may be required for regulatory review.
- All payouts must include an appropriate purpose code as defined by the Reserve Bank of India (RBI).
- Ripple and its partners automatically apply transaction classification and validation rules during processing.
Best practice
Use accurate, descriptive purpose codes to prevent delays and avoid beneficiary follow-up from Indian partner banks.
For repeated trade invoices, ensure invoice numbers are unique per transaction.