# Manage beneficiaries

Use this guide to create, view, edit, and delete beneficiary profiles in the Payments Direct interface. Beneficiaries are the payment recipients selected when you create a payment.

In the API, beneficiaries are represented as [payment identities](/products/payments-direct-2/introduction/concepts/payment-identities) and their associated [financial instruments](/products/payments-direct-2/introduction/concepts/financial-instruments).

## Prerequisites

- You must have access to the Payments Direct UI.
- The destination country and currency must be supported. For a list of supported corridors, see [Payout network](/products/payments-direct-2/introduction/payout-network).


## Add a beneficiary

1. In the left navigation, select **Beneficiaries** > **Add Beneficiary**.
2. Select whether the beneficiary is a **Business** or **Person** (Individual).
3. From the **Destination Country** dropdown, select the country where the beneficiary will receive the payment.
4. Select **Next**.
5. Complete all required fields in the **Identity details** step.
Beneficiary identity details must match the beneficiary's bank records. Mismatches can cause rejections, returns, or recalls. These are sometimes reported as "Invalid account" even when the account format is correct.
  - Enter the legal name exactly as it appears in the beneficiary's bank records.
  - Verify details using a recent bank statement or official bank letter.
  - Use only the character set supported by the corridor. If the corridor does not support special characters, enter the name as it appears in the bank's records without unsupported characters.
6. Select **Next**.
7. Complete all required fields in the **Bank information** step.
A beneficiary can only be associated with one payout method. To pay the same beneficiary in a different currency or over a different rail, create a separate beneficiary profile.
8. Select **Finish**.


The new beneficiary is created and is now available for selection when you create a payment. To confirm, select **Beneficiaries** to view the updated list.

## View beneficiary details

1. In the left navigation, select **Beneficiaries**.
2. Locate and select the beneficiary you want to view.


The beneficiary's identity details and bank information are displayed in a panel on the right.

## Edit a beneficiary

1. In the left navigation, select **Beneficiaries**.
2. Select the beneficiary you want to edit.
3. In the details panel, select the edit icon next to **Identity Details** or **Bank Information**.
4. Make your changes and select **Save**.


Note
Grayed-out fields contain core identity information and cannot be edited. Contact your Ripple representative if you need to change this information.

## Delete a beneficiary

Deleting a beneficiary removes it from your beneficiary list and makes it unavailable for future payments.

1. In the left navigation, select **Beneficiaries**.
2. Select the beneficiary you want to delete.
3. In the details panel, select **...** > **Delete**.
4. In the **Delete Beneficiary** dialog, select **Confirm**.


The beneficiary is removed and will no longer appear when creating a new payment.