# Dbtr For third-party payments, the `Dbtr` object contains information about the debtor (also known as the originator) on behalf of whom you're processing this payment. This object contains information such as their name, contact information, and address. This information is provided using objects nested within the `Dbtr` object. Note When you create an identity, the `Dbtr` object fields you need to include may vary based on the data required for a specific originator country. For more information, see [Get data requirements](/products/payments-direct/api-docs/tutorials/create-an-identity#get-data-requirements). ## Business originator schema See the table below, or download the [business originator Dbtr schema](/assets/dbtr-business.e9ee3576f89032cd190aba300393b62a359262bb08d58be3321be2c87b2b304d.3ea817e8.json). details summary Expand to see the Dbtr object schema for a business originator. ```json { "$ref": "#/components/schemas/dbtr-business", "components": { "schemas": { "dbtr-business": { "schema": "http://json-schema.org/draft-06/schema#", "id": "file://po11#", "description": "Dbtr object schema for a business originator", "type": "object", "additionalProperties": false, "properties": { "Dbtr": { "type": "object", "description": "Party that owes an amount of money to the creditor.", "properties": { "Nm": { "type": "string", "description": "Allows the name of the Debtor to be held as a single value.\n\nRequirements:\n\n• Must include one (1) name string.\n\n• Allowable characters: Alphanumeric and space.\n\n• Names with multiple words must be separated by a space. For example, specify \"Widgets Org\", as `Widgets Org`.\n\n• Provide a truncated name if longer than 140 characters.", "pattern": "^[a-zA-Z0-9 \\t]+$", "minLength": 1, "maxLength": 140 }, "PstlAdr": { "type": "object", "description": "The address of the party who is originating the payment.", "required": [ "Ctry" ], "properties": { "AdrLine": { "description": "Information that locates and identifies the street address for the party, as defined by postal services.", "type": "array", "maxLength": 70 }, "PstCd": { "description": "Information that locates and identifies the postal code for the party, as defined by postal services.", "type": "string", "maxLength": 16 }, "TwnNm": { "description": "Information that locates and identifies the party's city or town name, as defined by postal services.", "type": "string", "maxLength": 35 }, "Ctry": { "type": "string", "pattern": "^[A-Z]{2}$", "description": "Information that locates and identifies the country for the party, as defined by postal services. Use Alpha-2 Code as defined in the [ISO CountryCode ISO 3166-1](https://www.iso.org/obp/ui/#search) list." } } }, "Id": { "type": "object", "description": "Unique and unambiguous way to identify the Debtor.", "properties": { "OrgId": { "type": "object", "description": "Unique and unambiguous way to identify an individual or organization.", "properties": { "Othr": { "type": "array", "description": "An array of objects, each containing unique identification of an organization, as assigned by an institution, using an identification scheme.", "items": { "type": "object", "properties": { "Id": { "description": "Identification assigned by an institution.", "type": "string", "maxLength": 35 }, "SchmeNm": { "type": "object", "description": "Name of the organization identification scheme.", "properties": { "Cd": { "type": "string", "description": "List based on ExternalorganizationIdentification1Code List", "enum": [ "BANK", "CBID", "CHID", "CINC", "COID", "CUST", "DUNS", "EMPL", "GS1G", "SREN", "SRET", "TXID", "USCC" ], "x-enumDescriptions": { "BANK": "Bank Party Identification", "CBID": "Central Bank Identification Number", "CHID": "Clearing Identification Number", "CINC": "Certificate Of Incorporation Number", "COID": "Country Identification Code", "CUST": "Customer Number", "DUNS": "Data Universal Numbering System", "EMPL": "Employer Identification Number", "GS1G": "GS1GLN Identifier", "SREN": "SIREN", "SRET": "SIRET", "TXID": "Tax Identification Number", "USCC": "Unified Social Credit Code" } } } } } } }, "DtAndPlcofIncorprtn": { "type": "object", "description": "Indicates the organization's date and place of incorporation.", "properties": { "CtryofIncorprtn": { "type": "string", "description": "Information that locates and identifies the country, as defined by postal services where the organization was incorporated. Use Alpha-2 Code as defined in the ISO CountryCode ISO 3166-1 list.", "pattern": "^[A-Z]{2}" } } } } } } } } } }, "required": [ "Dbtr" ] } } } } ``` ## Individual originator schema See the table below, or download the [individual originator Dbtr schema](/assets/dbtr-individual.17ebb0d168c6251c35a1cb480ddf72f5670d5be3493c042c8841b5b494f4c925.3ea817e8.json). details summary Expand to see the Dbtr object schema for an individual originator. ```json { "$ref": "#/components/schemas/dbtr-individual", "components": { "schemas": { "dbtr-individual": { "$schema": "http://json-schema.org/draft-07/schema#", "title": "Payment Message Data Requirements", "description": "Dbtr object schema for an individual originator", "type": "object", "properties": { "Dbtr": { "type": "object", "description": "Party that owes an amount of money to the creditor.", "properties": { "CtctDtls": { "type": "object", "description": "Allows the contact information for the Debtor to be held.", "required": [ "MobNb" ], "properties": { "MobNb": { "type": "string", "description": "The originator's phone number including country code", "minLength": 0, "maxLength": 30 } } }, "StrdNm": { "type": "object", "description": "Allows the name of the Debtor to be held in a structured format.", "required": [ "LastNm", "FirstNm" ], "properties": { "LastNm": { "type": "string", "description": "Last name by which the party is known and which is usually used to identify the party.\n\nRequirements:\n\n• Must include one (1) name string.\n\n• If the last name has two or more words, separate them with a space.\n\n• Provide a truncated name if longer than allowable characters.\n\n• Do not use this field to specify the individual's middle name. Example:\n\n• If the party's full name is 'Enrique Miguel Iglesias Preysler,' where 'Iglesias Preysler' is the last name, the `StrdNm.LastNm` value must be 'Iglesias Preysler'.", "minLength": 0, "maxLength": 50, "pattern": "/^[a-zA-Z ]+$/" }, "FirstNm": { "type": "string", "description": "First name by which the party is known and which is usually used to identify the party.\n\nRequirements:\n\n• Must include one (1) name string.\n\n• If the first name has two or more words, separate them with a space.\n\n• Do not use this field to specify the individual's middle name. Use `StrdNm.MidNm` instead.\n\n• Provide a truncated name if longer than allowable characters. Example: If the party's full name is 'Norma-Jean Baker' where 'Norma-Jean' is the first name, the `StrdNm.FirstNm` value must be 'Norma Jean'.", "minLength": 0, "maxLength": 50, "pattern": "/^[a-zA-Z ]+$/" } } }, "Id": { "type": "object", "description": "Unique and unambiguous way to identify the Debtor.", "properties": { "PrvtId": { "type": "object", "description": "Unique and unambiguous identification of a person, for example, passport.", "required": [ "Ntlty" ], "properties": { "Othr": { "type": "object", "description": "An object containing the unique identification of a party, as assigned by an institution, using an identification scheme.", "required": [ "DtOfExpr", "Id" ], "properties": { "DtOfExpr": { "type": "string", "description": "The date of expiration of the supporting documentation.", "minLength": 0, "maxLength": 10, "pattern": "YYYY-MM-DD" }, "Id": { "type": "string", "description": "The originator's ID document number", "minLength": 0, "maxLength": 35 }, "SchmeNm": { "type": "object", "required": [ "Cd" ], "properties": { "Cd": { "type": "string", "description": "The originator ID document type", "minLength": 0, "maxLength": 35, "enum": [ "ARNU", "CUST", "DRLC", "EMPL", "NIDN", "CCPT", "SOS", "TXID" ], "x-enumDescriptions": { "ARNU": "Alien Registration Number", "CUST": "Customer Identification Number", "DRLC": "Drivers License Number", "EMPL": "Employee Identification Number", "NIDN": "National Identity Number", "CCPT": "Passport Number", "SOS": "Social Security Number", "TXID": "Tax Identification Number" } } } } } }, "Ntlty": { "type": "string", "description": "2-letter country code of nationality of the party.", "minLength": 0, "maxLength": 2 }, "DtAndPlcOfBirth": { "type": "object", "description": "Date and place of birth of a person.", "required": [ "BirthDt" ], "properties": { "BirthDt": { "type": "string", "description": "The originator's date of birth in YYYY-MM-DD format", "minLength": 0, "maxLength": 10, "pattern": "YYYY-MM-DD" } } } } } } }, "PstlAdr": { "type": "object", "description": "Allows the address of the Debtor to be held.", "required": [ "AdrLine", "PstCd", "TwnNm", "Ctry" ], "properties": { "AdrLine": { "type": "array", "description": "Information that locates and identifies the street address for the party, as defined by postal services.", "minLength": 0, "maxLength": 50 }, "PstCd": { "type": "string", "description": "Information that locates and identifies the postal code for the party, as defined by postal services.", "minLength": 0, "maxLength": 30 }, "TwnNm": { "type": "string", "description": "Information that locates and identifies the party's city or town name, as defined by postal services.", "minLength": 0, "maxLength": 30 }, "Ctry": { "type": "string", "description": "Information that locates and identifies the country for the party, as defined by postal services. Use Alpha-2 Code as defined in the [ISO CountryCode ISO 3166-1](https://www.iso.org/obp/ui/#search) list.", "minLength": 0, "maxLength": 2 } } } } } }, "required": [ "Dbtr" ] } } } } ```