# Beneficiary information

The following sections provide country-specific beneficiary information you must specify when you add a beneficiary to a batch payment file.

* [Australia](#australia)
* [China](#china)
* [South Korea](#south-korea)


## Australia

1. The state/territory code of the beneficiary's postal address.
| Australia state name | Australia state/territory code |
|  --- | --- |
| Australia Capital | `ACT` |
| New South Wales | `NSW` |
| Northern Territory | `NT` |
| Queensland | `QLD` |
| South Australia | `SA` |
| Tasmania | `TAS` |
| Victoria | `VIC` |
| West Australia | `WA` |


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2. The name and postal code for the beneficiary's city, town, or suburb.
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To get full information about the beneficiary's postal address, refer to the [Australia Post post office index](https://auspost.com.au/locate/post-office).

## China

When you're sending a payment to an individual beneficiary in China, consider the following when you create a payment:

- If your beneficiary is a **Chinese national**, make sure you enter `NIDN` (National Identity Number) in the `Beneficiary ID Document Type` field and then the government ID number in the `Beneficiary ID Document Number` field. The government ID number must be in alphanumeric characters only.
- If your beneficiary is a **foreign national** in China, make sure you enter `CCPT` (Passport Number) in the `Beneficiary ID Document Type` field and then the passport number in the `Beneficiary ID Document Number` field.


## South Korea

Depending on whether your beneficiary is an individual or a business, consider the following:

### Customer identity verification process

For certain use cases described in the following sections, Ripple's payout partner will send an SMS to the beneficiary's South Korean mobile number. The SMS is part of the payout partner's customer identity verification process. The SMS includes the sender's name, the transaction amount, and a link which the beneficiary must access to complete the customer identity verification process and receive the payment. The link expires after 72 hours.

### Individual beneficiaries

1. If the **individual** beneficiary meets one of the following conditions, Ripple's payout partner will perform the customer identity verification process as described under [Customer identity verification process](#customer-identity-verification-process):
  - Has never received a payment to a South Korean bank account from Ripple's payout partner before, or
  - Is going to receive a payment into a bank account different from the one previously registered
2. If the payment to the **individual** beneficiary is equal to or less than KRW 6,000,000 and you use one of the following **purpose of payment** codes, the beneficiary has to undergo the identity verification process as described under [Customer identity verification process](#customer-identity-verification-process).
| Purpose code | Description |
|  --- | --- |
| `ACSC` | Accounting services |
| `AMSC` | Advertising, market research, and public opinion polling services |
| `ALLW` | Allowance |
| `GIFT` | Allowance (Gift) |
| `ENGS` | Architectural, engineering, and other technical services |
| `BONU` | Bonus payment |
| `COMM` | Commission |
| `CISC` | Construction and installation services |
| `DEPT` | Deposit |
| `GSST` | Goods and services by short-term workers |
| `GSTR` | Goods and services by travelers |
| `INTE` | Interest |
| `LESC` | Legal Services |
| `MRSC` | Maintenance and repair services |
| `MDCS` | Medical services |
| `OTHR` | Others |
| `PSFR` | Passenger fare |
| `PAYR` | Payroll |
| `REAB` | Real estate abroad |
| `RELG` | Rental lease general |
| `SALA` | Salary payment |
| `VIAC` | Visa application charges |
If you're trying to use a purpose code from the list above for a payment higher than KRW 6,000,000 to an individual beneficiary, Ripple's payout partner will reject the payment.
3. If the payment to the **individual** beneficiary is equal to or less than KRW 500,000,000 and you specify one of the following **purpose of payment** codes, there will be no customer identity verification process.
| Purpose code | Description |
|  --- | --- |
| `GDDS` | Purchase sale of goods |
| `GDSV` | Purchase sale of goods and services |
| `SCVE` | Purchase sale of services |
| `SUPP` | Supplier payment |
| `FEES` | Payment of fees |
| `IVPT` | Invoice payment |
| `TRAD` | Trade services |
| `MRSC` | Maintenance and repair services |


### Business beneficiaries

1. If the payment to the **business** beneficiary is equal to or less than KRW 6,000,000 and you use one of the following **purpose of payment** codes, the beneficiary has to undergo the identity verification process as described under [Customer identity verification process](#customer-identity-verification-process).
| Purpose code | Description |
|  --- | --- |
| `ACSC` | Accounting services |
| `AMSC` | Advertising, market research, and public opinion polling services |
| `GIFT` | Allowance |
| `ENGS` | Architectural, engineering, and other technical services |
| `CISC` | Construction and installation services |
| `DEPT` | Deposit |
| `DOFI` | Deposits with or from offshore financial institutions |
| `INTE` | Interest |
| `INTC` | Intra company payment |
| `INVS` | Investment and securities |
| `LESC` | Legal Services |
| `MRSC` | Maintenance and repair services |
| `OTHR` | Others |
| `MACH` | Payment for machinery, non-customized packaged software and transport equipment |
| `MFGD` | Payment for manufactured goods |
| `MMFA` | Payment for miscellaneous manufactured articles |
| `PAYR` | Payroll |
| `REAB` | Real estate abroad |
| `RELG` | Rental lease general |
| `SALA` | Salary payment |
| `TLLT` | Term loans (long-term) |
| `TLST` | Term loans (short-term) |
If you're trying to use a purpose code from the list above for a payment higher than KRW 6,000,000 to a business beneficiary, Ripple's payout partner will reject the payment.
2. If the payment to the **business** beneficiary is equal to or less than KRW 500,000,000 and you use one of the following **purpose of payment** codes, there will be no customer identity verification process.
| Purpose code | Description |
|  --- | --- |
| `GSPM` | Goods for processing and manufacturing services |
| `GDDS` | Purchase sale of goods |
| `GDSV` | Purchase sale of goods and services |
| `SCVE` | Purchase sale of services |
| `SUPP` | Supplier payment |
| `FEES` | Payment of fees |
| `IVPT` | Invoice payment |
| `TRAD` | Trade services |
| `MRSC` | Maintenance and repair services |
If you don't use a purpose code from the list above for a payment between KRW 6,000,000 and KRW 500,000,000 to a business beneficiary, Ripple's payout partner will fail the payment.