# CdtrAcct

Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.

* Is optional
* Type: `object`


With the following properties:

| Property | Type | Required | Description |
|  --- | --- | --- | --- |
| [Ccy](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/currency) | String | Optional | Currency for the Creditor Account. Defined in `#/definitions/currency` |
| [Id](#id) | Object | Required | Nature or use of the Creditor account. |
| [Nm](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/account_name) | String | Optional | Name by which the account is known and which is usually used to identify the Creditor account. Defined in `#/definitions/account_name` |
| [Tp](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/account_type) | Object | Optional | Nature or use of the Creditor account. Defined in `#/definitions/account_type` |


## `Id`

Nature or use of the creditor account.

The full list of [Id](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/account_id) properties is defined in `#/definitions/account_id`. However, the following properties are required for `CdtrAcct.Id`:

| Property | Type | Required | Description |
|  --- | --- | --- | --- |
| `IBAN` | String | Required | Holds the creditor account number in IBAN format.  **Usage Guidelines:**   If you specify `IBAN`, do not specify `Othr.Id` Use this property in conjunction with `CdtrAgt.FinInstnId.BICFI`.  An example IBAN string is "DE89370400440532013000". |
| `Othr.Id` | String | Required | Holds the creditor account number in non-IBAN format.  **Usage Guidelines:**   If you specify `Othr.Id`, do not specify `IBAN`.  Provide information to support the following types of transfers or payouts:  Bank account transfers: Specify non-IBAN bank account number. Card transfers: Specify the card number. Mobile wallet or e-wallet transfers: Specify the mobile or e-wallet number.Cash transfers or other transfers that do not require a payout instrument ID: Specify `NOTREQUIRED`.Bill payments: Specify the bill reference number, or the account number, or the customer reference number.Use this property in conjunction with `CdtrAgt.ClrSysMmbId.MmbId`.An example non-IBAN string is "5320130".  |
| [Othr.SchmeNm.Cd](/products/payments-odl/api-docs/ripplenet/resources/srpo/supporting-info-definitions/external_account_id) | String | Required only if `Othr.Id` is specified. Not applicable otherwise. | Type of account number, list based on a combination of ExternalAccountIdentification1Code and AccountIdentification30Choice ISO 20022 Lists [27-Aug-2021](https://www.iso20022.org/sites/default/files/2021-08/ExternalCodeSets_2Q2021.xlsx).  **Usage Guidelines:**   Do not specify `Othr.SchmeNm.Cd` if you do not specify `Othr.Id`. The value of this property **must** be equal to one of the known values. The list of known values is defined in `#/definitions/external_account_id`. An example value for a bank account transfer is `BBAN`. An example value for a cash payout is `CASH`. |


## JSON schema extract


```json
"CdtrAcct": {
    "type": "object",
    "description": "Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction.",
    "properties": {
        "Nm": {
            "type": "string",
            "description": "Name by which the account is known and which is usually used to identify the Creditor account.",
            "$ref": "#/definitions/account_name"
        },
        "Ccy": {
            "type": "string",
            "description": "Currency for the Creditor Account",
            "$ref": "#/definitions/currency"
        },
        "Id": {
            "type": "object",
            "description": "Identifier for the Creditor account.",
            "$ref": "#/definitions/account_id"
        },
        "Tp": {
            "type": "object",
            "description": "Nature or use of the Creditor account.",
            "$ref": "#/definitions/account_type"
        }
    }
}
```