Overview
When initiating cross‑border payments, the central bank of the destination country may require a Purpose of Payment code to be included with the transaction for it to be accepted and processed. Valid Purpose of Payment codes are listed below for each country where they are required.
Please note the following:
- Purpose of Payment codes are defined from the perspective of the payer, not the beneficiary.
- Unless otherwise stated, Purpose of Payment codes apply to both corporate and individual payers.
Countries requiring payment purpose codes
The following countries require payment purpose codes to be submitted with the transaction:
- Bahrain (Swift payments in all currencies)
- China (Swift CNH payments only)
- India (local INR payments to India only)
- Malaysia (local MYR payments to Malaysia only)
- United Arab Emirates (Swift payments in all currencies)
- Kuwait (Swift KWD payments to Kuwait only)
See below a list of purpose of payment codes and their corresponding descriptions for each of these countries.
Bahrain
| Code | Description |
|---|---|
| GDE | Goods sold (Exports in fob value) |
| GDI | Goods bought (Imports in cif value) |
| STS | Sea Transport |
| ATS | Air transport |
| OTS | OTS Other methods of transport (including Postal and courier services) |
| STR | Travel |
| GMS | Processing repair and maintenance services on goods |
| SCO | Construction |
| INS | Insurance Services |
| FIS | Financial Services |
| IPC | Charges for the use of intellectual property royalties |
| TCS | Telecommunications services |
| ITS | Computer services |
| IFS | Information services |
| RDS | Research and development services |
| PMS | Professional and management consulting services |
| TTS | Technical, trade- related and other business services |
| PRS | Personal, cultural, audiovisual and recreational services |
| IGD | Dividends intragroup |
| IID | Interest on debt intragroup |
| PIP | Profits on Islamic products |
| PRR | Profits or rents on real estate |
| DOE | Dividends on equity not Intragroup |
| ISH | Income on investment funds shares |
| ISL | Interest on securities more than a year |
| ISS | Interest on securities less than a year |
| IOL | Income on loans |
| IOD | Income on deposits |
| GOS | Government goods and services embassies etc |
| GRI | Government related income taxes, tariffs, capital transfers, etc |
| CHC | Charitable Contributions (Charity and Aid) |
| FAM | Family Support (Workers’ remittances) |
| SAL | Salary (Compensation of employees) |
| PPA | Purchase of real estate abroad from residents |
| PPL | Purchase of real estate in Bahrain from non-residents |
| CEA | Equity and Investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroad |
| DSF | Debt instruments Intragroup foreign securities |
| REL | Reverse equity share in Bahrain |
| RDL | Reverse debt instruments in Bahrain |
| FSA | Equity other than investment fund shares in not related companies abroad |
| FIA | Investment fund shares foreign |
| DSA | Purchases and sales of foreign debt securities in not related companies- Less than a year |
| DLA | Purchases and sales of foreign debt securities in not related companies- More than a year |
| FDA | Financial derivatives foreign |
| DLF | Debt Instruments Intragroup loans, deposits foreign (above 10% share) |
| AFA | Receipts or payments from personal residents bank account or deposits abroad |
| SLA | Loans- Drawings or Repayments on loans extended to nonresidents- Short-term |
| LLA | Loans- Drawings or Repayments on loans extended to nonresidents- Long-term |
| LEA | Leasing abroad |
| RFS | Repos on foreign securities |
| TCR | Trade credits and advances receivable |
| CEL | Equity and Investment fund shares for the establishment of new company in Bahrain from non-residents, equity of merger or acquisition of companies in Bahrain from non-residents and participation to capital increase of related companies from non-residents in Bahrain |
| LDS | Debt instruments intragroup securities in Bahrain |
| REA | Reverse equity share abroad |
| RDA | Reverse debt instruments abroad |
| FSL | Equity other than investment fund shares in not related companies in Bahrain |
| FIL | Investment fund shares in Bahrain |
| DSL | Purchases and sales of securities issued by residents in not related companies- Less than a year |
| DLL | Purchases and sales of securities issued by residents in not related companies- More than a year |
| FDL | Financial derivatives in Bahrain |
| LDL | Debt Instruments Intragroup loans, deposits in Bahrain (above 10% share) |
| AFL | Receipts or payments from personal nonresidents bank account in Bahrain |
| SLL | Loans- Drawings or Repayments on foreign loans extended to residents- Short-term |
| LLL | Loans- Drawings or Repayments on foreign loans extended to residents- Long-term |
| LEL | Leasing in Bahrain |
| RLS | Repos on securities issued by residents |
| TCP | Trade credits and advances payable |
China
| Code | Description |
|---|---|
| CTF | Cross-border capital transfer |
| GOD | Cross-border goods trade |
| STR | Cross-border service transfer |
| RMT | Cross-border individual remittance |
| OTF | Other transfers |
India
| Code | Description | Use | Trade-related | Notes | |||
|---|---|---|---|---|---|---|---|
| B2B | B2C | P2B | P2P | ||||
| advertising | Advertising and public relations-related expenses | ✓ | ✓ | ✓ | ✓ | Yes | |
| advisor_fees | Fees for advisory, technical, academic or specialist assistance | ✓ | ✓ | ✓ | ✓ | Yes | |
| construction | Construction costs/expenses | ✓ | ✓ | ✓ | ✓ | Yes | |
| education | Education-related student expenses | ✓ | ✓ | ✓ | ✓ | No | 'Education' should be used exclusively for payments where the beneficiary is an educational institution. |
| exports | Payments for exported goods | ✓ | ✓ | ✓ | ✓ | Yes | |
| family | Family maintenance | ☓ | ☓ | ☓ | ✓ | No | |
| fund_investment | Mutual fund investment | ✓ | ✓ | ✓ | ✓ | No | |
| goods | Trade settlement for goods and general goods trades | ✓ | ✓ | ✓ | ✓ | Yes | |
| hotel | Hotel accommodation | ✓ | ✓ | ✓ | ✓ | No | |
| insurance_claims | Insurance claims payment | ✓ | ✓ | ✓ | ✓ | Yes | |
| insurance_premium | Insurance premium | ☓ | ☓ | ✓ | ✓ | No | |
| loan_repayment | Repayment of loans | ✓ | ✓ | ✓ | ✓ | No | |
| medical | Medical treatment and expenses | ✓ | ✓ | ✓ | ✓ | No | |
| other_fees | Broker, front end, commitment, guarantee and custodian fees | ✓ | ✓ | ✓ | ✓ | Yes | |
| property_purchase | Purchase of residential property | ✓ | ✓ | ✓ | ✓ | No | |
| property_rental | Payment of Property Rental | ✓ | ✓ | ✓ | ✓ | No | |
| royalties | Royalty, trademark, patent and copyright fees | ✓ | ✓ | ✓ | ✓ | Yes | |
| services | Information service charges | ✓ | ✓ | ✓ | ✓ | Yes | |
| tax | Tax payment | ✓ | ✓ | ✓ | ✓ | No | |
| transfer | Transfer to own account | ✓ | ☓ | ✓ | ✓ | No | |
| travel | Travel | ✓ | ✓ | ✓ | ✓ | No | |
| utilities | Utility bills | ✓ | ✓ | ✓ | ✓ | No | |
Due to circumstances outside our control with one of our banking providers, we’re no longer able to support local INR payments to any beneficiary bank using the below purpose codes:
- Salary
- Product indemnity insurance
- Investment in Shares
We are also temporarily unable to support local INR payments in the two cases below from the 5th of March, 2024:
- Trade-related local INR payments to a HDFC beneficiary bank using any of our supported purpose codes above.
- Local INR payments to any beneficiary bank using the purpose code ‘delivery - delivery fees for goods’.
Any payments made that meet the above criteria will be rejected.
We apologize for any inconvenience this may cause you and your customers. We are in communication with our banking partner and are doing everything possible to limit disruption and find an alternative solution.
If you have any questions or concerns, please get in touch with your Account Manager.
Trade-related INR payments:
For any trade-related payments (marked as trade in the table above) we require you to submit invoice details (invoice number and invoice date). You can do so via the ‘invoice_number’ and ‘invoice_date’ fields in our Create Payment API and Currencycloud Direct.
When sending trade payments it’s important that you comply with the regulations on Rupee Drawing Arrangement (RDA) transactions. The Reserve Bank of India guidelines state that trade related transactions have a limit of 15 lakh (1.5M INR) to a beneficiary bank account per day. The purpose codes can be used to track these transactions and monitor the usage limits on our banking provider’s system.
Trade payments must not be divided into multiple same-day transactions for the same beneficiary to avoid or circumvent the INR 1,500,000 per beneficiary per day limit. Payment instructions must state the true transaction amount and be processed as one single entry.
Kuwait
| Code | Description |
|---|---|
| PERS | Transaction is a payment between two accounts where the party is a natural person (identified by a private ID, not organization ID). |
| BKIP | Accrued interest payments. Specific to bank loans. |
| BKPP | Principal paydowns. Specific to bank loans |
| BKFE | Bank loan fees. Cash activity related to specific bank loan fees, including (a) agent / assignment fees; (b) amendment fees; (c) commitment fees; (d) consent fees; (e) cost of carry fees; (f) delayed compensation fees; (g) facility fees; (h) fronting fees; (i) funding fees; (j) letter of credit assignment fees |
| CDDP | A combined service which enables the card acceptor to perform an authorisation for a temporary amount and a completion for the final amount within a limited time frame. Deferred Payment is only available in the unattended environment. Examples where this service is widely used are unattended petrol pumps and phone booths |
| CDOC | A service which allows the card acceptor to effect a credit to a cardholder' account. Unlike a Merchant Refund, an Original Credit is not preceded by a card payment. This service is used for example for crediting winnings from gaming. |
| FCOL | A Service that is settling card transaction related fees between two parties. |
| CBLK | A Service that is settling money for a bulk of card transactions, while referring to a specific transaction file or other information like terminal ID, card acceptor ID or other transaction details. |
| CDCB | Purchase of Goods and Services with additional Cash disbursement at the POI (Cashback) |
| MTUP | A Service that is first reserving money from a card account and then is loading a prepaid mobile phone amount by this amount. |
| ACCT | Transaction moves funds between 2 accounts of same account holder at the same bank. |
| DEPT | Transaction is related to a payment of deposit. |
| CASH | Transaction is a general cash management instruction. |
| PERS | Transaction is a payment between two accounts where the party is a natural person (identified by a private ID, not organization ID). |
| COLL | Transaction is a collection of funds initiated via a credit transfer or direct debit. |
| INTC | Transaction is an intra-company payment, ie, a payment between two companies belonging to the same group. |
| INTP | Transaction is a payment between two accounts belonging to the same party (intra-party payment), where party is a natural person (identified by a private ID, not organisation ID). |
| MGSC | Margin Client Owned Segregated Cash Collateral - Any cash payment related to the collateral for initial futures margin, which is owned by the client and is available for use by the client when it is returned to them from the segregated account. |
| EXTD | Cash collateral related to trading of exchanged traded derivatives in general (Opposite to Over the Counter (OTC)). |
| FIXI | Cash collateral related to a fixed income instrument |
| SBSC | Cash collateral related to a Securities Buy Sell Sell Buy Back |
| SCVE | Transaction is related to purchase and sale of services. |
| BEXP | Transaction is related to a payment of business expenses. |
| COMC | Transaction is related to a payment of commercial credit or debit. (formerly CommercialCredit) |
| GDDS | Transaction is related to purchase and sale of goods. |
| GDSV | Transaction is related to purchase and sale of goods and services. |
| SERV | Transaction is related to service charges charged by a service provider. |
| SUBS | Transaction is related to a payment of information or entertainment services either in printed or electronic form. |
| SUPP | Transaction is related to a payment to a supplier. |
| TRAD | Transaction is related to a trade services operation. |
| BEXP | Transaction is related to a payment of business expenses. |
| MP2B | A service which enables a user to use an app on its mobile to pay a merchant or other business payees by initiating a payment message. Within this context, the account information or an alias of the payee might be transported through different channels to the app, for example QR Code, NFC, Bluetooth, other Networks. |
| ROYA | Transaction is the payment of royalties. |
| CHAR | Transaction is a payment for charity reasons. |
| COMT | Transaction is a payment used by a third party who can collect funds to pay on behalf of consumers, ie credit counseling or bill payment companies. |
| HLRP | Transaction is related to a payment of housing loan. |
| HLST | Transaction is related to the settlement of a home loan. |
| INPC | Transaction is a payment of car insurance premium. |
| INTE | Transaction is payment of interest. |
| LIFI | Transaction is a payment of life insurance. |
| PPTI | Transaction is a payment of property insurance. |
| INPR | Transaction is related to an insurance premium refund. |
| INSC | Transaction is related to the payment of an insurance claim. |
| INSU | Transaction is payment of an insurance premium. |
| LOAN | Transaction is related to transfer of loan to borrower. |
| LOAR | Transaction is related to repayment of loan to lender. |
| RINP | Transaction is related to a payment of a recurring installment made at regular intervals. |
| PENO | Payment based on enforcement orders except those arising from judicial alimony decrees. |
| RELG | Transaction is for general rental/lease. |
| TRFD | Transaction is related to a payment of a trust fund. |
| FORW | FX trades with a value date in the future. |
| ADVA | Transaction is an advance payment. |
| BCDM | Transaction is the payment of a domestic bearer cheque. |
| BCFG | Transaction is the payment of a foreign bearer cheque. |
| CCRD | Transaction is related to a payment of credit card account. |
| DCRD | Transaction is related to a debit card payment. |
| CFEE | Transaction is related to a payment of cancellation fee. |
| CORT | Transaction is related to settlement of a trade, e.g. a foreign exchange deal or a securities transaction. |
| REBT | Transaction is the payment of a rebate. |
| FEES | Payment of fees/charges. |
| GIFT | Payment with no commercial or statutory purpose. |
| IHRP | Transaction is payment for an installment/hire-purchase agreement. |
| INSM | Transaction is related to a payment of an installment. |
| IVPT | Transaction is the payment for invoices. |
| REFU | Transaction is the payment of a refund. |
| FAML | Transaction is between family members |
| MSVC | Transaction is related to a payment for multiple service types. |
| LEGE | Legal Expense |
| LEGC | Payment toward legal case or to execution department |
| GOVT | Transaction is a payment to or from a government department. |
| BRKF | Fee paid to a broker for services provided. |
| ANNI | Transaction settles annuity related to credit, insurance, investments, others. |
| CMDT | Transaction is payment of commodities. |
| DERI | Transaction is related to a derivatives transaction |
| PRME | Transaction is related to a precious metal operation. |
| DIVD | Transaction is payment of dividends. |
| FREX | Transaction is related to a foreign exchange operation. |
| INVS | Transaction is for the payment of mutual funds, investment products and shares |
| SECU | Transaction is the payment of securities. |
| TREA | Transaction is related to treasury operations. |
| SAVG | Transfer to savings/retirement account. |
| IRES | Investment in Real Estate |
| MDCS | Transaction is a payment for medical care services. |
| HLTI | Transaction is a payment of health insurance. |
| ALLW | Transaction is the payment of allowances. |
| BONU | Transaction is related to payment of a bonus. |
| COMM | Transaction is payment of commission. |
| PENS | Transaction is the payment of pension. |
| SSBE | Transaction is a social security benefit, ie payment made by a government to support individuals. |
| SALA | Transaction is the payment of salaries. |
| SPSP | Salary or pension payment for more months in one amount or a delayed payment of salaries or pensions. |
| BENE | Transaction is related to a payment to a person who is unemployed/disabled. |
| EOFS | Transaction is related to end-of-service payments from the employer (ministries, companies, institutions, etc.) in favor of individuals. |
| TFLG | Payments related to letter of guarantee |
| TFLC | Payments related to letter of credit |
| TAXS | Transaction is the payment of taxes. |
| INTX | Transaction is related to a payment of income tax. |
| AIRB | Transaction is a payment for air transport related business. |
| UBIL | Transaction is for the payment to common utility provider that provide gas, water and/or electricity. |
| PHON | Transaction is related to a payment of telephone bill. |
| KEMB | Transfers of Kuwaiti embassies, consulates and representative offices |
| IEMB | Transfers of the international embassies, consulates and representative offices |
| DELG | Expenses of government official missions |
| INMM | liquidity intervention either injection to or withdrawal from conventional banks through MM deals |
| INTQ | liquidity intervention either injection to or withdrwal from islamic banks through MM islamic deals |
| ICBD | Issuance of CBK Bonds for the Conventional Banks on the value date |
| RCBD | Redemption of CBK Bonds for the Conventional Banks at the maturity date |
| ECTQ | excution of Related Tawarruq CBK Bonds with Islamic Banks on the value date |
| SCTQ | tsettlement of Related Tawarruq CBK Bonds for Islamic Banks at the maturity date |
| ITBD | Issuance of Treasury Bonds for the Conventional Banks on the value date |
| RTBD | Redemption of Treasury Bonds for the Conventional Banks at the maturity date |
| EPDT | Execution of Public Debt Tawarruq for the Islamic Banks on the value date |
| SPDT | settlement of Public Debt Tawarruq for the Islamic Banks at the maturity date |
| BDKD | Bulk Deposit by Participant Bank |
| BWKD | Bulk Withdrawal by Participant Bank |
| FCYB | Forex currency Buy by Participant Bank |
| FCYS | Forex currency Sell by Participant Bank |
| CDCD | Normal Deposit by Participant Bank |
| CWCD | Normal Withdrawal by Participant Bank |
| CHTR | Onus Inter account Transafer |
| ISUK | Issuance of Sukuk for the Islamic Banks on value date |
| RSUK | Redemption of Sukuk for the Islamic Banks at Maturity date |
| ITBL | Issuance of treasury bills for Conventional Banks on the value date |
| RTBL | Redemption of treasury bills for the Conventional Banks at the maturity date |
| LOAN | Transaction is payment of staff loan |
| OTPT | Transaction is payment of Overtime |
| LEPT | Transaction is payment of leave encashment |
| SADJ | Transaction is payment of salary adjustment |
| INST | Transaction is payment of monthly Installments to ministries |
| DEDU | Transaction is payment of Deductions for government entities |
| FORM | Transaction is payment of Form |
| STMP | Transaction is payment of Stamp (financial stamp or electronic stamp) |
| DISC | Transaction is payment of Discounts for government entities |
| FISU | Transaction is payment of Financial support |
| INST | Transaction is payment of Instalment |
| TRCO | Transaction is payment of Training course |
| CONT | Transaction is payment of Contract |
| DUES | Transaction is payment of Dues |
| TEND | Transaction is payment of Tender |
| TECO | Transaction is payment of Terminate contract |
| EXWO | Transaction is payment of Excellent work |
| BOAL | Transaction is payment of Book allowance |
| TICK | Transaction is payment of Travel tickets |
| CCST | Transaction is payment of Cash custody |
| RSIG | Transaction is payment of Resignation |
| SLON | Transaction is payment of Social loan |
| COMT | Transaction is payment of Committee |
| OFMI | Transaction is payment of Official mission |
| TEAM | Transaction is payment of Work teams |
| IBAL | Transaction is increase Government Entities Balances from Ministry of Finance |
Malaysia
| Code | Description |
|---|---|
| advertising | Advertising and public relations-related expenses |
| advisor_fees | Fees for advisory, technical, academic or specialist assistance |
| business_insurance | Product indemnity insurance |
| construction | Construction costs/expenses |
| delivery | Delivery fees for goods |
| education | Education-related student expenses |
| exports | Payments for exported goods |
| family | Family maintenance |
| fund_investment | Mutual fund investment |
| hotel | Hotel accommodation |
| insurance_claims | Insurance claims payment |
| insurance_premium | Insurance premium |
| loan_repayment | Repayment of loans |
| medical | Medical treatment and expenses |
| office | Representative office expenses |
| other_fees | Broker, front end, commitment, guarantee and custodian fees |
| property_purchase | Purchase of residential property |
| property_rental | Property rental payment |
| royalties | Royalty, trademark, patent and copyright fees |
| services | Information service charges |
| share_investment | Investment in shares |
| tax | Tax payment |
| transfer | Transfer to own account |
| transportation | Transportation fees for goods |
| travel | Travel |
| utilities | Utility bills |
United Arab Emirates
| Code | Description |
|---|---|
| ACM | Agency Commission |
| AES | Advance payment against EOS |
| AFA | Receipts or payments from personal residents bank account or deposits abroad |
| AFL | Receipts or payments from personal non-resident bank account in the UAE |
| ALW | Allowances |
| ATS | Air transport |
| BON | Bonus |
| CCP | Corporate Card Payment |
| CEA | Equity and investment fund shares for the establishment of new company from residents abroad, equity of merger or acquisition of companies abroad from residents and participation to capital increase of related companies abroad |
| CEL | Equity and investment fund shares for the establishment of new company in the UAE from non-residents, equity of merger or acquisition of companies in the UAE from non-residents and participation to capital increase of related companies from non-residents in the UAE |
| CHC | Charitable Contributions |
| CIN | Commercial Investments |
| COM | Commission |
| COP | Compensation |
| CRP | Credit Card Payments |
| DCP | Pre-Paid Reloadable & Personalized Debit Card Payments |
| DIV | Dividend Payouts |
| DLA | Purchases and sales of foreign debt securities in not related companies – More than a year |
| DLF | Debt instruments intragroup loans, deposits foreign |
| DLL | Purchases and sales of securities issued by residents in not related companies – More than a year |
| DOE | Dividends on equity not intra group |
| DSA | Purchases and sales of foreign debt securities in not related companies – Less than a year |
| DSF | Debt instruments intragroup foreign securities |
| DSL | Purchases and sales of securities issued by residents in not related companies – Less than a year |
| EDU | Educational Support |
| EMI | Equated Monthly Instalments |
| EOS | End of Service |
| FAM | Family Support |
| FDA | Financial derivatives foreign |
| FDL | Financial derivatives in the UAE |
| FIA | Investment fund shares foreign |
| FIL | Investment fund shares in the UAE |
| FIS | Financial services |
| FSA | Equity other than investment fund shares in not related companies abroad |
| FSL | Equity other than investment fund shares in not related companies in the UAE |
| GDE | Goods Sold |
| GDI | Goods bought |
| GMS | Processing repair and maintenance services on goods |
| GOS | Government goods and services embassies etc |
| GRI | Government related income taxes tariffs capital transfers etc |
| IFS | Information services |
| IGD | Intra group dividends |
| IGT | Inter group transfer |
| IID | Intra group interest on debt |
| INS | Insurance services |
| IOD | Income on deposits |
| IOL | Income on loans |
| IPC | Charges for the use of intellectual property royalties |
| IPO | IPO subscriptions |
| IRP | Interest rate swap payments |
| IRW | Interest rate unwind payments |
| ISH | Income on investment funds share |
| ISL | Interest on securities more than a year |
| ISS | Interest on securities less than a year |
| ITS | Computer services |
| LAS | Leave salary |
| LDL | Debt instruments intragroup loans, deposits in the UAE |
| LDS | Debt instruments intragroup securities in the UAE |
| LEA | Leasing abroad |
| LEL | Leasing in the UAE |
| LIP | Loan interest payments |
| LLA | Loans – Drawings or Repayments on loans extended to nonresidents – Long-term |
| LLL | Loans – Drawings or Repayments on foreign loans extended to residents – Long-term |
| LNC | Loan charges |
| LND | Loan disbursements |
| MCR | Monetary Claim Reimbursements Medical Insurance or Auto Insurance etc. |
| MWI | Mobile wallet cash in |
| MWO | Mobile wallet cash out |
| MWP | Mobile wallet payments |
| OAT | Own account transfer |
| OTS | Other modes of transport |
| OVT | Overtime |
| PEN | Pension |
| PIN | Personal Investments |
| PIP | Profits on Islamic products |
| PMS | Professional and management consulting services |
| POR | Refunds or Reversals on IPO subscriptions |
| POS | POS Merchant Settlement |
| PPA | Purchase of real estate abroad from residents |
| PPL | Purchase of real estate in the UAE from non-residents |
| PRP | Profit rate swap payments |
| PRR | Profits or rents on real estate |
| PRS | Personal cultural audio visual and recreational services |
| PRW | Profit rate unwind payments |
| RDS | Research and development services |
| RFS | Repos on foreign securities |
| RLS | Repos on securities issued by residents |
| RNT | Rent payments |
| SAA | Salary advance |
| SAL | Salary |
| SCO | Construction |
| SLA | Loans – Drawings or Repayments on loans extended to nonresidents – Short-term |
| SLL | Loans – Drawings or Repayments on foreign loans extended to residents – Short-term |
| STR | Travel |
| STS | Sea transport |
| SVI | Stored value card cash-in |
| SVO | Stored value card cash-out |
| SVP | Stored value card payments |
| TCP | Trade credits and advances payable |
| TCR | Trade credits and advances receivable |
| TCS | Telecommunication services |
| TKT | Tickets |
| TOF | Transfer of funds between persons Normal and Juridical |
| TTS | Technical trade-related and other business services |
| UTL | Utility Bill Payments |