> ## Documentation Index
> Fetch the complete documentation index at: https://rain-sandbox-trial.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.
# Payment Account Details by Currency & Rail
> Required bank-account fields for creating a payment account, per currency and rail.
## Overview
When you create a payment account (`POST /v1/payment-accounts`), the required
bank-account fields depend on the destination **currency** and **rail**. This
page is the field-by-field reference for every supported currency/rail so you
know exactly what to send.
This page is a companion to [Offramps with Transfers](/docs/transfers). Use it
to build the `externalFiatAccount` object; the transfers guide covers the
end-to-end quote → transfer flow.
Rail values are case-insensitive, but this reference uses the canonical lowercase form. Field
requirements are validated end-to-end at account creation — a `400` response
names the specific missing field, which is always the authority if this page and
the API ever disagree.
## Fields required for every rail
These apply to **all** currencies and rails unless noted otherwise:
| Field | Notes |
| ---------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| `currency` | ISO currency code of the destination account (e.g. `brl`). |
| `rail` | One of the rails listed below for that currency. |
| `beneficiaryType` | `individual` or `business`. |
| `beneficiaryFirstName` + `beneficiaryLastName` | Required when `beneficiaryType` is `individual`. |
| `beneficiaryBusinessName` | Required when `beneficiaryType` is `business`. |
| `beneficiaryAddress` | **Required** (except `mx_spei`). Must include `countryCode` — account creation rejects the request without it. Same shape as `bankAddress`. |
| `bankAddress` | Required for **all rails except `mx_spei`** (`addressLine1`, `city`, `region`, `postalCode`, `countryCode`). |
| `bankName` | Recommended; required by some banks/rails. |
| `thirdParty` | Set to `true` when you pay a beneficiary who is not the account holder. See below for extra rail requirements. |
Use the tables below to find the **rail-specific** fields you must send in
addition to the universal fields above.
## Third-party accounts
Set `thirdParty: true` when you pay out to someone other than the account holder.
**On most rails this changes nothing** — you send the same fields as a first-party
account. Only the five rails below ask for extra beneficiary identification, and
only the fields named on that row are required. Every other field in this section
stays optional.
### Rails with extra requirements
For an `individual` beneficiary, send these **in addition to** the rail's normal
fields from the tables further down:
| Rail | Additional required fields |
| ------------------------ | ----------------------------------------------------------------- |
| `ar_transfers_3` (ARS) | `beneficiaryMsisdn` + `beneficiaryIdType` + `beneficiaryIdNumber` |
| `co_mobile_wallet` (COP) | `beneficiaryMsisdn` + `beneficiaryIdType` + `beneficiaryIdNumber` |
| `co_bre_b` (COP) | `beneficiaryMsisdn` + `beneficiaryIdType` + `beneficiaryIdNumber` |
| `br_pix` (BRL) | `beneficiaryIdNumber` |
| `br_ted` (BRL) | `beneficiaryIdNumber` |
For a `business` beneficiary, the ID fields do not apply — only `co_bre_b`
requires anything extra, and that is `beneficiaryMsisdn` alone.
These are additional to the rail's own identifier, not a replacement for it.
On `co_mobile_wallet` and `co_bre_b`, `phoneNumber` identifies the wallet you
are paying, while `beneficiaryMsisdn` is the beneficiary's own contact number
— two separate fields that may hold different values. On `ar_transfers_3` you
still send `taxNumber` and `accountNumber`.
### Field definitions
Definitions only — see the table above for which rails actually require these.
| Field | Required by | Notes |
| --------------------------------------- | ---------------------------------- | ---------------------------------------------------------------------------------------------- |
| `beneficiaryMsisdn` | the 3 rails above; also `za_local` | The beneficiary's phone in E.164 format, e.g. `+5492213149439`. Not the same as `phoneNumber`. |
| `beneficiaryIdType` | the 3 rails above | One of `passport`, `national_id`, `drivers_license`. Lowercase. |
| `beneficiaryIdNumber` | the 5 rails above | The document number. For BRL rails the CPF; for ARS the CUIT/CUIL; for COP the cédula. |
| `beneficiaryDateOfBirth` | no rail — optional | ISO 8601 date, `YYYY-MM-DD`. Accepted anywhere, required nowhere. |
| `beneficiaryBusinessRegistrationNumber` | no rail — optional | Business registration number. Applies only when `beneficiaryType` is `business`. |
Send national identifiers digits-only, without separators — a Brazilian CPF
goes as `31038403812`, not `310.384.038-12`.
## North America
### United States (USD)
| Field | `ach` | `wire` |
| --------------- | -------- | -------- |
| `routingNumber` | Required | Required |
| `accountNumber` | Required | Required |
### Mexico (MXN)
| Field | `mx_spei` |
| ------------- | --------- |
| `clabeNumber` | Required |
### Canada (CAD)
| Field | `ca_interac` |
| ------------------- | ------------ |
| `transitNumber` | Required |
| `institutionNumber` | Required |
| `accountNumber` | Required |
## South America
### Brazil (BRL)
| Field | `br_pix` | `br_ted` |
| --------------- | -------- | -------- |
| `pixCode` | Required | - |
| `accountNumber` | - | Required |
| `branchCode` | - | Required |
### Colombia (COP)
| Field | `co_ach` | `co_mobile_wallet` | `co_bre_b` |
| --------------- | -------- | ------------------ | ------------------ |
| `taxNumber` | Required | - | - |
| `accountNumber` | Required | - | - |
| `phoneNumber` | - | Required | One of these three |
| `email` | - | - | One of these three |
| `accountHandle` | - | - | One of these three |
For `co_bre_b`, supply **one of** `phoneNumber`, `email`, or `accountHandle`.
### Argentina (ARS)
| Field | `ar_transfers_3` |
| ----------------- | ---------------------------------- |
| `taxNumber` | Required |
| `accountNumber` | Required (CBU) |
| `bankAccountType` | Required — `checking` or `savings` |
## Europe
### Eurozone (EUR)
| Field | `sepa` |
| ---------- | -------- |
| `iban` | Required |
| `bicSwift` | Required |
### United Kingdom (GBP)
| Field | `gb_local` |
| --------------- | ---------- |
| `accountNumber` | Required |
| `sortCode` | Required |
| `iban` | Required |
## Africa
### Egypt (EGP)
| Field | `eg_rtgs_ipn` |
| ------ | ------------- |
| `iban` | Required |
### Kenya (KES)
| Field | `ke_pesalink` |
| --------------- | ------------- |
| `accountNumber` | Required |
### Nigeria (NGN)
| Field | `ng_local` |
| ------------- | ---------- |
| `nubanNumber` | Required |
### South Africa (ZAR)
| Field | `za_local` |
| ------------------- | ------------------------------------- |
| `accountNumber` | Required |
| `beneficiaryMsisdn` | Required (E.164, e.g. `+27831234567`) |
## Middle East
### Saudi Arabia (SAR)
| Field | `sa_mada` |
| ------ | --------- |
| `iban` | Required |
## Asia-Pacific
### India (INR)
| Field | `in_neft` | `in_imps` |
| --------------- | --------- | --------- |
| `ifscCode` | Required | Required |
| `accountNumber` | Required | Required |
### Philippines (PHP)
| Field | `ph_local` |
| --------------- | ---------- |
| `accountNumber` | Required |
Additional fields may be required depending on the transfer amount or specific
compliance requirements. When in doubt, submit the request — a `400` response
names any missing field. Contact your Rain representative for
corridor-specific requirements.
## Error Handling
| Error | Description | Resolution |
| ----------------------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------------------------- |
| `Invalid payment account request: required for this rail` | The request is missing a field the rail requires (e.g. `bankAccountType`, `beneficiaryMsisdn`, `beneficiaryAddress.countryCode`) | Add the named field and resubmit — see the rail tables above |
| `No route found between source and destination currencies` | Returned at quote time when the payment account is missing information the corridor needs | Verify the account has every field listed for its rail and recreate it if needed |
## Supported Fiat Currencies (Upon Request)
The following additional currencies are supported and available upon request:
| Currency | Country |
| -------- | --------------------- |
| AOA | Angola |
| AUD | Australia |
| BDT | Bangladesh |
| BOB | Bolivia |
| CLP | Chile |
| CNY | China |
| CRC | Costa Rica |
| CZK | Czechia |
| DKK | Denmark |
| DOP | Dominican Republic |
| EGP | Egypt *(coming soon)* |
| ETB | Ethiopia |
| GHS | Ghana |
| GTQ | Guatemala |
| HNL | Honduras |
| HUF | Hungary |
| IDR | Indonesia |
| ILS | Israel |
| JMD | Jamaica |
| JPY | Japan |
| MWK | Malawi |
| MYR | Malaysia |
| NPR | Nepal |
| NOK | Norway |
| PKR | Pakistan |
| PEN | Peru |
| PLN | Poland |
| QAR | Qatar |
| RON | Romania |
| RWF | Rwanda |
| RSD | Serbia |
| SGD | Singapore |
| KRW | South Korea |
| LKR | Sri Lanka |
| SEK | Sweden |
| CHF | Switzerland |
| TZS | Tanzania |
| THB | Thailand |
| TRY | Turkey |
| UGX | Uganda |
| UAH | Ukraine |
| AED | United Arab Emirates |
| UYU | Uruguay |
| VND | Vietnam |
| XOF | West Africa (WAEMU) |
Contact your Rain representative to enable the above rails for your tenant.