# Reduce sanctions request volumes

You can reduce the number of [sanctions requests](https://www.checkout.com/docs/business-operations/compliance-requests.md#Sanctions_requests) by including certain optional fields in your payment or payout requests. We use this information to automatically dismiss alerts and improve processing efficiency.

> **Note**
>
> When including first name, last name, and company name, provide the full legal names without suffixes or abbreviations in the corresponding fields.

## Card payout

**Recommended fields**

### Sender data

If `sender.type` is set to `individual`, include the following fields:

- `sender.first_name`
- `sender.last_name`
- `sender.date_of_birth`
- `sender.country_of_birth`
- `sender.nationality`

If `sender.type` is set to `corporate` or `government`, include `sender.company_name`.

Where possible, include the following fields:

- `sender.identification.type`
- `sender.identification.number`
- `sender.identification.issuing_country`

### Destination data

If `destination.account_holder.type` is set to `individual`, include the following fields:

- `destination.account_holder.first_name`
- `destination.account_holder.last_name`
- `destination.account_holder.date_of_birth`
- `destination.account_holder.country_of_birth`

If `destination.account_holder.type` is set to `corporate` or `government`, include `destination.account_holder.company_name`.

**Sample request**

```json
{
  "source": {
    "type": "currency_account",
    "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
  },
  "destination": {
    "type": "card",
    "number": "4242424242424242",
    "expiry_month": 12,
    "expiry_year": 2024,
    "account_holder": {
      "type": "individual",
      "first_name": "Toby",
      "last_name": "Arden",
      "date_of_birth": "1970-01-01",
      "country_of_birth": "GB"
    }
  },
  "amount": 1000,
  "currency": "GBP",
  "instruction": {
    "funds_transfer_type": "AA"
  },
  "processing_channel_id": "pc_hpswyyx23geezflc2ocz3exn4y",
  "sender": {
    "type": "individual",
    "first_name": "Hayley",
    "last_name": "Jones",
    "address": {
      "address_line1": "A House",
      "address_line2": "A Street",
      "city": "A City",
      "zip": "AA12 1AA",
      "country": "GB"
    },
    "reference": "1234567ABCDEFG",
    "reference_type": "other",
    "date_of_birth": "1985-05-27",
    "country_of_birth": "BR",
    "nationality": "BR",
    "source_of_funds": "debit",
    "identification": {
      "type": "company_registration",
      "number": "AA123456",
      "issuing_country": "United Kingdom"
    }
  },
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}
```

---

## Bank payouts

**Recommended fields**

### Sender data

If `sender.type` is set to `individual`, include the following fields:

- `sender.first_name`
- `sender.last_name`
- `sender.dob`
- `sender.identification.type`
- `sender.identification.issuing_country`
- `sender.identification.number`

If `sender.type` is set to `corporate`, include `sender.company_name`.

### Destination data

If `destination.type` is set to `bank account` and `account_holder.type` is set to `individual`, include the following fields:

- `destination.account_holder.first_name`
- `destination.account_holder.last_name`
- `destination.account_holder.date_of_birth`
- `destination.account_holder.country_of_birth`

If `destination.type` is set to `bank account` and `account_holder.type` is set to `government` or `corporate`, include `destination.account_holder.company_name`.

**Sample request**

```json
{
  "source": {
    "type": "bank_account",
    "id": "ca_y3oqhf46pyzuxjbcn2giaqnb44"
  },
  "destination": {
    "type": "bank_account",
    "id": "src_gsd2agaqd2sernz5tpcfv555nq",
    "account_holder": {
      "type": "corporate",
      "company_name": "The Online Retailer"
    }
  },
  "amount": 1000,
  "currency": "GBP",
  "reference": "PO-215-5721",
  "billing_descriptor": {
    "reference": "Withdrawal"
  },
  "sender": {
    "type": "individual",
    "first_name": "Jia",
    "last_name": "Tsang",
    "reference": "8285282045818",
    "dob": "1983-09-07",
    "identification": {
      "type": "passport",
      "number": "AA123456",
      "issuing_country": "United Kingdom"
    }
  },
  "instruction": {
    "purpose": "Withdrawal",
    "scheme": "local",
    "quote_id": "qte_mbabizu24mvu3mela5njyhpit4"
  },
  "processing_channel_id": "pc_hpswyyx23geezflc2ocz3exn4y",
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}
```

---

## ACH payins

If your payment request has `source.type` set to `ach`, we recommend that you include the following fields:

**Recommended fields**

If `source.account_holder.type` is set to `individual`, include the following fields:

  - `sender.account_holder.first_name`
  - `sender.account_holder.last_name`

If `source.account_holder.type` is set to `corporate` or `government`, then include `sender.account_holder.company_name`.

Where possible, include the following fields:

  - `source.account_holder.date_of_birth`
  - `source.account_holder.type`
  - `source.account_holder.identification.issuing_country`
  - `source.account_holder.identification.number`

**Sample request**

```json
{
  "source": {
    "type": "token",
    "token": "tok_4gzeau5o2uqubbk6fufs3m7p54",
    "account_holder": {
      "type": "individual",
      "first_name": "John",
      "last_name": "Smith",
      "date_of_birth": "1983-09-07",
      "identification": {
        "type": "company_registration",
        "number": "AA123456",
        "issuing_country": "United Kingdom"
      }
    },
    "billing_address": {
      "address_line1": "123 High St.",
      "address_line2": "Flat 456",
      "city": "London",
      "state": "GB",
      "zip": "SW1A 1AA",
      "country": "GB"
    }
  },
  "amount": 6540,
  "currency": "USD",
  "payment_type": "Recurring",
  "reference": "ORD-5023-4E89",
  "description": "Set of 3 masks",
  "capture": true,
  "capture_on": "2019-09-10T10:11:12Z",
  "customer": {
    "id": "cus_udst2tfldj6upmye2reztkmm4i",
    "email": "johnsmith@example.com",
    "name": "John Smith",
    "phone": {
      "country_code": "+1",
      "number": "415 555 2671"
    }
  },
  "billing_descriptor": {
    "name": "Withdrawal",
    "city": "London"
  },
  "shipping": {
    "address": {
      "address_line1": "Checkout.com",
      "address_line2": "Flat 456",
      "city": "London",
      "state": "GB",
      "zip": "SW1A 1AA",
      "country": "GB"
    },
    "phone": {
      "country_code": "+1",
      "number": "415 555 2671"
    }
  },
  "3ds": {
    "enabled": true,
    "attempt_n3d": true,
    "eci": "05",
    "cryptogram": "AgAAAAAAAIR8CQrXcIhbQAAAAAA=",
    "xid": "MDAwMDAwMDAwMDAwMDAwMzIyNzY=",
    "version": "2.0.1"
  },
  "previous_payment_id": "pay_fun26akvvjjerahhctaq2uzhu4",
  "risk": {
    "enabled": false
  },
  "success_url": "https://example.com/payments/success",
  "failure_url": "https://example.com/payments/fail",
  "payment_ip": "90.197.169.245",
  "recipient": {
    "dob": "1985-05-15",
    "account_number": "5555554444",
    "zip": "SW1A",
    "last_name": "Jones"
  },
  "metadata": {
    "coupon_code": "NY2018",
    "partner_id": 123989
  },
  "segment": {
    "brand": "Acme Corporation",
    "business_category": "Inward Payment",
    "market": "UK"
  }
}
```

---

## Unreferenced refunds

If your payment request has `payment_type` set to `UnreferencedRefund`, we recommend that you include the following fields:

**Recommended fields**

If `destination.account_holder.type` is `individual`, include the following fields:

- `destination.account_holder.first_name`
- `destination.account_holder.last_name`

Where possible, include the following fields:

- `destination.account_holder.date_of_birth`
- `destination.account_holder.country_of_birth`

If `destination.account_holder.type` is set to `government` or `corporate`, include `destination.account_holder.company_name`

**Sample request**

```json
{
    "amount": 1000,
    "currency": "USD",
    "payment_type": "UnreferencedRefund",
    "processing_channel_id": "pc_xxx",
    "reference": "REF-FQSGRB",
    "source": {
        "type": "currency_account",
        "id": "ca_xxx"
    },
    "destination": {
        "type": "card",
        "number": "4111111111111111",
        "expiry_month": 12,
        "expiry_year": 2042,
        "account_holder": {
            "type": "individual", 
            "first_name": "John",
            "last_name": "Doe",
            "date_of_birth": "2000-01-01",
            "country_of_birth": "US",
            "billing_address": {
                "address_line1": "123 Test St",
                "city": "New York",
                "state": "NY",
                "zip": "10014",
                "country": "US"
            }
        }
    }
}
```