Account Capabilities

Overview

Not all account types support the same payment operations. Which payins and payouts are permitted for a given account depends on the account owner type (individual or business) and whether the account owner is national or foreign with respect to the account's country.

The four capability dimensions are:

Capability	Description
Payin — Same Name	Incoming transfers where the sender's name matches the account owner
Payin — Third Party	Incoming transfers from a sender with a different name than the account owner
Payout — Same Name	Outgoing transfers to a destination held in the account owner's name
Payout — Third Party	Outgoing transfers to a destination held in a different name than the account owner
Payout — QR	Outgoing payments via QR code

Default Capabilities by Account Owner Type

The table below reflects the default capability set.

Account Owner Type	Payin — Same Name	Payin — Third Party	Payout — Same Name	Payout — Third Party	Payout — QR
Individual — National	✅	❌	✅	✅	✅
Business — National	✅	✅	✅	✅	✅
Individual — Foreign	N/A	❌	N/A	✅	✅
Business — Foreign	N/A	✅	N/A	✅	✅

✅ Supported — ❌ Not permitted — N/A Does not apply (foreign account owners cannot hold same-name operations)

📘
These are the standard defaults applied at account creation. Capabilities are set based on the regulatory framework of each country and cannot be changed after the account is created.

⚠️
If your integration requires a capability that appears as ❌ in the table above, it cannot be enabled for that account type. Contact your account manager if you believe your use case requires an exception.