Optimizing Payments: The Role of Address Inclusion

When creating a token request, it's really helpful to include the addresses of both the creditor and, if available, the debtor. This simple step can significantly boost the chances of your request being processed successfully, especially for cross-border payments. Including these details helps avoid delays and issues, making the transaction smoother and more efficient.

For TPPs handling cross-border SEPA payments, adding the creditor address is key. Many banks expect this in international payment instructions, and some, like Kutxabank in Spain, require specific address fields. Including these by default can help prevent rejections.

Similarly, adding the debtor address is important because it's required by EU Fund Transfer Regulations.

For more details, check out the relevant API fields in the official reference guide here.

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