Reducing RFI volumes

A Request for Information (RFI) is raised by Checkout.com (or our banking partners) to collect extra information to dismiss a potential match with a sanctioned entity. 

The more information we are provided through the API when the payment is initiated, the less likely we are to trigger an RFI.

We will use this information to automatically (or manually) dismiss alerts, resulting in less overhead for all parties involved.

Steps to reduce the need for RFIs

1. Provide clean, comprehensive transaction information
   • Full Legal Name: Ensure the sender and recipient's full legal names are populated without suffixes or abbreviations
     • account_holder.first_name
     • account_holder.last_name
   • Legal Business Name: For business transactions, include the entire legal business name
     • account_holder.company_name
2. Include key optional identifiers (these will depend on the payment method)
   • Date of Birth (DOB): Include the DOB
     • account_holder.date_of_birth
   • Country of Birth: Provide the country of birth of the recipient
     • account_holder.country_of_birth  
   • Nationality: Provide the nationality of the individuals involved
     • sender.nationality  
   • ID Issue Country and ID Type: Include the country where the ID was issued and its type (e.g., passport, driver’s license)
     • sender.identification.type
     • sender.identification.issuing_country
   • ID Number: Include the identification number from the provided ID
     • sender.identification.number

Merchants who provide us with ID and Date/Country of Birth information see reductions of up to 95% in the RFIs they receive from us. These fields are by far the most impactful in helping us dismiss a potential match. 

How do I provide this information? 

To reduce the chances of RFIs, you need to provide us with as much information as possible in the payment request. These are the key fields you need to ensure are populated with data:

Card Payout

Bank Payout