Provide user details for single payments

Learn what user details you need to provide when you make a payment request.

When you create a single payment into your merchant account, you need to provide some details about your user as part of anti-money-laundering measures. The only exception to this is if you have a PISP license.

User details to collect

When you create a payment, you provide user details as part of the user object. The available fields in the user object are: id, name, email, phone, date_of_birthandaddress.

For a single payment, you must provide a minimum of:

  • The name of the payer, their given and family name.
  • One of:
    • The payer's email address.
    • The payer's phone number.

How to provide details

The example request below shows a single payment creation request with the mandatory user detail objects name and email completed. You can see the name Remi Terr and email [email protected] included as part of the user object.

curl --request POST \
     --url \
     --header 'Idempotency-Key: ff19fe25-2350-4ed9-a73b-249e58d54f71' \
     --header 'accept: application/json; charset=UTF-8' \
     --header 'content-type: application/json; charset=UTF-8' \
     --data '
     "payment_method": {
          "type": "bank_transfer",
          "provider_selection": {
               "type": "user_selected",
               "filter": {
                    "release_channel": "general_availability",
                    "customer_segments": [
               "scheme_selection": {
                    "type": "instant_only",
                    "allow_remitter_fee": false
          "beneficiary": {
               "type": "merchant_account",
               "merchant_account_id": "AB8FA060-3F1B-4AE8-9692-4AA3131020D0"
     "user": {
          "name": "Remi Terr",
          "email": "[email protected]"
     "amount_in_minor": 100