RFI Examples

This guide walks through how clients respond to RFIs. For a list of RFI types and definitions, see Transaction RFI Types.

Step 1: Review webhook

The client is expected to consume the Transaction Compliance Status event to figure out if there is any change in thecomplianceStatus of the transaction.

Step 2: Fetch the transaction

The client is expected to call the Get Transaction API after receiving the webhook event.

Next, the client must review the complianceStatus field of the event to figure out the current compliance status of the transaction.

If complianceStatus returns RFI_REQUESTED, then the client should consume the information contained in rfiDetails field in the Fetch Transaction response.

Step 3: Review `rfiDetails`

The rfiDetails field is an array of objects, each containing the details of the RFI request. The client should review the details inside these objects:

The RFI's unique identifiers (rfiHashId, rfiId and rfiStatus) help identify the RFIs.
descriptionand remarks parameters help identify why an RFI was raised.
transactionEntityType parameter helps identify who the RFI is for - DEBTOR or CREDITOR.
Use the type, documentType & requiredData field to respond to the RFI.

Response Example

{
  "rfiDetails": [
    {
      "rfiHashId": "9d6676fb-e6b9-435f-9c4b-f47f7f72b9a0",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "address",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "Please provide the remitter's address as we couldn't locate the one submitted during the payout request",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Post Code",
          "value": "postcode",
          "type": "data"
        },
        {
          "label": "Country",
          "value": "country",
          "type": "data"
        },
        {
          "label": "State",
          "value": "state",
          "type": "data"
        },
        {
          "label": "City",
          "value": "city",
          "type": "data"
        },
        {
          "label": "Address Line2",
          "value": "addressLine2",
          "type": "data"
        },
        {
          "label": "Address Line1",
          "value": "addressLine1",
          "type": "data"
        }
      ]
    },
    {
      "rfiHashId": "42306dfe-32e8-49db-b33a-ba3718be1b85",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "bankName",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "Please provide the name of the remitter's bank",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Bank Name",
          "value": "bankName",
          "type": "data"
        }
      ]
    },
    {
      "rfiHashId": "29eb2280-a52a-418b-8749-bdc29f9c0623",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_RESPONDED",
      "description": "dateOfBirth",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "Please provide the date of birth for the remitter since the dob submitted earlier doesn't match with the govt. records",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Date Of Birth",
          "value": "dateOfBirth",
          "type": "data"
        }
      ]
    }
  ]
}

Based on the above Get Transaction response snippet, we can identify that,

The RFIs with the following unique IDs needs a response:
- rfiId=ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975
- rfiHashId=9d6676fb-e6b9-435f-9c4b-f47f7f72b9a0 and 42306dfe-32e8-49db-b33a-ba3718be1b85
- rfiStatus = RFI_REQUESTED
The RFIs with the following unique IDs have already been responded to and doesn't need further action from the client. This is detailed in the rfiStatus field with the response returning RFI_RESPONDED.
- rfiId = ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975
- rfiHashId=29eb2280-a52a-418b-8749-bdc29f9c0623
The RFI with rfiHashId=9d6676fb-e6b9-435f-9c4b-f47f7f72b9a0 has been raised to collect the debtor's address (remitter in case of a Payout Transaction) because the compliance agent found an inconsistency.
While responding to the RFI with rfiId=ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975 & rfiHashId=9d6676fb-e6b9-435f-9c4b-f47f7f72b9a0the information should be a piece of data; no documentation is required. This is detailed in the type field with the response returning data.

`ADDRESS`

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "9d6676fb-e6b9-435f-9c4b-f47f7f72b9a0",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "address",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "r",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Post Code",
          "value": "postcode",
          "type": "data"
        },
        {
          "label": "Country",
          "value": "country",
          "type": "data"
        },
        {
          "label": "State",
          "value": "state",
          "type": "data"
        },
        {
          "label": "City",
          "value": "city",
          "type": "data"
        },
        {
          "label": "Address Line2",
          "value": "addressLine2",
          "type": "data"
        },
        {
          "label": "Address Line1",
          "value": "addressLine1",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                "address":{
                  "addressLine1": "High Street 101, 56th Avenue",
                  "addressLine2": "Hyung County",
                  "state":null,
                  "city": "Singapore",
                  "country": "SG",
                  "postcode": "28046"
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`BANK_NAME`

Similar response structures can be used for other RFIs like:

FIRST_NAME
MIDDLE_NAME
LAST_NAME
INDUSTRY_TYPE
IS_PEP
NATIONALITY

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "42306dfe-32e8-49db-b33a-ba3718be1b85",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "bankName",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "r",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Bank Name",
          "value": "bankName",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                "bankName": "State Bank of Mauritius"
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`DATE_OF_BIRTH`

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "29eb2280-a52a-418b-8749-bdc29f9c0623",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "dateOfBirth",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "r",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Date Of Birth",
          "value": "dateOfBirth",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                "dateOfBirth": "1986-10-24"
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`EMPLOYMENT_STATUS`

Similar response structures can be used for other RFIs like:

POSITION
REASON_FOR_TRANSFER
REMITTER_BENEFICIARY_RELATIONSHIP
SOURCE_OF_FUNDS
THIRD_PARTY_FUNDING

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "2bd9f61e-444e-4f9b-ab38-a32589f5a62c",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "employmentStatus",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "r",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Employment Status",
          "value": "employmentStatus",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                "employmentStatus": "Salaried"
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`TM_OTHER_DATA`

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "2bd9f61e-444e-4f9b-ab38-a32589f5a62c",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "otherData",
      "mandatory": true,
      "type": "data",
      "documentType": "NA",
      "remarks": "Please mention the relation of your organization with the US Govt. Agency",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Other Data",
          "value": "otherData",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                "additionalInfo": {
                  "otherData": "Our organization is a subsidiary of the US Govt. Agency"
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

Document based RFIs

Drivers license
Invoice
Others

`DRIVER_LICENSE`

A similar response structure can also be used for other RFIs, including:

PASSPORT
SALARY_STATEMENT
BANK_STATEMENT

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "2ee641b9-1a58-440b-b25b-a01e7e09c7c2",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "driverLicense",
      "mandatory": true,
      "type": "document",
      "documentType": "POA",
      "remarks": "r",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Driver's License Document",
          "value": "identificationDocument",
          "type": "document"
        },
        {
          "label": "Driver's License Issuing Date",
          "value": "identificationIssuingDate",
          "type": "data"
        },
        {
          "label": "Issuing Authority",
          "value": "identificationIssuingAuthority",
          "type": "data"
        },
        {
          "label": "Driver's License Number",
          "value": "identificationValue",
          "type": "data"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                identificationDoc: {
                  "identificationType": "DRIVER_LICENSE",
                  "identificationValue": "DL2194381",
                  "identificationIssuanceAuthority": "ACT Road Users Services",
                  "identificationIssuingDate": "2029-10-29",
                  "identificationDocument": [
                    {
                      "fileName": "Driver's License Front.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    },
                    {
                      "fileName": "Driver's License Back.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    }
                    ]
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`INVOICE`

Similar response structure can be used for other RFIs like:

APPLICANT_AUTHORITY_LETTER
GOVERNMENT_DOCUMENT
PERSONAL_IMAGE

Response with RFI

{
  "rfiDetails": [
    {
      "rfiHashId": "5bbb5e72-151a-4998-b76e-4f210db22c3c",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "Invoice",
      "mandatory": true,
      "type": "document",
      "documentType": "NA",
      "remarks": "Please provide the copy of the Invoice not more than 90 days old",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Invoice",
          "value": "identificationDocument",
          "type": "document"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                identificationDoc: {
                  "identificationType": "INVOICE",
                  "identificationDocument": [
                    {
                      "fileName": "Invoice-Page1.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    },
                    {
                      "fileName": "Invoice-Page2.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    },
                    {
                      "fileName": "Invoice-Page3.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    }
                    ]
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

`OTHERS`

Response with RFI

Similar response structure can be used for other RFIs like APPLICANT_AUTHORITY_LETTER

{
  "rfiDetails": [
    {
      "rfiHashId": "5bbb5e72-151a-4998-b76e-4f210db22c3c",
      "rfiId": "ff18e4f5-0eb2-4eb7-a57b-2e6fe7efd975",
      "rfiStatus": "RFI_REQUESTED",
      "description": "others",
      "mandatory": true,
      "type": "document",
      "documentType": "NA",
      "remarks": "Please provide the copy of the CEO's Letters",
      "transactionEntityType": "DEBTOR",
      "requiredData": [
        {
          "label": "Other Document",
          "value": "identificationDocument",
          "type": "document"
        }
      ]
    }
  ]
}

Request to answer RFI

{
    "rfiResponseRequest": [
        {
            "rfiResponseInfo": {
                identificationDoc: {
                  "identificationType": "OTHERS",
                  "identificationDocument": [
                    {
                      "fileName": "CEOLetter-Page1.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    },
                    {
                      "fileName": "CEOLetter-Page2.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    },
                    {
                      "fileName": "CEOLetter-Page3.jpg",
                      "fileType": "image/jpg",
                      "document": "iVBORw0KGgoAAAANSUhEUgAAAAgAAAAIAQMAAAD+wSzIAAAABlBMVEX///+/v7+jQ3Y5AAAADklEQVQI12P4AIX8EAgALgAD/aNpbtEAAAAASUVORK5CYII"
                    }
                    ]
            },
            "rfiHashId": "52a3c254-0efd-444d-a144-f0075eca0722"
        }
    ]
}

Step 1: Review webhook​

Step 2: Fetch the transaction​

Step 3: Review rfiDetails​

Response Example​

Data Based RFIs​

ADDRESS​

Response with RFI​

Request to answer RFI​

BANK_NAME​

Response with RFI​

Request to answer RFI​

DATE_OF_BIRTH​

Response with RFI​

Request to answer RFI​

EMPLOYMENT_STATUS​

Response with RFI​

Request to answer RFI​

TM_OTHER_DATA​

Response with RFI​

Request to answer RFI​

Document based RFIs​

DRIVER_LICENSE​

Response with RFI​

Request to answer RFI​

INVOICE​

Response with RFI​

Request to answer RFI​

OTHERS​

Response with RFI​

Request to answer RFI​

Step 1: Review webhook

Step 2: Fetch the transaction

Step 3: Review `rfiDetails`

Response Example

Data Based RFIs

`ADDRESS`

Response with RFI

Request to answer RFI

`BANK_NAME`

Response with RFI

Request to answer RFI

`DATE_OF_BIRTH`

Response with RFI

Request to answer RFI

`EMPLOYMENT_STATUS`

Response with RFI

Request to answer RFI

`TM_OTHER_DATA`

Response with RFI

Request to answer RFI

Document based RFIs

`DRIVER_LICENSE`

Response with RFI

Request to answer RFI

`INVOICE`

Response with RFI

Request to answer RFI

`OTHERS`

Response with RFI

Request to answer RFI