| P2M Payment Refund | OR|70000 | P2M_W2A_OR | OR | Merchant refunds customer wallet payment |
| P2M Payment | O|70000 | P2M_W2A_O | O | Card/Wallet debit towards payment of goods & services |
| Bill Payment | O|70001 | P2M1_W2A_O | O | Bill Payment Transaction |
| Bill Payment Refund | OR|70001 | P2M1_W2A_OR | OR | Bill Payment Refund |
| Recharge | O|70002 | P2M2_W2A_O | O | Mobile Recharge Transaction |
| Mobile Recharge Refund | OR|70002 | P2M2_W2A_OR | OR | Mobile Recharge Refund |
| Merchant Payment from Wallet | O|70003 | P2M3_W2A_O | O | Merchant Payment from Wallet |
| Merchant Payment Refund | OR|70003 | P2M3_W2A_OR | OR | Merchant Payment Refund |
| Merchant Payment from Card | O|70005 | P2M5_W2A_O | O | Merchant Payment from Card |
| W2A Payment | O|70010 | P2P_W2A_O | O | Customer transfers funds to self -Bank A/C or peer Bank A/C |
| Bank Account transaction refund | OR|70010 | P2P_W2A_OR | OR | Bank Account transaction refund |
| Load Refund | IR|70020 | P2P_W2W_IR | IR | Return back the money credited to wallet. |
| W2A Fund Transfer | O|70066 | W2A_FT_O | O | WALLET TO ACCOUNT FUND TRANSFER |
| W2A Fund Transfer Refund | OR|70066 | W2A_FTR_OR | OR | WALLET TO ACCOUNT FUND TRANSFER_REVERSAL |
| Penny Drop for Bene Validation | O|70067 | W2A_PD_O | O | WALLET TO ACCOUNT PENNY DROP |
| Penny Drop for Bene Validation Refund | OR|70067 | W2A_PDR_OR | OR | WALLET TO ACCOUNT PENNY DROP_REVERSAL |
| W2A Transfer for Account Closure | O|70068 | W2A_AC_O | O | WALLET TO ACCOUNT ACCOUNT CLOSURE |
| W2A Transfer for Account Closure Refund | OR|70068 | W2A_ACR_OR | OR | WALLET TO ACCOUNT ACCOUNT CLOSURE REVERSAL |
| Wallet to account transfer to a non beneficiary user | O|70069 | W2A_DRCT_O | O | Wallet to account transfer without beneficiary ID |
| Wallet Load from Client Pool | I|70130 | P2M_A2W_I | I | Card/Wallet credit from program A/C |
| Ecollect | I|70140 | P2P_A2W_I | I | Wallet load by Virtual Bank E-Collect |
| Ecollect Payment Refund Reversal | IR|70140 | P2P_A2W_IR | IR | Refund Reversal from Wallet, loaded using Virtual Bank E-collect |
| UPI P2M Payment | O|70160 | P2M_W2A_O_UPI | O | Customer pays to marchent wallet through UPI or VPA |
| UPI P2M Payment Refund | OR|70160 | P2M_W2A_O_R_UPI | OR | Customer pays Merchant with wallet through Merchant UPI VPA/QR Code (Or Client requests post Just-in time funding of wallet)-Refund scenario. |
| UPI - Scan UPI QR & BQR | O|70161 | P2M1_W2A_O_UPI | O | Merchant Payment from UPI |
| UPI - Scan UPI QR & BQR Refund | OR|70161 | P2M1_W2A_OR_UPI | OR | Offline Merchant Refund by UPI ID Partial Payment |
| UPI - Respond to Intent | O|70162 | P2M2_W2A_O_UPI | O | Merchant Payment from UPI |
| UPI - Respond to Intent Refund | OR|70162 | P2M2_W2A_OR_UPI | OR | Offline Merchant Refund by UPI ID Full Payment |
| UPI - Respond to Collect | O|70163 | P2M3_W2A_O_UPI | O | Merchant Payment from UPI |
| UPI Collect Refund | OR|70163 | P2M3_W2A_OR_UPI | OR | UPI Respond to Collect Refund |
| UPI Mandate One Time Refund | OR|70164 | P2M4_W2A_OR_UPI | OR | UPI Mandate One Time Refund |
| UPI Mandate - one time | O|70164 | P2M4_W2A_O_UPI | O | Merchant Payment for UPI Mandate |
| UPI Mandate - recurring | O|70165 | P2M5_W2A_O_UPI | O | Merchant Payment for UPI Mandate |
| Recurring UPI Mandate Payment Refund | OR|70165 | P2M5_W2A_OR_UPI | OR | Recurring UPI Mandate Payment Refund |
| Wallet Load from Client Pool for UPI Payment | I|70170 | P2M_A2W_I_UPI | I | Wallet credit from program A/C towards payment of goods & services through UPI. |
| Wallet Load Refund from Client Pool for UPI Payment | IR|70170 | P2M_A2W_IR_UPI | IR | Goods and Marchent provider reversing the money which is loaded through UPI. |
| PG load | I|70190 | PG_TU_I | I | Wallet Loading by PG |
| PG Load Refund Reversal | IR|70190 | PG_TU_IR | IR | Refund Reversal from Wallet, when loaded using PG |
| Cash Load via Agent | I|70200 | P2P_C2C_I | I | Cash load at Adhikari |
| Cash load Refund Reversal | IR|70200 | P2P_C2C_IR | IR | Refund Reversal from Wallet, when loaded using cash |
| Cashback load | I|70210 | B2C_B2W_I | I | Business to customer, pool account to customer wallet, inward load |
| Cashback load reversal | IR|70210 | B2C_B2W_IR | IR | Business to customer, pool account to customer wallet, inward load reversal |
| UPI send money refund | OR|80000 | P2P_W2A_OR_UPI | OR | Fund Transfer External Payer Reversal |
| UPI send money | O|80000 | P2P_W2A_O_UPI | O | Fund Transfer External Payer |
| Receive Money on UPI ID | I|80010 | P2P_A2W_I_UPI | I | Receive Money on UPI ID |
| UPI/QR Load Refund Reversal | IR|80010 | P2P_A2W_IR_UPI | IR | Refund Reversal from Wallet, when loaded using UPI/QR |
| Notional Credit | I|80020 | P2P_A2W_I_N | I | Notional Credit |
| Notional Debit | O|80030 | P2P_A2W_O_N | O | Notional Debit |
| Cash Withdraw at Agent | O|80100 | P2P_C2C_O | O | Cash Withdrawal at Adhikari |
| Cash Withdrawal at Agent refund | OR|80100 | P2P_C2C_OR | OR | Cash Withdrawal at Adhikari refund |
| Wallet-to-wallet transfer (W2W) - Debit | O|90020 | P2P_W2W_O | O | Fund transfer to Internal Beneficiary |
| Wallet-to-wallet transfer (W2W) - Credit | I|90020 | P2P_W2W_I | I | Receive money to Contact / Mobile Number (Intra wallet) |
| Fund Transfer External Payer Refund | OR|90020 | P2P_W2W_OR | OR | Wallet load Internal Payee |
| Fund Transfer External Payer Refund Reversal | IR|90020 | P2P_W2W_IR | IR | Fund Transfer External Payer Refund Reversal |
| Beneficiary Transfer UPI | O|90050 | P2P_W2A_B_O | O | Fund transfer to UPI Beneficiary |
| Beneficiary transfer refund | OR|90050 | P2P_W2A_B_OR | OR | Beneficiary transfer refund |
| Beneficiary Transfer Intrawallet-Credit | I|90060 | P2P_W2W_B_I | I | Receive Money from Internal Beneficiary |
| Beneficiary Transfer Intrawallet -Debit | O|90060 | P2P_W2W_B_O | O | Fund transfer to Internal Beneficiary |
| Fund Transfer Saved Beneficiary Refund Reversal | IR|90060 | P2P_W2W_B_IR | IR | Refund Reversal from wallet, when fund trasnfered to saved benificary |
| Fund Transfer Saved Beneficiary Refund | OR|90060 | P2P_W2W_B_OR | OR | Wallet Refund, when fund trasnfered to saved benificary |
| Amount load at the time of linking card | I|90070 | P2P_C2W_I | I | Amount load at the time of linking card |
| Unload as fee for link card | O|90080 | P2P_F2W_O | O | Instakit Card Issue Fee |
| Instakit Card Issue Fee Refund | OR|90080 | P2P_F2W_OR | OR | Instakit Card Issue Fee Refund |
| Payment on Merchant VPA | O|70180 | P2M6_W2A_O_UPI | O | |
| Payment on Merchant VPA Refund | OR|70180 | P2M6_W2A_OR_UPI | OR | |
| Payment to Merchant Bank Account | O|70185 | P2M7_W2A_O | O | |
| Payment to Merchant Bank Account Refund | OR|70185 | P2M7_W2A_OR | OR | |
| Payment to Saved Merchant Bank Account | O|90055 | P2M_W2A_B_O | O | |
| Payment to Saved Merchant Bank Account Refund | OR|90055 | P2M_W2A_B_OR | OR | |
| Payment to Saved Merchant VPA | O|90056 | P2M_W2A_B_O_UPI | O | |
| Payment to Saved Merchant VPA Refund | OR|90056 | P2M_W2A_B_OR_UPI | OR | |
