NRI Self-Remittance (Me-to-Me)

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Overview

Tazapay supports C2C self-remittance (me-to-me) payouts to India, enabling Non-Resident Indians (NRIs) to transfer funds into their own NRO (Non-Resident Ordinary) bank accounts via domestic bank transfer. This flow is designed for licensed overseas remittance companies who collect funds from NRI customers abroad and initiate INR payouts to the customer’s own Indian bank account through Tazapay.

Note This guide covers the additional requirements specific to the self-remittance flow. All standard requirements for creating a payout and setting up an entity still apply. Ensure you are familiar with those before proceeding.

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Eligibility Criteria

For a payout to be processed through the self-remittance flow, all of the following conditions must be met — in addition to standard payout requirements:

Important

• The sender (entity) and recipient (beneficiary) must be the same person. The entity name on the payout must exactly match the beneficiary name.
• Only Individual entity and beneficiary types are supported. Business or corporate entities are not eligible.
• Only NRO accounts are supported as destination accounts.

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Additional Required Fields on the Entity Object

The following fields on the Entity (ultimate remitter) object are mandatory for self-remittance payouts. These are in addition to the standard entity fields documented in the Entity API reference. Payouts missing any of these fields will not be processed through this flow. Refer to the Entity API documentation for accepted values for each field.

Important Indian KYC documents (such as Aadhaar, PAN, or Indian driving license) are not accepted — with the exception of an Indian passport, which is valid. The identification must be a non-Indian document or an Indian passport.

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Payout Limits

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Remitter Name on Bank Statement

The remitter name displayed on the recipient’s Indian bank statement cannot be customised. It will reflect Tazapay’s processing partner name — not your brand name or the sender’s name. Ensure your NRI customers are informed of this upfront to avoid confusion or disputes.

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What Happens When Conditions Are Not Met

If any of the eligibility criteria above are not satisfied — such as a missing mandatory field, incorrect purpose code, or mismatched entity/beneficiary names — the payout will not be processed through the self-remittance flow. It will instead follow Tazapay’s standard INR payout routing.

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Best Practices

• Collect phone, email, and a valid non-Indian ID (or Indian passport) from the NRI customer before initiating the payout
• Ensure the entity name exactly matches the beneficiary name — even minor differences (e.g., middle name, initials) may cause a mismatch
• Use purpose code PYR006 — no other purpose code is eligible for this flow
• Set expectations with NRI customers that the bank statement remitter name will not reflect your brand