Overview
Yuno uses category codes to classify transactions, shipping methods, and payout purposes. These codes affect how providers process transactions, influence risk scoring, and determine regulatory compliance requirements.
Transaction Category Types
The transaction category indicates the nature of the payment and affects how providers handle authorization, settlement, and risk assessment.
| Category | Code | Description | Use Case |
|---|
| Purchase | PURCHASE | Standard one-time purchase of goods or services | E-commerce checkout, in-app purchase |
| Recurring | RECURRING | Scheduled repeat charge on a stored payment method | Monthly subscriptions, membership fees |
| Installment | INSTALLMENT | Purchase split into multiple scheduled payments | Buy-now-pay-later, installment plans |
| Pre-authorization | PRE_AUTH | Funds reserved without immediate capture | Hotel check-in, car rental deposit |
| Account funding | ACCOUNT_FUNDING | Transfer to a stored-value account or wallet | Digital wallet top-up, prepaid card load |
| Quasi-cash | QUASI_CASH | Purchase of items convertible to cash | Gift cards, money orders, lottery tickets |
transaction_type field of the payment request.
When to Use Each Category
PURCHASE. Use for all standard single-payment transactions. This is the default and most common category.
RECURRING. Use when charging a customer on a schedule using a previously stored payment method. The first transaction in a recurring series should be flagged as the initial recurring payment. Subsequent charges reference the initial transaction. Card networks require clear disclosure of recurring terms to the cardholder.
INSTALLMENT. Use when a single purchase is divided into multiple payments over time. The total number of installments and current installment number must be specified. Installment support varies by country and provider. It is widely used in Latin America (Brazil, Mexico, Colombia).
PRE_AUTH. Use when you need to reserve funds before the final amount is known. Pre-authorizations must be captured or cancelled within the authorization window (typically 7 days for cards, varies by provider).
ACCOUNT_FUNDING. Use for wallet top-ups and prepaid card loads. Some issuers apply different risk rules and limits to account funding transactions.
QUASI_CASH. Use for items that can be readily converted to cash. These transactions may be subject to higher scrutiny and lower approval rates from some issuers.
Shipping Reference Types
Shipping type codes indicate how purchased goods will be delivered. Providers and risk engines use this information for fraud scoring.
| Shipping Type | Code | Description | Typical Delivery Time |
|---|
| Same day | SAME_DAY | Delivery on the day of purchase | Hours |
| Next day | NEXT_DAY | Delivery on the next business day | 1 business day |
| Two day | TWO_DAY | Delivery within two business days | 2 business days |
| Standard | STANDARD | Standard ground shipping | 3-7 business days |
| International | INTERNATIONAL | Cross-border shipping | 7-30 business days |
| Pick up | PICK_UP | Customer picks up from store or location | N/A |
| Digital | DIGITAL | Electronic delivery (no physical shipment) | Immediate |
shipping.type field of the payment request.
Transactions with DIGITAL shipping type and a physical shipping address may be flagged by fraud engines. Use DIGITAL only when there is no physical delivery component.
Purpose Codes for Payouts
When processing payouts or disbursements, purpose codes indicate the reason for the transfer. These codes are required by some providers and regulators for compliance.
| Purpose | Code | Description |
|---|
| Salary | SALARY | Employee salary or wage payment |
| Vendor | VENDOR | Payment to a vendor or supplier |
| Refund | REFUND | Customer refund for returned goods or services |
| Loan | LOAN | Loan disbursement or repayment |
| Investment | INVESTMENT | Investment-related transfer |
| Commission | COMMISSION | Commission payment to agent or affiliate |
| Pension | PENSION | Pension or retirement fund payment |
| Government | GOVERNMENT | Government benefit or tax payment |
| Insurance | INSURANCE | Insurance premium or claim payment |
| Other | OTHER | Purpose not covered by other categories |
purpose field of the payout request.
Using incorrect purpose codes may result in payout rejections or compliance issues. Some countries require specific purpose codes for cross-border transfers. Verify requirements with your provider for the target country.
