How Xflow Handles Businesses with Multiple Purpose Codes

If your business operates across more than one revenue stream, for example you export software and also offer consulting services, you likely work under more than one RBI purpose code. Xflow is built to handle that without requiring you to create separate accounts or workaround your way through the platform. Here's how it works.

Each Xflow account maintains a list of purpose codes, and every code on that list has its own approval status: approved, requested, or rejected. This means adding a new purpose code doesn't affect the ones you're already operating under. If one code is pending approval, you can continue transacting under your existing approved codes without interruption.

During onboarding, the purpose code field is a multi-select dropdown with 35 RBI options. You can select more than one code, and the options are filtered by transaction type: Goods, Services, or Software to help you find what's relevant to your business. At least one code is required to proceed, and the same applies to both Direct Users and Connected Users.

A practical tip: be precise when selecting codes. If your chosen codes don't align clearly with your business description, our operations team will ask for supporting documentation, typically export invoices or a FIRA/FIRC to verify that the codes reflect your actual foreign transactions.

For a purpose code you've previously been approved for, the turnaround is approximately 2 hours. For a new code being activated for the first time, the SLA is 1 business day. Each code goes through its own approval workflow independently, so a new addition doesn't hold up the rest.

You're not locked into your initial selection. From your Account Details page, you can request additional purpose codes at any time using the "Request a new Purpose Code" option. Each request is reviewed by the Xflow operations team and follows the same 1-day approval SLA for new codes.

You can also set different default purpose codes for different partners, useful if you regularly invoice clients under different categories of work.

When you create a receivable or invoice, your approved purpose codes will appear at the top of the dropdown so you can select them quickly. You can also reveal the full list of codes if needed. If you select a code that hasn't been approved yet, Xflow will flag it and initiate the activation process, the receivable will show that the code will be submitted for activation, which takes up to 2 business days.

A few RBI purpose codes are not supported on Xflow and will be rejected outright, specifically P0401 (Compensation of employees), P0306 (Other travel), and P1108. If you're unsure whether a particular code applies to your business, it's worth checking with our team before submitting.

Multiple purpose codes are fully supported on Xflow because the platform is designed for businesses whose revenue doesn't fit neatly into one category. Sign up to get started, or reach out to support@xflowpay.com if you'd like help identifying the right purpose codes for your business.