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When a BFI needs more information about a sender or an OFI, they create a Request for Information (RFI). This additional information is required to meet regulatory or risk compliance checks. The OFI is required to gather the appropriate information and respond to the request in a set period of time. If the OFI does not respond in time, the payment associated with the RFI is cancelled. CPN defines 3 levels of RFI requests, each with a specific set of fields. The OFI is expected to include all fields specified by the level when responding to the RFI. Failure to provide the appropriate fields can lead to payment failure. The BFI can initiate an RFI at the following points of the payment process:
  1. At payment creation
  2. After the onchain transaction is complete, but before fiat payout
  3. After the payment is complete
Depending on the point in the process where the RFI is created, the OFI may be notified synchronously in an API response, or asynchronously by webhook. RFIs are typically resolved by returning the relevant information through the API. RFIs can also be raised and resolved through direct support tickets with CPN.