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## Summary

**Payment scheme note in bank transfer instructions**: The [Get Bank Transfer Instructions](/api-reference/customers/api-integration/payments/get-payment-bank-transfer-instructions) response now includes an optional `payment_scheme_note` field.

## Enhancements

### [Get Bank Transfer Instructions](/api-reference/customers/api-integration/payments/get-payment-bank-transfer-instructions)

* **Endpoint**: `GET /v3/customers/{customer_id}/payments/{payment_id}/bank-transfer-instructions`
* **New field**: `payment_scheme_note` (string, optional)
* **Purpose**: Guidance on which payment schemes the beneficiary account accepts
* **Behaviour**: Varies by the [`from_country`](/api-reference/customers/api-integration/payments/get-payment-bank-transfer-instructions#request.query.from_country) query parameter, and may be absent. When absent, the field is omitted from the response rather than returned as `null`

This is distinct from `payment_reference.disclaimer`, which explains why the payment reference must be included for the payment to be processed and reconciled.

All other fields in the response are unchanged. This is a backwards-compatible addition.

**Example response:**

```json
{
  "payment_method": "international_transfer",
  "amount": {
    "currency": "GBP",
    "value": 1000.45
  },
  "account_details": {
    "name": "Currencies Direct Inc",
    "address": "4705 South Apopka-Vineland Road, Suite 114, Orlando, Florida, 32819 USA"
  },
  "bank_details": {
    "name": "Barclays",
    "address": "1 Churchill Place, Canary Wharf, London, United Kingdom",
    "routing_codes": [
      {
        "type": "IBAN",
        "value": "GB06BARC20199075274900",
        "label": "IBAN"
      },
      {
        "type": "SWIFTBIC",
        "value": "BARCGB22",
        "label": "SWIFTBIC"
      }
    ]
  },
  "payment_reference": {
    "value": "ABCD123456",
    "label": "Payment reference",
    "disclaimer": "Always include this payment reference – it tells us the money has come from you."
  },
  "payment_scheme_note": "Please note: This account only accepts FPS, BACS and CHAPS payments. FPS payments are available for amounts up to £1 million."
}
```

## Integration Notes

Check for the presence of the key before rendering it. Clients that ignore unknown fields require no change.