Payment on behalf of (POBO)

Without POBO, the recipient's bank statement shows the provider's name. A supplier expecting money from a particular buyer may not recognise the payment, which leads to queries, delayed reconciliation and sometimes a returned payment.

With POBO, the payer name on the statement is the business or person who actually owes the money. This matters most for supplier payments, payroll and marketplace payouts, where the recipient matches incoming money against invoices.

Whether POBO is available depends on the rail. The Stables docs mark it for each payout currency and rail.