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The Payment Instruction locks all payment fields (amount, recipient, purpose) and shows the exact terms before the payer authorizes. That single, signed document travels with the transaction as an audit trail.

For banks: fewer misdirected payments and refund requests; cleaner ISO 20022-style metadata for screening and reconciliation; faster investigations because the Payment Instruction is definitive evidence of payer intent.
For card processors: lower dispute rates from typos or misunderstanding; better auth-to-capture match and clearer descriptors; easy evidence package for representment.