How can I identify the real merchant behind a IAT charge?

Check the originator name and foreign location listed in the extended description lines of the IAT transaction. Verify foreign vendor purchases, overseas family remittances, cross-border freelance income (e.g., from Upwork, Deel, or foreign payroll), or international subscription services. Ask your bank's wire/ACH operations department for the full IAT addenda record, which contains the originator's full street address and foreign banking details.

IAT (International ACH Transaction)

Q: What does IAT stand for on a bank statement?

IAT stands for International ACH Transaction. IAT designates cross-border ACH payments that involve a financial institution outside the territorial jurisdiction of the United States.

要約

IAT (International ACH Transaction). IAT designates cross-border ACH payments that involve a financial institution outside the territorial jurisdiction of the United States.

重要：このコードが意味しないもの

IAT is not an international roaming fee, foreign exchange surcharge, or bank penalty. It is an indicator that the initiating or receiving party's bank is located overseas.

IAT の詳細解説

IAT (International ACH Transaction) was established by Nacha in cooperation with the U.S. Department of the Treasury's Office of Foreign Assets Control (OFAC) to identify inbound and outbound international funds transfers.

Whenever money enters or leaves the U.S. ACH network involving a foreign bank, the transaction must carry the IAT SEC code along with specialized remittance and originator identification fields.

Financial institutions are legally required to perform enhanced OFAC sanctions screening and AML compliance verification on all IAT entries prior to posting.

実際の加盟店を特定する方法

ステップ 1 Check the originator name and foreign location listed in the extended description lines of the IAT transaction.
ステップ 2 Verify foreign vendor purchases, overseas family remittances, cross-border freelance income (e.g., from Upwork, Deel, or foreign payroll), or international subscription services.
ステップ 3 Ask your bank's wire/ACH operations department for the full IAT addenda record, which contains the originator's full street address and foreign banking details.

代表的な明細表記パターン

DEEL INC IAT PAYROLL UK
WISE PAYMENTS IAT REMIT
AIRBNB PAYMENTS IAT IRELAND
PAYONEER INC IAT XFER

検証ソース

Nacha: International ACH Transactions (IAT) Executive Summary https://achdevguide.nacha.org/ach-file-details
U.S. Department of the Treasury: OFAC Sanctions Compliance & IAT https://ofac.treasury.gov/faqs/topic/1506