diff --git a/content/docs/integration-guidance/api-reference/payment_intent_network.md b/content/docs/integration-guidance/api-reference/payment_intent_network.md
index 7e41391..bc88a90 100644
--- a/content/docs/integration-guidance/api-reference/payment_intent_network.md
+++ b/content/docs/integration-guidance/api-reference/payment_intent_network.md
@@ -80,7 +80,12 @@ The beneficiary provider will receive a PaymentIntentUpdate notification
 with settlement details.
 
 
-This message has no fields defined.
+| Field | Type | Label | Description |
+| ----- | ---- | ----- | ----------- |
+| settlement_amount | [tzero.v1.common.Decimal](../common_common/#tzero-v1-common-Decimal) |  | The settlement amount in USD that the pay-in provider owes the beneficiary provider for this payment intent. Locked from the chosen quote at confirm-time as (payment_amount / rate) − fix. |
+| rate | [tzero.v1.common.Decimal](../common_common/#tzero-v1-common-Decimal) |  | USD/<pay-in currency> exchange rate locked in for this settlement. Matches the rate forwarded to the beneficiary in PaymentIntentUpdate.FundsReceived. |
+| fix | [tzero.v1.common.Decimal](../common_common/#tzero-v1-common-Decimal) |  | Flat USD charge retained by the pay-in provider per transfer, already subtracted from settlement_amount. Surfaced so the pay-in provider can audit the settlement formula: settlement = (payment_amount / rate) − fix. |
+
 
 
 
@@ -379,6 +384,7 @@ This message has no fields defined.
 | REJECT_REASON_PROVIDER_NOT_ALLOWED | 30 |  |
 | REJECT_REASON_AMOUNT_TOO_SMALL | 40 | The pay-in amount would yield a zero or negative beneficiary settlement (pay_in / rate − fix) at every active quote. |
 | REJECT_REASON_NO_VALID_OFFER | 50 | The (pay-in provider, payment method) tuple was not offered on this intent. Either the intent was rejected during creation, or this provider's GetPaymentDetails response was invalid for the requested method. |
+| REJECT_REASON_TRANSACTION_REFERENCE_ALREADY_USED | 60 | Transaction_reference is already attached to a different pay-in with the same payment_method. References must be unique per payment_method; retry with a fresh transaction_reference, or treat the prior pay-in as the authoritative confirmation. |
 
 
 
diff --git a/content/docs/integration-guidance/api-reference/payment_intent_pay_in_provider.md b/content/docs/integration-guidance/api-reference/payment_intent_pay_in_provider.md
index 98fcc5c..86c2452 100644
--- a/content/docs/integration-guidance/api-reference/payment_intent_pay_in_provider.md
+++ b/content/docs/integration-guidance/api-reference/payment_intent_pay_in_provider.md
@@ -48,6 +48,7 @@ Request for payment details.
 | currency | [string](../scalar/#string) |  | The currency for the pay-in. ISO 4217 currency code (e.g., "EUR", "GBP", "KES"). |
 | amount | [tzero.v1.common.Decimal](../common_common/#tzero-v1-common-Decimal) |  | The amount to be paid in the specified currency. |
 | travel_rule | [GetPaymentDetailsRequest.TravelRuleData](#tzero-v1-payment_intent-GetPaymentDetailsRequest-TravelRuleData) |  | Travel rule data for this payment |
+| beneficiary_provider_id | [uint32](../scalar/#uint32) |  | The T-0 provider ID of the beneficiary provider (the FI the funds are destined for). Stable, opaque identifier — pay-in providers can use this directly to resolve the beneficiary in their own systems. |
 
 
 
diff --git a/proto/tzero/v1/payment_intent/network.proto b/proto/tzero/v1/payment_intent/network.proto
index 59e906b..fa800fe 100644
--- a/proto/tzero/v1/payment_intent/network.proto
+++ b/proto/tzero/v1/payment_intent/network.proto
@@ -489,7 +489,45 @@ message ConfirmFundsReceivedResponse {
    * The beneficiary provider will receive a PaymentIntentUpdate notification
    * with settlement details.
    */
-  message Accept {}
+  message Accept {
+    /**
+     * The settlement amount in USD that the pay-in provider owes the
+     * beneficiary provider for this payment intent. Locked from the chosen
+     * quote at confirm-time as (payment_amount / rate) − fix.
+     */
+    tzero.v1.common.Decimal settlement_amount = 10 [
+      (buf.validate.field).required = true,
+      (buf.validate.field).cel = {
+        message: "settlement_amount must be greater than zero"
+        expression: "this.unscaled > 0"
+      }
+    ];
+
+    /**
+     * USD/<pay-in currency> exchange rate locked in for this settlement.
+     * Matches the rate forwarded to the beneficiary in PaymentIntentUpdate.FundsReceived.
+     */
+    tzero.v1.common.Decimal rate = 20 [
+      (buf.validate.field).required = true,
+      (buf.validate.field).cel = {
+        message: "rate must be greater than zero"
+        expression: "this.unscaled > 0"
+      }
+    ];
+
+    /**
+     * Flat USD charge retained by the pay-in provider per transfer,
+     * already subtracted from settlement_amount. Surfaced so the pay-in
+     * provider can audit the settlement formula: settlement = (payment_amount / rate) − fix.
+     */
+    tzero.v1.common.Decimal fix = 30 [
+      (buf.validate.field).required = true,
+      (buf.validate.field).cel = {
+        message: "fix must be non-negative"
+        expression: "this.unscaled >= 0"
+      }
+    ];
+  }
 
   /**
    * Funds rejected.
@@ -514,6 +552,13 @@ message ConfirmFundsReceivedResponse {
        * the requested method.
        */
       REJECT_REASON_NO_VALID_OFFER = 50;
+      /**
+       * Transaction_reference is already attached to a different pay-in
+       * with the same payment_method. References must be unique per
+       * payment_method; retry with a fresh transaction_reference, or
+       * treat the prior pay-in as the authoritative confirmation.
+       */
+      REJECT_REASON_TRANSACTION_REFERENCE_ALREADY_USED = 60;
     }
   }
 }
diff --git a/proto/tzero/v1/payment_intent/pay_in_provider.proto b/proto/tzero/v1/payment_intent/pay_in_provider.proto
index 4a9287b..1170efb 100644
--- a/proto/tzero/v1/payment_intent/pay_in_provider.proto
+++ b/proto/tzero/v1/payment_intent/pay_in_provider.proto
@@ -75,6 +75,13 @@ message GetPaymentDetailsRequest {
    */
   TravelRuleData travel_rule = 60  [(buf.validate.field).required = true];
 
+  /**
+   * The T-0 provider ID of the beneficiary provider (the FI the funds are
+   * destined for). Stable, opaque identifier — pay-in providers can use this
+   * directly to resolve the beneficiary in their own systems.
+   */
+  uint32 beneficiary_provider_id = 70 [(buf.validate.field).uint32.gt = 0];
+
   message TravelRuleData {
     /**
      * The natural or legal person or legal arrangement who is identified