Required fields for scenarios

Fill in the fields	Chinese	Description	Required (C2C Salary/Family Support Payment)	Example (C2C Salary/Family Support Payment)	Required (B2C Payroll Payment)	Example (B2C Payroll Payment)
Source Currency	付款币种	Currently, we support USD, EUR, HKD, JPY, AUD, GBP, NZD, SGD, and CNY. If you have other requirements, please contact our account manager.	✅	AUD	✅	SGD
~~Source Amount (optional)~~	~~付款金额 (选填)~~
Payer Last Name (Chinese or English)	付款人姓（中文或英文）		✅	CHEN
Payer First Name (Chinese or English)	付款人名（中文或英文）	If it is payroll payment, please fill in the name of the company that pays the salary.	✅	DAWEN	✅	FutureHR Tech Pte. Ltd.
Payer Nationality	付款人国籍	ISO 3166-1 two-digit and three-digit codes are acceptable. Note: ISO 3166-1 https://en.wikipedia.org/wiki/ISO_3166-1 If it is Payroll Payment, please fill in the country of registration/resident country of the company that issues the salary	✅	CHN	✅	SGP
Payer Bank Name (optional)	付款人的本地银行名称（选填）		🔲	COMMONWEALTH BANK OF AUSTRALIA
Payer Bank Account No	付款人的本地银行账号	If it is Payroll Payment, please fill in the bank account number of the company that pays the salary	✅	50437362	✅	033-112-349876
Gender	付款人性别	Fill in Male for men and Female for women	✅	Male
Payer Occupation	付款人的工作职业	You can refer to our recommended list, or provide the value in your system.	✅	Marketing researcher
Payer ID Type	付款人证件类型	Currently we support the following ID types, please choose one of them: .idcard .passport .driver .residence .workpermit .other	✅	Passport	✅	Other
ID Country Code	证件所属国家	ISO 3166-1 two-digit and three-digit codes are acceptable.	✅	AUS	✅
Payer ID No	付款人证件号码	If it is Payroll Payment, please fill in the company registration number of the company that pays the salary	✅	E317765222	✅	201345678K
ID Expire Date	证件有效期	Currently we support the following three date formats: 1. YYYY-MM-DD 2. YYYYMMDD 3. YYYY/M/DD	✅	2031-12-31
Payer Phone Number	付款人手机号		✅	+61421992928
Payer Date of Birth	付款人出生日期	The format requirements are the same as "ID Expire Date"	✅	1964-12-19
Addressline1	详细住所	You can refer to the list of the regions of the People's Republic of China, where you can fill in the Chinese or pinyin of the region. https://public.tratao.com/resources/16738635804257570.csv If it is Payroll Payment, please fill in the address of the company that issues the salary	✅	Unit 110 1 Pitt treetS	✅	50 Raffles Place, #30-01 Singapore Land Tower
City	城市	same as above	✅	Sydney	✅	Singapore
District or State	区或州	same as above	✅	NSW	✅	Central Business District
Post Code	邮编	same as above	✅	2000	✅	048623
Country Code	国家代码	The payer's current country of residence	✅	AUS	✅	Singapore
Source of Funds	付款人资金来源	Currently, according to regulatory requirements, one of the following "Source of Funds" needs to be selected: . Employment income . Business Income . Part-time income . Saving deposits	✅	Employment income
Relationship Between Payer and Payee	付款人和收款人关系	Currently, according to regulatory requirements, one of the following "Relationship Between Payer and Payee" needs to be selected: . Self . Spouse . Parent . Children . Sibling . Grandparent . Grandchildren . Employment	✅	Self	✅	Employment
Transfer Purpose	汇款目的	At present, according to regulatory requirements, one of the following "Transfer Purpose" needs to be selected: . FamilySupport . Salary . Payroll	✅	Salary	✅	Payroll
Target Currency	收款币种	Currently, we support CNY, if you have other needs, you can contact our account manager.	✅	CNY	✅	CNY
Target Amount	收款金额		✅	20000	✅	20000
Payee Full Name (Chinese)	收款人姓名（中文）	If you are using the template Send_To_Bank_Accounts_Template_01, the name here must be in Chinese. Note: Please keep the same with the bank account name.	✅	陈大文	✅	陈大文
Payee Gender	收款人性别	Require the same gender value as the payer	✅	Male	✅	Male
Payee Nationality	收款人国籍	ISO 3166-1 two-digit and three-digit codes are acceptable.	✅	CHN	✅	CHN
Payee Occupation Minor Group	收款人的工作职业小类别	Note: According to regulatory requirements, please be sure to select and fill in according to our requirements. Please refer to the Payee Occupation List below	✅	Marketing researcher	✅	Marketing researcher
Payee Postcode	收款人邮编	optional	✅		✅
Payee Province or State	收款人省份或州		✅	Tian Jin	✅	Tian Jin
Payee City	收款人城市		✅	Tian Jin	✅	Tian Jin
Payee Prefecture or District	收款人县或区		✅	He Ping	✅	He Ping
Payee Addressline1	收款人详细住所		✅	DAGUBEILU 222HAO AIQINGGONGYU 2210	✅	DAGUBEILU 222HAO AIQINGGONGYU 2210
Payee Phone Number	收款人手机号码	Please fill in the mobile phone number reserved by the bank	✅		✅
Payee ID Card No	收款人身份证号码	If you are using the Send_To_Bank_Accounts_Template_01 template, currently only Chinese mainland ID cards are supported.	✅	4109281989070941265	✅	4109281989070941265
Chinese ID Start Date	身份证有效期起	The format requirements are the same as "ID Expire Date"	✅	2010-01-21	✅	2010-01-21
Chinese ID Expire Date	身份证有效期止	The format requirements are the same as "ID Expire Date" Note: Long-term fill: 20991231	✅	2025-01-23	✅	2025-01-23
Payee Bank Account No	收款人银行账号	Currently, we support [UnionPay Debit Cards] issued by more than 500 mainstream banks in China, whether it is China's four major state-owned banks, city commercial banks, and rural credit cooperatives in various places. Note： . Credit cards are not supported for cross-border collection. . A very small number of payees [UnionPay debit card] will fail to collect money if they are in a frozen state.	✅	621529383736101111	✅	621529383736101111

C2C Salary/Family Support Payment

%%{init: {'theme': 'base', 'themeVariables': { 'primaryColor': '#FF9994', 'primaryTextColor': '#011234', 'lineColor': '#011234', 'fontSize': '16px' }}}%% sequenceDiagram actor S as Payer participant P as Partner participant X as xCurrency Hubs actor R as Payee S->>P:Enters Recipient Info and transfer amount P->>X: 1.Fetch Fx Rate:/global/payout/rate/query/price P->>X: 2.Request transfer with rate queryNo:/global/payout/transfer/create S-->>P: Upload Docs for transaction P-->>X: 3.Request upload:/global/payout/transfer/upload/multipart(Multiple) P-->>X: 4.Request upload:/global/payout/transfer/upload/completed X->>X: AML Check X->>P: 5.Status Update X-->>P:Return request result P-->>S: Request Confirmation S->>S:If OK,proceed with transfer.If fail, correct entered info X->>X:Check Parnter's Balance X->>R: Payout # Paying Agent processes the transfer and then sends to the transfer result to the Beneficiary. # Paying Agent processes the transfer, completes internal checks such as KYC and AML screening on the Recipient, then credit the amount to recipient X->>P:6.Status Update P-->>S:Notify Result # Sender agent sends the transfer result to sender. #Sender Agent sends the transfer result notification to Sender

B2C Payroll Payment

%%{init: {'theme': 'base', 'themeVariables': { 'primaryColor': '#FF9994', 'primaryTextColor': '#011234', 'lineColor': '#011234', 'fontSize': '16px' }}}%% sequenceDiagram participant Payer as Overseas Employer participant Partner as Our Partner participant MC as xCurrency Hubs participant Worker as Worker Himself Payer->>Partner: Submit application materials for salary remittance Partner->>MC: Collect and submit salary remittance review materials MC->>MC: Review KYB (Payer) and KYC (Payee), maintain whitelist MC-->>Partner: Return review results Payer->>Partner: Pay salary remittance funds Payer->>Partner: Initiate employee salary payment request Partner->>MC: Initiate salary remittance based on whitelist Note over MC: Sub-process of C2C Salary/Family Support Payment MC->>Worker: Pay salary to worker

We provide you with two collection modes for Payee in C2C Salary/Family Support Payment: a Classic mode and a Xpress mode.

In Classic mode, these are required:

Payee Full Name (Chinese)

Payee Gender
Payee Occupation
Payee Address

Payee Phone Number

Payee ID Card No

ID Start/Expire Date
ID Images (front & back)

Payee Bank Card No

In Xpress mode, these are required:

Payee Full Name (Chinese)

Payee Phone Number

Payee ID Card No

Payee Bank Card No

Introduction Developer Guide API Reference Changelog Appendix