Payout Scene | Payout Type | Purpose | RoutingType |
C2C Salary/Family Support | Personal Payout | • Salary: Paying self
• Family Support: Paying family | bank |
B2C Payroll | Personal Payout | • Corporate Payroll: Sender as employment company or payroll company. | bank |
C2C Goods/Service | Personal Payout | • Goods
• Service | alipay/wechat |
Flowchart of C2C Salary/Family Support Payment
Flowchart of B2C Payroll Payment
Required fields for Personal Payout scenarios
Field name | Field name (Chinese) | API Field Name | Description |
Order NO | 商户订单唯一编号 | orderNo | Merchant order unique number
Required | Example:
C2C Salary/Family Support: ✅ | 202401011234567
B2C Payroll: ✅ | 202401011234567
C2C Goods/Service: ✅ | 202401011234567 |
Source Currency | 付款币种 | sourceCurrency | Currently, we support USD, EUR, HKD, JPY, AUD, GBP, NZD, SGD, and CNY. If you have other requirements, please contact our account manager.
Required | Example:
C2C Salary/Family Support: ✅ | CNY
B2C Payroll: ✅ | CNY
C2C Goods/Service: ✅ | CNY |
sourceCurrency | |||
Payer ID | payerId | For payroll payments, provide the unique Payer ID to streamline the transaction process. By passing the Payer ID, you can bypass the need to fill out additional payer fields.
1. Payer Specific ID: If you already know the unique identifier of your payer, you can submit this ID directly. Example: 48192038512094850123478901234567
2. Company Name: Use the complete official full name of the company. Example: FutureHR Tech Pte. Ltd.
3. Registration Number: Input the company's official registration number. Example: 201345678K.
Required | Example:
C2C Salary/Family Support: 🔲 | 48192038512094850123478901234567
B2C Payroll: 🔲 | 201345678K
C2C Goods/Service: 🔲 | 48192038512094850123478901234567 | |
Payer Last Name (Chinese or English) | 付款人姓（中文或英文） | payer → lastName | Required | Example:
C2C Salary/Family Support: ✅ | CHEN
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | CHEN |
Payer First Name (Chinese or English) | 付款人名（中文或英文） | payer → firstName | Required | Example:
C2C Salary/Family Support: ✅ | DAWEN
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | DAWEN |
Payer Full Name | payer → fullName | If it is a payroll payment, please fill in the name of the company that pays the salary. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: ✅ | FutureHR Tech Pte. Ltd.
C2C Goods/Service: 🔲 | | |
Payer Nationality | 付款人国籍 | payer → nationality | 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 a Payroll Payment, please fill in the country of registration/resident country of the company that issues the salary. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: ✅ | CN
B2C Payroll: ✅ | SG
C2C Goods/Service: ✅ | CN |
Payer Bank Name (optional) | 付款人的本地银行名称（选填） | payer → accountInfo → bankName | Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: 🔲 |
C2C Goods/Service: 🔲 | |
Payer Bank Account No | 付款人的本地银行账号 | payer → accountInfo → number | If it is a Payroll Payment, please fill in the bank account number of the company that pays the salary. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: ✅ | 50437362
B2C Payroll: ✅ | 033-112-349876
C2C Goods/Service: ✅ | 50437362 |
Gender | 付款人性别 | payer → gender | Fill in Male for men and Female for women
Required | Example:
C2C Salary/Family Support: ✅ | Male
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Female |
Payer Occupation | 付款人的工作职业 | payer → occupation | You can refer to our recommended list, or provide the value in your system.
Required | Example:
C2C Salary/Family Support: ✅ | Marketing researcher
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Marketing researcher |
Payer ID Type | 付款人证件类型 | payer → idTYpe | Currently we support the following ID types, please choose one of them:
.idcard
.passport
.driver
.residence
.workpermit
.other
Required | Example:
C2C Salary/Family Support: ✅ | idcard
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | idcard |
ID Country Code | 证件所属国家 | payer → idCountry | ISO 3166-1 two-digit and three-digit codes are acceptable.
Required | Example:
C2C Salary/Family Support: ✅ | AU
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | SG |
Payer ID No | 付款人证件号码 | payer → idNumber | If it is Payroll Payment, please fill in the company registration number of the company that pays the salary. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: ✅ | E317765222
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 201345678K |
ID Issue Date | 证件签发日期 | payer → idIssueDate | Currently we support the following three date formats:
1. YYYY-MM-DD
2. YYYYMMDD
3. YYYY/M/DD
Required | Example:
C2C Salary/Family Support: ✅ | 2011-12-31
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 2011-12-31 |
ID Expire Date | 证件有效期 | payer → idExpiryDate | Currently we support the following three date formats:
1. YYYY-MM-DD
2. YYYYMMDD
3. YYYY/M/DD
Required | Example:
C2C Salary/Family Support: ✅ | 2031-12-31
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 2031-12-31 |
Payer Phone Number | 付款人手机号 | payer → phoneNumber | Required | Example:
C2C Salary/Family Support: ✅ | +61421992928
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | +61421992928 |
Payer Date of Birth | 付款人出生日期 | The format requirements are the same as "ID Expire Date"
If it is a payroll payment, fill in the company’s registration date. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: ✅ | 1971-12-31
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 1971-12-31 | |
Addressline1 | 详细住所 | payer → address → address | 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
Please provide the address of the company that issues the salary if it is a payroll payment. (Pass Payer ID to skip filling this field)
Required | Example:
C2C Salary/Family Support: ✅ | Unit 110 1 Pitt treetS
B2C Payroll:: ✅ | 50 Raffles Place, #30-01 Singapore Land Tower
C2C Goods/Service: ✅ | Unit 110 1 Pitt treetS |
City | 城市 | payer → address → city | same as above
Required | Example:
C2C Salary/Family Support: ✅ | Sydney
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Singapore |
District or State | 区或州 | payer → address → state | same as above
Required | Example:
C2C Salary/Family Support: ✅ | NSW
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Central Business District |
Post Code | 邮编 | payer → address → postCode | same as above
Required | Example:
C2C Salary/Family Support: ✅ | 2000
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 048623 |
Country Code | 国家代码 | payer → address → country | The payer's current country of residence
Required | Example:
C2C Salary/Family Support: ✅ | AU
B2C Payroll: ✅ | SG
C2C Goods/Service: ✅ | SG |
Source of Funds | 付款人资金来源 | fundsSource | 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
Required | Example:
C2C Salary/Family Support: ✅ | Employment income
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Employment income |
Relationship Between Payer and Payee | 付款人和收款人关系 | relationship | 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
Required | Example:
C2C Salary/Family Support: ✅ | Self
B2C Payroll: ✅ | Employment
C2C Goods/Service: ✅ | Self |
Transfer Purpose | 汇款目的 | purpose | At present, according to regulatory requirements, one of the following "Transfer Purpose" needs to be selected:
. FamilySupport
. Salary
. Payroll
. Goods
. Service
. …
Required | Example:
C2C Salary/Family Support: ✅ | Salary
B2C Payroll: ✅ | Payroll
C2C Goods/Service: ✅ | Goods |
Transfer Sub Purpose | 汇款子目的 | subpurpose | Sub Purpose of remittance
1. when the purpose is Goods:
- CLOTHES_BAGS_SHOES_CLOTHES
- DAILY_SUPPLIES_AND_COSMETICS
- ELECTRONICS_AND_HOME_APPLIANCES
- TOYS_KIDS_BABIES
2. when the purpose is Service:
- INTERPRETATION_SERVICE
- TRANSLATION_SERVICE
- HUMAN_RESOURCE_SERVICE
- ESTATE_AGENCY_SERVICE
- SOFTWARE_DEVELOPMENT_SERVICE
- WEB_DESIGN_OR_DEVELOPMENT_SERVICE
- DRAFTING_LEGAL_SERVICE
- LEGAL_RELATED_CERTIFICATION_SERVICE
- ACCOUNTING_SERVICE TAX_SERVICE
- ARCHITECTURAL_DECORATION_DESIGN_SERVICE
- ADVERTISING_SERVICE MARKET_RESEARCH_SERVICE
- EXHIBITION_BOOTH_SERVICE
- OTHER_SERVICE
Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | DAILY_SUPPLIES_AND_COSMETICS |
Target Currency | 收款币种 | targetCurrency | Currently, we support CNY, if you have other needs, you can contact our account manager.
Required | Example:
C2C Salary/Family Support: ✅ | CNY
B2C Payroll: ✅ | CNY
C2C Goods/Service: ✅ | CNY |
Target Amount | 收款金额 | targetAmount | Required | Example:
C2C Salary/Family Support: ✅ | 20000
B2C Payroll: ✅ | 20000
C2C Goods/Service: ✅ | 20000 |
Payee Full Name (Chinese) | 收款人姓名（中文） | beneficiary → fullName | 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.
Required | Example:
C2C Salary/Family Support: ✅ | 陈大文
B2C Payroll: ✅ | 陈大文
C2C Goods/Service: 🔲 | |
Payee FIrst Name (Pin Yin) | 收款人名字（Pin Yin） | beneficiary → firstName | Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | DaWen |
Payee Last Name (Pin Yin) | 收款人姓氏（Pin Yin） | beneficiary → lastName | Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | Chen |
Payee Gender | 收款人性别 | beneficiary → gender | Require the same gender value as the payer
Required | Example:
C2C Salary/Family Support: ✅ | Male
B2C Payroll: ✅ | Female
C2C Goods/Service: 🔲 | |
Payee Nationality | 收款人国籍 | beneficiary → nationality | ISO 3166-1 two-digit and three-digit codes are acceptable.
Required | Example:
C2C Salary/Family Support: ✅ | CN
B2C Payroll: ✅ | CN
C2C Goods/Service: 🔲 | |
Payee Occupation Minor Group | 收款人的工作职业小类别 | beneficiary → occupation | 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
Required | Example:
C2C Salary/Family Support: ✅ | Marketing researcher
B2C Payroll: ✅ | Marketing researcher
C2C Goods/Service: 🔲 | |
Payee Postcode | 收款人邮编 | beneficiary → address → postCode | optional
Required | Example:
C2C Salary/Family Support: ✅ | 193711
B2C Payroll: ✅ | 102311
C2C Goods/Service: 🔲 | |
Payee Province or State | 收款人省份或州 | beneficiary → address → state | Required | Example:
C2C Salary/Family Support: ✅ | Tian Jin
B2C Payroll: ✅ | Tian Jin
C2C Goods/Service: 🔲 | |
Payee City | 收款人城市 | beneficiary → address → city | Required | Example:
C2C Salary/Family Support: ✅ | Tian Jin
B2C Payroll: ✅ | Tian Jin
C2C Goods/Service: 🔲 | |
Payee Prefecture or District | 收款人县或区 | beneficiary → address → district | Required | Example:
C2C Salary/Family Support: ✅ | He Ping
B2C Payroll: ✅ | He Ping
C2C Goods/Service: 🔲 | |
Payee Addressline1 | 收款人详细住所 | beneficiary → address → address | Required | Example:
C2C Salary/Family Support: ✅ | DAGUBEILU 222HAO AIQINGGONGYU
B2C Payroll: ✅ | DAGUBEILU 222HAO AIQINGGONGYU
C2C Goods/Service: 🔲 | |
Payee Phone Number | 收款人手机号码 | beneficiary → phoneNumber | Please fill in the mobile phone number reserved by the bank
Required | Example:
C2C Salary/Family Support: ✅ | 1321019329111
B2C Payroll: ✅ | 1301319424112
C2C Goods/Service: 🔲 | |
Payee ID Card No | 收款人身份证号码 | beneficiary → idNumber | If you are using the Send_To_Bank_Accounts_Template_01 template, currently only Chinese mainland ID cards are supported.
Required | Example:
C2C Salary/Family Support: ✅ | 4109281989070941265
B2C Payroll: ✅ | 4109281989070941265
C2C Goods/Service: ✅ | 4109281989070941265 |
Chinese ID Start Date | 身份证有效期起 | beneficiary → idIssueDate | The format requirements are the same as "ID Expire Date"
Required | Example:
C2C Salary/Family Support: ✅ | 2010-01-21
B2C Payroll: ✅ | 2010-01-21
C2C Goods/Service: 🔲 | |
Chinese ID Expire Date | 身份证有效期止 | beneficiary → idExpiryDate | The format requirements are the same as "ID Expire Date"
Note: Long-term fill: 20991231
Required | Example:
C2C Salary/Family Support: ✅ | 2010-01-21
B2C Payroll: ✅ | 2010-01-21
C2C Goods/Service: 🔲 | |
Payee Bank Account No | 收款人银行账号 | beneficiary → accountInfo → number | 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.
Required | Example:
C2C Salary/Family Support: ✅ | 621529383736101111
B2C Payroll: ✅ | 621529383736101111
C2C Goods/Service: 🔲 | |
Beneficiary Wallet Type | 收款人电子钱包类型 | beneficiary → accountInfo → routingType | Required | Example:
C2C Salary/Family Support: 🔲 | bank
B2C Payroll: 🔲 | bank
C2C Goods/Service: ✅ | alipay / wechat |
Beneficiary Wallet ID | 收款人电子钱包ID | beneficiary → accountInfo → routingValue | Required | Example:
C2C Salary/Family Support: 🔲 |
B2C Payroll: 🔲 |
C2C Goods/Service: ✅ | 132029181431 |
Required fields for B2C Payroll Payment
Information released from the Payer ID of the employment company or payroll company.
Fill in the fields | Chinese | Description | Example |
Payer Full Name | If it is a payroll payment, please fill in the name of the company that pays the salary. | FutureHR Tech Pte. Ltd. | |
Payer Nationality | 付款人国籍 | If it is a Payroll Payment, please fill in the country of registration/resident country of the company that issues the salary | SGP |
Payer Bank Name (optional) | 付款人的本地银行名称（选填） | ||
Payer Bank Account No | 付款人的本地银行账号 | If it is a Payroll Payment, please fill in the bank account number of the company that pays the salary. | 033-112-349876 |
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 | Other |
ID Country Code | 证件所属国家 | ISO 3166-1 two-digit and three-digit codes are acceptable. | SGP |
Payer ID No | 付款人证件号码 | If it is a Payroll Payment, please provide the company registration number of the company that pays the salary. | 201345678K |
Payer Date of Birth | 付款人出生日期 | Please provide the address of the company that issues the salary if it is a payroll payment. | 2009-12-31 |
Addressline1 | 详细住所 | Please provide the address of the company that issues the salary if it is a payroll payment. | 50 Raffles Place, #30-01 Singapore Land Tower |
City | 城市 | same as above | Singapore |
District or State | 区或州 | same as above | Central Business District |
Post Code | 邮编 | same as above | 048623 |
Country Code | 国家代码 | The payer's current country of residence | Singapore |