Payout

• Support payout to over 180 countries in 30+ currencies, including CNY payout in Mainland China.
• You can select your entity as the payer or process payments on behalf of (POBO) your sub-accounts, for more detail: COBO & POBO
• You can create Recipients (Beneficiary) prior to initiating the payout to streamline and expedite the entire payout process.

Supported Regions and Currencies

• Here are the Supported Regions and Currencies

Payout status flowchart

flowchart TD
    A(("Submit Payout"))
    RTS["Status: READY_TO_SEND<br><small>The payout has been validated and is ready for processing.</small>"]
    PEN["Status: PENDING<br><small>The payout is currently being processed by the system.</small>"]
    APP{"Risk system check, Apporve / Reject?"}
    RFIQ{"Enough information?"}
    RFI["Request for more information"]
    RFIA["Merchant provide more information"]
    REJ["Status: REJECTED<br><small>The payout was rejected due to validation or compliance requirements not being met.</small>"]
    FAI["Status: FAILED<br><small>The payout process encountered an error and could not be completed.</small>"]
    PRO{"Process transaction<br>Pass / Fail?"}
    COM["Status: COMPLETED<br><small>The payout has been successfully processed and funds have been transferred.</small>"]
    CHA{"Recipient side response<br>Abnormal / Completed?"}
    RET(("Refund flow"))
    NRET(("No need to refund"))

    A --> RTS
    RTS --> PEN
    PEN --> RFIQ
    RFIQ -- "NO" ---> RFI
    RFIQ -- "YES" ---> APP
    RFI --> RFIA
    RFIA --> RFIQ    
    REJ --> RET
    FAI --> RET
    APP -- "Rejected"---> REJ
    APP -- "Approved"---> PRO
		PRO -- "Success"---> COM
    PRO -- "Fail"---> FAI
    COM --> CHA
    CHA -- "Completed"---> NRET
    CHA -- "Abnormal"---> FAI
    


    %% Optional styling for clarity
    style PEN fill:#DBEDFB, color:#000000;
    style COM fill:#c8e6c9, color:#000000;
    style REJ fill:#ffcdd2,color:#000000;
    style FAI fill:#ffcdd2,color:#000000;

⚠️ PS: The "Completed" status may still be updated to the "Failed" based on the response from the recipient side.

Payout Time Sequence Diagram

sequenceDiagram
    actor Merchant
    participant System
    participant RiskSystem
    participant Recipient

    Merchant->>System: Submit Payout
    System->>System: Status: READY_TO_SEND
    System->>System: Status: PENDING
    System->>RiskSystem: Check for sufficient information
    alt Enough Information?
        RiskSystem-->>System: YES
        System->>RiskSystem: Perform risk check (Approve/Reject?)
        alt Risk Check Outcome
            RiskSystem-->>System: Approved
            System->>Recipient: Process transaction
            alt Transaction Outcome
                Recipient-->>System: Success
                System->>System: Status: COMPLETED
                System->>Recipient: Verify recipient response
                alt Recipient Response
                    Recipient-->>System: Completed
                    System->>System: No need to refund
                else Abnormal
                    Recipient-->>System: Abnormal
                    System->>System: Status: FAILED
                    System->>System: Initiate Refund flow
                end
            else Fail
                Recipient-->>System: Fail
                System->>System: Status: FAILED
                System->>System: Initiate Refund flow
            end
        else Rejected
            RiskSystem-->>System: Rejected
            System->>System: Status: REJECTED
            System->>System: Initiate Refund flow
        end
    else Not Enough Information
        RiskSystem-->>System: NO
        System->>Merchant: Request for more information
        Merchant->>System: Provide more information
        System->>RiskSystem: Re-check information
    end

⚠️ PS: The "Completed" status is not the final state, it may still be updated to the "Failed".

API Doc

Create Payout