Creates a new payout to a beneficiary. With development and support from SWIFT and local payment rails, you can make faster and more cost-effective international payments to your overseas corporate accounts, suppliers, and employees.
This API supports multiple payment modes, including standard payouts and Payment-On-Behalf-Of (POBO), enabling flexible and efficient fund management. Additionally, you can select the fee payment method to control how transaction fees are handled.
Usage Guidelines
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Supports payouts to over 180 countries in 30+ currencies, including CNY payouts in Mainland China.
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Sub-accounts for POBO transactions must be created in advance, and the account status must be active.
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To enable POBO mode, include the
x-on-behalf-ofparameter in the request header and specify the sub-account ID used for the payout. The beneficiary will see the customized payer name instead of the actual paying entity. -
Users can select the fee charge type by
fee_paid_byparameter to determine who covers transaction costs:SHARED– Transaction fees are split between payer and recipient; payer pays sending bank fees while recipient pays receiving bank fees.OURS– All transaction fees, including intermediary bank charges, are paid by the payer.
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There are two ways to specify the beneficiary:
- Using
beneficiary_id– If the beneficiary has already been created, provide thebeneficiary_idto reference an existing beneficiary. - Providing full beneficiary details – If the beneficiary has not been created before, include the full beneficiary information in the request. In this case, do not pass
beneficiary_id.
Note: A beneficiary will be created when full details are provided. For any future payouts to the same beneficiary, you should pass the corresponding
beneficiary_id, not the full details of beneficiary. - Using
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If you intend to make cross-currency payouts, you can refer to the Cross-Currency Guide for details and examples.
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