C2C - Customer to Customer
| Supported Modes | C2C |
| Supported Currencies | CNY |
| Network Participant | Alipay |
| Cutoff for Initiating Payout | No cut-off |
| Mandatory Data Requirements for Merchant / Entity | Source of Funds, First Name, Last Name, Nationality, ID type, ID number, ID expiry Date, ID issue date, ID country, Gender, Phone number, Date of Birth, Profession, Address, Relationship |
| Mandatory Data Requirements for Beneficiary | Chinese ID (National Identification Number), Phone Number (registered with Alipay), Address |
| Supporting Documents | NA |
| Beneficiary Statement Narrative | Ultimate Remitter |
| Limits | 50K CNY / *Maximum 5 transactions allowed to same beneficiary in a month / 600K CNY Annually |
| Settlement Time | Real time |
| Rail Availability | 24*7 |
| Allowed Purpose Codes | PYR030, PYR035 |
B2C - Business to Customer [Payroll]
| Supported Modes | B2C [Payroll] |
| Supported Currencies | CNY |
| Network Participant | Alipay |
| Channels | Major banks in China |
| Cutoff for Initiating Payout | No cut off |
| Mandatory Data Requirements for Merchant / Entity | Full Name, Nationality, Relationship |
| Mandatory Data Requirements for Beneficiary | Chinese ID (National Identification Number), Phone Number, Chinese Account holder Name (as per the bank account) |
| Supporting Documents | NA |
| Beneficiary Statement Narrative | Ultimate Remitter |
| Limits | 50K CNY / *Maximum 5 transactions allowed to same beneficiary in a month / 600K CNY Annually |
| Settlement Time | Real time |
| Rail Availability | 24*7 |
| Allowed Purpose Codes | PYR010 |
| Merchant Onboarding | Required |
Pay individual employees their salary directly to their UnionPay account or Alipay. This is strictly for payroll — not freelancer or one-off payments.