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Successful cross-border payments to China via Tazapay require specific parameters:
  • Beneficiary Name: Must be provided in Chinese characters.
  • Beneficiary Bank Name: Must be provided in Chinese characters.
  • National Identification Number: Mandatory for individual beneficiaries.
  • Logistics Tracking Details: Required information includes:
    • logistic_provider_name (mandatory)
    • logistic_provider_code (optional)
    • tracking_number (mandatory)
  • Invoice Upload: Mandatory for all payouts.
  • Contract Upload: Required for specific payout purpose codes (refer to table below):
CodeDescription
PYR001Payment for Services
PYR002Payment for Software
PYR004Travel Services
PYR005Vendor / Contractor Payouts
PYR007Investment in Shares
PYR008Purchase of Property
PYR009Repayment of Loans
PYR010Salary
PYR011Payment of Property Rental
PYR012Information Service Charges
PYR013Advertising & Public relations-related expenses
PYR014Royalty fees, trademark fees, patent fees, and copyright fees
PYR015Fees for brokers, front end fee, commitment fee, guarantee fee and custodian fee
PYR016Fees for advisors, technical assistance, and academic knowledge, including remuneration for specialists
PYR017Representative office expenses
PYR018Tax Payment
PYR020Construction costs/expenses
PYR021Insurance Premium
PYR023Insurance Claims Payment
PYR024Family Maintenance
PYR025Education-related student expenses
PYR026Medical Treatment
PYR027Donations
PYR028Mutual Fund Investment
PYR029Currency Exchange
PYR030User Withdrawal
PYR031Advance Payments for goods

​
Invoice Line Items (items)

The items field allows you to attach invoice line items to a payout. It is optional for most corridors, but is strongly advised when:
  • The payout purpose is PYR022 (General Goods Trades - Offline trade), and
  • The destination corridor is CN-CNY local.
Chinese regulators may require itemised goods details to verify cross-border trade payouts. Providing items with PYR022 payouts reduces the likelihood of compliance holds.

​
Item Object Fields

FieldTypeRequiredValidationDescription
namestringYesmax 512 charsName of the goods item
quantityintegerYes≥ 1Number of units
amountintegerYes> 0, minor unitsUnit price in the payout currency’s minor units
categorystringYesmust be "Goods"Item category — currently only Goods is accepted
descriptionstringNomax 512 charsOptional free-text description of the item
Note: amount is the unit price in minor units (e.g., 10000 = CNY 100.00). Multiply by quantity to get the line total.

​
Sample Request Body

curl --request POST \
     --url https://service-sandbox.tazapay.com/v3/payout \
     --header 'accept: application/json' \
     --header 'authorization: Basic XXXXXXxxxxxxxxXXXXX' \
     --header 'content-type: application/json' \
     --data '
{
  "beneficiary_details": {
    "destination_details": {
      "type": "bank",
      "bank": {
        "bank_codes": {
          "swift_code": "Testswift",
          "cnaps": "2749827482"
        },
        "account_number": "124353",
        "bank_name": "圳市腾",
        "country": "CN",
        "currency": "CNY"
      }
    },
    "name_local": "深圳市腾***有限公司",
    "name": "John Doe",
    "type": "individual",
    "national_identification_number": "1234567890" 
  },
  "purpose": "PYR028",
  "logistics_tracking_details": {
    "logistics_provider_name": "CargoWave",
    "logistics_provider_code": "CGW",
    "tracking_number": "924U798274"
  },
  "amount": 10000,
  "currency": "CNY",
  "holding_currency": "USD",
  "documents": [
    {
      "type": "invoice",
      "url": "sample_url"
    },
    {
      "type": "contract",
      "url": "sample_url"
    }
  ],
  "items": [
    {
      "name": "Electronic Components",
      "quantity": 5,
      "amount": 2000,
      "category": "Goods",
      "description": "Resistors and capacitors batch #A12"
    }
  ]
}
'

​
Sample Response Body

{
    "status": "success",
    "message": "",
    "data": {
        "amount": 10000,
        "balance_transaction": "btr_crv2q2hh1l071n2fjb70",
        "beneficiary": "bnf_crv2pf1h1l071n2fjapg",
        "beneficiary_details": {
            "address": null,
            "destination": "",
            "destination_details": {
                "bank": {
                    "account_number": "124353",
                    "account_type": "",
                    "bank_codes": {
                        "swift_code": "Testswift",
                        "cnaps": "2749827482"
                    },
                    "bank_name": "圳市腾",
                    "country": "CN",
                    "currency": "CNY",
                    "firc_required": false,
                    "purpose_code": ""
                },
                "type": "bank"
            },
            "national_identification_number": "361723721",
            "logistics_tracking_details": {
                "logistics_provider": {
                    "name": "Cargowave",
                    "code": "CGW"
                },
                "tracking_number": "924U798274"
            },
            "email": "",
            "name_local": "深圳市腾***有限公司",
            "name": "John Doe",
            "phone": null,
            "tax_id": "",
            "type": "individual"
        },
        "charge_type": "",
        "created_at": "2024-10-03T05:35:06.796479Z",
        "currency": "CNY",
        "documents": [
            {
                "type": "invoice",
                "url": "sample_url"
            },
            {
                "type": "contract",
                "url": "sample_url"
            }
        ],
        "holding_currency": "USD",
        "holding_fx_transaction": {
            "exchange_rate": 6.735621,
            "final": {
                "amount": 10000,
                "currency": "CNY"
            },
            "id": "fx_crv2q2gdj96g452dfo0g",
            "initial": {
                "amount": 1485,
                "currency": "USD"
            },
            "object": "fx_transaction"
        },
        "id": "pot_crv2q2hh1l071n2fjb6g",
        "metadata": null,
        "mt103": "",
        "object": "payout",
        "payout_fx_transaction": {
            "exchange_rate": 1,
            "final": {
                "amount": 10000,
                "currency": "CNY"
            },
            "id": "fx_crv2q2gdj96g452dfo00",
            "initial": {
                "amount": 10000,
                "currency": "CNY"
            },
            "object": "fx_transaction"
        },
        "purpose": "PYR007",
        "reference_id": "",
        "statement_descriptor": "",
        "status": "processing",
        "status_description": "",
        "tracking_details": null,
        "transaction_description": "",
        "type": "local"
    }
}

​
Important Note

  1. When creating a beneficiary via the Create Beneficiary API, ensure the national_identification_number is provided for individual beneficiaries. Failure to do so will result in payout creation failure. You will need to add a new beneficiary with the required information.
  2. Similarly. if the payout is created for an individual, we will need the company name to which they are associated in order to process. In addition, we will need them to share additional docs as well.