> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# B2C and C2C - UnionPay

## B2C - Business to Customer \[Payroll]

|                                                       |                                                                                                                                        |
| ----------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| **Supported Modes**                                   | B2C (Payroll)                                                                                                                          |
| **Supported Currencies**                              | CNY                                                                                                                                    |
| **Network Participant**                               | UnionPay                                                                                                                               |
| **Channels**                                          | Major banks in China                                                                                                                   |
| **Cutoff for Initiating Payout**                      | No cut off                                                                                                                             |
| **Mandatory Data Requirements for Merchant / Entity** | Payer Full Name (Company Name), Nationality                                                                                            |
| **Mandatory Data Requirements for Beneficiary**       | Chinese Name, Chinese ID (National Identification Number), Phone Number, Account holder Name (as per the bank account), Account number |
| **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                                                                                                                                 |
| **Employer Onboarding**                               | Required at the time of employer whitelisting. 2–3 employment contracts with the employees are needed to get the employer whitelisted. |

***

## C2C - Customer to Customer \[Self, Family Support]

|                                                       |                                                                                                                                                                              |
| ----------------------------------------------------- | ---------------------------------------------------------------------------------------------------------------------------------------------------------------------------- |
| **Supported Modes**                                   | C2C                                                                                                                                                                          |
| **Supported Currencies**                              | CNY                                                                                                                                                                          |
| **Network Participant**                               | UnionPay                                                                                                                                                                     |
| **Channels**                                          | Major banks in China                                                                                                                                                         |
| **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 |
| **Mandatory Data Requirements for Beneficiary**       | Chinese Full Name, Chinese ID (National Identification Number), Phone Number, Chinese Account holder Name (as per the bank account), Account number, Address                 |
| **Supporting Documents**                              | NA                                                                                                                                                                           |
| **Beneficiary Statement Narrative**                   | Ultimate Remitter (passed in the reference field but not guaranteed)                                                                                                         |
| **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                                                                                                                                                               |