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CNY Payout – BANK TRANSFER (BUSINESS)

This guide explains how to initiate CNY payouts via bank transfer to business accounts using the meCash API. Requests must be sent as multipart/form-data with a stringified JSON payload under the transaction field.

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Endpoint

POST {{baseURL}}/v1/payout
HeaderValueRequired
x-api-keyYOUR_API_KEY✅ Yes

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Example Request (Business Bank Transfer)

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    Successful Response (200 OK)

    {
    "message": "transaction created successfully",
    "status": "success",
    "data": {
        "id": "cb9c1def-ed41-44db-9e9e-xxxxxxxxxxxxx",
        "remark": "Testing",
        "reason": "Gift",
        "referenceNumber": "OK0JPSRYFNFVF",
        "type": "SEND",
        "state": "PROCESSING",
        "quote": {
            "id": "1813914b-6ddd-498d-89a6-b947bf9e59cd",
            "source": {
                "currency": "NGN",
                "country": "NG",
                "amount": 3000.00
            },
            "target": {
                "currency": "CNY",
                "country": "CN",
                "amount": 12.93
            },
            "rate": 232.00000000,
            "fee": {
                "amount": 5.00
            },
            "summary": {
                "total": 3005.00
            },
            "expiresInSeconds": 0
        },
        "recipient": {
            "name": "sad sada",
            "firstName": "王",
            "lastName": "坤",
            "idType": "ID_CARD",
            "idNumber": "91510104MA6A3FYD7B",
            "mobileNumber": "+123 456789",
            "city": "NEW YORK CITY",
            "address": "usa",
            "countryName": "US",
            "relationship": "SELF",
            "type": "BUSINESS",
            "invoiceNo": "12345613",
            "account": {
                "name": "北京华海潮商贸有限责任公司",
                "accountNumber": "6222040000030016",
                "type": "COMPANY",
                "sortCode": "003",
                "bankName": "STANDARD CHARTERED BANK (HONG KONG) LIMITED"
            },
            "paymentChannel": "BANK_TRANSFER",
            "currency": "CNY",
            "country": "CN"
        },
        "created": "2025-05-19T21:13:20.527698839",
        "processed": "2025-05-19T21:13:20.527698839"
    }
}

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    Response Breakdown

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    General Information

    FieldTypeDescription
    messageStringTransaction status message
    statusStringOperation status (success/error)

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    Transaction Data

    FieldTypeDescription
    idStringUnique transaction ID
    remarkStringInternal reference note
    reasonStringTransaction purpose
    referenceNumberStringTracking reference
    typeStringAlways SEND
    stateStringCurrent status
    createdStringISO 8601 creation time
    processedStringISO 8601 processing time

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    Business Recipient Details

    FieldTypeDescription
    recipient.idTypeStringID type (ID_CARD)
    recipient.idNumberStringGovernment ID number
    recipient.mobileNumberStringContact number
    recipient.cityStringBusiness location
    recipient.addressStringPhysical address
    recipient.countryNameStringCountry of operation
    recipient.invoiceNoStringBusiness invoice reference

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    Corporate Account Details

    FieldTypeDescription
    account.nameStringRegistered company name
    account.accountNumberStringCorporate account number
    account.typeStringCOMPANY
    account.sortCodeStringBank branch code
    account.bankNameStringRecipient bank name

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    Error Handling

    Status CodeMeaningExample ResponseHow to Handle
    400Invalid Bank DetailsInvalid sort code for bankVerify bank routing information
    400ID Validation FailedInvalid business registration IDCheck government-issued ID
    400Invalid Transaction PINInvalid transaction authorizationVerify 6-digit PIN
    400Business Info MismatchAccount name mismatch with registrationEnsure names match official records