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CNY Payout – BANK TRANSFER (CUSTOMER)

This guide explains how to initiate CNY payouts to customer accounts via bank transfer 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 (Customer Bank Transfer)

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    Request Breakdown

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    Headers

    HeaderValue ExampleDescription
    x-api-keyAPI_KEYAPI authentication key

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    Form Data Parameters

    ParameterTypeDescription
    transactionJSONStringified JSON transaction payload

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    Transaction Object

    FieldTypeDescription
    quoteIdStringQuote ID from FX pricing
    transactionPinString6-digit security PIN
    remarkStringInternal reference note
    reasonStringTransaction purpose

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    Recipient Object (Business)

    FieldTypeDescription
    nameStringLegal business name
    firstNameStringContact first name
    idTypeStringID type (ID_CARD)
    idNumberStringGovernment-issued ID
    mobileNumberStringContact number with country code
    relationshipStringRecipient relationship (EMPLOYEE)
    typeStringEntity type (BUSINESS)
    invoiceNoStringBusiness invoice reference (optional)
    paymentChannelStringPayment method (BANK_TRANSFER)
    currencyStringTransaction currency (CNY)
    countryStringCountry code (CN)
    storedBooleanSave recipient details

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    Account Object

    FieldTypeDescription
    nameStringAccount holder name
    accountNumberStringCorporate bank account number
    typeStringAccount type (INDIVIDUAL)

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    Success Response (200 OK)

    Returns a JSON response confirming the transaction was processed successfully. 
    {
  "message": "Payout initiated successfully",
  "status": "success",
  "data": {
    "transactionId": "txn_1234567890abcdef",
    "quoteId": "qte_0987654321fedcba",
    "status": "PENDING",
    "created": "2025-05-20T12:00:00.000Z"
  }
}

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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