Update Payee

Overview

Updating a payee is used to modify existing recipient information. When the payee's address changes, account changes, or documents expire, you can update the relevant information through this interface.

Important Note

The update operation will not change beneficiaryId, only update the specific data information of the payee.

Applicable Scenarios

Scenario	Description	Example
Bank Information Change	Recipient has changed bank account	Account change, bank change
Address Update	Recipient has moved or address information is incorrect	Mailing address, contact address
Document Update	Document expiration requires update	ID card, passport validity period
Review Feedback Correction	Modify information based on review feedback	Supplement missing fields, correct errors
Regular Maintenance	Regularly update documents or certificates to maintain validity	Compliance maintenance

Operation Process

Step 1: Query Current Payee Information

1. Call query interface Payee Details Query Interface
2. Get current complete payee information
3. Confirm fields to be modified

Why Query First?

Querying first ensures you understand the current complete information, avoiding overwriting fields that don't need modification.

Step 2: Modify Necessary Fields

Prepare update data:

• Basic information (name, country)
• Account information (bank account number, bank code)

Step 3: Submit Update Request

1. Call update interface Update Payee Interface
2. Pass beneficiaryId + update fields
3. System verifies data legality
4. Upon passing verification, update successful

Update vs Recreate

Comparison	Update Payee	Recreate Payee
beneficiaryId	Remains unchanged	Will generate new ID
Historical Records	Retained	Lost
Associated Transactions	Maintain association	Need to re-associate
Applicable Scenario	Information change	Completely new payee
Recommendation Index	Five stars	Three stars

Recommendation

Unless it's a completely different payee, prioritize using the update interface rather than delete and recreate.

FAQ

Q1: After updating bank account, when can it be used for payment?

Answer

Takes effect immediately after successful update, can be used for payment right away.

Q2: Can only partial fields be updated?

Answer

Yes. You only need to pass the fields that need to be updated, other fields remain unchanged.

Q3: What if update fails?

Answer

Check the following:

1. Are required fields complete
2. Is data format correct
3. Does new data meet the requirements of the country/currency
4. Is signature correct

Q4: Will update operation affect payments in process?

Answer

No. Payments in process use information before the update, not affected.

Q5: Can updates be revoked?

Answer

Cannot be automatically revoked. If you need to restore, you need to call the update interface again with the original information.