Create Payer
Overview
The create payer interface allows institutions to customize payer information in the Payout business to represent their subordinate businesses or individuals in initiating payments. The institution acts as the integrator connecting with Onerway, but in the entire payment transaction, the institution's identity is not displayed externally; what is displayed externally is the institution's customized payer.
What is a Payer?
A payer is the institution's customized, externally displayed payment entity:
- Institution: The integrator connecting with Onerway, responsible for initiating payment requests, but externally invisible
- Payer: The payment entity information customized by the institution, representing its subordinate businesses or individuals, is the actual externally displayed payment source
- Association Relationship: The backend automatically maintains the association relationship between the institution and payer, ensuring permission isolation and data security
- Flexible Customization: Institutions can flexibly customize payer information according to actual business needs
Applicable Scenarios
| Scenario | Description | Example |
|---|---|---|
| Financial Institution Payment on Behalf | Banks or payment institutions initiate payments on behalf of their corporate clients | Banks initiate salary payments, supplier payments on behalf of corporate clients |
| Financial Outsourcing Services | Financial service providers handle payments on behalf of client businesses | Financial agency companies handle accounts payable for multiple businesses |
| Payroll Distribution Platform | Human resources service providers distribute salaries to employees on behalf of businesses | HR SaaS platform distributes salaries for resident businesses |
| Supply Chain Finance | Core businesses conduct fund settlements on behalf of upstream and downstream businesses | Supply chain platform settles for suppliers, distributors |
| Cross-border E-commerce Platform | Platform pays suppliers or service providers on behalf of sellers | Cross-border e-commerce pays logistics fees on behalf of merchants |
Why Customize Payer?
Traditional Direct Payment Mode:
- Businesses connect payment channels themselves
- Businesses pay recipients directly
Institution Payout Mode:
- Institution connects with Onerway uniformly
- Institution customizes payer (representing subordinate business A) → Pay recipient in the name of business A
- Institution customizes payer (representing subordinate business B) → Pay recipient in the name of business B
- Institution customizes payer (representing individual C) → Pay recipient in the name of individual C
- In the entire payment transaction, the institution's identity is not displayed externally
Advantages of Customizing Payer
- Lower Integration Cost - Subordinate businesses/individuals do not need to integrate separately, managed uniformly by institution
- Real Payment Entity - Externally displays the real business or individual represented by the institution, aligning with business substance
- Automatic Association Management - Backend automatically maintains association relationship between institution and payer, ensuring permission isolation and data security
- Flexible Customization - Institution can flexibly customize payer information according to actual business needs
- Compliant and Transparent - Payment records, statements, etc. all display the customized payer, meeting regulatory requirements
Operation Process
Step 1: Prepare Payer Information
Institution customizes payer information for its represented subordinate businesses or individuals according to business needs Add Payer Interface:
Key Information for Business Payer:
Basic Information
- companyName / companyNameEn (Company name / Company English name, required for business)
- subEntityType (Type: "0" company)
Registration and Address Information
- country (Country)
- addressEn1, addressEn2, addressEn3 (Registered address)
- registerNo (Registration number, required for business)
- registerDate (Registration date, required for business)
- postcode (Postal code)
- state (State), city (City)
Contact and Communication
- email (Email)
- areaCode (Area code)
- phoneNumber (Phone number)
ID and Compliance Information
- idType (ID type)
- idNumber (ID number)
- idValidDateFrom (ID valid from)
- idValidDateTo (ID valid until)
- sign (Signature)
Key Information for Individual Payer:
Basic Information
- firstName / lastName (First name / Last name, required for individual)
- subEntityType (Type: "1" individual)
Address and Birth Information
- country (Country)
- addressEn1, addressEn2, addressEn3 (Address)
- postcode (Postal code)
- state (State), city (City)
- birthDate (Date of birth)
Contact Information
- email (Email)
- areaCode (Area code)
- phoneNumber (Phone number)
ID and Compliance Information
- idType (ID type)
- idNumber (ID number)
- idValidDateFrom (ID valid from)
- idValidDateTo (ID valid until)
- sign (Signature)
Important Note
- Payer information is customized and provided by the institution, representing its subordinate businesses/individuals
- Institution must ensure the accuracy and compliance of customized information
- System will verify the reasonableness and compliance of information
- Backend will automatically maintain the association relationship between institution and customized payer, institution is externally invisible in the entire payment transaction
Step 2: Submit Create Request
- Institution calls create interface Add Payer Interface
- Submit customized detailed payer information (representing its subordinate business or individual)
- Backend automatically establishes and maintains association relationship between institution and the payer
Step 3: Obtain payerId
- Verification passed
- Return unique payerId
- Payer created successfully
Step 4: Use Payer
- Institution saves returned payerId
- Institution specifies this payerId when initiating payment Initiate Payment via Payee ID Interface or Real-time Payee Information Payment Interface
- In the entire payment transaction, what is displayed externally is the customized payer identity
- The payment source seen by the recipient is the customized payer, institution identity is not displayed externally
Payer vs Payee
| Comparison | Payer | Payee |
|---|---|---|
| Role | Fund sender (externally displayed) | Fund receiver |
| Who Creates | Institution customizes and creates | Institution/subordinate business creates |
| Quantity | Based on number of subordinate businesses/individuals | Can have many |
| Purpose | Identify payment entity (representing subordinate businesses/individuals) | Identify payment account |
| Required | Required for institution Payout mode | Always required |
| External Display | Displayed externally, institution not displayed | Displayed externally |
FAQ
Q1: How many payers can an institution create?
Answer
Usually no hard limit, recommend creating based on actual number of subordinate businesses/individuals. Institution can customize one payer for each subordinate business or individual, backend automatically maintains association relationship.
Q2: How long does it take to create a payer?
Answer
System will automatically review, usually completes within a few minutes
Q3: What if review is rejected?
Answer
- Check rejection reason
- Modify information based on feedback
- Resubmit create request
- If in doubt, contact account manager
Q4: What is the difference between payer and institution account?
Answer
- Institution Account - Entity connecting with Onerway, not displayed externally in entire payment transaction
- Payer - Payment entity customized by institution, representing subordinate business/individual, is the externally displayed entity
Simple understanding: Institution is "behind-the-scenes manager", payer is "on-stage presenter". Backend automatically maintains association relationship between the two.
Q5: Can the name of customized payer be modified?
Answer
Modify cautiously. The customized payer name usually corresponds to the real identity of subordinate business/individual. If needed, can use Update Payer Interface