Direct Payment with Payee Information
Overview
Real-time Payment - Create payee and complete payment in a single request, without pre-creating payeeId. The payee's identity, address, and account information can be passed directly in the request body, suitable for high-frequency or dynamic payment scenarios.
Permission Requirements
Currently a restricted access interface, need to contact technical support to enable permission before use.
Core Principle
This interface eliminates the step of pre-creating payeeId, all payee information is submitted and verified in real-time in the payment request.
Advantages
| Advantage | Description |
|---|---|
| Strong Real-time | Complete payee creation and payment in one request |
| Dynamic and Flexible | Can embed payee information in request (payeeDetail) |
| Simplified Process | Suitable for real-time, dynamic payment scenarios |
| Suitable for One-time Payments | No need to manage large amounts of payee IDs |
Comparison: Pre-create vs Real-time Payment
| Comparison | Pre-create Payee Mode | Real-time Payment Mode |
|---|---|---|
| Process | Create payee → Get payeeId → Initiate payment | Directly initiate payment (provide payee information at the same time) |
| API Calls | 2 times (create + payment) | 1 time |
| Applicable Scenario | High-frequency payments, fixed payees | One-time payment, dynamic payees |
| Management Complexity | Need to manage payee IDs | No management needed |
| Permission Requirements | Standard permission | Need to apply for special permission |
1 Pre-Use Preparation
Step 1: Environment Requirements
Environment Requirements
All integrations must first be tested in the Sandbox environment. Switch to the Production environment after ensuring functionality is correct.
| Environment | Purpose |
|---|---|
| Sandbox Environment | For integration testing and debugging |
| Production Environment | For formal transactions |
Tip
For details, please refer to Integration Instructions
Step 2: Integration Signature
Security Requirements
Before calling any API, you must generate a signature (sign) and use your private key (privateKey) to ensure request security.
Complete signature instructions, please see:
INFO
Reference documentation Integration Signature
Step 3: Confirm Payment Method
Before initiating payment, you should select the appropriate payment method according to business needs:
- LOCAL (Local transfer)
- SWIFT (International wire transfer)
- Digital wallet
Available payment methods depend on factors such as target country and currency.
INFO
Reference documentation Payment Method Query Interface
Step 4: Confirm Payee Required Fields
Obtain required field information based on the following parameters:
- Country
- Currency
- Entity type (Individual/Business)
- Payment method
The system will return a complete list of required fields based on these parameters, ensuring payer information is complete and compliant.
INFO
Reference documentation Payee Required Field Query Interface
Step 5: Payment on Behalf of Others (Optional)
If you need to pay on behalf of individuals or entities (such as platforms paying on behalf of creators), you need to first add payer information.
Payment on Behalf Scenario:
- Platform pays recipients in the name of sub-merchants
INFO
Reference documentation Add Payer Interface
2 Real-time Payment Execution
Interface Information
API Interface
Interface Address: Real-time Payee Information Payment Interface
Request Parameter Description
No need to pre-register payee, in the request you can:
payeeDetailcontains complete payee information (name, account, address, etc.)- Initiate payment in real-time
FAQ
Q1: Real-time payment or pre-create payee, which is better?
Answer
Depends on usage scenario:
- High-frequency payments, fixed payees → Recommend pre-create mode
- One-time payment, dynamic payees → Recommend real-time payment mode
Q2: Is the processing speed of real-time payment the same as pre-create mode?
Answer
Same speed. Real-time payment only saves the step of pre-creating payee, actual payment processing speed is the same.
Q3: What if real-time payment fails?
Answer
Failure reasons may include:
- Payee information filled incorrectly
- Required fields missing
- Insufficient account balance
- Invalid bank account
Just correct according to error prompt and resubmit.
Q4: Will real-time payment generate payee ID?
Answer
No.
Q5: How to apply for real-time payment permission?
Answer
Please contact your account manager or technical support team, explain your business scenario and needs, apply to enable real-time payment function.