The payee identified by
payeeId must be pre-registered via sp1401 with payeeType set to OVERSEAS_PAYEE before you can submit a remittance.POST https://{baseUrl}/api/sp1307
merOrderNo that locks the rate and fee structure for a limited time window.
Request Parameters
string
required
Your unique merchant order number. Must be consistent with the value used in sp1306. Max 32 characters.
object
required
Transfer settings and callback configuration.
Show infoObject fields
Show infoObject fields
string
required
Fee arrangement. Required when
settlementNetwork is SWIFT.OUR— sender bears all fees.SHA— each party bears their own bank fees.BEN— receiver bears all fees.
string
Optional transfer remarks. Max 255 characters.
string
required
Your HTTPS callback URL to receive the sp3302 webhook with the final transfer result. Max 255 characters.
object
required
Individual sender’s identity and address information.
Show senderObject fields
Show senderObject fields
string
Pre-registered sender ID. If provided, skip all individual fields below.
string
required
Business mode. Must be
C for individual.string
required
ISO 3166-1 alpha-2 country code of the sender’s bank. Also used as the source-of-funds country.
string
required
ID document type.
01 = National ID card, 02 = Passport.string
required
ID document number.
string
required
National emblem side of the ID card, or passport photo page (passport has one image only).
string
required
Portrait side of the ID card. Required when
idType is 01.string
required
ID validity start date. Format:
YYYY-MM-DD.string
required
ID validity end date. Format:
YYYY-MM-DD.string
required
Given name. Allowed characters:
^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$string
required
English last name.
string
required
Date of birth. Format:
YYYY-MM-DD.string
required
Place of birth. See the country dictionary.
string
required
Nationality. See the country dictionary.
string
required
Gender.
M = Male, F = Female, X = Other.string
Personal Email address (optional).
string
Phone area code (optional). Must be provided together with
phoneNo or both must be empty. See the phone code dictionary.string
Phone number (optional). Must be provided together with
phoneAreaCode or both must be empty.string
required
Country of residence. See the country dictionary.
string
required
State or province. Use the English name for non-CN countries. Use the province/city code for CN. See the dictionary.
string
required
City.
string
required
Street address. Allowed characters:
^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$string
required
Postal code.
string
Occupation (optional). See the occupation dictionary.
object
required
Individual receiver’s bank account and identity information.
Show receiverObject fields
Show receiverObject fields
string
Pre-registered receiver ID. If provided, skip all individual fields below.
string
required
payoutMethod value is
BANK-TRANSFER.string
required
Business mode. Must be
C for individual.string
required
Bank account number..
string
required
Bank code, example: CN10000001
string
required
Bank name.
string
Branch code.
string
required
ID document type.
01 = National ID card, 02 = Passport.string
required
English first name.
string
required
English last name.
string
required
Chinese first name.
string
required
Chinese last name.
string
required
Date of birth. Format:
YYYY-MM-DD.string
required
Place of birth. See the country dictionary.
string
required
Nationality. See the country dictionary.
string
required
Gender.
M = Male, F = Female, X = Other.string
required
Country of residence. See the country dictionary.
string
required
State or province. Use the English name for non-CN countries. Use the province/city code for CN. See the dictionary.
string
required
City.
string
required
Street address. Allowed characters:
^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$object
required
Compliance and purpose information.
Show complianceObject fields
Show complianceObject fields
Response Body
string
Echo of your merchant order number.
object
object
object
Transfer status and reference information.
Show infoObject fields
Show infoObject fields
string
System business flow number. Consistent with the value returned by sp1306. Retain this for reconciliation.
string
Sender’s registered ID. Present once the transfer is successfully confirmed.
string
Receiver’s registered ID. Present once the transfer is successfully confirmed.
string
Settlement network used:
LOCAL or SWIFT.string
Exchange rate applied to this transfer.
string
Current order status. Initial value is
PROCESS (processing). The final result (SUCC or FAIL) is delivered asynchronously via the sp3302 webhook.string
Transaction response code.
string
Transaction response message.
{
"merOrderNo": "335621309488901",
"infoObject": {
"tradeComments": "Service payment Local",
"callbackUrl": "https://yourplatform.com/callback/transfer"
},
"senderObject": {
"bizMode": "C",
"bankCountry": "US",
"idType": "01",
"idNumber": "ss751310813185",
"frontCertImg": "invite/000959100493/260403175715750001.png",
"backCertImg": "invite/000959100493/260407173747750010.png",
"idExpiryStart": "1990-09-09",
"idExpiryEnd": "2030-09-09",
"firstName": "fu iess",
"lastName": " ZHANG ",
"birthDate": "1990-09-09",
"placeOfBirth": "HK",
"nationality": "CN",
"gender": "M",
"emailNo": "test895865774461@apitest.com",
"phoneAreaCode": "1",
"phoneNo": "1350193400",
"addressCountry": "HK",
"addressProvince": "uuuuttt",
"addressCity": "ccccccc",
"addressLine": "ffffffffff"
"postCode": "111111",
"occupation": "03"
},
"receiverObject": {
"receiverId": "",
"bizMode": "C",
"payoutMethod": "BANK-TRANSFER",
"accountNo": "891329100651",
"bankCode": "CN10000001",
"bankName": "China B2B Bank",
"branchCode": "111111",
"idType": "02",
"firstName": "TIAN",
"lastName": "ZHANG",
"localFirstName": "天",
"localLastName": "张",
"birthDate": "1980-08-08",
"placeOfBirth": "CN",
"nationality": "CN",
"gender": "X",
"addressCountry": "HK",
"addressProvince": "prov hk",
"addressCity": "hk city",
"addressLine": "HONGKONG STREET0098,ROAD09"
},
"complianceObject": {
"fundSource": "02",
"purpose": "35",
"proofDocuments": ["invite/000959100493/260525143050500017.png"]
}
}
{
"merOrderNo": "335621309488901",
"senderAmount": {
"currency": "USD",
"amount": "100"
},
"receiverAmount": {
"currency": "CNY",
"amount": "650.37",
"bankCountry": "CN"
},
"infoObject": {
"bizFlow": "21875022415083500100",
"senderId": "2606261153232500001100",
"receiverId": "40206062616072300019",
"settlementNetwork": "LOCAL",
"rate": "6.5037000000",
"status": "PROCESS",
"code": "S00001",
"message": "Processing"
}
}
Sandbox Testing
In the sandbox environment, the final remittance result is determined by the single digit of the submitted amount:| Digit | Simulated Result |
|---|---|
| 0 – 3 | Success (SUCC) |
| 4 – 6 | Rejected (FAIL) |
| 7 – 9 | No action (remains in processing) |