Create Transfer | C2B - Gcashier Pay

{
  "merOrderNo": "335621309488903",
  "infoObject": {
    "feeDirection": "SHA",
    "tradeComments": "Service payment",
    "callbackUrl": "https://yourplatform.com/callback/transfer"
  },
  "senderObject": {
    "bizMode": "C",
    "bankCountry": "CN",
    "idType": "01",
    "idNumber": "110101199001011234",
    "frontCertImg": "https://example.com/id-front.jpg",
    "backCertImg": "https://example.com/id-back.jpg",
    "idExpiryStart": "2020-01-01",
    "idExpiryEnd": "2030-01-01",
    "firstName": "San",
    "lastName": "Zhang",
    "birthDate": "1990-01-01",
    "placeOfBirth": "CN",
    "nationality": "CN",
    "gender": "M",
    "addressCountry": "CN",
    "addressProvince": "110000",
    "addressCity": "Beijing",
    "addressLine": "No.1 Changan Street"
  },
  "receiverObject": {
    "bizMode": "B",
    "payoutMethod": "WIRE",
    "accountNo": "987654321",
    "bankName": "JPMORGAN CHASE BANK",
    "swiftCode": "CHASUS33",
    "registerCountry": "US",
    "companyName": "Global Supply Inc",
    "addressCountry": "US",
    "addressProvince": "New York",
    "addressCity": "New York",
    "addressLine": "500 Fifth Avenue"
  },
  "complianceObject": {
    "fundSource": "02",
    "purpose": "36"
  }
}

{
  "merOrderNo": "335621309488903",
  "senderAmount": {
    "currency": "CNY",
    "amount": "7125.00"
  },
  "receiverAmount": {
    "currency": "USD",
    "amount": "1000.00",
    "bankCountry": "US"
  },
  "infoObject": {
    "bizFlow": "21875022415083500102",
    "senderId": "d4e5f6a1b2c3",
    "receiverId": "c3b2a1f6e5d4",
    "settlementNetwork": "SWIFT",
    "rate": "7.1250",
    "status": "PROCESS",
    "code": "S00001",
    "message": "Processing"
  }
}

C2B (Consumer-to-Business): sender (senderObject.bizMode = C) is an individual; receiver (receiverObject.bizMode = B) is an enterprise. English names and addresses must match the regex: ^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$ Chinese names and addresses must match the regex: ^[\u4e00-\u9fff·\s\d()（）\-—&·.,、]+$

POST https://{baseUrl}/api/sp1307

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

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

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

Enterprise receiver’s bank account and company information.

Show receiverObject fields

string

Pre-registered receiver ID. If provided, skip all company fields below.

string

required

Payment method. For SWIFT, the default is WIRE. For LOCAL, see the payment method data dictionary.

string

required

Business mode. Must be B for enterprise.

string

required

Bank account number.

string

Bank code. Rules:

For LOCAL: required when payoutMethod is not WECHAT or ALIPAY. Also required when bankCountry is CN, BR, or IN (in which case branchCode is also required).
For SWIFT: not required (use bankName instead).

string

Bank name.

string

Branch code.

string

Correspondent bank name. Optional, SWIFT only. Either provide all three proxy bank fields or none.

string

Correspondent bank address. Optional, SWIFT only.

string

Correspondent bank SWIFT code. Optional, SWIFT only.

string

SWIFT/BIC code of the receiver’s bank. Required when settlementNetwork is SWIFT.

string

required

Country where the receiver’s company is registered.

string

required

Company name. For LOCAL transfers to CN in CNY, use the Chinese name; otherwise use the English name.

string

Business license image (optional). Applicable for CN.

string

Business registration certificate image (optional). Applicable for HK.

string

Certificate of incorporation image (optional). Applicable for non-CN and HK.

string

Company email address (optional).

string

Phone area code. Required when bankCountry is BR, KR, MA, or IN. See the phone code dictionary.

string

Phone number (optional).

string

required

Country of business address. 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.

string

Postal code (optional).

object

required

Compliance and purpose information.

Show complianceObject fields

string

required

Source of funds for the sender (individual). Use 02 (personal funds).

string

required

Transfer purpose code. See the purpose data dictionary.

string

Relationship between sender and receiver (optional).

array

Supporting transaction documents (optional). Maximum 5 items.

Response Body

string

Echo of your merchant order number.

object

Sender amount and currency information.

Show senderAmount fields

string

Sender’s currency code (ISO 4217).

string

Sender’s amount. Two decimal places, format: 999999.99.

object

Receiver amount, currency, and bank country information.

Show receiverAmount fields

string

Receiver’s currency code (ISO 4217).

string

Receiver’s amount. Two decimal places, format: 999999.99.

string

ISO 3166-1 alpha-2 country code of the receiver’s bank.

object

Transfer status and reference information.

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": "335621309488903",
  "infoObject": {
    "feeDirection": "SHA",
    "tradeComments": "Service payment",
    "callbackUrl": "https://yourplatform.com/callback/transfer"
  },
  "senderObject": {
    "bizMode": "C",
    "bankCountry": "CN",
    "idType": "01",
    "idNumber": "110101199001011234",
    "frontCertImg": "https://example.com/id-front.jpg",
    "backCertImg": "https://example.com/id-back.jpg",
    "idExpiryStart": "2020-01-01",
    "idExpiryEnd": "2030-01-01",
    "firstName": "San",
    "lastName": "Zhang",
    "birthDate": "1990-01-01",
    "placeOfBirth": "CN",
    "nationality": "CN",
    "gender": "M",
    "addressCountry": "CN",
    "addressProvince": "110000",
    "addressCity": "Beijing",
    "addressLine": "No.1 Changan Street"
  },
  "receiverObject": {
    "bizMode": "B",
    "payoutMethod": "WIRE",
    "accountNo": "987654321",
    "bankName": "JPMORGAN CHASE BANK",
    "swiftCode": "CHASUS33",
    "registerCountry": "US",
    "companyName": "Global Supply Inc",
    "addressCountry": "US",
    "addressProvince": "New York",
    "addressCity": "New York",
    "addressLine": "500 Fifth Avenue"
  },
  "complianceObject": {
    "fundSource": "02",
    "purpose": "36"
  }
}

{
  "merOrderNo": "335621309488903",
  "senderAmount": {
    "currency": "CNY",
    "amount": "7125.00"
  },
  "receiverAmount": {
    "currency": "USD",
    "amount": "1000.00",
    "bankCountry": "US"
  },
  "infoObject": {
    "bizFlow": "21875022415083500102",
    "senderId": "d4e5f6a1b2c3",
    "receiverId": "c3b2a1f6e5d4",
    "settlementNetwork": "SWIFT",
    "rate": "7.1250",
    "status": "PROCESS",
    "code": "S00001",
    "message": "Processing"
  }
}

Sandbox Testing

In the sandbox environment, the final transfer result is determined by the last digit of the submitted amount:

Last digit	Simulated result
0 – 3	Success (`SUCC`)
4 – 6	Rejected (`FAIL`)
7 – 9	No action (remains in `PROCESS`)

FileUpload

Transfer API

Market Specifics - Local Rails

Webhook Events

Beneficiary

Accounting

Meta Data API

Reference

Create Transfer | C2B

Request Parameters

Response Body

Sandbox Testing

​Request Parameters

​Response Body

​Sandbox Testing

Request Parameters

Response Body

Sandbox Testing