Create Transfer | C2C - Gcashier Pay

{
  "merOrderNo": "335621309488900",
  "infoObject": {
    "feeDirection": "SHA",
    "tradeComments": "Family support",
    "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": "C",
    "payoutMethod": "WIRE",
    "accountNo": "123456789",
    "bankName": "BANK OF AMERICA",
    "swiftCode": "BOFAUS3N",
    "idType": "02",
    "idNumber": "A12345678",
    "frontCertImg": "https://example.com/passport.jpg",
    "backCertImg": "",
    "firstName": "John",
    "lastName": "Smith",
    "birthDate": "1985-05-15",
    "placeOfBirth": "US",
    "nationality": "US",
    "gender": "M",
    "addressCountry": "US",
    "addressProvince": "California",
    "addressCity": "Los Angeles",
    "addressLine": "123 Main St"
  },
  "complianceObject": {
    "fundSource": "02",
    "purpose": "45"
  }
}

{
  "merOrderNo": "335621309488900",
  "senderAmount": {
    "currency": "CNY",
    "amount": "712.50"
  },
  "receiverAmount": {
    "currency": "USD",
    "amount": "100.00",
    "bankCountry": "US"
  },
  "infoObject": {
    "bizFlow": "21875022415083500099",
    "senderId": "a1b2c3d4e5f6",
    "receiverId": "f6e5d4c3b2a1",
    "settlementNetwork": "SWIFT",
    "rate": "7.1250",
    "status": "PROCESS",
    "code": "S00001",
    "message": "Processing"
  }
}

C2C (Consumer-to-Consumer): both sender (senderObject.bizMode = C) and receiver (receiverObject.bizMode = C) are individuals. 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

merOrderNo

string

required

Your unique merchant order number. Must be consistent with the value used in sp1306. Max 32 characters.

infoObject

object

required

Transfer settings and callback configuration.

Show infoObject fields

feeDirection

string

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.

tradeComments

string

Optional transfer remarks. Max 255 characters.

callbackUrl

string

required

Your HTTPS callback URL to receive the sp3302 webhook with the final transfer result. Max 255 characters.

senderObject

object

required

Individual sender’s identity and address information.

Show senderObject fields

senderId

string

Pre-registered sender ID. If provided, skip all individual fields below.

bizMode

string

required

Business mode. Must be C for individual.

bankCountry

string

required

ISO 3166-1 alpha-2 country code of the sender’s bank. Also used as the source-of-funds country.

idType

string

required

ID document type. 01 = National ID card, 02 = Passport.

idNumber

string

required

ID document number.

frontCertImg

string

required

National emblem side of the ID card, or passport photo page (passport has one image only).

backCertImg

string

required

Portrait side of the ID card. Required when idType is 01.

idExpiryStart

string

required

ID validity start date. Format: YYYY-MM-DD.

idExpiryEnd

string

required

ID validity end date. Format: YYYY-MM-DD.

firstName

string

required

Given name. Allowed characters: ^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$

lastName

string

required

Family name.

birthDate

string

required

Date of birth. Format: YYYY-MM-DD.

placeOfBirth

string

required

Place of birth. See the country dictionary.

nationality

string

required

Nationality. See the country dictionary.

gender

string

required

Gender. M = Male, F = Female, X = Other.

emailNo

string

Email address (optional).

phoneAreaCode

string

Phone area code (optional). Must be provided together with phoneNo or both must be empty. See the phone code dictionary.

phoneNo

string

Phone number (optional). Must be provided together with phoneAreaCode or both must be empty.

addressCountry

string

required

Country of residence. See the country dictionary.

addressProvince

string

required

State or province. Use the English name for non-CN countries. Use the province/city code for CN. See the dictionary.

addressCity

string

required

City.

addressLine

string

required

Street address. Allowed characters: ^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$

postCode

string

Postal code (optional).

occupation

string

Occupation (optional). See the occupation dictionary.

receiverObject

object

required

Individual receiver’s bank account and identity information.

Show receiverObject fields

receiverId

string

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

payoutMethod

string

required

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

bizMode

string

required

Business mode. Must be C for individual.

accountNo

string

required

Bank account number.

bankCode

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).

bankName

string

Bank name. Required for SWIFT transfers.

branchCode

string

Branch code. Required when bankCountry is CN, BR, or IN on LOCAL rails.

proxyBankName

string

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

proxyBankAddress

string

Correspondent bank address. Optional, SWIFT only.

proxyBankSwiftCode

string

Correspondent bank SWIFT code. Optional, SWIFT only.

swiftCode

string

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

idType

string

required

ID document type. 01 = National ID card, 02 = Passport.

idNumber

string

required

ID document number.

frontCertImg

string

required

National emblem side of the ID card, or passport photo page.

backCertImg

string

required

Portrait side of the ID card. Required when idType is 01.

firstName

string

required

Given name. For LOCAL transfers to CN in CNY, use the Chinese name; otherwise use the same format as the sender.

lastName

string

required

Family name.

birthDate

string

required

Date of birth. Format: YYYY-MM-DD.

placeOfBirth

string

required

Place of birth. See the country dictionary.

nationality

string

required

Nationality. See the country dictionary.

gender

string

required

Gender. M = Male, F = Female, X = Other.

emailNo

string

Email address (optional).

phoneAreaCode

string

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

phoneNo

string

Phone number (optional).

addressCountry

string

required

Country of residence. See the country dictionary.

addressProvince

string

required

State or province. Use the English name for non-CN countries. Use the province/city code for CN. See the dictionary.

addressCity

string

required

City.

addressLine

string

required

Street address. Allowed characters: ^[a-zA-Z0-9\s.,!?:;'"()\[\]{}/*\\-]+$

postCode

string

Postal code (optional).

complianceObject

object

required

Compliance and purpose information.

Show complianceObject fields

fundSource

string

required

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

purpose

string

required

Transfer purpose code. See the purpose data dictionary.

relationship

string

Relationship between sender and receiver (optional).

proofDocuments

array

Supporting transaction documents (optional). Maximum 5 items.

Response Body

merOrderNo

string

Echo of your merchant order number.

senderAmount

object

Sender amount and currency information.

Show senderAmount fields

currency

string

Sender’s currency code (ISO 4217).

amount

string

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

receiverAmount

object

Receiver amount, currency, and bank country information.

Show receiverAmount fields

currency

string

Receiver’s currency code (ISO 4217).

amount

string

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

bankCountry

string

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

infoObject

object

Transfer status and reference information.

Show infoObject fields

bizFlow

string

System business flow number. Consistent with the value returned by sp1306. Retain this for reconciliation.

senderId

string

Sender’s registered ID. Present once the transfer is successfully confirmed.

receiverId

string

Receiver’s registered ID. Present once the transfer is successfully confirmed.

settlementNetwork

string

Settlement network used: LOCAL or SWIFT.

rate

string

Exchange rate applied to this transfer.

status

string

Current order status. Initial value is PROCESS (processing). The final result (SUCC or FAIL) is delivered asynchronously via the sp3302 webhook.

code

string

Transaction response code.

message

string

Transaction response message.

{
  "merOrderNo": "335621309488900",
  "infoObject": {
    "feeDirection": "SHA",
    "tradeComments": "Family support",
    "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": "C",
    "payoutMethod": "WIRE",
    "accountNo": "123456789",
    "bankName": "BANK OF AMERICA",
    "swiftCode": "BOFAUS3N",
    "idType": "02",
    "idNumber": "A12345678",
    "frontCertImg": "https://example.com/passport.jpg",
    "backCertImg": "",
    "firstName": "John",
    "lastName": "Smith",
    "birthDate": "1985-05-15",
    "placeOfBirth": "US",
    "nationality": "US",
    "gender": "M",
    "addressCountry": "US",
    "addressProvince": "California",
    "addressCity": "Los Angeles",
    "addressLine": "123 Main St"
  },
  "complianceObject": {
    "fundSource": "02",
    "purpose": "45"
  }
}

{
  "merOrderNo": "335621309488900",
  "senderAmount": {
    "currency": "CNY",
    "amount": "712.50"
  },
  "receiverAmount": {
    "currency": "USD",
    "amount": "100.00",
    "bankCountry": "US"
  },
  "infoObject": {
    "bizFlow": "21875022415083500099",
    "senderId": "a1b2c3d4e5f6",
    "receiverId": "f6e5d4c3b2a1",
    "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`)

Create Transfer | B2C Create Transfer | C2B

⌘I

​Request Parameters

​Response Body

​Sandbox Testing

Request Parameters

Response Body

Sandbox Testing