CNY Payout – BANK TRANSFER (BUSINESS)

This guide explains how to initiate CNY payouts via bank transfer to business accounts using the meCash API. Requests must be sent as multipart/form-data with a stringified JSON payload under the transaction field.

Endpoint

POST {{baseURL}}/v1/payout

Header

Header	Value	Required
x-api-key	`YOUR_API_KEY`	✅ Yes

Example Request (Business Bank Transfer)

curl --location 'https://{{baseURL}}/v1/payout' \
--header 'x-api-key: YOUR_API_KEY_HERE' \
--form 'transaction="{
  \"recipient\": {
    \"name\": \"sad sada\",
    \"firstName\": \"王\",
    \"lastName\": \"坤\",
    \"idType\": \"ID_CARD\",
    \"idNumber\": \"91510104MA6A3FYD7B\",
    \"mobileNumber\": \"+123 456789\",
    \"city\": \"NEW YORK CITY\",
    \"address\": \"usa\",
    \"countryName\": \"US\",
    \"relationship\": \"SELF\",
    \"type\": \"BUSINESS\",
    \"invoiceNo\": \"12345613\",
    \"account\": {
      \"name\": \"北京华海潮商贸有限责任公司\",
      \"accountNumber\": \"6222040000030016\",
      \"type\": \"COMPANY\",
      \"sortCode\": \"003\",
      \"bankName\": \"STANDARD CHARTERED BANK (HONG KONG) LIMITED\"
    },
    \"paymentChannel\": \"BANK_TRANSFER\",
    \"currency\": \"CNY\",
    \"country\": \"CN\",
    \"stored\": false
  },
  \"quoteId\": \"{{quoteIdCny}}\",
  \"transactionPin\": \"123456\",
  \"remark\": \"Testing\",
  \"reason\": \"Gift\"
"}'

Success Response (200 OK)

{
    "message": "transaction created successfully",
    "status": "success",
    "data": {
        "id": "cb9c1def-ed41-44db-9e9e-xxxxxxxxxxxxx",
        "remark": "Testing",
        "reason": "Gift",
        "referenceNumber": "OK0JPSRYFNFVF",
        "type": "SEND",
        "state": "PROCESSING",
        "quote": {
            "id": "1813914b-6ddd-498d-89a6-b947bf9e59cd",
            "source": {
                "currency": "NGN",
                "country": "NG",
                "amount": 3000.00
            },
            "target": {
                "currency": "CNY",
                "country": "CN",
                "amount": 12.93
            },
            "rate": 232.00000000,
            "fee": {
                "amount": 5.00
            },
            "summary": {
                "total": 3005.00
            },
            "expiresInSeconds": 0
        },
        "recipient": {
            "name": "sad sada",
            "firstName": "王",
            "lastName": "坤",
            "idType": "ID_CARD",
            "idNumber": "91510104MA6A3FYD7B",
            "mobileNumber": "+123 456789",
            "city": "NEW YORK CITY",
            "address": "usa",
            "countryName": "US",
            "relationship": "SELF",
            "type": "BUSINESS",
            "invoiceNo": "12345613",
            "account": {
                "name": "北京华海潮商贸有限责任公司",
                "accountNumber": "6222040000030016",
                "type": "COMPANY",
                "sortCode": "003",
                "bankName": "STANDARD CHARTERED BANK (HONG KONG) LIMITED"
            },
            "paymentChannel": "BANK_TRANSFER",
            "currency": "CNY",
            "country": "CN"
        },
        "created": "2025-05-19T21:13:20.527698839",
        "processed": "2025-05-19T21:13:20.527698839"
    }
}

Response Breakdown

General Information

Field	Type	Description
`message`	String	Transaction status message
`status`	String	Operation status (`success`/`error`)

Transaction Data

Field	Type	Description
`id`	String	Unique transaction ID
`remark`	String	Internal reference note
`reason`	String	Transaction purpose
`referenceNumber`	String	Tracking reference
`type`	String	Always `SEND`
`state`	String	Current status
`created`	String	ISO 8601 creation time
`processed`	String	ISO 8601 processing time

Business Recipient Details

Field	Type	Description
`recipient.idType`	String	ID type (`ID_CARD`)
`recipient.idNumber`	String	Government ID number
`recipient.mobileNumber`	String	Contact number
`recipient.city`	String	Business location
`recipient.address`	String	Physical address
`recipient.countryName`	String	Country of operation
`recipient.invoiceNo`	String	Business invoice reference

Corporate Account Details

Field	Type	Description
`account.name`	String	Registered company name
`account.accountNumber`	String	Corporate account number
`account.type`	String	`COMPANY`
`account.sortCode`	String	Bank branch code
`account.bankName`	String	Recipient bank name

Error Handling

Status Code	Meaning	Example Response	How to Handle
400	Invalid Bank Details	`Invalid sort code for bank`	Verify bank routing information
400	ID Validation Failed	`Invalid business registration ID`	Check government-issued ID
400	Invalid Transaction PIN	`Invalid transaction authorization`	Verify 6-digit PIN
400	Business Info Mismatch	`Account name mismatch with registration`	Ensure names match official records

NGN to CNY AliPay (Mobile)NGN to CNY Bank Transfer (Customer)