---
updatedAt: 2026-03-03T17:18:20.000Z
agentTools:
  projectIndex: https://docs.dlocal.com/llms.txt
---

# China

Learn everything you need to know to make payouts in China with dLocal.

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/* Dos columnas en pantallas medianas */\n  }\n}\n\n@media (max-width: 480px) {\n  .main {\n    grid-template-columns: 1fr; /* Una columna en pantallas pequeñas */\n}\n}  \n</style>\n  \n    <div class=\"main\">\n\n     <!-- Market specifications -->\n      <div class=\"overview-card1\" onclick=\"parent.location='/docs/china-payouts-v3#market-specifications'\">\n     <div class=\"overview-card-bottom-side\">\n       <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/922681fecfb238c94f7213fa9e0aa1675f1e190ec55beff2b6994169c77fdefc-adjust-circle.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Market specifications</h3>\n          <p class=\"overview-card-content1\">\n            Take a look of all the information you need to make a payout.   \n        </p>\n          <a href=\"#country-reference\" class=\"doc-link\">Country reference</a>\n          <a href=\"#document-validations\" class=\"doc-link\">Document validations</a>\n          <a href=\"#mandatory-parameters\" class=\"doc-link\">Mandatory paramenters</a>\n\n        </div>\n      </div>\n      \n      <!-- Cards -->\n      <div\n        class=\"overview-card1\" onclick=\"parent.location='/docs/china-payouts-v3#payment-methods'\">\n        <div class=\"overview-card-bottom-side\">\n                 <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/5a59519487455e7af361db8b67a2dee8d71627d4d6e1ed0a0bd805f5da861fcc-money-stack.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Payment methods</h3>\n          <p class=\"overview-card-content1\">\n           Find all the information about payment methods  capabilities.   \n          </p>\n          <a href=\"#bank-transfers---cny-flow-1\" class=\"doc-link\">Bank transfers - CNY flow</a>\n          <a href=\"#bank-transfers---usd-flow-1\" class=\"doc-link\">Bank transfers - USD flow</a>\n        </div>\n      </div>  \n      \n      <!-- APM -->\n      <div class=\"overview-card2\" onclick=\"parent.location='/docs/china-payout-v3s#bank-information'\">\n    <div class=\"overview-card-bottom-side\">\n            <div class=\"overview-icon1\"><img width=\"48\" src=\"https://files.readme.io/2fc6fd8c1c63714ae7685ef94ba185d2dbf91fbc9d88f4d2c71da7f45e260079-university.svg\"  alt=\"\" loading=\"lazy\"><div class=\"img_overlay img_color_rgba(0,0,0,.2)\"></div></div>\n           <h3 class=\"overview-card-title1\">Bank information</h3>\n          <p class=\"overview-card-content1\">\n             Find all the bank account validations  details you need to make a payout.     \n        </p>\n          <a href=\"#bank-codes---cny-flow\" class=\"doc-link\">Bank codes - CNY flow</a>\n        </div>\n      </div> \n      \n    </div>"
}
[/block]

***

# Market specifications

Do you want to know more information about China's market? Go to the [Accelerate Growth in Asia’s Leading eCommerce Hubs](https://dlocal.com/online-payment-processors-in-asia/) article.

## Country reference

[block:parameters]
{
  "data": {
    "h-0": "`country` code",
    "h-1": "`currency` code",
    "h-2": "`amount` decimals",
    "h-3": "`beneficiary.document.type` name",
    "h-4": "`beneficiary.document.id` format",
    "0-0": "`CN`",
    "0-1": "`CNY`",
    "0-2": "2",
    "0-3": "公民身份号码  \n(citizen ID number)",
    "0-4": "Between 18 digits or 17 digits + letter X"
  },
  "cols": 5,
  "rows": 1,
  "align": [
    "center",
    "center",
    "center",
    "center",
    "center"
  ]
}
[/block]

# Payment methods

China supports payouts via Cards and Bank transfers. There are two distinct flows depending on the currency: CNY flow and USD flow. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

## Mandatory parameters

### Cards - CNY flow

| Cards parameters                  | B2C | B2B | P2P |
| :-------------------------------- | :-: | :-: | :-: |
| `external_id`                     | Yes | Yes | Yes |
| `payment_method_id`               | Yes | Yes | Yes |
| `flow_type`                       | Yes | Yes | Yes |
| `purpose`                         | Yes | Yes | Yes |
| `country`                         | Yes | Yes | Yes |
| `amount`                          | Yes | Yes | Yes |
| `currency`                        | Yes | Yes | Yes |
| `beneficiary.first_name`          | Yes |  -  | Yes |
| `beneficiary.last_name`           | Yes |  -  | Yes |
| `beneficiary.business_name`       |  -  | Yes |  -  |
| `beneficiary.document.type`       | Yes | Yes | Yes |
| `beneficiary.document.id`         | Yes | Yes | Yes |
| `beneficiary.bank_account.branch` | Yes | Yes | Yes |
| `beneficiary.card.number`         | Yes | Yes | Yes |
| `beneficiary.phone`               | Yes | Yes | Yes |
| `remitter.first_name`             |  -  |  -  | Yes |
| `remitter.last_name`              |  -  |  -  | Yes |
| `remitter.document.type`          |  -  |  -  | Yes |
| `remitter.document.id`            |  -  |  -  | Yes |
| `remitter.birth_date`             |  -  |  -  | Yes |
| `remitter.address.street`         |  -  |  -  | Yes |
| `remitter.address.city`           |  -  |  -  | Yes |
| `remitter.address.country`        |  -  |  -  | Yes |
| `remitter.nationality`            |  -  |  -  | Yes |

### Cards - USD flow

| Cards parameters                  | B2C | B2B |
| :-------------------------------- | :-: | :-: |
| `external_id`                     | Yes | Yes |
| `payment_method_id`               | Yes | Yes |
| `flow_type`                       | Yes | Yes |
| `purpose`                         | Yes | Yes |
| `country`                         | Yes | Yes |
| `amount`                          | Yes | Yes |
| `currency`                        | Yes | Yes |
| `currency_to_pay`                 | Yes | Yes |
| `beneficiary.first_name`          | Yes |  -  |
| `beneficiary.last_name`           | Yes |  -  |
| `beneficiary.business_name`       |  -  | Yes |
| `beneficiary.document.type`       | Yes | Yes |
| `beneficiary.document.id`         | Yes | Yes |
| `beneficiary.bank_account.branch` | Yes | Yes |
| `beneficiary.bank_account.type`   | Yes | Yes |
| `beneficiary.card.number`         | Yes | Yes |
| `beneficiary.phone`               | Yes | Yes |
| `beneficiary.address.street`      | Yes | Yes |

***

## Cards - CNY flow

CNY cards require detailed account information, including beneficiary name (Han characters only), CNAPS code, bank account, account type, and document information.

### Mandatory parameters

All fields listed below are required for CNY cards payouts. For successful processing, ensure correct formatting and value types.

| Mandatory parameter               | Description                                                                                                                      |
| :-------------------------------- | :------------------------------------------------------------------------------------------------------------------------------- |
| `external_id`                     | Unique payout identification at the merchant's end. Maximum 100 characters.                                                      |
| `payment_method_id`               | Payment method identifier. For cards, use `CARD`.                                                                                |
| `flow_type`                       | Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).         |
| `purpose`                         | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).                                              |
| `country`                         | Country code. For China, use `CN`.                                                                                               |
| `amount`                          | Payout amount. Use up to 2 decimal places.                                                                                       |
| `currency`                        | Source currency of the FX operation. For China CNY flow, use `CNY`.                                                              |
| `beneficiary.first_name`          | Beneficiary's first name. Maximum 50 characters. Han characters only.                                                            |
| `beneficiary.last_name`           | Beneficiary's last name. Maximum 50 characters. Han characters only.                                                             |
| `beneficiary.business_name`       | Beneficiary's business name. Mandatory only for B2B.                                                                             |
| `beneficiary.document.type`       | Beneficiary's document type. Use `CUI` for Resident Identity Card, `PASS` for passport, or `TAXID` for tax ID.                   |
| `beneficiary.document.id`         | Beneficiary's document number. For `CUI`: maximum 100 characters. For `TAXID`: maximum 18 characters.                            |
| `beneficiary.bank_account.branch` | Bank code. CNAPS code. Must be 12 digits long.                                                                                   |
| `beneficiary.card.number`         | Card number. 15 to 18 digits for credit/debit cards                                                                              |
| `beneficiary.phone`               | Beneficiary's phone number. Maximum 100 characters.                                                                              |
| `remitter.first_name`             | Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).                                               |
| `remitter.last_name`              | Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).                                                |
| `remitter.document.type`          | Remitter's document type. Use `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P). |
| `remitter.document.id`            | Remitter's document number. Maximum 45 characters. Mandatory only for remittance (P2P).                                          |
| `remitter.birth_info.date`        | Remitter's birth date. Format `YYYY-MM-DD`. Mandatory only for remittance (P2P).                                                 |
| `remitter.address.street`         | Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).                                          |
| `remitter.address.city`           | Remitter's city. Maximum 40 characters. Mandatory only for remittance (P2P).                                                     |
| `remitter.address.country`        | Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).                                       |
| `remitter.nationality`            | Remitter's nationality in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).                                        |

### Example request - CNY flow

```json Cards CNY - B2C
{
    "external_id": "AS6D7FR8TG9YH0U",
    "payment_method_id": "CARD",
    "flow_type": "B2C",
    "purpose": "OTHER_SERVICES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "USD",
    "currency_to_pay": "CNY",
    "beneficiary": {
        "first_name": "钱",
        "last_name": "交里",
        "document": {
            "id": "342501198810205818"
        },
        "bank_account": {
            "branch": "105584001104"
        },
        "card": {
            "number": "6217007200109164924"
        },
        "phone": "+866767658758872"
    }
}
```
```json Bank Transfer CNY - B2B
{
    "external_id": "AS6D7FR8TG9YH0U",
    "payment_method_id": "CARD",
    "flow_type": "B2B",
    "purpose": "OTHER_SERVICES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "USD",
    "currency_to_pay": "CNY",
    "beneficiary": {
        "business_name": "公司",
        "document": {
            "id": "342501198810205818"
        },
        "bank_account": {
            "branch": "105584001104"
        },
        "card": {
            "number": "6217007200109164924"
        },
        "phone": "+866767658758872"
    }
}
```
```json Cards CNY - P2P
{
  "external_id": "AS6D7FR8TG9YH0U",
    "payment_method_id": "CARD",
    "flow_type": "B2C",
    "purpose": "OTHER_SERVICES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "USD",
    "currency_to_pay": "CNY",
    "beneficiary": {
        "first_name": "钱",
        "last_name": "交里",
        "document": {
            "id": "342501198810205818"
        },
        "bank_account": {
            "branch": "105584001104"
        },
        "card": {
            "number": "6217007200109164924"
        },
        "phone": "+866767658758872",
        "remitter": {
            "first_name": "Jane",
            "last_name": "Smith",
            "document": {
                "type": "PASS",
                "id": "P1234567"
            },
            "birth_info": {
                "date": "1982-06-15"
            },
            "address": {
                "street": "123 Main St",
                "city": "New York",
                "country": "US"
            },
            "nationality": "US"
        }
    }
}
```

## Cards - USD flow

USD cards require detailed account information, including beneficiary name (English only), SWIFT code, bank account, address, and document information.

### Mandatory parameters

All fields listed below are required for USD cards payouts. For successful processing, ensure correct formatting and value types.

[block:parameters]
{
  "data": {
    "h-0": "Mandatory parameter",
    "h-1": "Description",
    "0-0": "`external_id`",
    "0-1": "Unique payout identification at the merchant's end. Maximum 100 characters.",
    "1-0": "`payment_method_id`",
    "1-1": "Payment method identifier. For cards, use `CARD`.",
    "2-0": "`flow_type`",
    "2-1": "Payout flow type. Valid values: `B2C` (Business to Consumer) or `B2B` (Business to Business).",
    "3-0": "`purpose`",
    "3-1": "Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).",
    "4-0": "`country`",
    "4-1": "Country code. For China, use `CN`.",
    "5-0": "`amount`",
    "5-1": "Payout amount. Use up to 2 decimal places.",
    "6-0": "`currency`",
    "6-1": "Source currency of the FX operation. For China USD flow, use `USD`.",
    "7-0": "`currency_to_pay`",
    "7-1": "Currency to be paid out. Use `USD`.",
    "8-0": "`beneficiary.first_name`",
    "8-1": "Beneficiary's first name. Maximum 50 characters. English characters only.",
    "9-0": "`beneficiary.last_name`",
    "9-1": "Beneficiary's last name. Maximum 50 characters. English characters only.",
    "10-0": "`beneficiary.business_name`",
    "10-1": "Beneficiary's business name. Mandatory only for B2B.",
    "11-0": "`beneficiary.document.type`",
    "11-1": "Beneficiary's document type. Use `CUI` for Resident Identity Card, `PASS` for passport, or `TAXID` for tax ID.",
    "12-0": "`beneficiary.document.id`",
    "12-1": "Beneficiary's document number. For `CUI`: maximum 100 characters. For `TAXID`: maximum 18 characters.",
    "13-0": "`beneficiary.bank_account.branch`",
    "13-1": "CNAPS code. Must be 12 digits long.",
    "14-0": "`beneficiary.bank_account.type`",
    "14-1": "Beneficiary's bank account type. Account type:  \n`CHECKING`: Checking accounts  \n`SAVINGS`: Savings accounts",
    "15-0": "`beneficiary.card.number`",
    "15-1": "Card number. 15 to 18 digits for credit/debit cards",
    "16-0": "`beneficiary.phone`",
    "16-1": "Beneficiary's phone number. Maximum 100 characters.",
    "17-0": "`beneficiary.address.street`",
    "17-1": "Beneficiary’s address. Maximum 200 characters."
  },
  "cols": 2,
  "rows": 18,
  "align": [
    "left",
    "left"
  ]
}
[/block]

### Example request - USD flow

```json Cards USD - B2C
{
    "external_id": "VT9B2N1U3O-FUV101",
    "payment_method_id": "CARD",
    "flow_type": "B2C",
    "purpose": "OTHER_SERVICES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "USD",
    "currency_to_pay": "USD",
    "beneficiary": {
        "first_name": "Zyiang",
        "last_name": "Zheng",
        "document": {
            "id": "342501198810205818"
        },
        "card": {
            "number": "6217007200109164924"
        },
        "bank_account": {
            "branch": "CMBCCNBSXXX",
            "type": "SAVINGS"
        },
        "phone": "+866767658758872",
        "address": {
            "street": "88 Jianguo Road, Beijing, 100010, China"
        }
    }
}
```
```json Bank Transfer USD - B2B
{
    "external_id": "VT9B2N1U3O-FUV102",
    "payment_method_id": "CARD",
    "flow_type": "B2B",
    "purpose": "OTHER_SERVICES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "USD",
    "currency_to_pay": "USD",
    "beneficiary": {
        "business_name": "Company Inc.",
        "document": {
            "id": "342501198810205818"
        },
        "card": {
            "number": "6217007200109164924"
        },
        "bank_account": {
            "branch": "CMBCCNBSXXX",
            "type": "SAVINGS"
        },
        "phone": "+866767658758872",
        "address": {
            "street": "88 Jianguo Road, Beijing, 100010, China"
        }
    }
}
```

### Bank transfers - CNY flow

| Bank transfer parameters           | B2C | B2B | P2P |
| ---------------------------------- | :-: | :-: | :-: |
| `external_id`                      | Yes | Yes | Yes |
| `payment_method_id`                | Yes | Yes | Yes |
| `flow_type`                        | Yes | Yes | Yes |
| `purpose`                          | Yes | Yes | Yes |
| `country`                          | Yes | Yes | Yes |
| `amount`                           | Yes | Yes | Yes |
| `currency`                         | Yes | Yes | Yes |
| `beneficiary.first_name`           | Yes |  -  | Yes |
| `beneficiary.last_name`            | Yes |  -  | Yes |
| `beneficiary.business_name`        |  -  | Yes |  -  |
| `beneficiary.document.type`        | Yes | Yes | Yes |
| `beneficiary.document.id`          | Yes | Yes | Yes |
| `beneficiary.bank_account.code`    | Yes | Yes | Yes |
| `beneficiary.bank_account.account` | Yes | Yes | Yes |
| `beneficiary.bank_account.type`    | Yes | Yes | Yes |
| `beneficiary.phone`                | Yes | Yes | Yes |
| `remitter.first_name`              |  -  |  -  | Yes |
| `remitter.last_name`               |  -  |  -  | Yes |
| `remitter.document.type`           |  -  |  -  | Yes |
| `remitter.document.id`             |  -  |  -  | Yes |
| `remitter.birth_date`              |  -  |  -  | Yes |
| `remitter.address.street`          |  -  |  -  | Yes |
| `remitter.address.city`            |  -  |  -  | Yes |
| `remitter.address.country`         |  -  |  -  | Yes |
| `remitter.nationality`             |  -  |  -  | Yes |

### Bank transfers - USD flow

| Bank transfer parameters           | B2C | B2B |
| ---------------------------------- | :-: | :-: |
| `external_id`                      | Yes | Yes |
| `payment_method_id`                | Yes | Yes |
| `flow_type`                        | Yes | Yes |
| `purpose`                          | Yes | Yes |
| `country`                          | Yes | Yes |
| `amount`                           | Yes | Yes |
| `currency`                         | Yes | Yes |
| `currency_to_pay`                  | Yes | Yes |
| `beneficiary.first_name`           | Yes |  -  |
| `beneficiary.last_name`            | Yes |  -  |
| `beneficiary.business_name`        |  -  | Yes |
| `beneficiary.document.type`        | Yes | Yes |
| `beneficiary.document.id`          | Yes | Yes |
| `beneficiary.bank_account.code`    | Yes | Yes |
| `beneficiary.bank_account.account` | Yes | Yes |
| `beneficiary.phone`                | Yes | Yes |
| `beneficiary.address.street`       | Yes | Yes |

***

# Payment methods

China supports payouts via Bank transfers. There are two distinct flows depending on the currency: CNY flow and USD flow. Each method requires specific parameters and follows validation rules aligned with local compliance and banking standards.

## Bank transfers - CNY flow

CNY bank transfers require detailed account information, including beneficiary name (Han characters only), CNAPS code, bank account, account type, and document information.

### Mandatory parameters

All fields listed below are required for CNY bank transfer payouts. For successful processing, ensure correct formatting and value types.

[block:parameters]
{
  "data": {
    "h-0": "Mandatory parameter",
    "h-1": "Description",
    "0-0": "`external_id`",
    "0-1": "Unique payout identification at the merchant's end. Maximum 100 characters.",
    "1-0": "`payment_method_id`",
    "1-1": "Payment method identifier. For bank transfers, use `BANK_TRANSFER`.",
    "2-0": "`flow_type`",
    "2-1": "Payout flow type. Valid values: `B2C` (Business to Consumer), `B2B` (Business to Business), or `P2P` (Person to Person).",
    "3-0": "`purpose`",
    "3-1": "Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).",
    "4-0": "`country`",
    "4-1": "Country code. For China, use `CN`.",
    "5-0": "`amount`",
    "5-1": "Payout amount. Use up to 2 decimal places.",
    "6-0": "`currency`",
    "6-1": "Source currency of the FX operation. For China CNY flow, use `CNY`.",
    "7-0": "`beneficiary.first_name`",
    "7-1": "Beneficiary's first name. Maximum 50 characters. Han characters only. ",
    "8-0": "`beneficiary.last_name`",
    "8-1": "Beneficiary's last name. Maximum 50 characters. Han characters only. ",
    "9-0": "`beneficiary.business_name`",
    "9-1": "Beneficiary's business name. Mandatory only for B2B.",
    "10-0": "`beneficiary.document.type`",
    "10-1": "Beneficiary's document type. Use `CUI` for Resident Identity Card, `PASS` for passport, or `TAXID` for tax ID.",
    "11-0": "`beneficiary.document.id`",
    "11-1": "Beneficiary's document number. For `CUI`: maximum 100 characters. For `TAXID`: maximum 18 characters.",
    "12-0": "`beneficiary.bank_account.code`",
    "12-1": "Bank code. CNAPS code. Must be 12 digits long.",
    "13-0": "`beneficiary.bank_account.account`",
    "13-1": "Bank account number. 9 to 25 digits for bank accounts.",
    "14-0": "`beneficiary.bank_account.type`",
    "14-1": "Beneficiary's bank account type. Account type:  \n`CHECKING`: Checking accounts  \n`SAVINGS`: Savings accounts",
    "15-0": "`beneficiary.phone`",
    "15-1": "Beneficiary's phone number. Maximum 100 characters.",
    "16-0": "`remitter.first_name`",
    "16-1": "Remitter's first name. Maximum 50 characters. Mandatory only for remittance (P2P).",
    "17-0": "`remitter.last_name`",
    "17-1": "Remitter's last name. Maximum 50 characters. Mandatory only for remittance (P2P).",
    "18-0": "`remitter.document.type`",
    "18-1": "Remitter's document type. Use `ID` for national identification number, `PASS` for passport. Mandatory only for remittance (P2P).",
    "19-0": "`remitter.document.id`",
    "19-1": "Remitter's document number. Maximum 45 characters. Mandatory only for remittance (P2P).",
    "20-0": "`remitter.birth_info.date`",
    "20-1": "Remitter's birth date. Format `YYYY-MM-DD`. Mandatory only for remittance (P2P).",
    "21-0": "`remitter.address.street`",
    "21-1": "Remitter's street address. Maximum 200 characters. Mandatory only for remittance (P2P).",
    "22-0": "`remitter.address.city`",
    "22-1": "Remitter's city. Maximum 40 characters. Mandatory only for remittance (P2P).",
    "23-0": "`remitter.address.country`",
    "23-1": "Remitter's country code in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P).",
    "24-0": "`remitter.nationality`",
    "24-1": "Remitter's nationality in ISO 3166-1 alpha-2 format. Mandatory only for remittance (P2P)."
  },
  "cols": 2,
  "rows": 25,
  "align": [
    null,
    null
  ]
}
[/block]

### Example request - CNY flow

```json Bank Transfer CNY - B2C
{
  "external_id": "VT9B2N1U3O-FUV98",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "CN",
  "amount": 9273.34,
  "currency": "CNY",
  "beneficiary": {
    "first_name": "张",
    "last_name": "三",
    "document": {
      "id": "460106200408180419"
    },
    "bank_account": {
      "branch": "303513000052",
      "account": "120101198302051053",
      "type": "SAVINGS"
    },
    "phone": "+866767658758869"
  }
}
```
```json Bank Transfer CNY - B2B
{
  "external_id": "VT9B2N1U3O-FUV99",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "country": "CN",
  "amount": 9273.34,
  "currency": "CNY",
  "beneficiary": {
    "business_name": "信息技术有限公司",
    "document": {
      "id": "14010619890614183X"
    },
    "bank_account": {
      "branch": "303513000052",
      "account": "120101198302051053",
      "type": "SAVINGS"
    },
    "phone": "+866767658758869"
  }
}
```
```json Bank Transfer CNY - P2P
{
    "external_id": "VT9B2N1U3O-FUV100",
    "payment_method_id": "BANK_TRANSFER",
    "flow_type": "P2P",
    "purpose": "REMITTANCES",
    "country": "CN",
    "amount": 5273.34,
    "currency": "CNY",
    "beneficiary": {
        "business_name": "信息技术有限公司",
        "document": {
            "id": "14010619890614183X"
        },
        "bank_account": {
            "branch": "303513000052",
            "account": "120101198302051053",
            "type": "SAVINGS"
        },
        "phone": "+866767658758869"
    },
    "remitter": {
        "first_name": "Jane",
        "last_name": "Smith",
        "document": {
            "type": "PASS",
            "id": "P1234567"
        },
        "birth_info": {
            "date": "1982-06-15"
        },
        "address": {
            "street": "123 Main St",
            "city": "New York",
            "country": "US"
        },
        "nationality": "US"
    }
}
```

## Bank transfers - USD flow

USD bank transfers require detailed account information, including beneficiary name (English only), SWIFT code, bank account, address, and document information.

### Mandatory parameters

All fields listed below are required for USD bank transfer payouts. For successful processing, ensure correct formatting and value types.

| Mandatory parameter                | Description                                                                                                    |
| :--------------------------------- | :------------------------------------------------------------------------------------------------------------- |
| `external_id`                      | Unique payout identification at the merchant's end. Maximum 100 characters.                                    |
| `payment_method_id`                | Payment method identifier. For bank transfers, use `BANK_TRANSFER`.                                            |
| `flow_type`                        | Payout flow type. Valid values: `B2C` (Business to Consumer) or `B2B` (Business to Business).                  |
| `purpose`                          | Payout purpose code. See [purpose codes reference](https://docs.dlocal.com/docs/purpose-codes-reference-v3).                            |
| `country`                          | Country code. For China, use `CN`.                                                                             |
| `amount`                           | Payout amount. Use up to 2 decimal places.                                                                     |
| `currency`                         | Source currency of the FX operation. For China USD flow, use `USD`.                                            |
| `currency_to_pay`                  | Currency to be paid out. Use `USD`.                                                                            |
| `beneficiary.first_name`           | Beneficiary's first name. Maximum 50 characters. English characters only.                                      |
| `beneficiary.last_name`            | Beneficiary's last name. Maximum 50 characters. English characters only.                                       |
| `beneficiary.business_name`        | Beneficiary's business name. Mandatory only for B2B.                                                           |
| `beneficiary.document.type`        | Beneficiary's document type. Use `CUI` for Resident Identity Card, `PASS` for passport, or `TAXID` for tax ID. |
| `beneficiary.document.id`          | Beneficiary's document number. For `CUI`: maximum 100 characters. For `TAXID`: maximum 18 characters.          |
| `beneficiary.bank_account.code`    | Bank code. CNAPS code. Must be 12 digits long.                                                                 |
| `beneficiary.bank_account.account` | Bank account number. 9 to 25 digits for bank accounts.                                                         |
| `beneficiary.phone`                | Beneficiary's phone number. Maximum 100 characters.                                                            |
| `beneficiary.address.street`       | Beneficiary’s address. Maximum 200 characters.                                                                 |

### Example request - USD flow

```json Bank Transfer USD - B2C
{
  "external_id": "VT9B2N1U3O-FUV101",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2C",
  "purpose": "OTHER_SERVICES",
  "country": "CN",
  "amount": 5273.34,
  "currency": "USD",
  "currency_to_pay": "USD",
  "beneficiary": {
    "first_name": "Zyiang",
    "last_name": "Zheng",
    "document": {
      "id": "342501198810205818"
    },
    "bank_account": {
      "branch": "ICBKCNBJXXX",
      "account": "0200002901000680000"
    },
    "phone": "+866767658758872",
    "address": {
      "street": "88 Jianguo Road, Beijing, 100010, China"
    }
  }
}
```
```json Bank Transfer USD - B2B
{
  "external_id": "VT9B2N1U3O-FUV102",
  "payment_method_id": "BANK_TRANSFER",
  "flow_type": "B2B",
  "purpose": "OTHER_SERVICES",
  "country": "CN",
  "amount": 15273.34,
  "currency": "USD",
  "currency_to_pay": "USD",
  "beneficiary": {
    "business_name": "Technology Inc.",
    "document": {
      "id": "342501198810205818"
    },
    "bank_account": {
      "branch": "ICBKCNBJXXX",
      "account": "0200002901000680000"
    },
    "phone": "+866767658758872",
    "address": {
      "street": "88 Jianguo Road, Beijing, 100010, China"
    }
  }
}
```

# Bank information

Access the reference formats and accepted values required for processing bank payouts in China.

<br />

<details>
<summary class="summary_head">

## Bank codes - CNY flow

</summary>

<br />

The banks supported may change according to the payment's flow:

* P2P & B2C flow
* B2B flow

### P2P & B2C flow

We support every bank covered by China UnionPay network.

### B2B flow

| Bank Name                               | Abbreviation | Bank Code |
| --------------------------------------- | :----------: | :-------: |
| Agricultural Bank of China              |      ABC     |    103    |
| Bank of Beijing                         |     BCCB     |    792    |
| Bank of China                           |      BOC     |    001    |
| Bank of Communications                  |     BOCOM    |    301    |
| Bank of Jiangsu                         |     JSCB     |    795    |
| Bank of Ningbo                          |     NBCB     |    791    |
| Bank of Shanghai                        |      BOS     |    794    |
| China Bohai Bank                        |     CBHB     |    318    |
| China CITIC Bank                        |     CITIC    |    302    |
| China Construction Bank                 |      CCB     |    105    |
| China Everbright Bank                   |      CEB     |    303    |
| China Guangfa Bank                      |      GDB     |    789    |
| China Merchants Bank                    |      CMB     |    308    |
| China Minsheng Bank                     |     CMBC     |    305    |
| China Zheshang Bank                     |      CZB     |    316    |
| Hengfeng Bank Co.                       |      HFB     |    793    |
| HSBC Bank                               |      HXB     |    790    |
| Industrial and Commercial Bank of China |     ICBC     |    102    |
| Industrial Bank Co., Ltd                |      CIB     |    309    |
| Ping An Bank                            |    PINGAN    |    788    |
| Postal Savings Bank of China            |     PSBC     |    403    |
| Shanghai Pudong Development Bank        |     SPDB     |    310    |

<br />

</details>