CNY Payout(new encryption)

Summary

Unlock seamless cross-border payments with the Payout API for CNY, enabling businesses/customers to send funds to recipients in China efficiently.

Integration steps

• Generate bearer token

• Create a quotation

• Get bank codes (BANK_ACCOUNT and BANK_CARD only)

• Upload Attachment (B2B only)

• Initiate a transfer

• Listen for status

Before you begin!

• Find your keys on the Klasha Dashboard → Settings → Generate API Keys (here)

Source wallet

All transfers would be debited from the respective payout currency wallet balance. Ensure you have sufficient balance before making any transfer request.

Generate a token bearer

Token Generation

Create Quotation

Payout quotation is created based on the category. Here is the list of categories

Transfer Type	Service	Service Code
B2B	BANK_ACCOUNT	Not applicable
C2C	BANK_ACCOUNT	Not applicable
C2C	BANK_CARD	UNIONPAY
C2C	WALLET	ALIPAY
C2C	WALLET	WECHATPAY

Make a POST call to the create quotation API

POST {{env_url}}/wallet/merchant/quotation/v2

You would need to pass, as a header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Key	Value
Content-Type	application/json
Authorization	Bearer <token here>
x-auth-token	MERCHANT PUBLIC KEY

Request body (encrypted):

{ 
  "message": "encrypted-request-body"
}

Request body (plain)

{
    "serviceCode": "UNIONPAY",
    "service": "BANK_CARD",
    "transferType": "C2C",
    "destinationCurrency": "CNY",
    "sourceCurrency": "USD",
    "fundSource": "CASH",
    "destinationAmount": "10"
}

Response

200 OK

{
    "id": 472,
    "sourceAmount": 9.40,
    "sourceCurrency": "USD",
    "destinationAmount": 70.00,
    "destinationCurrency": "CNY",
    "fxRate": 7.44,
    "fee": 6.00,
    "expiration": 1734490800000,
    "reference": "f7c32b34-ec79-4de2-ae8a-42529",
    "expired": false
}

Encryption algorithm

Java

public static String encryptCBC(String stringToEncrypt, String encryptionkey) {
    try {
        SecureRandom sr = new SecureRandom();
        byte[] salt = new byte[8];
        sr.nextBytes(salt);
        final byte[][] keyAndIV =GenerateKeyAndIV(32, 16, 1, salt, encryptionkey.getBytes(StandardCharsets.UTF_8),
                MessageDigest.getInstance("MD5"));
        Cipher cipher = Cipher.getInstance("AES/CBC/PKCS5Padding");
        cipher.init(Cipher.ENCRYPT_MODE, new SecretKeySpec(keyAndIV[0], "AES"), new IvParameterSpec(keyAndIV[1]));
        byte[] encryptedData = cipher.doFinal(stringToEncrypt.getBytes(StandardCharsets.UTF_8));
        byte[] prefixAndSaltAndEncryptedData = new byte[16 + encryptedData.length];
        // Copy prefix (0-th to 7-th bytes)
        System.arraycopy("Salted__".getBytes(StandardCharsets.UTF_8), 0, prefixAndSaltAndEncryptedData, 0, 8);
        // Copy salt (8-th to 15-th bytes)
        System.arraycopy(salt, 0, prefixAndSaltAndEncryptedData, 8, 8);
        // Copy encrypted data (16-th byte and onwards)
        System.arraycopy(encryptedData, 0, prefixAndSaltAndEncryptedData, 16, encryptedData.length);
        return Base64.getEncoder().encodeToString(prefixAndSaltAndEncryptedData);
    } catch (Exception e) {
        throw new RuntimeException(e);
    }
}

public static byte[][] GenerateKeyAndIV(int keyLength, int ivLength, int iterations, byte[] salt, byte[] password, MessageDigest md) {

    int digestLength = md.getDigestLength();
    int requiredLength = (keyLength + ivLength + digestLength - 1) / digestLength * digestLength;
    byte[] generatedData = new byte[requiredLength];
    int generatedLength = 0;

    try {
        md.reset();

        // Repeat process until sufficient data has been generated
        while (generatedLength < keyLength + ivLength) {

            // Digest data (last digest if available, password data, salt if available)
            if (generatedLength > 0)
                md.update(generatedData, generatedLength - digestLength, digestLength);
            md.update(password);
            if (salt != null)
                md.update(salt, 0, 8);
            md.digest(generatedData, generatedLength, digestLength);

            // additional rounds
            for (int i = 1; i < iterations; i++) {
                md.update(generatedData, generatedLength, digestLength);
                md.digest(generatedData, generatedLength, digestLength);
            }

            generatedLength += digestLength;
        }

        // Copy key and IV into separate byte arrays
        byte[][] result = new byte[2][];
        result[0] = Arrays.copyOfRange(generatedData, 0, keyLength);
        if (ivLength > 0)
            result[1] = Arrays.copyOfRange(generatedData, keyLength, keyLength + ivLength);

        return result;

    } catch (DigestException e) {
        throw new RuntimeException(e);

    } finally {
        // Clean out temporary data
        Arrays.fill(generatedData, (byte) 0);
    }
}

Get Bank Codes

Get Bank codes by BANK_ACCOUNT

GET {{env_url}}/wallet/merchant/bank/transfer/request/banks/CNY

Get Bank codes by BANK_CARD

GET {{env_url}}/wallet/merchant/bank/transfer/request/banks/CNY?type=bank_card

Headers

Key	Value
Content-Type	application/json
Authorization	Bearer <token here>

200: OK - By BANK_ACCOUNT

{
    "message": "success",
    "error": null,
    "data": [
        {
            "code": "403100000004",
            "name": "Postal Savings Bank of China (中国邮政储蓄银行)"
        },
        {
            "code": "102100099996",
            "name": "Industrial and Commercial Bank of China (中国工商银行)"
        },
        {
            "code": "103100000026",
            "name": "Agricultural Bank of China (中国农业银行)"
        }
   ...]
}    

200: OK - By BANK_CARD

{
    "message": "success",
    "error": null,
    "data": [
        {
            "code": "03010000",
            "name": "Bank of Communications"
        },
        {
            "code": "01040000",
            "name": "Bank of China"
        },
        {
            "code": "03033320",
            "name": "Guang Da Bank"
        },
        {
            "code": "14505800",
            "name": "GuangDong Rural Credit Bank"
        }
    ...]
}

Upload attachment

Supported Attachment Types

Values
COMMERCIAL_DOCUMENTS
LOGISTICS_DOCUMENTS
LOGISTICS_COMMUNICATION_DOCUMENTS
CONTRACT_DOCUMENTS
ORDER_DOCUMENTS
CUSTOMS_DECLARATION
OTHERS

Make a POST call to upload file

POST {{env_url}}/wallet/merchant/file

You would need to pass, as a header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Key	Value
Context-Type	multipart/form-data
Authorization	Bearer <token here>
x-auth-token	MERCHANT PUBLIC TOKEN

Form request:

{
    --form 'file=@"/path/to/file"' \
    --form 'purpose="Party"' \
    --form 'attachmentType="COMMERCIAL_DOCUMENTS"'
}

Initiate a transfer

Make a POST call to the initiate transfer request API

POST {{env_url}}/wallet/merchant/{businessId}/bank/transfer/v2/request

You would need to pass, as a header the x-auth-token. This can be obtained from your merchant dashboard → Settings → Generate API keys → Merchant public key.

Headers

Key	Value
Content-Type	application/json
x-auth-token	MERCHANT PUBLIC KEY
Authorization	Bearer <token here>

ID TYPE

Values	Description
ID_CARD	national id card
UNIFIED_SOCIAL_CREDIT_ID	unified social credit id of China registered company
PASSPORT	passport
BUSINESS_REGISTRATION_CERT	business registration certificate

ACCOUNT ID

Values	Description
MOBILE	ALIPAY and WECHATPAY
EMAIL	ALIPAY only

Relationship

Values
SELF
SPOUSE
PARENTS
SONS_AND_DAUGHTERS
BROTHERS_AND_SISTERS
GRANDPARENTS
GRANDPARENTS_IN_LAW
GRANDCHILDREN
MATERNAL_GRANDCHILDREN

Account Type

Values
INDIVIDUAL
COMPANY

TradeType

Values
GOODS

Purpose

Values	Description
GOODS_PURCHASE	B2B
SALARY	C2C
FAMILY_SUPPORT	C2C
TRAVEL	C2C
INSURANCE	C2C
INVESTMENT	C2C
SERVICE_CHARGES	C2C
PATENT_ROYALTY	C2C
OTHER	C2C

Request body (encrypted):

{ 
  "message": "encrypted-request-body"
}

Request body (plain)

B2B, BANK_ACCOUNT

{
    "receiverLastName": "杜",
    "bankCode": "03010000",
    "receiverBusinessIdType": "ID_CARD",
    "purpose": "GOODS_PURCHASE",
    "quotationId": 1,
    "accountName": "约翰·杜",
    "creditAccountCountry": "CN",
    "document": {
        "totalAmount": "1500",
        "attachments": [
            {
                "fileId": "1"
            }
        ],
        "orderNumber": "982f38-C",
        "orderTime": "100",
        "orderCurrency": "CNY",
        "logistics": {
            "company": "China pay",
            "orderNo": "123456789"
        },
        "tradeType": "GOODS",
        "products": [
            {
                "name": "Motors",
                "quantity": "1"
            }
        ]
    },
    "accountType": "INDIVIDUAL",
    "senderFirstName": "Sender",
    "senderBusinessAddress": {
        "city": "Beijing",
        "streetAddress": "West Street",
        "countryCode": "CN",
        "postcode": "065001",
        "state": "Heilongjiang"
    },
    "bankName": "Bank of communications",
    "receiverBusinessRegisteredName": "圣公司",
    "receiverBusinessAddress": {
        "city": "Beijing",
        "streetAddress": "West Street",
        "countryCode": "CN",
        "postcode": "065001",
        "state": "Heilongjiang"
    },
    "accountNumber": "10000000000",
    "receiverBusinessIdNumber": "1000000000",
    "senderBusinessRegisteredName": "圣公司",
    "receiverBusinessMobileNumber": "[phone]",
    "requestId": "China_payout",
    "receiverFirstName": "约翰",
    "senderLastName": "China"
}

C2C, BANK_ACCOUNT

{
    "receiverIdType": "ID_CARD",
    "receiverLastName": "杜",
    "bankCode": "03010000",
    "senderAddress": {
        "city": "Beijing",
        "streetAddress": "West Street",
        "countryCode": "CN",
        "postcode": "065001",
        "state": "Heilongjiang"
    },
    "senderNationality": "CN",
    "senderIdType": "ID_CARD",
    "purpose": "FAMILY_SUPPORT",
    "quotationId": 1,
    "accountName": "约翰·杜",
    "creditAccountCountry": "CN",
    "accountType": "INDIVIDUAL",
    "senderFirstName": "Sender",
    "receiverIdNumber": "1000000000",
    "senderIdNumber": "1000000000",
    "bankName": "Bank of communications",
    "accountNumber": "10000000000",
    "requestId": "China_payout",
    "receiverMobileNumber": "[phone]",
    "receiverFirstName": "约翰",
    "senderLastName": "China",
    "receiverRelationship": "SPOUSE",
    "receiverEmail": "[e-mail]"
}

C2C, BANK_CARD

{
    "receiverLastName": "杜",
    "bankCode": "01020000",
    "senderAddress": {
        "city": "Beijing",
        "streetAddress": "West Street",
        "countryCode": "CN",
        "postcode": "065001",
        "state": "Heilongjiang"
    },
    "senderNationality": "CN",
    "senderIdType": "ID_CARD",
    "purpose": "FAMILY_SUPPORT",
    "quotationId": 1,
    "cardHolderName": "Cui Xia",
    "creditAccountCountry": "CN",
    "senderFirstName": "Sender",
    "senderIdNumber": "1000000000",
    "bankName": "Insdustrial and Commercial bank of China",
    "requestId": "China_payout",
    "receiverFirstName": "约翰",
    "senderLastName": "China",
    "cardNumber": "6222040000030009"
}

C2C, WALLET

{
    "receiverLastName": "杜",
    "senderAddress": {
        "city": "Beijing",
        "streetAddress": "West Street",
        "countryCode": "CN",
        "postcode": "065001",
        "state": "Heilongjiang"
    },
    "senderNationality": "CN",
    "senderIdType": "ID_CARD",
    "purpose": "FAMILY_SUPPORT",
    "quotationId": 1,
    "creditAccountCountry": "CN",
    "senderFirstName": "Sender",
    "senderIdNumber": "1000000000",
    "accountNumber": "10000000000",
    "accountId": "MOBILE",
    "requestId": "China_payout",
    "receiverFirstName": "约翰",
    "senderBirthDate": "2024-08-13",
    "senderLastName": "China",
    "receiverRelationship": "SPOUSE"
}

Fields specification: C2C, BANK_CARD

Field	Description
receiverFirstName	Receiver first name (必须是中文)
receiverLastName	Receiver last name (必须是中文)
senderFirstName	Sender first name
senderLastName	Sender last name
senderNationality	Sender nationality
senderIdType	Sender ID type. Please refer to the supported ID type list
senderIdNumber	Sender ID number
senderAddress	Sender’s address. Refer to the address object
bankName	Name of the bank
bankCode	Bank ID
creditAccountCountry	Bank’s country
cardNumber	Card number
cardHolderName	Name on card
quotationId	Quotation ID obtained after creating a quotation
purpose	Reason for the payout. Please refer to the supported purpose list
requestId	It’s a unique transaction reference will be used to uniquely identify a transfer

Fields specification: C2C, BANK_ACCOUNT

Field	Description
receiverFirstName	Receiver first name (必须是中文)
receiverLastName	Receiver last name (必须是中文)
receiverMobileNumber	Receiver mobile number. Format: [phone]
receiverEmail	Receiver email
receiverRelationship	Relationship with the receiver
receiverIdType	Receiver ID type. Please refer to the supported ID type list
receiverIdNumber	Receiver ID number
senderFirstName	Sender first name
senderLastName	Sender last name
senderNationality	Sender nationality
senderIdType	Sender ID type. Please refer to the supported ID type list
senderIdNumber	Sender ID number
senderAddress	Sender address. Refer to the address object
bankName	Name of the bank
bankCode	Bank ID
creditAccountCountry	Credit account bank’s country
accountNumber	Credit account number
accountName	Credit account name (必须是中文)
accountType	Credit account type. Please refer to the supported account type list
quotationId	Quotation ID obtained after creating a quotation
purpose	Reason for the payout. Please refer to the supported purpose list
requestId	It’s a unique transaction reference will be used to uniquely identify a transfer

Fields specification: C2C, WALLET (ALIPAY, WECHATPAY)

Field Name	Description
receiverFirstName	Receiver first name (必须是中文)
receiverLastName	Receiver last name (必须是中文)
receiverRelationship	Relationship with the receiver
senderFirstName	Sender first name
senderLastName	Sender last name
senderBirthDate	Sender date of birth
senderNationality	Sender nationality
senderIdType	Sender ID type. Please refer to the supported ID type list
senderIdNumber	Sender ID number
senderAddress	Sender address. Refer to the address object
creditAccountCountry	Credit account bank’s country
accountNumber	Credit account number - this is either an email or mobile number for ALIPAY or a mobile number for WECHAT PAY. The login account ID to WeChat or Alipay account.
accountId	The account ID type of either the WeChat or Alipay account. Please refer to the supported account ID type.
quotationId	Quotation ID obtained after creating a quotation
purpose	Reason for the payout. Please refer to the supported purpose list
requestId	It’s a unique transaction reference will be used to uniquely identify a transfer

Fields specification: B2B, BANK_ACCOUNT

Field	Description
receiverFirstName	Receiver first name (必须是中文)
receiverLastName	Receiver last name (必须是中文)
receiverBusinessMobileNumber	Receiver mobile number. Format: [phone]
receiverEmail	Receiver email
receiverBusinessIdType	Receiver ID type. Please refer to the supported ID type list
receiverBusinessIdNumber	Receiver ID number
receiverBusinessRegisteredName	Receiver business name. Chinese characters are required if it's in China
receiverBusinessAddress	Receiver business address
senderFirstName	Sender first name
senderLastName	Sender last name
senderBusinessAddress	Sender business address. Refer to the address object
senderBusinessRegisteredName	Sender business name
bankName	Name of the bank
bankCode	Bank ID
creditAccountCountry	Credit account bank’s country
accountNumber	Credit account number
accountName	Credit account name (必须是中文)
accountType	Credit account type. Please refer to the supported account type list
quotationId	Klasha quotation ID
purpose	Reason for the payout. Please refer to the supported purpose list
requestId	It’s a unique transaction reference will be used to uniquely identify a transfer
document	See: Document

Fields specification: Document

Field	Description
totalAmount	Total amount
orderNumber	Order number
orderTime	Order time
orderCurrency	Order currency
logistics	See: Logistics
tradeType	Please refer to the supported TradeType
products	List<Product> Product
attachments	List<Attachment> See: Attachment

Fields specification: Product

Field	Description
name	Product name
quantity	Quantity

Fields specification: Attachment

Field	Description
fileId	Klasha file ID

Fields specification: Logistics

Field	Description
company	Logistics company
orderNo	Logistics order number

Fields specification: Address

Field	Description
city	City
streetAddress	Street address
countryCode	Country code
postcode	Postcode
state	Province or state

Response

200: OK

{
    "id": 1,
    "amount": 70.00,
    "payoutStatus": "PENDING",
    "requestId": "ed5fa-a33ed-fc4dc",
    "narration": "GOODS_PURCHASE",
    "country": "CN",
    "fee": 6.00,
    "bankCode": "03010000",
    "bankName": "Bank of communications",
    "accountNumber": "10000000000",
    "accountName": "Test Flow"
}

Listen for a status response

When a transfer is initiated, it could take a few seconds or minutes to be processed. This is why we recommend relying on webhooks for verification as opposed to polling.

Once a transfer is processed, we send the final status of the transfer as a POST request to your webhook URL

Successful Webhook

{
  "data": {
    "reference": "kbtr-3857-011-null-166993253331236",
    "createdAt": "2023-03-28T23:01:45.336",
    "amount": 1000,
    "accountName": "Pastor Bright",
    "narration": "certification",
    "name": "Steph and sons",
    "currency": "NGN",
    "bankName": "ACCESS BANK NIGERIA",
    "accountNumber": "0690000032",
    "status": "successful"
  },
  "event": "payout"
}

Failed Webhook

{
  "data": {
    "reference": "kbtr-3857-011-null-166993253334816",
    "createdAt": "2023-03-28T23:01:45.336",
    "amount": 1000,
    "accountName": "Pastor Bright",
    "narration": "certification",
    "name": "Steph and sons",
    "currency": "NGN",
    "bankName": "ACCESS BANK NIGERIA",
    "accountNumber": "0690000032",
    "status": "failed"
  },
  "event": "payout"
}

The possible statuses are listed and described in the following table:

Status	Description
successful	This is sent when the transfer is successful
failed	This is sent when the transfer fails
pending	This transfer is still in progress. Please wait for either success or failed.

Query payout status

Make a call to fetch status of initiated payouts.