User Guide

Single Payment

1. Create a New Payment

Navigate to 'Disbursement' > 'Payment' > 'Single Disbursement', then select an existing beneficiary or add a new one.

• If you select an existing beneficiary, you will be directed to the payment page.
• If you add a new beneficiary, you will be directed to the creation page.

Step 1. Click to open the Create Beneficiary Information page.


Step 2. Fill in the required account details and save. The beneficiary will then be available for this payment. For detailed instructions, please refer to Beneficiary Account Management.


Step 3. Proceed to the payment information entry. Please follow the steps under Existing Beneficiary.

Step 4. On the payment information page, complete the following fields:

• Beneficiary: The currently selected account will be displayed by default. You can switch to another beneficiary via the dropdown menu.
• Payment Amount / Settlement Amount: Enter either amount. The system will automatically calculate the other. Both must meet transaction limits and cannot exceed available balance (excluding intermediary bank fees).
• Payment Currency / Settlement Currency: Automatically matched based on the beneficiary settings.
• Exchange Rate: Displayed in real time, showing the conversion between the payment currency and settlement currency.
• Settlement Timeframe: Displays the estimated time from payment approval (if applicable) to funds arrival, depending on the selected payment method.
• Payment Method: Derived from the beneficiary information and cannot be modified. Different methods may have different limits and settlement times.
• Fee Details: Fees and taxes (excluding intermediary bank fees) are calculated according to contractual fee settings. Actual fees may be adjusted during final approval due to exchange rate fluctuations, with the transaction result as final.

Step 5. Click Next to go to the confirmation page. Enter the following:

• Payment Note (displayed on the beneficiary’s bank statement)
• Payment Purpose (mandatory)
• Remarks (for internal use, optional)

Step 6. After confirming the information, click Submit. The system will prompt for two-factor authentication. Once verified, the payment will be successfully created.

2. Payout Approval

Payout Review Overview

To ensure fund security, the system automatically enables payout approval once merchants activate the payout service (applicable to both single and batch payouts). After submitting a payout request, it must be reviewed and approved by another operator with approval authority before the payout is officially initiated.

During the approval process, payout amounts and fees may vary due to exchange rate fluctuations. The final credited amount is based on the actual transaction outcome.

Approval Access & Scope

Navigate to 'Disbursement' > 'Payment Approval' and click Single Approval to access the pending approval list.

• The list only displays single payout requests submitted via the Merchant Management Platform with status Pending Approval.
• Orders submitted via API or already processed will not appear.

View and Manage Payout Approval

Click the Payout Approval button on the right side of a pending payout order to open the side detail panel, which supports the following actions:

• Approve: Initiates the payout request upon clicking.
• Reject: Submit the rejection reason, and the payout request will be declined.

How to Check Approval Results

After the review is completed, you can check the order status via 'Disbursement' > 'Payment' :

• Approved: The order status changes to 'Processing' and the payout detail page timeline displays the approval record and time.
• Rejected: The order status changes to 'Failed' and the rejection reason can be viewed in the query list.

3. Payout Inquiry

Query Path: 'Disbursement' > 'Payment' , click Single Payout Inquiry to view all payout transaction records.

• Payout orders submitted via API;
• Single and batch payout orders submitted via the Merchant Management Platform (after approval, batch payouts are displayed as individual records in the query results).

Payout List and Detail Operations

On the Single Payout Inquiry page, you can view each payout’s time, payee information, status, amount, batch number, and more. Available actions vary depending on the payout status. Click an order in the list to enter the payout detail page, which contains the complete transaction timeline, payout details, exchange rate information, fee breakdown, and current status.

Status	Description	Available Actions
Pending Approval	The payout order has been submitted and is waiting for review by an operator with approval authority	Approve / Reject
Processing	The platform has received the request and submitted it to the bank/institution	Download Payout Receipt
Awaiting Supplementary Documents	The payout was blocked by platform risk controls or the bank/institution; additional RFI documents from the merchant are required to continue	Download Payout Receipt / Submit Documents
Awaiting Top-up	Insufficient merchant balance caused the payout to fail; the payout will automatically be retried once the balance is replenished	Download Payout Receipt / Top-up
Completed	The bank/institution has successfully processed the payout (actual credited amount subject to payee receipt)	Download Payout Receipt
Failed	The payout was rejected during approval or failed; failure/rejection reasons can be viewed in the detail page	Download Payout Receipt
Returned	The bank/institution has returned the funds	Download Payout Receipt

Download Proof

After a payout is approved, enter the detail page and click the Download Proof button to obtain the complete proof for that payout.

The payout inquiry list also supports batch operations: click Download Proof in the list to download all approved payout proofs in bulk.

Export Payout Records

Click the Export button on the payout inquiry list to export all payout records within the current query range, covering payouts in all statuses.

Exported results include all payout orders (all statuses), while statements only contain approved payouts.

4. Beneficiary Account Management

You can create frequently used beneficiary accounts to avoid re-entering information for the same recipient in future payouts. When creating an account, the beneficiary information must be filled in according to Country + Payment Method + Settlement Currency.

Account Creation Process

• Go to 'Disbursement' > 'Payment', switch to 'Beneficiary Management', and click the Create Beneficiary Account button.
• Select the beneficiary type (Individual / Corporate). The system will display available countries/regions and settlement currencies based on your contracted payout products.
• Based on the beneficiary type, country, and settlement currency, supported payment methods (single choice) will be displayed. After selecting a payment method, the system will show the required account information fields. Complete the form following the on-screen instructions to successfully create the account.

5. Payout Permission Configuration

Payout Menu Management

Administrators can configure Payout Approval settings through Menu Management, controlling whether operators have approval authority and whether the approval mechanism is enabled:

• Once an administrator grants Payout Approval permission, operators can review and approve payout requests submitted by themselves or others under the same merchant account.
• In 'Settings' > 'Menu Management', you can toggle whether to enable Disbursement Approval. This setting applies to both single and batch payouts, and the system enables the approval workflow by default.

Payout-Related Permission Management

Only administrators can configure operator permissions. Go to 'Settings' > 'Users' to assign the following payout-related permissions to operators:

• Payout Inquiry: Authorized operators can view the payout order list. Operators without this permission cannot perform payout inquiries.
• Payout Request: Authorized operators can initiate single or batch payouts. Operators without this permission cannot submit payout requests.
• Payout Approval: Authorized operators can review and approve payout requests. Operators without this permission cannot perform payout approval actions.

Batch Payouts

1. Create a Batch Payout

Go to 'Disbursement' > 'Payment' and click the Batch Transfers button to start the process.

Download template:

Click check the template and select the payout country, payment method, and debit currency based on your needs. The system will provide an Excel template for you to fill out.

Fill in Payout Details

Complete the payout information according to the template guidelines:

• Pink cells are required and must be accurately filled;
• Green cells are optional;
• Blank cells can be left empty.

2. Upload Excel and Validate

After filling in the template, upload the file. The system will automatically generate a batch number and validate the content. You can add payout remarks as internal identifiers, then click Create.

Once validation is complete, check the validation status in 'Disbursement' > 'Payment' > 'Batch Payment Query'.

3. Submit batch

After successful validation, click Submit the Batch on the Batch Inquiry page to initiate payouts. The system will automatically process successfully parsed orders, while failed ones will be ignored. Any failed items can be corrected and re-uploaded as prompted.

If there are failed items, you can modify them as prompted and re-upload.

Payout Status Explanation

Status	Description
Processing	Some orders in the batch have not yet reached a final state.
Completed	All payout orders in the batch have reached a final state (Success / Failed / Returned).