Send a payout

Your sender is approved. Your counterparty is active. Now pay.

This page shows one payment: a business buys goods from a Chinese supplier and pays in CNY from a Nigerian naira wallet.

Get a quote

A payout that converts a currency needs a quote. Send the reference of the quote in quoteReference. See Conversions.

A payout from a CNY wallet to CNY needs no quote.

Choose a processing mode

Every payment carries a processing mode. Send it in the payout request.

Mode	When it settles	What it suits
Normal	Business hours, Monday to Friday. Settlement is T+1.	Planned payments, such as a supplier invoice or a payroll run.
Instant	Any time, 24 hours a day, 7 days a week.	Payments that cannot wait for the next business day, and weekend or holiday payments.

Both modes pay a business bank account and an individual bank account. The mode does not limit the account type.

The fee depends on the mode and on the counterparty type, so a business account on Instant and an individual account on Normal carry different fees. Ask your account manager for your rate card.

📘
A Friday payment on Normal settles on the next business day
Normal settles T+1 inside business hours from Monday to Friday. Choose Instant when the payment must leave on a weekend or a public holiday.

Send the payout

The three values below are fixed for every China payout.

Field	Value
`destinationCurrency`	`CNY`
`paymentScheme`	`cnaps`
`paymentDestination`	`bank_account`

curl -X POST https://api.fincra.com/send \
  -H "api-key: $FINCRA_API_KEY" \
  -F "business=64a1f0c2e4b0a12345678901" \
  -F "sourceCurrency=NGN" \
  -F "destinationCurrency=CNY" \
  -F "amount=5000000" \
  -F "quoteReference=QTE-8842-XYZ" \
  -F "senderId=sndr_9f21c8a4b5d6e7f8" \
  -F "counterpartyId=cp_7a04b1c2d3e4f5a6b7c8d9e0" \
  -F "customerReference=PAY-2026-000123" \
  -F "paymentScheme=cnaps" \
  -F "paymentDestination=bank_account" \
  -F "purposeOfFund=goods_purchase" \
  -F "relationshipWithBeneficiary=supplier" \
  -F "description=Q3 electronics restock" \
  -F "additionalPayoutDetails[orders][0][orderedAt]=2026-07-20T10:30:00Z" \
  -F "additionalPayoutDetails[orders][0][item][name]=LED display panels" \
  -F "additionalPayoutDetails[orders][0][item][quantity]=250" \
  -F "additionalPayoutDetails[orders][0][platform][name]=Alibaba" \
  -F "additionalPayoutDetails[orders][0][platform][url]=https://hq-electronics.en.alibaba.com" \
  -F "files[0][documentType]=invoice" \
  -F "files[0][file][email protected]"

import { readFileSync } from "node:fs";

const form = new FormData();
form.append("business", "64a1f0c2e4b0a12345678901");
form.append("sourceCurrency", "NGN");
form.append("destinationCurrency", "CNY");
form.append("amount", "5000000");
form.append("quoteReference", "QTE-8842-XYZ");
form.append("senderId", "sndr_9f21c8a4b5d6e7f8");
form.append("counterpartyId", "cp_7a04b1c2d3e4f5a6b7c8d9e0");
form.append("customerReference", "PAY-2026-000123");
form.append("paymentScheme", "cnaps");
form.append("paymentDestination", "bank_account");
form.append("purposeOfFund", "goods_purchase");
form.append("relationshipWithBeneficiary", "supplier");
form.append("additionalPayoutDetails[orders][0][orderedAt]", "2026-07-20T10:30:00Z");
form.append("additionalPayoutDetails[orders][0][item][name]", "LED display panels");
form.append("additionalPayoutDetails[orders][0][item][quantity]", "250");
form.append("additionalPayoutDetails[orders][0][platform][name]", "Alibaba");
form.append("files[0][documentType]", "invoice");
form.append("files[0][file]", new Blob([readFileSync("invoice-8842.pdf")]), "invoice-8842.pdf");

const res = await fetch("https://api.fincra.com/send", {
  method: "POST",
  headers: { "api-key": process.env.FINCRA_API_KEY },
  body: form,
});
const payout = await res.json();

import os, requests

data = {
    "business": "64a1f0c2e4b0a12345678901",
    "sourceCurrency": "NGN",
    "destinationCurrency": "CNY",
    "amount": 5000000,
    "quoteReference": "QTE-8842-XYZ",
    "senderId": "sndr_9f21c8a4b5d6e7f8",
    "counterpartyId": "cp_7a04b1c2d3e4f5a6b7c8d9e0",
    "customerReference": "PAY-2026-000123",
    "paymentScheme": "cnaps",
    "paymentDestination": "bank_account",
    "purposeOfFund": "goods_purchase",
    "relationshipWithBeneficiary": "supplier",
    "additionalPayoutDetails[orders][0][orderedAt]": "2026-07-20T10:30:00Z",
    "additionalPayoutDetails[orders][0][item][name]": "LED display panels",
    "additionalPayoutDetails[orders][0][item][quantity]": 250,
    "additionalPayoutDetails[orders][0][platform][name]": "Alibaba",
    "files[0][documentType]": "invoice",
}

res = requests.post(
    "https://api.fincra.com/send",
    headers={"api-key": os.environ["FINCRA_API_KEY"]},
    data=data,
    files={"files[0][file]": open("invoice-8842.pdf", "rb")},
)
payout = res.json()

{
  "success": true,
  "message": "Payout initiated successfully.",
  "data": {
    "id": 90210,
    "reference": "PO-8f3a2c1d",
    "customerReference": "PAY-2026-000123",
    "status": "processing",
    "isDocumentRequired": false,
    "documentsRequired": [],
    "senderId": "sndr_9f21c8a4b5d6e7f8",
    "counterpartyId": "cp_7a04b1c2d3e4f5a6b7c8d9e0"
  }
}

Store the reference. You need it to upload a document and to match a webhook.

The status is processing, because the request carried the invoice that goods_purchase needs. A request that misses a document returns documents_required. See Purpose, details and documents.

The fields you send

Field	Required	Notes
`business`	Yes	Your business id. Exactly 24 characters.
`sourceCurrency`	Yes	The wallet you pay from.
`destinationCurrency`	Yes	`CNY`.
`amount`	Yes	The amount in the source currency.
`senderId`	Yes	The `sndr_` id.
`counterpartyId`	Yes	The `cp_` id.
`customerReference`	Yes	Your own reference. It must be unique.
`paymentScheme`	Yes	`cnaps`.
`paymentDestination`	Yes	`bank_account`.
Processing mode	Yes	Normal or Instant. See Choose a processing mode.
`purposeOfFund`	Yes	One of 20 values for CNY.
`relationshipWithBeneficiary`	Yes	For example `supplier` or `employee`.
`additionalPayoutDetails`	Yes	Trade details or salary details.
`quoteReference`	For a conversion	The reference of the quote.
`files`	No	The supporting documents.
`description`	No	Free text.

📘
The samples above omit the processing mode
Take the mode field name from the API reference for POST /send and add it to each sample. Everything else in the samples is complete.

📘
Send senderId and paymentScheme every time
The schema marks both as optional. Fincra runs the sender checks and the foreign-currency flow only when you send senderId. Fincra builds the counterparty type from the currency and the payment scheme, so a missing paymentScheme returns a type mismatch.

The endpoint rejects any field that the table above does not list. It rejects beneficiary, sender, correspondent, intermediary, customerName, additionalInfo and documentType from the older POST /payouts endpoint.

Retry safely

customerReference must be unique for your business. Reuse the same reference when you retry after a 500 response. A second request with a reference that already succeeded returns Cannot continue, Duplicate Customer Reference Passed.

Track the payout

Fincra sends a webhook when the status changes. Match it on the payout reference.

Status	Meaning
`documents_required`	Fincra holds the payout. A document is missing.
`processing`	Fincra works on the payout.
`pending`	Fincra waits on an internal step.
`successful`	The counterparty received the money.
`failed`	The payout did not complete. Read `message`.
`change_requested`	Fincra asks for a change.

Confirm every webhook against the payout reference before you release goods or services. The sandbox sends no payout webhook.

Next: Purpose, details and documents.

Get a quote

Choose a processing mode

A Friday payment on Normal settles on the next business day

Send the payout

The fields you send

The samples above omit the processing mode

Send senderId and paymentScheme every time

Retry safely

Track the payout

Send `senderId` and `paymentScheme` every time