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概览

跨币种出款允许你使用 UQPAY 账户中的一种币种发起出款，由受益人以另一种币种收款。这样就无需单独进行换汇，简化了国际支付流程。 完整的支持币种对清单，请参阅跨币种出款支持的币种对。

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核心优势

  • 流程简化：无需在出款前单独发起换汇
  • 实时汇率：通过即时报价锁定有竞争力的汇率

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分步实施

本指南演示以 100 USD 出款、受益人收取等值 THB 的示例。

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步骤 1：创建受益人（可选）

如果你尚未为目标币种（THB）创建受益人，请先创建。 API 参考： Create Beneficiary 请求： 
{
  "email": "[email protected]",
  "nickname": "THB beneficiary",
  "entity_type": "COMPANY",
  "company_name": "UQPAY TECHNOLOGY SG PTE LTD",
  "payment_method": "LOCAL",
  "bank_details": {
    "bank_name": "The Currency Cloud Limited",
    "bank_address": "12 Steward Street, The Steward Building, London, E1 6FQ, GB",
    "bank_country_code": "TH",
    "account_holder": "UQPAY PTE. LTD.",
    "account_currency_code": "THB",
    "clearing_system": "LOCAL",
    "swift_code": "BKKBTHBKXXX",
    "account_number": "123456789012",
    "iban": "123456789012"  
  },
  "address": {
    "country": "TH",
    "city": "th",
    "street_address": "123 Main St",
    "postal_code": "123456",
    "state": "thqwe",
    "nationality": "TH"
  },
  "additional_info": {}
}
响应： 
{
  "beneficiary_id": "e15436e2-35e8-4680-920d-4852940c18ba",
  "short_reference_id": "BF250917-WQEQ2D7Q"
}

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步骤 2：创建报价

创建报价以锁定当前汇率。报价必须在有效期内使用。 API 参考： Create Quote 请求： 
{
  "sell_currency": "USD",
  "sell_amount": "100",
  "buy_currency": "THB",
  "conversion_date": "2025-09-17",
  "transaction_type": "payout"
}
响应： 
{
  "buy_amount": "3160.3",
  "buy_currency": "THB",
  "quote_price": {
    "currency_pair": "USDTHB",
    "direct_rate": "31.60308",
    "inverse_rate": "0.031642",
    "quote_id": "a202824c-2f93-4561-b298-b5bba76d8a10",
    "validity": {
      "valid_from": 1758102115087,
      "valid_to": 1758102415093
    }
  },
  "sell_amount": "100",
  "sell_currency": "USD"
}
关键参数：
  • sell_currency：你账户中的币种（USD）
  • sell_amount：你希望出款的金额（100）
  • buy_currency：受益人收款的币种（THB）
  • transaction_type：跨币种出款必须设置为 “payout”
说明： 你也可以指定固定的 buy_amount 而不是 sell_amount，即若希望受益人收到特定金额（例如 1000 THB），系统会按当前汇率自动计算所需的 sell_amount。 从响应中提取以下字段值：
  • buy_amount：“3160.3”
  • buy_currency：“THB”
  • sell_amount：“100”
  • sell_currency：“USD”
  • quote_id：“a202824c-2f93-4561-b298-b5bba76d8a10”

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步骤 3：创建出款

在报价有效期内，使用报价信息创建出款。 API 参考： Create Payout 请求： 
{
  "currency": "USD",
  "amount": "100",
  "quote_id": "a202824c-2f93-4561-b298-b5bba76d8a10",
  "payout_currency": "THB",
  "payout_amount": "3160.3",
  "purpose_code": "AUDIO_VISUAL_SERVICES",
  "payout_reference": "cross currency INR test",
  "fee_paid_by": "OURS",
  "payout_date": "2025-09-17",
  "beneficiary_id": "e15436e2-35e8-4680-920d-4852940c18ba"
}
响应： 
{
  "payout_id": "3357f314-14bd-477a-bdf8-12245e863f98",
  "short_reference_id": "P250917-VKVAKHWQ",
  "payout_status": "READY_TO_SEND"
}
参数映射：
出款参数报价响应说明
currencysell_currency账户中的源币种
amountsell_amount待出款金额
payout_currencybuy_currency受益人收款币种
payout_amountbuy_amount受益人收款金额
quote_idquote_id用于锁定汇率的报价标识

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Webhook 通知

API 参考： Payout Status Webhook

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出款待发送

当出款被 UQPAY 受理时，你会收到以下 webhook： 
{
  "version": "V1.6.0",
  "event_name": "PAYOUT",
  "event_type": "payout.ready.send",
  "event_id": "ecefbe35-e1a6-42da-a780-8687e0842dd4",
  "source_id": "3357f314-14bd-477a-bdf8-12245e863f98",
  "data": {
    "account_id": "44fb810d-6bca-411c-964a-3013de34b798",
    "amount": "100",
    "authorisation_steps_required": "0",
    "beneficiary_id": "e15436e2-35e8-4680-920d-4852940c18ba",
    "conversion": {
      "client_rate": "31.60308",
      "currency_pair": "USDTHB"
    },
    "currency": "USD",
    "direct_id": "0",
    "failure_reason": "",
    "failure_returned_amount": "",
    "fee_amount": "0.4",
    "fee_currency": "USD",
    "fee_paid_by": "OURS",
    "payment_date": "2025-09-17",
    "payment_type": "LOCAL",
    "payout_amount": "3160.3",
    "payout_currency": "THB",
    "payout_id": "3357f314-14bd-477a-bdf8-12245e863f98",
    "payout_way": "API",
    "quote_id": "a202824c-2f93-4561-b298-b5bba76d8a10",
    "reason": "audiovisual services",
    "reference": "cross currency INR test",
    "short_reference": "P250917-VKVAKHWQ",
    "short_reference_id": "P250917-VKVAKHWQ",
    "status": "READY_TO_SEND",
    "unique_request_id": ""
  }
}

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出款完成

当出款成功处理完成时： 
{
  "version": "V1.6.0",
  "event_name": "PAYOUT",
  "event_type": "payout.completed",
  "event_id": "58b82ca4-7196-47b8-9ddb-5d7c26a1920f",
  "source_id": "3357f314-14bd-477a-bdf8-12245e863f98",
  "data": {
    "account_id": "44fb810d-6bca-411c-964a-3013de34b798",
    "amount": "100",
    "authorisation_steps_required": "0",
    "beneficiary_id": "e15436e2-35e8-4680-920d-4852940c18ba",
    "conversion": {
      "client_rate": "31.60308",
      "currency_pair": "USDTHB"
    },
    "currency": "USD",
    "direct_id": "0",
    "failure_reason": "",
    "failure_returned_amount": "",
    "fee_amount": "0.4",
    "fee_currency": "USD",
    "fee_paid_by": "OURS",
    "payment_date": "2025-09-17",
    "payment_type": "LOCAL",
    "payout_amount": "3160.3",
    "payout_currency": "THB",
    "payout_id": "3357f314-14bd-477a-bdf8-12245e863f98",
    "payout_way": "API",
    "quote_id": "a202824c-2f93-4561-b298-b5bba76d8a10",
    "reason": "audiovisual services",
    "reference": "cross currency INR test",
    "short_reference": "P250917-VKVAKHWQ",
    "short_reference_id": "P250917-VKVAKHWQ",
    "status": "COMPLETED",
    "unique_request_id": ""
  }
}

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其他注意事项

不同的出款币种可能有特定的参数要求：

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INR 出款

  • 在出款请求的 documentation 字段中上传发票文件

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COP 出款

需要在受益人的 additional_info 中补充以下信息：
字段类型适用对象说明示例
id_typestring个人受益人证件类型PASSPORT、NATIONAL_ID、DRIVERS_LICENSE
id_numberstring个人受益人证件号码A1234567
tax_idstring企业受益人税号123456
msisdnstring所有受益人手机号码，格式为 +[国家/地区代码][电话号码]+65111111