Please read the cross-border funds-distribution Product Introduction (Item 3-6 provide detailed case studies and explanations) carefully.

1. For each transaction order, institutions can use this API to initiate a funds-distribution order to a domestic enterprise or an individual user. The interface also supports overseas settlement of the designated funds, as well as partial or full transfer of remaining funds overseas.
2. If an institution plans to settle all remaining funds overseas, they can also use this API to process that quickly.
3. Please process the funds of an order within 180 days. After that, the WeChat Pay will automatically unfreeze the funds and settle them overseas.

Each order can be split into 50 times, so every time can involve distribution to 50 parties.

By default, up to 30% of each transaction can be distributed to a receiver in Mainland of China. If there is a need to increase the percentage, requests will be processed on a case by case basis. Note: Please deduct the order acquiring fee when calculating the funds to be distributed.

Distributable funds of a cross-border funds-distribution order = [transaction order's original amount - the order's refunded amount] x (1 - order acquiring fee rate) - [amount distributed domestically + amount distributed overseas]

1. For domestic receivers, the funds will be distributed instantly.
2. For overseas institution/service providers, the funds will be distributed to the accounts based on the settlement rules agreed.

When the receiver is an individual, the maximum amount that the receiver can receive in a natural month is RMB200,000.

The WeChat Pay platform will lock the exchange rate at the time the overseas funds-distribution order is initiated as the ultimate exchange rate for the transfer. The currency, amount and exchange rate of the settlement will be shown in the return parameters.

Yes. During Hong Kong holidays and holidays involving the settlement currency, the foreign exchange purchasing for the merchants involved will be settled later. During holidays of Mainland of China, merchants cannot initiate any settlement.

1. For the part of the cross-border funds-distribution order that is settled overseas, a refund can be initiated. See Submit Refund API for details.
2. For the part of the domestic funds-distribution order that is settled domestically, a refund cannot be initiated for now. It is recommended to initiate domestic funds-distribution after processing goods return/refund. In this case, the transaction funds are distributed to external enterprises. Initiating funds-distribution after processing goods return/refund will prevent the need to recover funds from external enterprises. Currently we are exploring feasible solutions for such scenarios. Please stay tuned for updates on refund capability.

Yes. Institution/service providers can initiate funds-distribution after successfully adding a receiver.

Yes. Institution/service providers can use API to initiate a deleting receiver request.