Payments

This page covers both directions of moving money: sending to a Contact and receiving into one of your Accounts.

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Send money

Overview

Pay a Contact from one of your Accounts. Sends use a live exchange-rate quote, and you confirm the final amounts on a Review screen before any money moves. Reach the flow from Sidebar → Send or from Send Money on the Home page.

Available actions

• Pick a Contact and the destination payment method on that Contact
• Pick a source Account from your workspace
• Choose the send currency (the recipient's currency or yours)
• Review a live quote with the exchange rate, fee breakdown, and recipient amount
• Confirm on the Review screen before any money moves
• Track the live status of the payment after confirming

Prerequisites

• A Verified Contact with at least one payment method. See Contacts
• A funded Account in the workspace, or the option to convert beforehand. See Accounts and Conversions
• For some corridors, a Purpose of Transaction value (for example, Salary Payment, Family Support, Bill Payment), required by the destination network

Form fields

• From Account — the source Account
• Send as — the currency to send in
• Amount — the amount to send
• Payment Rail — for bank-account methods, the network used to deliver. One or more options depending on the currency
• Purpose of Transaction — required for corridors that mandate it

The screen also shows live calculations for Recipient Will Get, Transfer Fee, Exchange Rate, Total Charged, and a Rate refreshes in X s countdown.

Status flow after confirming

Copy the Transaction ID from the status screen to share with support when investigating a specific payment.

Notes

• Payments cannot be reversed after confirmation. The Review screen is the last opportunity to catch a mistake.
• Quotes expire. The B2B Payments App generates a new quote automatically if the "Rate refreshes in X s" countdown reaches zero before confirmation. The screen displays "The payout plan has expired. A new plan will be created." The new fees and totals may differ from the prior quote.
• Sent payments do not appear in Transactions instantly. Refresh the Transactions page to load the new entry.
• Invalid amount or insufficient balance displays as "The amount value is invalid or exceeds your available balance." Check the amount value and format (zero, negative, or out-of-range values are rejected), then lower the amount, top up the source Account, or convert from another Account.
• No payment rails available indicates the selected currency cannot be delivered to that bank account. Pick a different currency or a different payment method on the Contact. See B2B App Payout Corridors.
• Missing recipient information displays as "This recipient is missing required information. Please add a new contact and re-enter their details before sending again." Common for corridors that require extra fields such as email or ID. See B2B App Payout Corridors.

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Receive money

Overview

Share the deposit details for one of your Accounts so a sender can pay you. The B2B Payments App stores bank-deposit instructions for fiat currency and stablecoin wallet addresses, and provides controls to copy and share them. Reach the page from Sidebar → Receive or from Request Payment / Add Funds on the Home page.

Available actions

• View bank deposit instructions for receiving fiat currency on the Bank Accounts tab
• View wallet addresses for receiving stablecoins on the Wallets tab
• Copy any individual field, or Copy All to copy the whole set at once
• Reveal masked sensitive fields, typically the account number

Prerequisites

• An Account in the workspace for the currency or asset you want to receive: Cash for fiat currency, Wallet for stablecoins. Accounts are configured by your administrator.

Bank Account fields

• Bank Name
• Account Number (masked by default; reveal with the unmask control)
• Routing Number or local equivalent (CLABE, IBAN, etc., depending on country) — not masked
• Reference # — a unique number that must appear in the payment memo
• Contact Name and Contact Address — the name and address registered on the Account
• Wire Transfer Details for international wires

Wallet fields

• Asset — the stablecoin (USDC, USDT, etc.)
• Network / Format — the blockchain network the address is on
• Wallet Address — the blockchain address itself, not masked
• Tag / Memo — present only on networks that require tags

Notes

• The Reference # is required for bank deposits. Without it, the bank may not route the deposit to the correct Account. The app displays a warning banner: "When funding your account by bank transfer, you must include your Reference # in the payment memo to ensure your deposit is correctly routed."
• Asset and network must match. Sending a stablecoin on the wrong network can lose the funds permanently.
• Receiving is not instant. Bank transfers take minutes to a few business days depending on the rail. Stablecoin transfers take minutes depending on confirmations.
• Account numbers are masked for security. Routing numbers and wallet addresses are not masked.
• The list does not auto-update. Refresh the Transactions page to load an inbound payment.
• An empty tab indicates an unconfigured Account. "No bank accounts available" or "No wallets available" means your administrator has not set up an Account for that currency.

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Related resources

• Contacts — the Contacts you can send to
• Accounts and Conversions — source Accounts and conversions
• B2B App Payout Corridors — currencies, countries, and rails
• Transactions — where Sends and Receives appear after confirmation