--- updatedAt: 2026-08-31T13:02:51.000Z agentTools: projectIndex: https://docs.cybrid.xyz/llms.txt --- # Payments How do I send and receive money? This page covers both directions of moving money: **sending** to a Contact and **receiving** into one of your Accounts. *** ## 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](https://docs.cybrid.xyz/docs/b2b-payments-app-contacts) * A funded Account in the workspace, or the option to convert beforehand. See [Accounts and Conversions](https://docs.cybrid.xyz/docs/b2b-payments-app-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 | Step | Meaning | | ----------------------------------------- | -------------------------------------------- | | **Transaction Initiated** | The request has been accepted | | **Processing Payment** | Funds are moving through the payment network | | **Payment deposited to Bank** (or wallet) | The recipient has received the funds | 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](https://docs.cybrid.xyz/docs/b2b-payments-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](https://docs.cybrid.xyz/docs/b2b-payments-app-payout-corridors). *** ## 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. *** ## Related resources * [Contacts](https://docs.cybrid.xyz/docs/b2b-payments-app-contacts) — the Contacts you can send to * [Accounts and Conversions](https://docs.cybrid.xyz/docs/b2b-payments-app-accounts-and-conversions) — source Accounts and conversions * [B2B App Payout Corridors](https://docs.cybrid.xyz/docs/b2b-payments-app-payout-corridors) — currencies, countries, and rails * [Transactions](https://docs.cybrid.xyz/docs/b2b-payments-app-transactions) — where Sends and Receives appear after confirmation