> ## Documentation Index
> Fetch the complete documentation index at: https://developer.tazapay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# CNAPS (Pay to Bank)

## B2B (Services)

|                                                       |                                                                                                                |
| ----------------------------------------------------- | -------------------------------------------------------------------------------------------------------------- |
| **Supported Modes**                                   | B2B (Services)                                                                                                 |
| **Supported Currencies**                              | CNY                                                                                                            |
| **Network Participant**                               | CNAPS                                                                                                          |
| **Channels**                                          | Major banks in China                                                                                           |
| **Cutoff for Initiating Payout**                      | 3 pm China time                                                                                                |
| **Mandatory Data Requirements for Merchant / Entity** | Payer Full Name, Invoice details (upload)                                                                      |
| **Mandatory Data Requirements for Beneficiary**       | Chinese Name, Account holder Name (as per the bank account), Account number, Bank Name                         |
| **Supporting Documents**                              | Yes. Purchase order / Invoice to be provided before initiating the transaction.                                |
| **Beneficiary Statement Narrative**                   | Xcurrency Hubs                                                                                                 |
| **Limits**                                            | 1M CNY                                                                                                         |
| **Settlement Time**                                   | T+0/1 (Same day)                                                                                               |
| **Rail Availability**                                 | Mon–Fri (9 am–5 pm China time)                                                                                 |
| **Allowed Purpose Codes**                             | PYR001, PYR002, PYR003, PYR004, PYR005, PYR012, PYR013, PYR014, PYR016, PYR017, PYR019, PYR020, PYR021, PYR031 |

***

## B2B and B2C \[Physical Goods Only]

|                                                       |                                                                                                                                              |
| ----------------------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| **Supported Modes**                                   | B2B \[Physical Goods Only] / B2C \[ecommerce only — marketplace making a payout/settlement to sole trader]                                   |
| **Supported Currencies**                              | CNY                                                                                                                                          |
| **Network Participant**                               | CNAPS                                                                                                                                        |
| **Channels**                                          | Major banks in China                                                                                                                         |
| **Cutoff for Initiating Payout**                      | No cut off                                                                                                                                   |
| **Mandatory Data Requirements for Merchant / Entity** | Logistics provider, Tracking number, Payer Full Name, Item Object                                                                            |
| **Mandatory Data Requirements for Beneficiary**       | Chinese Name, Chinese ID (NIN for individual or USCC for Business), Account holder Name (as per the bank account), Account number, Bank Name |
| **Supporting Documents**                              | NA                                                                                                                                           |
| **Beneficiary Statement Narrative**                   | Ultimate Remitter                                                                                                                            |
| **Limits**                                            | 500k CNY                                                                                                                                     |
| **Settlement Time**                                   | 10 minutes                                                                                                                                   |
| **Rail Availability**                                 | 24\*7\*365 (Except US & HK Holidays)                                                                                                         |
| **Allowed Purpose Codes**                             | PYR022                                                                                                                                       |