# Transfer with beneficiary ID > Submit a Transfer payout by using an approved beneficiary ID. ```yaml openapi: 3.1.0 info: title: Transfer with beneficiary ID version: 1.0.0 description: Submit a Transfer payout by using an approved beneficiary ID. paths: /api/v1/txn/remittance: post: summary: Transfer with beneficiary ID description: Submit a Transfer payout by using an approved beneficiary ID. requestBody: required: true content: application/json: schema: type: object properties: merchantNo: type: string description: Merchant number assigned by Onerway. Retrieve it from the merchant portal or onboarding material after your sandbox or production account is created. payerId: type: string description: Stored payer ID used for the transfer. Reuse this field when the payer has already been created and does not need to be passed inline. x-onerway-required: conditional x-onerway-condition: - Provide `payerId` or `payerDetail`. payerDetail: type: string description: Inline payer details encoded as a JSON string. Use it when the payer is not pre-created or when the latest payer attributes must be sent with the request. contentMediaType: application/json contentSchema: type: object properties: createTime: type: string description: createTime field. merchantNo: type: string description: merchantNo field. country: type: string description: country field. addressEn1: type: string description: addressEn1 field. addressEn2: type: string description: addressEn2 field. addressEn3: type: string description: addressEn3 field. postcode: type: string description: postcode field. status: type: number description: status field. email: type: string description: email field. areaCode: type: string description: areaCode field. phoneNumber: type: string description: phoneNumber field. state: type: string description: state field. city: type: string description: city field. subEntityType: type: string description: subEntityType field. firstName: type: string description: firstName field. lastName: type: string description: lastName field. idType: type: string description: idType field. idNumber: type: string description: idNumber field. birthDate: type: string description: birthDate field. idValidDateFrom: type: string description: idValidDateFrom field. idValidDateTo: type: string description: idValidDateTo field. x-onerway-required: conditional x-onerway-condition: - Provide `payerDetail` or `payerId`. x-onerway-format: json_string beneficiaryId: type: string description: Approved beneficiary ID used for the transfer. sourceAmount: type: number description: Source amount before downstream deductions. Use this field when the transfer is driven by the debit-side amount. x-onerway-required: conditional x-onerway-condition: - Required when `chargeFlag=N`. sourceCurrency: type: string description: Source currency of the transfer. targetAmount: type: number description: Expected arrival amount in the beneficiary currency. Use this field when the transfer is driven by the beneficiary-side arrival amount. x-onerway-required: conditional x-onerway-condition: - Required when `chargeFlag=Y`. targetCurrency: type: string description: Target or beneficiary currency of the transfer. requestId: type: string description: Merchant request ID. Keep it unique for each transfer request for reconciliation and idempotency tracking. reference: type: string description: Transfer reference or memo that appears in downstream reconciliation or beneficiary statements when supported. transactionPurpose: type: string description: Transfer purpose code. Choose the value that matches the underlying business purpose and compliance requirement of the payout. chargeFlag: type: string description: Full-arrival flag used to choose whether the target amount or source amount drives the calculation. feeBearing: type: string description: SWIFT fee-bearing mode. x-onerway-required: conditional x-onerway-condition: - Required for SWIFT transfers when fee-bearing mode must be declared. sign: type: string description: Request signature string. Generate it according to the Transfer request-signing rules with your merchant private key. required: - merchantNo - beneficiaryId - sourceCurrency - targetCurrency - requestId - transactionPurpose - chargeFlag - sign examples: transfer-by-beneficiary-id: summary: Initiate a transfer by beneficiary ID value: beneficiaryId: "1953727182141784064" chargeFlag: Y merchantNo: "801040" payerId: "1953712585351499776" reference: REFERENCE PAYOUT requestId: DM2025081120520 sign: "{{SIGN}}" sourceAmount: 113 sourceCurrency: USD targetAmount: 1901 targetCurrency: PKR transactionPurpose: "4" transfer-by-beneficiary-id-with-payer-detail: summary: Initiate a transfer with inline payer details value: beneficiaryId: "1953727182141784064" chargeFlag: N merchantNo: "801040" payerDetail: '{"subEntityType":"1","country":"US","addressEn1":"99 Demo Street","postcode":"10001","email":"payer@example.com","areaCode":"+1","phoneNumber":"5550001234","state":"NEW YORK","city":"NEW YORK","idType":"SSN","idNumber":"replace_with_id_number","idValidDateTo":"2035-12-31"}' reference: INLINE PAYER PAYOUT requestId: DM2025081120521 sign: "{{SIGN}}" sourceAmount: 100 sourceCurrency: USD targetCurrency: USD transactionPurpose: "3" responses: "200": description: Transfer accepted content: application/json: schema: type: object properties: respCode: type: string description: Response code returned by Onerway. respMsg: type: - string - "null" description: Response message returned by Onerway. x-onerway-value: nullable: true when: en: No response message is returned. zh: 未返回响应信息时为 `null`。 data: type: object properties: merchantNo: type: string description: Merchant number. payoutId: type: string description: Transfer or payout ID returned by Onerway. status: type: string description: Initial transfer status returned when the request is accepted. Final success or failure should still be confirmed by webhook or query APIs. requestId: type: string description: Merchant request ID echoed in the response. description: Created transfer record. examples: transfer-accepted: summary: Transfer accepted value: respCode: "20000" respMsg: null data: merchantNo: "801129" payoutId: "1984136974445449216" status: A requestId: CYPW20251031055450 transfer-validation-failed: summary: Transfer rejected because of invalid parameters value: respCode: "1001" respMsg: "Parameter error: targetAmount is required when chargeFlag=Y" data: null ```