RMB P2P payment
National dimension point-to-point capabilities; consistent signature, callback and reconciliation models, adaptable to high-frequency deposits and batch withdrawals.
Learn moreAsia-Pacific P2P Payment Infrastructure
P2P payment infrastructure
RMB clearing and settlement expands all the way
P2PChinapay focuses on RMB P2P clearing and settlement, and extends to UnionPay, online banking, WeChat/Alipay, digital assets and auditable performance; the same set of APIs, risk control and reconciliation serve high-frequency merchants such as gold/precious metals, foreign exchange, securities and futures.
$500M+Cumulative processing volume
99.6%success rate
< 30 secondsaverage arrival
2,000+Merchant
300+bank dimension
24/77×24 operation and maintenance
Comprehensive coverage, one-stop payment solution
With P2P RMB as the core, collection, payment, settlement and compliance output are connected in series; the same merchant backend and API reduce access and maintenance friction.
UnionPay/Online Banking/Virtual Account/WeChat/Alipay
UnionPay code scanning, online banking signature verification, corporate VA deposit, and can connect WeChat payment and Alipay receipt (JSAPI/APP/H5, etc., opened according to licensed channel and contract); multi-channel routing and health monitoring, in parallel with P2P clearing and settlement.
Learn moreDigital asset deposits and withdrawals
Channels such as USDT/USDC are coordinated with RMB clearing and settlement; whitelists and limits are subject to business assessment.
Learn moreOn-site cash collection
Auditable performance in collaboration with nodes; suitable for scenarios with large amounts, strict compliance boundaries, or offline delivery.
- China
- Japan
- South Korea
- Brazil
- India
affordability matrix
Deposit Mainland Chinese users complete recharge in RMB, and the routing is consistent with the status callback; suitable for high-frequency scenarios such as foreign exchange, gold, securities and futures, e-commerce, and games.
Withdraw funds Payment and batch settlement to personal cards and corporate accounts; Webhook status, failure retry and statement export are integrated.
mobile payment QR code scanning/in-App payment such as WeChat Pay, Alipay and Cloud QuickPass are available; it is adapted to O2O and high-frequency deposits, and risk control parameters, limits and routing monitoring can be adjusted in real time in the background.
Corporate settlement Combined with corporate, supply chain and platform accounting requirements; supports multi-role permissions and approval flow (configured according to contract).
Reconciliation and bills Standardized output of B2B long-link reconciliation, receipt and exception handling, reducing financial and operation and maintenance costs.
digital assets Channels such as USDT/USDC are coordinated with RMB clearing and settlement; compliance boundaries and whitelists are subject to business assessment.
Why choose P2PChinapay?
Industries
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Service industries and groups
Compliance Exchange
China C2C matching and clearing and settlement synergy.
gold company
Local deposits and large-amount strategies in China/Japan/Korea.
Forex platform
Trader deposit matching and large-amount exchange evaluation.
E-commerce platform
Visa, Mastercard, UnionPay, WeChat, Alipay.
Overseas e-commerce
Global collection, collection and payment combination.
Insurance intermediary
New remittances from Hong Kong and Macao and transfer payments with the same name.
Licensed financial company
Multiple local deposits + international cards and wallets.
offshore group
Cash flow architecture and multi-entity reconciliation design.
licensed casino
Only available to licensed groups that have passed compliance approval.
Trusted by 2,000+ merchants
After accessing P2PChinapay, the success rate of RMB deposits increased from about 78% to 99%; the average payment time was shortened by about 35%, and customer service tickets were significantly reduced.
"The API and reconciliation model are clear, and the joint debugging only takes about 18 working days to complete the gray scale; the channel health is visible during the peak period, and the operation and maintenance pressure is much less."
"The 7×24 response and advance capacity preview give us more peace of mind during the big promotion; major failures have not caused an unavailability window of more than 5 minutes in the past year."
4 steps to connect; technical integration can start within 24 hours, and the overall process usually takes 2–5 working days, subject to review and contract.
1
needs assessment
Preliminary evaluation of industry and quota
About 1-2 working days
2
Contracts and Compliance
Agreement and KYC
About 1-3 working days
3
technology access
API/SDK joint debugging
About 0.5-1 working week
4
Online and operation and maintenance
Grayscale and monitoring alarms
Continuous optimization
FAQ
Below are the topics most commonly consulted by merchants. If you need clarification on the level of contract terms, please refer to business or legal channels.
The company’s valid business license or registration certificate, bank account certificate, business website or app and description, and ultimate beneficiary’s identity certificate are required. Details vary by industry, please contact a business consultant.
Qualification review usually takes 1–3 working days, technical docking can take up to 24 hours at the earliest, and the overall process usually takes 2–5 working days.
PCI DSS Level 1 and ISO 27001 are baseline controls; transmission adopts TLS 1.3, static sensitive fields AES-256; funds and operations are separated, and the balance is deposited in the licensed institution.
Supports HKD, USD, CNY, USDT; bank wire transfer and cryptocurrency.
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Ready to expand your RMB and cross-border payment capabilities?
Leave your contact information and business scenario, and we will reply with the access path and quotation range within 1 working day.