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What this is

This is the New Recipient form under the Transfer module in the merchant dashboard (left nav Transfer → Recipients list page → top-right Add Recipient button; you can also reach it from Add new recipient during the transfer flow). Use it to add a payee you can send money to later. The form supports two recipient types: an external Bank Account (cross-border via SWIFT or a local payment network, with fields that change based on the selected country, currency, and payment method), or another UQPAY Account for an internal transfer (instant, zero fee). Come here whenever you want to add a new payee, or when a transfer flow finds the payee doesn’t exist yet.

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Steps

Step 1, choose the transfer type (page heading Transfer type):
  1. After opening the form, choose Bank Account or UQPAY Account:
    • Bank Account — send to an external bank account via SWIFT or a local payment network, covering 25+ countries and regions, typically 1-2 business days.
    • UQPAY Account — an internal transfer to another UQPAY account, instant and zero fees.
  2. Click Continue.
If you chose Bank Account, there are three steps (top step indicator: Type → Bank Details → Review):
  1. Type step:
    • Choose Recipient type: Business (company or organization) or Individual (personal account).
    • Choose Bank country / region and Account currency.
    • Choose Payment method — the available options are determined automatically by the selected country and currency (the system matches an available rail to the recipient’s country and currency: SWIFT for international wires, faster local networks for domestic transfers). Click Continue.
  2. Bank Details step:
    • Fill in Bank details as shown on the page (e.g. account number, SWIFT code, bank name; the exact fields change with the selected payment method). You can use Search SWIFT code, typing at least 6 characters to search and select — selecting a result auto-fills the bank name and bank address.
    • Depending on recipient type and payment method, you may also need to fill Profile (first name, last name, nationality for an individual; company name for a business) and Registered Address (address, city, state/province, postal code).
    • Click Continue when done.
  3. Review recipient details step: check the recipient type, bank information, and payment details; click Edit on the relevant section to go back and change anything. Submit once everything is correct — a successful creation shows Your new recipient has been created and is ready for transfers.
If you chose UQPAY Account, there’s a single account-details step:
  1. UQPAY Account Details: enter the payee’s account ID in UQPAY Account ID, click Continue — the system verifies the account exists and shows details such as the account name.
  2. Give this recipient an Account Name (a friendly name/nickname to help you identify them), then click Confirm.
  3. On success, the page shows The UQPAY account has been added as a recipient. Internal transfers are processed instantly. You can then choose Make a transfer, Add another recipient, or Back to recipients.
After a successful creation, click Add another recipient to keep adding, or Back to transfer / Back to recipients to return to the list.

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Fields and statuses

Transfer type (step 1, choose one): Recipient type (Bank Account path): Key fields: Payment method (options vary by country and currency; common ones include): Local Bank Transfer, SWIFT International Wire, SEPA (Europe), ACH (United States), FAST (Singapore), MEPS (Singapore), PayNow, FPS (Hong Kong), CHATS (Hong Kong), UnionPay Card, Visa Card. The system automatically matches an available rail to the recipient’s country and currency — SWIFT for international wires, faster local networks for domestic transfers. Recipient status after creation: a newly created recipient shows Pending verification — every recipient goes through automated system verification, which typically completes within 1 business day; you’ll be notified once verified, after which the status shows Active.

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Edge cases and troubleshooting

  • Payment method options are empty / “No available payment methods”: the current country + currency combination has no available rail — try a different currency or country. You may also see ” transfers to are not available for your account”, meaning that corridor is not currently supported.
  • Bank details section shows “No bank detail fields are available for this payment method”: the current country, currency, and payment method combination has no fields to retrieve — reselect country, currency, and payment method as prompted.
  • Can’t find a SWIFT code: you need at least 6 characters to start the search; if it shows “No SWIFT code found”, double-check the code or try a different keyword. Bank name and bank address auto-fill once you select a SWIFT code — you don’t need to type them.
  • Submission blocked with “required” errors: all required fields (account number, SWIFT code, and any name/company/address fields required for the selected type) must be filled before you can continue.
  • Name/address flagged with a character error: for SWIFT wires, these fields only accept English letters, numbers, and common symbols; some local-transfer currencies have their own character-set requirements — adjust as prompted on the page.
  • UQPAY Account ID fails verification: check that the account ID is correct and that it belongs to a valid UQPAY account; the account name only appears — and saving is only allowed — once verification succeeds.
  • A newly added recipient can’t be paid right away: new recipients start as Pending verification and need to pass automated system verification (typically 1 business day) before becoming Active and fully usable.

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Common questions (Q&A)

  • Q: How do I add a recipient / payee? A: From the left nav, go to Transfer → Recipients, then click Add Recipient in the top right to open the form; you can also reach it via Add new recipient while starting a transfer.
  • Q: What kinds of recipients can I add? A: Two kinds — an external bank account (cross-border SWIFT or local network, covering 25+ countries) or another UQPAY account (internal transfer, instant, zero fees).
  • Q: How do I choose between “Business” and “Individual” recipient type? A: Choose Business when paying a company or organization, Individual for a personal account; some countries require different information depending on this choice.
  • Q: Why is the payment method greyed out / not selectable? A: Payment method is determined automatically by the country and currency you choose — select the bank country and account currency first, and available rails will appear; if the combination isn’t supported, you’ll see a “no available payment methods” message.
  • Q: How do I fill in the SWIFT code? Do I need to type the bank name myself? A: Type at least 6 characters into Search SWIFT code, search, and select a result — the bank name and bank address auto-fill, no manual entry needed.
  • Q: Why do I need to enter address / first and last name / company name? A: These are recipient identity and address details, only required depending on recipient type (Individual/Business) and payment method (e.g. SWIFT wire).
  • Q: What do I need to add a UQPAY account recipient? A: Just the payee’s UQPAY Account ID — once the system verifies the account exists and shows its name, give it a friendly nickname and save; internal transfers are instant and zero fee.
  • Q: Why does a newly added recipient show “Pending verification”? How long until I can use it? A: Every recipient goes through automated system verification, typically completed within 1 business day; once it passes, the status becomes “Active” and you can transfer normally, and you’ll be notified when it’s done.
  • Q: Can I fix a mistake after entering it? A: Yes — in the final Review recipient details step, click Edit on the relevant section to go back and change it, then submit once it’s correct.
  • Q: Can I transfer money right after adding a recipient? A: For a UQPAY internal account, you can click Make a transfer right after creation; a bank account recipient needs to pass verification (Pending verification → Active) before you can send to it.