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

# New Transfer

> The New Transfer step-by-step form under the Transfer module in the merchant dashboard, opened from the transfer list's New Transfer button, guiding you through choosing the payer/recipient, entering an amount and currency, adding payment purpose and reference, and reviewing before submitting.

## What this is

This is the **New Transfer** page under the **Transfer** module in the merchant dashboard (page title **New Transfer**). It's a full-screen, step-by-step form used to make an outbound payment/remittance. You open it from the **transfer list page** by clicking **New Transfer** in the top right, then work through selecting a recipient, entering an amount, adding details, and reviewing before submitting. Use it whenever you want to pay a recipient or make a cross-currency transfer.

The flow follows a step indicator at the top, typically: (**Payer** →) **Recipient** → **Amount** → **Details** → **Review**, ending on a success page after you confirm and submit. The **Payer** step only appears for accounts with sub-account payment capability enabled — regular accounts start directly at **Recipient**.

## Steps

To make a transfer:

1. On the transfer list page, click **New Transfer** in the top right to open the form.
2. **(Payer, only shown for some accounts)** Choose who is paying: **I am payer** (pay the recipient from your own account) or **Payment on behalf of your sub-account** (pay on behalf of an approved sub-account — search for and select the sub-account). Click **Continue**.
3. **Recipient**: choose an existing recipient from the list; narrow it down with the top search box (**Search by name, bank, or account...**). If internal transfers are enabled, **My own account** entries (e.g. Card issuing, Payments) also appear above the list as payment targets. If there's no suitable recipient yet, click **Add new recipient** to create one first. Click **Continue**.
4. **Amount**: enter an amount and currency under **You send / Amount**. If the chosen currency differs from the recipient's account currency, this automatically becomes a **cross-currency transfer**, showing **Recipient gets** and a live exchange rate below (the rate refreshes every 60 seconds; you can also refresh it manually). Click **Continue**.
5. **Details (additional information)**: select **Payment Purpose** (required, dropdown) and enter **Payment Reference** (required, appears on the recipient's bank statement); you can optionally upload **Attachments**. Click **Continue**.
6. **Review (review & confirm)**: check all the details, then click **Confirm Transfer**. If your security settings have **Create Transaction 2FA** enabled, you'll be asked to complete two-factor authentication here first.
7. On successful submission, you land on **Transfer submitted successfully**, showing the amount sent, transaction ID, status, and estimated arrival. Click **Make another transfer** to continue, or **Back to transfers** to return to the list.

Each step has **Back** at the bottom (**Cancel** on the first step) and **Continue**; the panel on the right shows a live summary of the transfer.

## Fields and statuses

**Payer (only shown for some accounts):**

| Option                                | Meaning (merchant view)                                                                                                                       |
| ------------------------------------- | --------------------------------------------------------------------------------------------------------------------------------------------- |
| I am payer                            | Pay the recipient from your own account                                                                                                       |
| Payment on behalf of your sub-account | Initiate payment on behalf of an approved sub-account; search for and select the sub-account, and its entity details appear for you to verify |

**Amount step fields:**

| Field                  | Meaning (merchant view)                                                                                                                |
| ---------------------- | -------------------------------------------------------------------------------------------------------------------------------------- |
| You send / Amount      | The amount and source currency you're sending (currency is chosen from ones you hold a balance in)                                     |
| Available Balance      | The current available balance in the selected currency; an amount over the balance is flagged **Insufficient** and blocks Continue     |
| Recipient gets         | For cross-currency transfers, the amount and destination currency the recipient actually receives (computed from a live backend quote) |
| Exchange rate          | The live exchange rate for a cross-currency transfer, refreshed every 60 seconds; the final rate applied is the one at execution time  |
| Fund from main account | A toggle shown only for sub-account payments; turning it on transfers funds from the main account to the sub-account before paying out |
| Fee arrangement        | Only shown for SWIFT payouts, see below                                                                                                |

**Fee arrangement (SWIFT payouts only):**

| Option | Meaning (merchant view)    |
| ------ | -------------------------- |
| OUR    | You pay all transfer fees  |
| SHA    | Fees shared with recipient |

**Details step fields:**

| Field             | Meaning (merchant view)                                                            | Notes              |
| ----------------- | ---------------------------------------------------------------------------------- | ------------------ |
| Payment Purpose   | The purpose of this payment                                                        | Required, dropdown |
| Payment Reference | An invoice number, description, or note; appears on the recipient's bank statement | Required           |
| Attachments       | Supports PDF, JPEG, PNG, DOC, XLS, etc.                                            | Optional           |

**Payment Purpose** options include: Wages / Salary, Professional / Business Services, Goods Purchased, Bill Payment, Business Expenses, Investment Capital, Investment Proceeds, Loan / Credit Repayment, Education / Training, Family Support, Living Expenses, Personal Remittance, Travel, Medical Services, Real Estate, Construction, Freight, Technical Services, Audiovisual Services, Taxes, Pension, Donation / Charitable Contribution, Transfer to Own Account, Other Services.

**Success page fields:**

| Field             | Meaning (merchant view)                                                        |
| ----------------- | ------------------------------------------------------------------------------ |
| Amount sent       | The amount sent in this transfer                                               |
| Transaction ID    | This transfer's reference number (copyable)                                    |
| Status            | The transfer's current status, typically **Processing** right after submission |
| Estimated arrival | The estimated arrival time, typically 1-2 business days                        |

## Edge cases and troubleshooting

* **You don't see a "Payer" step**: this account doesn't have sub-account payment capability enabled — the transfer starts directly at **Recipient**, meaning you pay from your own account. This is expected.
* **The recipient you need isn't in the list**: click **Add new recipient** to create one first, then come back and select it.
* **The selected recipient shows "Recipient needs updating"**: due to regulatory requirements, you need to update additional information for this recipient before sending a payment — go update its details on the Recipients page, then come back to make the transfer.
* **Continue is disabled after entering an amount**: usually caused by insufficient available balance in the current currency (flagged **Insufficient**), or a currency/recipient limit or format restriction being triggered — bring the amount within the available balance and correct anything flagged before continuing.
* **"{currency} does not support decimal amounts"**: this currency is handled in whole units — remove the decimal portion and re-enter.
* **"UnionPay card payout cannot exceed 35,000 per transaction"**: UnionPay card payouts have a per-transaction cap — split the payment or adjust the amount.
* **Payment reference flagged with a format error**: for some local payout scenarios, the reference only accepts letters, numbers, spaces, commas, and periods — remove other characters and resubmit.
* **Cross-currency "quote expired"**: exchange rate quotes are time-limited; click **Get new quote** to refresh the rate before confirming.
* **Confirmation asks for two-factor authentication**: your security settings have **Create Transaction 2FA** enabled — complete verification as prompted before it submits.
* **Duplicate submission notice**: this transfer has already been submitted — start a new transfer if you genuinely need to send another, to avoid a duplicate payout.
* **Submitting past the cut-off time**: payments submitted after 4:00 PM SGT are processed on the next business day.
* **Wanting to cancel after submitting**: once confirmed, a transfer cannot be cancelled or reversed — review carefully at the Review step before confirming.

## Common questions (Q\&A)

* **Q: How do I make a transfer / send money?** A: On the transfer list page, click **New Transfer** in the top right, then follow the steps to choose a recipient, enter an amount, add payment purpose and reference, and finally review and click **Confirm Transfer** to submit.
* **Q: Where do I find New Transfer?** A: It's opened from the **New Transfer** button on the transfer list page — it isn't a separate item in the left nav.
* **Q: What steps does a transfer go through?** A: (Payer →) Recipient → Amount → Details → Review, then a success page after confirming; the Payer step only appears for accounts with sub-account payment capability.
* **Q: How do I pay someone new / the recipient isn't in the list?** A: At the Recipient step, click **Add new recipient** to create one first, then come back and select it.
* **Q: Can I pay in a different currency / do a cross-currency transfer?** A: Yes. When your chosen payment currency differs from the recipient's account currency, it automatically becomes a cross-currency transfer, showing the recipient's received amount and a live exchange rate.
* **Q: Does the exchange rate change / how long is a quote valid?** A: The cross-currency rate refreshes every 60 seconds and the final rate is applied at execution time; if the quote expires, click **Get new quote** to refresh before submitting.
* **Q: Who pays the fees? What's the difference between OUR and SHA?** A: Only shown for SWIFT payouts: OUR means you pay all transfer fees, SHA means fees are shared with the recipient.
* **Q: Are Payment Purpose and Payment Reference required?** A: Yes, both are required. Payment Reference appears on the recipient's bank statement.
* **Q: What can I attach, and how large?** A: Supports PDF, JPEG, PNG, DOC, XLS, and similar formats; attachments are optional, and the per-file size limit is shown at upload time.
* **Q: How long does a transfer take to arrive?** A: Typically 1-2 business days after submission; payments submitted after 4:00 PM SGT are processed the next business day.
* **Q: Why does confirming ask me for two-factor authentication?** A: Because your security settings have **Create Transaction 2FA** enabled — the transfer submits once verification is complete.
* **Q: Can I cancel a transfer after submitting?** A: No — once confirmed, it cannot be cancelled or reversed, so review carefully at the Review step before submitting.
* **Q: Can I pay on behalf of a sub-account?** A: Accounts with sub-account payment capability can choose **Payment on behalf of your sub-account** at the Payer step, and must select an approved sub-account.
* **Q: Can I pay many recipients at once in bulk?** A: There is currently no bulk payment entry point in the dashboard — contact your account manager if you need bulk payouts.