India Beneficiary

Before making a payment to an Indian bank account, you must add the account as a beneficiary. Note that payments to Indian beneficiaries are via bank transfer.

We support Indian Rupee payments to India bank accounts.

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For payout transactions to indian beneficiaries where the "sender.type" is "BUSINESS", you must attach an invoice to the transaction. You can add the invoice using the attach payout document endpoint.

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INDIA BANK TRANSFERS - CRITICAL REQUIREMENT
For India BANK transfers (B2B & B2C), Sender name and beneficiary name must exactly match the name on the attached invoice.
Any mismatch may result in:

Immediate fund seizure by Indian banks
1-6 month recovery process
Additional fees and potential fund loss

Brails will not be responsible for delays, costs, or fund recovery issues caused by name mismatches. Ensure exact name matching when creating the beneficiary, and before submitting B2B or B2C transactions to India.

Here is a sample request to add an indian beneficiary:

cURL

curl --location '{{sandboxURL}}/beneficiaries' \
--header 'Content-Type: application/json' \
--header 'Authorization: Bearer {{APIKEY}}' \
--data '{
    "reference": "<samplereference>",
    "callbackUrl": "https://webhook.site/38a9e65e-3388-4399-89d4-3ceafa8173dd",
    "customerEmail": "sophie@email.com",
    "country": "IN",
    "currency": "INR",
    "destination": {
        "accountNumber": "898676786400",
        "IFSCode": "ICIC0000227",
        "accountName": "Ponjabi noodles ltd",
        "remittancePurpose": "EXPORTED_GOODS",
        "sender": {
            "accountName": "Ayo Babalola and sons",
            "type": "BUSINESS",
            "country": "Nigeria",
            "postCode": "3794",
            "address": "2 Lingan street",
            "businessRegistrationNumber": "RC45678"
        },
        "beneficiary": {
            "type": "BUSINESS",
            "address": "Ponjabi noodles street",
            "country": "India"
        },
        "type": "BANK"
    }
}'

The parameters for adding an indian bank account beneficiaries are:

Parameter	Description	Required
type	The type of destination. Must be "BANK".	✅
accountName	Name of the beneficiary's account. `A space separated first and last name must be provided for individual beneficiaries e.g Marie Dubois`	✅
accountNumber	The beneficiary's IBAN number. `IBAN length varies per country, see` `here` (opens in a new tab)`for more details.`	✅
remittancePurpose	Purpose of the remittance. `See accepted remittance purposes` `here` (opens in a new tab)	✅
sender	Sender information varies depending on type. Sender type can either be BUSINESS or INDIVIDUAL.	✅
beneficiary	Beneficiary information.	✅

Sender Parameters (Business)

Parameter	Description	Required
sender[type]	Type of sender. Must be "BUSINESS".	✅
sender[accountName]	Name of the business	✅
sender[country, city, address]	Sender's address details	✅
sender[postCode]	Sender's postcode	✅
sender[businessRegistrationNumber]	Business registration number	✅

Sender Parameters (Individual)

Parameter	Description	Required
sender[type]	Type of sender. Must be "INDIVIDUAL"	✅
sender[accountName]	Name of the sender. `A space separated first and last name must be provided for individual senders e.g John Doe`	✅
sender[country, city, address]	Sender's address details	✅
sender[postCode]	Sender's postcode	✅
sender[dateOfBirth]	Sender's date of birth `It must be in the format YYYY-MM-DD e.g 2025-03-21`	✅
sender[countryOfBirth]	Sender's country of birth	✅

Beneficiary Parameters

Parameter	Description	Required
beneficiary[type]	Type of beneficiary, either "BUSINESS" or "INDIVIDUAL"	✅
beneficiary[country, city, address, postCode]	Beneficiary's address details	✅

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