Payment instructions

Payment instructions carry the details needed to deliver the funds to the beneficiary. You provide them in destination.payment_instructions when you create an order.

Send exactly one of the two groups below:

Group	For	Payout type
bank_account	A deposit into the beneficiary's bank account	BANK_TRANSFER
bank_phone_account	A phone-linked P2P transfer	P2P_PHONE_TRANSFER

Sending neither, or both, is rejected with 422 B2B_BENEFICIARY_INVALID.

You never send the payout method itself. It is inferred from which group you send, and it has to match the payout type of the quotation the order executes.

bank_account

{
  "destination": {
    "payment_instructions": {
      "bank_account": {
        "bank_name": "BANCO_BANESCO_VE",
        "number": "01340055351055017659",
        "type": "CHECKING"
      }
    }
  }
}

Field	Type	Required	Description
bank_name	enum	yes	The bank's API name, from the closed catalog — "BANCO_BANESCO_VE", not "Banesco". See bank entities.
number	string	yes	Beneficiary account number.
type	enum	yes	CHECKING, SAVINGS, CORRIENTE or AHORRO.
bank_display_name	string	—	Read-only. Reads return the bank's commercial name here. Do not send it: the API rejects unknown fields with 400.

bank_phone_account

{
  "destination": {
    "payment_instructions": {
      "bank_phone_account": {
        "bank_name": "BANCO_BANESCO_VE",
        "phone_number": "+584121234567",
        "document_id": "87654321"
      }
    }
  }
}

Field	Type	Required	Description
bank_name	enum	yes	Same catalog as above — the API name, never the display name.
phone_number	string	yes	Beneficiary phone in E.164 (+584121234567).
document_id	string	no	Beneficiary document. Omit it and destination.receiver.document.id is used — the P2P beneficiary is the same person, so there is no point sending it twice.
bank_display_name	string	—	Read-only, same as above — never sent.

note

bank_name is a closed catalog in both groups: a value outside it is rejected with 400. The catalog is per country — see bank entities.