docs: document China's AliPay and WeChat Pay payout rails

mintlify/snippets/country-support.mdx

@@ -24,7 +24,7 @@ import { FeatureCard, FeatureCardGrid, FeatureCardList, FeatureCardContainer } f
 | 🇧🇷 Brazil | BR | `PIX` |
 | 🇧🇬 Bulgaria | BG | `SEPA` `SEPA Instant` |
 | 🇨🇲 Cameroon | CM | `Bank Transfer` |
-| 🇨🇳 China | CN | `Bank Transfer` |
+| 🇨🇳 China | CN | `AliPay` `WeChat Pay` `Bank Transfer` |
 | 🇨🇴 Colombia | CO | `Bank Transfer` |
 | 🇭🇷 Croatia | HR | `SEPA` `SEPA Instant` |
 | 🇨🇾 Cyprus | CY | `SEPA` `SEPA Instant` |
@@ -80,6 +80,12 @@ import { FeatureCard, FeatureCardGrid, FeatureCardList, FeatureCardContainer } f
 | 🇻🇳 Vietnam | VN | `Bank Transfer` |
 | 🇿🇲 Zambia | ZM | `Bank Transfer` |
 
+<Note>
+China has two rails serving different beneficiaries. `AliPay` and `WeChat Pay` are
+consumer wallet payouts — use these to pay an individual. `Bank Transfer` is
+business-to-business only, so it cannot be used to pay an individual.
+</Note>
+
 Regional Summary
 
 <FeatureCardGrid cols={4}>

mintlify/snippets/external-accounts.mdx

@@ -974,7 +974,7 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
 </Tab>
 
 <Tab title="China">
-**Bank Transfer or Mobile Money**
+**AliPay / WeChat Pay or Bank Transfer**
 
 **Bank transfer:**
 
@@ -988,12 +988,11 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
       "accountInfo": {
         "accountType": "CNY_ACCOUNT",
         "bankName": "Industrial and Commercial Bank of China",
-        "accountNumber": "1234567890",
+        "accountNumber": "6217000010000000001",
         "beneficiary": {
-          "beneficiaryType": "INDIVIDUAL",
-          "fullName": "Wei Zhang",
-          "birthDate": "1990-01-15",
-          "nationality": "CN",
+          "beneficiaryType": "BUSINESS",
+          "legalName": "Shanghai Trading Co Ltd",
+          "registrationNumber": "91110000000000000X",
           "address": {
             "line1": "1 Nanjing Road",
             "city": "Shanghai",
@@ -1005,7 +1004,7 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
     }'
 ```
 
-**Mobile money:**
+**AliPay / WeChat Pay:**
 
 ```bash cURL
 curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-accounts' \
@@ -1016,7 +1015,7 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
       "platformAccountId": "cn_mobile_001",
       "accountInfo": {
         "accountType": "CNY_ACCOUNT",
-        "bankName": "Alipay",
+        "bankName": "AliPay",
         "phoneNumber": "+8613812345678",
         "beneficiary": {
           "beneficiaryType": "INDIVIDUAL",
@@ -1035,7 +1034,10 @@ curl -X POST 'https://api.lightspark.com/grid/2025-10-13/customers/external-acco
 ```
 
 <Note>
-  `bankName` is always required. Bank transfer uses `accountNumber`; mobile money uses `phoneNumber`.
+  `bankName` is always required. For a wallet payout it selects the wallet and must be
+  exactly `AliPay` or `WechatPay`, paired with `phoneNumber`. Bank transfer uses
+  `accountNumber` with the beneficiary bank's name, and is business-to-business only —
+  send `beneficiaryType: "BUSINESS"`.
 </Note>
 </Tab>
 

openapi/components/schemas/common/CnyAccountInfoBase.yaml

@@ -4,9 +4,11 @@ required:
 - bankName
 description: 'Required fields depend on the selected paymentRails:
 
-  - BANK_TRANSFER: accountNumber, bankName
+  - BANK_TRANSFER: accountNumber, bankName. Business-to-business only, so the
+  beneficiary must be a business.
 
-  - MOBILE_MONEY: bankName, phoneNumber'
+  - MOBILE_MONEY: bankName, phoneNumber. Pays an AliPay or WeChat Pay wallet;
+  bankName selects the wallet.'
 properties:
   accountType:
     type: string