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Send an individual payment

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This section describes the steps involved in sending an individual payment using Ripple Payments Direct.

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1. Get quote

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Fill out all necessary information to fetch a quote for the payment, including the quote type, amount, and receiver country.

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  1. \nClick the \nPayments\n tab.\n
    2. \n
  2. \nClick \nCreate Payment\n > \nIndividual\n.\n
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    \"New

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    3. \n
  3. \nOn the \nNew Payment\n page, select one of the following \nQuote Type\n options from the drop-down list.\n\n
    4. \n
  4. \nIn the \nAmount\n field, enter the amount of the currency you want to send or you want the beneficiary to receive.\n
    Note:

    If you specified an amount to be sent (instead of received), the Payment Currency field, which allows you to select the sending currency, will be displayed. USD is currently the only available sending currency supported by Ripple Payments Direct.

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    5. \n
  5. \nIn the \nReceiver Country\n field, select the country where the beneficiary is located from the drop-down list.\n
    \nFor an overview of all supported payout countries and currencies, see \nPayout network\n.\n
    Optional:

    In the Advanced Options section, you can define advanced quote details. For example, you can specify a receiver RippleNet account or a sender segregated account, apply a currency filter, specify an exchange rate fee, and other payment specifics. For more information, see Advanced options.

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    6. \n
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  1. \nClick \nGet Quote\n.\n
    2. \n
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The New Payment page shows you a quote for the payment you initiated. The quote expires after one minute. If the quote expires, you have to get a new quote by creating a new payment using the same field values.

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\"Quote

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2. Review quote

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Review the quote to ensure that the rate and fees are appropriate.

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Quote details example:

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\"Quote

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1 - Ripple service fee: The fee Ripple charges for this payment transaction.
\n2 - Foreign exchange (FX) rate: The rate at which the source currency is exchanged for the destination currency.

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3. Accept quote

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Depending on the type of payment you're making, you must specify both beneficiary and originator information to accept the quote. For example, if you're making a payment on behalf of a third-party originator, you must specify originator information.

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  1. \nFrom the \nSaved Beneficiary\n drop-down list, select your beneficiary.\n
    Note:

    The beneficiary information will be included in the RippleNet Payment Object (RPO) and shared between Ripple's intermediary node and the payout partner node.

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    Alternatively, if your intended beneficiary isn't available in the drop-down list, click Add Identity and see Beneficiaries for more information on how to add and manage beneficiaries.

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    2. \n
  2. \nOnly if you're making the payment on behalf of a different originator:\n
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    \nSelect \nThis payment will be made on behalf of a separate originator\n and then select an originator from the \nSaved Originator\n drop-down list.\n

    Alternatively, if your intended originator isn't available in the drop-down list, click Add Identity and see Originator management for more information on how to add and manage beneficiaries.

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    3. \n
  3. \nFrom the \nTransaction Purpose\n drop-down list, select the purpose of the transaction. \n\n
    \nTransaction Purpose options\n
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      \n
    • \nAllowance\n
      • \n
    • \nArchitectural, Engineering and Other Technical Services\n
      • \n
    • \nBonus Payment\n
      • \n
    • \nCommission\n
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    • \nCompensation Payment\n
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    • \nConstruction and Installation Services\n
      • \n
    • \nDeposit\n
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    • \nDeposits with or from Offshore Financial Institutions\n
      • \n
    • \nFamily Maintenance\n
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    • \nGoods and Services by Short-Term Workers\n
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    • \nGoods and Services by Travellers\n
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    • \nGoods for Processing & Manufacturing Services\n
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    • \nHome Health Care\n
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    • \nInterest\n
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    • \nIntra Company Payment\n
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    • \nInvestment & Securities\n
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    • \nInvoice Payment\n
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    • \nMaintenance and Repair Services\n
      • \n
    • \nMobile P2P Payment\n
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    • \nOrder Cheque Domestic\n
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    • \nOrder Cheque Foreign\n
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    • \nOthers\n
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    • \nPayment for Machinery, Non-Customized Packaged Software and Transport Equipment\n
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    • \nPayment for Manufactured Goods\n
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    • \nPayment for Miscellaneous Manufactured Articles\n
      • \n
    • \nPayroll\n
      • \n
    • \nPurchase Sale of Goods\n
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    • \nPurchase Sale of Goods and Services\n
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    • \nPurchase Sale of Services\n
      • \n
    • \nReal Estate Abroad\n
      • \n
    • \nRental Lease general\n
      • \n
    • \nSalary Payment\n
      • \n
    • \nSupplier Payment\n
      • \n
    • \nTerm Loans Long-Term\n
      • \n
    • \nTerm Loans Short-Term\n
      • \n
    • \nTrade Services\n
      \n
      • \n
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    4. \n
  4. \nIf available, from the \nSource of Funds\n drop-down list, select where your funds come from. \n\n
    \nSource of Funds options\n
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      \n
    • \nAlimony\n
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    • \nCash Proceeds\n
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    • \nCompensation\n
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    • \nEmployee Income\n
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    • \nGift\n
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    • \nInheritance\n
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    • \nInsurance Premium Liquidation\n
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    • \nPaid Up Capital\n
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    • \nReal Estate Sale\n
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    • \nRedemption\n
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    • \nRetained Earnings\n
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    • \nRetirement Policy\n
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    • \nSale Acquisition Corporation\n
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    • \nSale Of Goods\n
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    • \nSavings\n
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    • \nSelf Employment Income\n
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    • \nWinnings\n
      • \n
    \n
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    5. \n
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  1. \nClick \nAccept Quote\n.\n
    2. \n
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Note:

The Payments page lists all payments, with the most recent payment on top. After you accept the quote, you can select your payment and in the payment details you'll see the payment hopper . The payment hopper shows each payment state transition and the elapsed time between the payment states. Changes in green show successful states, changes in red show stalled or failed states.

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\"Payment

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As soon as the payment transaction is settled, the status column will show Completed, which indicates that your payment was successful and that funds have been moved.

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\"Payment

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