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

# Payout to StablePay Account

> Transfer stablecoins internally to another StablePay Account via recipient email or 8-digit Account No.

Payout to StablePay Account allows merchants to transfer stablecoins to another StablePay Account via recipient email or 8-digit StablePay Account No.

This capability facilitates inter-account fund transfers within the StablePay ecosystem. When the recipient already holds an active StablePay Account capable of receiving funds, the system completes an internal transfer without requiring network selection or incurring blockchain network fees.

## Applicable Scenarios

Use this method when you need to:

* transfer funds to another StablePay merchant account
* execute internal payments between partners, suppliers, or merchants within the StablePay network
* complete fund transfers through a more lightweight method than external wallet payouts
* create a pending claim payout for an unregistered email first, then have the recipient register and claim subsequently

If you need to pay to an external on-chain wallet address, use [Payout to Wallet Addresses](/en/product/Payout-to-Wallets).

## Recipient Identifier Types

This payout path supports two types of recipient identifiers:

* recipient email address
* 8-digit StablePay Account No.

If the recipient already holds an active StablePay Account, StablePay will complete the internal crediting; if the recipient email is not yet registered, StablePay can first create a pending claim payout, then guide the recipient to register and claim later.

## How It Works

### Registered Recipients

1. The sender selects the source account in the Merchant Portal.
2. The sender enters the recipient email or Account No.
3. StablePay verifies whether the recipient can receive funds in the same currency.
4. The sender confirms the payout and completes security verification.
5. StablePay completes the internal transfer and marks the payout as completed.

### Unregistered Email Recipients

1. The sender enters an email address that has not yet been registered.
2. StablePay creates a pending claim payout and freezes the sender's funds.
3. The recipient receives a claim entry point via email.
4. The sender must separately share the claim code outside of the email.
5. The recipient completes email verification, registration or login, and claim code verification.
6. Upon successful claim, funds enter the recipient's StablePay Account and the payout is completed.

## Key Capabilities

| Capability                                     | Description                                                                                                             |
| :--------------------------------------------- | :---------------------------------------------------------------------------------------------------------------------- |
| Email recipient support                        | Pay to registered emails or create pending claim payouts for unregistered emails.                                       |
| 8-digit Account No. transfer                   | Directly initiate internal transfers to existing StablePay Account No.s.                                                |
| Internal transfer path                         | Registered recipients do not need to select a blockchain network.                                                       |
| Same-currency constraint                       | Source account currency must match the recipient account currency.                                                      |
| Pending claim workflow                         | When the recipient is not yet registered, funds can be frozen first and claimed later.                                  |
| Claim code protection                          | The claim link is only an entry point; the claim code must be shared separately to reduce the risk of erroneous claims. |
| Backend confirmation and security verification | Senders can review information in the Portal before submission and complete sensitive operation verification.           |

## Important Rules

* Payout currency is determined by the source account.
* Each StablePay Account corresponds to only one account currency, such as USDT or USDC.
* When transferring via Account No., the recipient must already exist.
* Unregistered recipients can only be invited via email; creating invitations via Account No. is not supported.
* Internal transfers to registered recipients are designed not to involve blockchain network fees.
* Pending claim payouts have an expiration period and may expire or be cancelled before claiming.
* Specific availability depends on merchant approval status, account configuration, and rollout progress.

## Related Pages

* [Payout to Wallet Addresses](/en/product/Payout-to-Wallets)
* [Get Started](/en/product/Get-Started)
* [Corporate Cards](/en/product/Corporate-Cards)
* [Compliance & Regional Availability](/en/product/Compliance-and-Regional-Availability)