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Why it works

What you get

Balance to balance, right away

When the recipient also has a Rox Pay wallet, funds move directly from one balance to the other and are available immediately.

See who you are paying

Enter the code or search by name: Rox Pay shows you the recipient's name and asks you to confirm before any money moves.

Recorded on both sides

Every transfer appears in the movements of both sender and recipient, with counterparty, code, reference and balance before and after.

Where you use it

From the dashboard, the map or your own software

Dashboard

Send money

Search for a business or a person by name, or paste their code. Choose the balance to use, the amount and a reference, then confirm.

Receive

Your company code

Every wallet has a code (CMP- for businesses, USR- for people). Copy and share it: whoever uses it sends money straight to your wallet.

Map

Merchant map

Find businesses that accept Rox Pay and send money right from the merchant's card. Appearing on the map is each business's own choice.

API

REST API v5

Two endpoints to send and look up transfers from your own software, with idempotency key, error codes and scheduled transfers.

How it works

A transfer in four steps

The money doesn't go through a card or a bank transfer: it moves between two Rox Pay balances. Before every transfer the platform checks the recipient, the balance and the limits.

  • Find the recipient: search for a business or a person by name, or enter their CMP- or USR- code.
  • Verify: Rox Pay resolves the code and shows you the registered name. Inactive wallets and transfers to yourself are blocked.
  • Send: choose the balance (EUR or another wallet currency), the amount and an optional reference, then confirm.
  • Credited: the funds are on the recipient's balance straight away and the transfer shows up in both histories.
  • Irrevocable: once confirmed, a transfer cannot be cancelled. That's why verification comes first.
Your balance is checked before sending: if the spendable funds don't cover it, the transfer doesn't go out.
  1. 1 Find Name or code
  2. 2 Verify Name confirmed
  3. 3 Send Amount and reference
  4. 4 Credited Straight to the balance
Sender's movements
Rossi Workshop Ltd Outgoing · Invoice 2026/118 −€250.00
Recipient's movements
Bianchi Studio Incoming · Invoice 2026/118 +€250.00
Recipient verified · Balance checked · Irrevocable
Features

What's inside, in detail

Verified recipient

The code is resolved server-side before sending. Specific errors for invalid code, unknown recipient or a wallet that isn't active yet.

Multi-currency balances

Choose which wallet balance to send from. If you hold no balance in the requested currency, the transfer is refused before any money moves.

Scheduled transfers

Through the API you can set a future date (Europe/Rome time). The transfer stays pending and the balance is checked on the execution day.

Idempotency-Key

Send an Idempotency-Key header and retry safely: the same key never moves money twice.

Filterable history

Incoming and outgoing movements filtered by direction, date, amount and free text, with transfer status and balance before and after.

Machine-readable errors

Every rejection returns an ErrorCode (for example INSUFFICIENT_BALANCE or SELF_TRANSFER), so your software can react without parsing text.

Wallet and bank account

Between wallets, out to the bank or in: the right tool for each movement

A wallet-to-wallet transfer is the fastest way to pay someone who already uses Rox Pay. To move funds to your bank account or to top up the wallet there are dedicated tools, in the same dashboard and the same API.

Wallet → Wallet

Wallet-to-wallet transfer

To another business or person with a Rox Pay wallet. Credited to the balance immediately, €1 to €5,000 per transfer, recipient verified.

Wallet → IBAN

Withdrawal to your bank account

Move your available balance to a connected bank account whenever you want, or with automatic payouts. The applicable payout fee is charged.

Top-up

Wallet top-up

Add funds to your EUR balance with a payment from your bank account (pay by bank) or with a verified card saved in the wallet.

Want to work out which flow fits your payments? Let's talk it through.

Talk to us
Controls

Checks that apply to every transfer

The rules are the same in the dashboard and in the API: one single checkpoint for amounts, recipient and balance.

Only from your own wallet

Nobody sends on behalf of others, not even partners or admins

Recipient checked

Code resolved, active wallet, no transfers to yourself

Spendable balance

Available minus reserves, checked before sending

No duplicate sends

Idempotency-Key on every API call

Discover our security infrastructure
For developers

Two endpoints, one transfer

Bearer token authentication, amounts in cents, JSON responses with a readable ErrorCode. The sending wallet is always that of the company the token belongs to.

POST /api/v5/wallet/transfer
Request
Authorization: Bearer <token>
Idempotency-Key: "inv-2026-118"

{
  "BeneficiaryCode": "CMP-20260121-037118B5BFCB",
  "Amount": 25000,
  "Currency": "EUR",
  "Purpose": "Invoice 2026/118"
}
Response · 200
{
  "Result": true,
  "Message": "Transfer executed successfully.",
  "Recipient": { "Type": "company", "DisplayName": "…" }
}
Available endpoints
POST /api/v5/wallet/transfer Send or schedule a transfer

BeneficiaryCode, Amount in cents, optional Currency and Purpose. With OperationDate the transfer is only booked and runs on the given date.

Idempotency-KeyScheduled transfersReadable ErrorCode
GET /api/v5/wallet/transfers List incoming and outgoing transfers

Filters for direction, date range, minimum and maximum amount and free text. Pagination up to 100 rows, balance before and after for every transfer.

Direction incoming / outgoingDate and amount filtersBalance before and after
Use cases

Who uses it, and what for

Paying suppliers and partners on Rox Pay

Pay a supplier or partner who already has a Rox Pay wallet: no IBAN to copy, the name is verified and the reference stays in the history.

Refunds and payments to people

Send money to the personal wallet (USR-) of contractors, employees or customers, for example to reimburse expenses.

Several companies, one login

If you run several companies on Rox Pay, you move funds between their wallets in a few clicks, each with its own history.

Automatic payments from your software

Your software calls the API to send or schedule transfers and reads the history to update its records.

Pay anyone on Rox Pay in a moment.

Activate wallet-to-wallet transfers for your company, or build them into your software with the API.

Contact us →

Frequently asked questions about wallet-to-wallet transfers

Find answers to frequently asked questions

Go to FAQ