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

# 👥 Receivers

> Receivers represent third-party individuals or businesses who can receive funds through off-ramp or cross-ramp transactions on behalf of a user.

***

## Overview

Receivers allow your users to send off-ramp or cross-ramp payouts to third parties. A receiver can be an individual person or a business entity. Once created, receivers can have bank accounts linked to them and can be referenced when creating off-ramp or cross-ramp transactions using the `receiverId` parameter.

## Creating a Receiver

Use the [Create Receiver](/reference/receiverpartnercontrollerv2_createreceiver) endpoint to register a new receiver.

### Required Fields (all receivers)

* `userId`: The Capa user ID who owns this receiver
* `receiverType`: Either `INDIVIDUAL` or `BUSINESS`
* `email`: Email address of the receiver
* `taxId`: Tax identification number (e.g., RFC for Mexico)

### Individual Receivers

For `receiverType: INDIVIDUAL`, also provide:

* `firstName`: First name
* `lastName`: Last name
* `countryOfBirth`: Country of birth (ISO 3166-1 alpha-2 code)
* `dateOfBirth` (optional): Date of birth in ISO date format (e.g., `1990-01-15`)
* `phoneNumber` (optional): Phone number

### Business Receivers

For `receiverType: BUSINESS`, also provide:

* `businessName`: Legal name of the business
* `countryOfConstitution`: Country of constitution (ISO 3166-1 alpha-2 code)
* `dateOfConstitution` (optional): Date of constitution in ISO date format

### Compliance Fields

* `isPep` (optional): Whether the receiver is a Politically Exposed Person
* `hasBeneficialOwner` (optional): Declaration of beneficial owner existence
* `hasResourceProvider` (optional): Declaration of resource provider existence

### Example: Creating an Individual Receiver

```json theme={null}
{
  "userId": "550e8400-e29b-41d4-a716-446655440000",
  "receiverType": "INDIVIDUAL",
  "email": "john.doe@example.com",
  "taxId": "RFC123456789",
  "firstName": "John",
  "lastName": "Doe",
  "countryOfBirth": "MX",
  "dateOfBirth": "1990-01-15",
  "isPep": false
}
```

### Example: Creating a Business Receiver

```json theme={null}
{
  "userId": "550e8400-e29b-41d4-a716-446655440000",
  "receiverType": "BUSINESS",
  "email": "finance@techcompany.com",
  "taxId": "XAXX010101000",
  "businessName": "Tech Company S.A. de C.V.",
  "countryOfConstitution": "MX",
  "dateOfConstitution": "2020-01-01",
  "isPep": false
}
```

## Listing Receivers

Use the [List Receivers](/reference/receiverpartnercontrollerv2_getreceiversbyuser) endpoint to retrieve all receivers for a specific user. Pass the `userId` as a query parameter.

The response includes a paginated list with `count` and `total` fields.

## Deleting a Receiver

Use the [Delete Receiver](/reference/receiverpartnercontrollerv2_deletereceiver) endpoint to soft-delete (disable) a receiver. The receiver will no longer be available for new transactions, but existing transactions are not affected.

## Adding Bank Accounts to Receivers

Once a receiver is created, you can link bank accounts to them using the [Create Bank Account by Receiver](/reference/userbankinfopartnerv2controller_createuserbankinfobyreceiverid) endpoint. You can also list and delete receiver bank accounts:

* [List Bank Accounts by Receiver](/reference/userbankinfopartnerv2controller_getuserbankinfosbyreceiverid)
* [Delete Bank Account by Receiver](/reference/userbankinfopartnerv2controller_deleteuserbankinfobyreceiverid)

Bank account requirements vary by country:

| Country       | Required Fields                                                                      |
| ------------- | ------------------------------------------------------------------------------------ |
| **MX**        | `accountIdentifier` (18-digit CLABE)                                                 |
| **DO**        | `accountIdentifier`, `bankName`, `accountType`, `documentIdentifier`, `documentType` |
| **US**        | `accountIdentifier`, `bankName`, `routingNumber`, `accountHolder`, `address`         |
| **SEPA (EU)** | `iban`, `bic`, `bankName`, `accountHolder`                                           |

## Using Receivers in Transactions

When creating an off-ramp or cross-ramp transaction, pass the `receiverId` to direct the payout to the receiver instead of the user themselves. The receiver must belong to the specified user.

See the [Off-Ramp Guide](/docs/off-ramp) and [Cross-Ramp Guide](/docs/cross-ramp) for more details.

***

What's Next

* [Create Receiver](/reference/receiverpartnercontrollerv2_createreceiver)
* [List Receivers](/reference/receiverpartnercontrollerv2_getreceiversbyuser)
* [💵 Off-Ramp](/docs/off-ramp)
* [🔄 Cross-Ramp](/docs/cross-ramp)