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

# Using Phone Number and Last 4 Digits of Credit Card

> Send Cashfree Pay-to-Phone payouts using just the beneficiary's phone number and the last four digits of their credit card for accurate beneficiary routing.

## How does payouts through phone number work?

You can initiate payouts to do credit card bill payments using the registered phone number and last 4 digits of the credit card of the beneficiary.

Please contact your account manager for more information and to get added into the priority list.

## Transfer APIs

Use our APIs to initiate payouts to beneficiaries with only their phone number and last 4 digits of credit card.

```curl Standard Transfer - API Request theme={"dark"}
curl --location 'https://payout-api.cashfree.com/payout/v1.2/directTransfer' \
--header 'Authorization: Bearer [TOKEN]' \
--header 'Content-Type: application/json' \
--data-raw '{
  "beneId": "success_bene_ccphone",
  "amount": "7",
  "transferId": "test_sunilt38338437363",
  "transferMode": "ccPhone"
   "paymentInstrumentId" : "YES_CONNECTED_383820_799d935"
}
```

```curl Direct Transfer - API Request theme={"dark"}
curl --location 'https://payout-api.cashfree.com/payout/v1.2/directTransfer' \
--header 'Authorization: Bearer [TOKEN]' \
--header 'Content-Type: application/json' \
--data-raw '{
    "amount": "1",
    "transferId": "YES_CONNECTED_383820_799d935_4",
    "transferMode": "ccPhone",
    "remarks": "test",
    "beneDetails": {
        "bankCode": "FDRL",
        "cardLastFourDigits": "1862",
        "name": "Cashfree Payments India Private Limited",
        "email": "test@cashfree.com",
        "phone": "9999999999",
        "address1": "NA"
    },
  "paymentInstrumentId" : "YES_CONNECTED_383820_799d935"
}
```

<Note>
  **Standard transfer**

  To transfer money using standard transfer request, ensure you add the last 4 digits of the credit card while creating the beneficiary.
</Note>

### Bank codes

Find the bank codes to pass in the API request below:

| Bank                      | Bank code |
| :------------------------ | :-------- |
| Axis Bank                 | UTIB      |
| Kotak Mahindra Bank       | KKBK      |
| Punjab National Bank      | PUNB      |
| Federal Bank              | FDRL      |
| AU Small Finance Bank LTD | AUBL      |

## Response codes

View the 2XX response codes below:

```json 200 theme={"dark"}
{
	"status": "SUCCESS",
	"subCode": "200",
	"message": "Transfer completed successfully",
	"data": {
		"referenceId": "10023",
		"utr": "P16111765023806",
		"acknowledged": 1
	}
}
```

```json 201 theme={"dark"}
{
	"status": "PENDING",
	"subCode": "201",
	"message": "Transfer request pending at the bank",
	"data": {
		"referenceId": "1387592652",
		"utr": "",
		"acknowledged": 0
	}
}
```

View the 4XX response codes below:

```json 400 theme={"dark"}
{
	"status": "ERROR",
	"subCode": "400",
	"message": "Transfer amount is less than minimum amount of Rs.1"
}
```

```json 404 theme={"dark"}
{
	"status": "ERROR",
	"subCode": "404",
	"message": "Beneficiary does not exist"
}
```

```json 409 theme={"dark"}
{
	"status": "ERROR",
	"subCode": "409",
	"message": "Transfer Id already exists"
}
```

```json 412 theme={"dark"}
{
	"status": "ERROR",
	"subCode": "412",
	"message": "Not enough available balance in the account"
}
```

```json 422 theme={"dark"}
// Case 1
{
    "status": "ERROR",
    "subCode": "422",
    "message": "Invalid params passed in the request"
}

//Case 2

{
    "status": "ERROR",
    "subCode": "422",
    "message": "Please provide a valid Phone"
}

//Case 3

{
    "status": "ERROR",
    "subCode": "422",
    "message": "Invalid Mode. Allowed modes are [ 'banktransfer' 'neft' 'imps' 'rtgs' 'upi' 'paytm' 'amazonpay']"
}
```

### Name match verification

We ensure the correct beneficiary receives the transfer amount using the [name match verification](/docs/payouts/payouts/pay-2-phone/and-beneficiary-name#name-match-verification) method.