When making payments to individuals (or user beneficiaries) there are a number of methods. You can use the 'Send' option, submit a mass payment file or submit via our API. In all cases you can create user (individual people) beneficiaries on the fly.
If you would rather add them separately then you can goto the 'Beneficiaries' option
1) Click on 'Beneficiaries' in the left menu
2) Click on 'User Beneficiaries in the top menu'
3) Search and add any user beneficaies