数据模型 - 支付渠道
大约 3 分钟
支付渠道概述
支付渠道数据模型定义了支付方式和处理信息的结构。此模型封装了支付方式规范、处理详情和渠道特定参数。
数据模型结构
| 参数 | 类型 | 描述 |
|---|---|---|
| paymentMethod | String | 支付方式标识符 格式：预定义支付方式代码 示例：BRI、UPI、QRPAY、PIX、SPEI 用于识别交易处理的特定支付渠道 |
| vaNumber | String | 虚拟账户或银行账户号码 格式：字母数字字符串 用途：印尼VA号码、泰国银行账户、墨西哥SPEI账户 银行转账支付方式必需 |
| qrString | String | 二维码数据或图片URL 格式：字符串或HTTP图片URL 用途：印尼QRIS、泰国QRPAY、巴西PIX 包含移动支付处理的二维码数据 |
| paymentUrl | String | 主要支付处理URL 格式：有效的HTTP/HTTPS URL 用途：Smilepayz结账页面用于支付完成 所有支付方式必需 |
| receiverBankName | String | 银行转账的收款银行名称 格式：UTF-8编码字符串 用途：泰国BANK方式、墨西哥SPEI 指定转账交易的收款银行 |
| additionalInfo | Object | 额外支付处理信息 格式：JSON对象 用途：扩展支付URL、处理参数 包含特定支付方式的补充数据 |
地区实现示例
印尼支付方式
{
"additionalInfo": {
"paymentUrl": "https://link.dana.id/pay?bizNo=xxxxxxxxxL5dm6QkXs3kDg5HFBtgOtgHmPWpLD9IU2qoxkqQhGJQfCYcn4tA8930VR%2BggxOHPDhZg%3D%3D&forceToH5=false"
},
"paymentMethod": "W_DANA",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}
{
"additionalInfo": {},
"paymentMethod": "QRIS",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112410241325417215",
"qrString": "https://gateway.smilepayz.com/image/MER202110293394047135422905011630451D5.img"
}
{
"additionalInfo": {},
"paymentMethod": "QRIS",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112410241325417215",
"qrString": "0912121.2232323293.2323232.33xxxxxxxxxxxxxxxxxx3232wewess.w2323.QRIS.sdfdN.nubo.bsdfdc833434343"
}
{
"additionalInfo": {},
"paymentMethod": "BRI",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200112501021320331776",
"vaNumber": "1419001332911089"
}
印度支付方式
{
"additionalInfo": {
"paymentUrl": "upi://xxxxx612963233324SPOphhnctVDAIN5zq9s1z7cgoHpJkjnMXjGoMpMm0AD9IU2qoxkqQhGJQfCYcn4tA8930VR%2BggxOHPDhZg%3D%3D&forceToH5=false"
},
"paymentMethod": "UPI",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}
{
"additionalInfo": {
"paymentUrl": "https://xxxxx612963233324SPOphhnctVDAIN5zq9s1z7cgoHpJkjnMXjGoMpMm0AD9IU2qoxkqQhGJQfCYcn4tA8930VR%2BggxOHPDhZg%3D%3D&forceToH5=false"
},
"paymentMethod": "UPI",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=101200192501021315010115"
}
泰国支付方式
{
"additionalInfo": {},
"paymentMethod": "QRPAY",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=111200572411191251468673",
"qrString": "00020101021229370016A0000006770101110113006680870163353037645406299.985802TH63048436"
}
{
"additionalInfo": {},
"paymentMethod": "BANK",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1112001125042408363186433",
"receiverBankName": "KBANK",
"vaNumber": "2053617290"
}
巴西支付方式
{
"additionalInfo": {},
"paymentMethod": "PIX",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=131200112412130836186234",
"qrString": "00020101021226800014br.gov.bcb.pix2558pix.delbank.com.br/v2/cob/vcharge1f6aed0623644c24bbdc174ce5204000053039865802BR5907DELBANK6007ARACAJU62070503***6304BC39"
}
墨西哥支付方式
{
"additionalInfo": {},
"paymentMethod": "SPEI",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1412075825061113364201615",
"receiverBankName": "STP",
"vaNumber": "6461805637046123212"
}
秘鲁支付方式
{
"additionalInfo": {
"paymentUrl": "https://checkout.pe.1pago.net/checkout/checkout-s.html?TokenID=e064c70d-3f1b-48f1-a628-2448f51bc54f&CountryID=PER&ChannelID=ONLINE"
},
"paymentMethod": "CASHIER_PE",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}
哥伦比亚支付方式
{
"additionalInfo": {
"paymentUrl": "https://checkout.co.1pago.net/checkout/checkout-s.html?TokenID=e064c70d-3f1b-48f1-a628-2448f51bc54f&CountryID=COL&ChannelID=ONLINE"
},
"paymentMethod": "CASHIER_CO",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}
智利支付方式
{
"additionalInfo": {
"paymentUrl": "https://checkout.cl.1pago.net/checkout/checkout-s.html?TokenID=e064c70d-3f1b-48f1-a628-2448f51bc54f&CountryID=CHL&ChannelID=ONLINE"
},
"paymentMethod": "CASHIER_CL",
"paymentUrl": "https://gateway.smilepayz.com/cashier/#/loading?tradeNo=1512024025061111131298291"
}
实现指南
支付方式选择
- 数字钱包: 使用电子钱包特定支付方式，包含额外支付URL
- 二维码支付: 包含移动支付处理的二维码字符串数据
- 银行转账: 提供虚拟账户号码和收款银行信息
- 现金支付: 使用带有外部结账URL的收银台支付方式
安全考虑
- URL验证: 确保所有支付URL使用HTTPS协议
- 数据加密: 敏感支付数据应在传输中加密
- 令牌管理: 安全处理支付令牌和会话数据
- 审计日志: 维护支付处理活动的全面日志