# 创建直连交易 > 创建直连交易，支持卡、钱包、已保存 token、订阅、分期和本地支付方式。 ```yaml openapi: 3.1.0 info: title: 创建直连交易 version: 1.0.0 description: 创建直连交易，支持卡、钱包、已保存 token、订阅、分期和本地支付方式。 paths: /v1/txn/doTransaction: post: summary: 创建直连交易 description: 创建直连交易，支持卡、钱包、已保存 token、订阅、分期和本地支付方式。 requestBody: required: true content: application/json: schema: type: object properties: billingInformation: type: string description: 交易账单信息，包含客户账单地址和联系信息。 contentMediaType: application/json contentSchema: type: object properties: firstName: type: string description: 客户名字。 lastName: type: string description: 客户姓氏。 jpFirstName: type: string description: 日语片假名格式的名字；仅日本支付方式和日本发行的卡需要。 jpLastName: type: string description: 日语片假名格式的姓氏；仅日本支付方式和日本发行的卡需要。 phone: type: string description: 客户电话号码，仅填本地号码（不含国家码）；国家码请单独传入 `phoneCountryCode`。Onerway 当前不强校验格式。 phoneCountryCode: type: string description: 客户电话号码的国家拨号码，纯数字、不含 `+`；与 `phone` 组合为完整号码。 x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType=MB_WAY` 时必填。 email: type: string description: 客户邮箱地址，用于交易确认和争议处理。 postalCode: type: string description: 邮政编码；许多地区的 AVS 验证需要此字段。 address: type: string description: 完整地址字段，可替代街道、门牌号和城市等拆分字段；不建议用于 AVS 验证。 country: type: string description: "[ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alph\ a-2) 国家或地区代码。" province: type: string description: "[ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2#Current_code\ s) 省/州代码。" x-onerway-required: conditional x-onerway-condition: - 当 `country` 为 `US` 或 `CA` 时必填。 city: type: string description: 城市名称。开启 AVS 或需要完整账单地址时建议传入。 street: type: string description: 街道名称。开启 AVS 时建议与 `number`、`postalCode`、`city` 拆分传入。 number: type: string description: 门牌号或建筑号。开启 AVS 时建议与其他拆分地址字段一起传入。 identityNumber: type: string description: 政府颁发的身份标识，通常用于特定本地支付方式或高额交易的 KYC 合规。 birthDate: type: string description: 出生日期，格式为 `yyyy/MM/dd`。 required: - email - country x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 x-onerway-format: json_string cardInfo: type: string description: 卡支付信息。商户自行采集卡信息（含卡 token 支付时的 `cardInfo.cvv`）需具备 PCI DSS 合规资质。钱包支付可选择通过 `cardInfo` 传商户自解密结果，或通过 `tokenInfo` 交由 Onerway 代解密；只有 Google Pay `PAN_ONLY` token 需补 CVC 时两者同时提交，此时 `cardInfo` 只含 `cvv`。 contentMediaType: application/json contentSchema: type: object properties: holderName: type: string description: 持卡人姓名；建议传入真实持卡人姓名以利风控与对账。 x-onerway-required: conditional x-onerway-condition: - 商户自行采集卡信息支付时必填；钱包解密模式不需要。 cardNumber: type: string description: 完整卡号，或钱包解密后的 PAN / DPAN，不含空格。 x-onerway-required: conditional x-onerway-condition: - 商户自行采集卡信息支付和钱包商户自解密模式时必填。 month: type: string description: 有效期月份，两位格式（`01`-`12`）。 x-onerway-required: conditional x-onerway-condition: - 提交 `cardInfo.cardNumber` 时必填。 year: type: string description: 有效期年份，四位格式（`YYYY`）。 x-onerway-required: conditional x-onerway-condition: - 提交 `cardInfo.cardNumber` 时必填。 cvv: type: string description: 卡片安全码；Visa / Mastercard / Discover 通常为 3 位，American Express 通常为 4 位。 x-onerway-required: conditional x-onerway-condition: - 商户自行采集卡信息支付时必填。 - 卡 token 支付（`subProductType=TOKEN`）时必填。 - Google Pay `PAN_ONLY` 商户自行采集 CVC 路径必填。 x-onerway-constraints: - kind: rule text: 通过 `tokenInfo` 提交 Google Pay `PAN_ONLY` token、由 Onerway 代解密时，若未传 `cardInfo.cvv`，交易响应返回 `data.status=R` 和 `data.redirectUrl`。商户需引导用户跳转至 `data.redirectUrl`，在 Onerway 托管页面输入 CVC。是否在创建交易前调用检查 Google Pay PAN_ONLY token 接口不影响此行为。 cryptogram: type: string description: 解密钱包 token 得到的 3DS cryptogram；需原样透传。 x-onerway-required: conditional x-onerway-condition: - Apple Pay 商户自解密模式，或 Google Pay `authMethod=CRYPTOGRAM_3DS` 时必填。 eci: type: string description: 电子商务指示符（ECI）；需原样透传。 x-onerway-required: conditional x-onerway-condition: - 钱包场景含 3DS 凭证时与 `cryptogram` 一起传入。 wallet: type: object properties: type: type: string description: 钱包类型。 enum: - ApplePay - GooglePay x-enum-descriptions: ApplePay: Apple Pay 钱包。 GooglePay: Google Pay 钱包。 applePay: type: object properties: paymentDataType: type: string description: 解密 Apple Pay 支付 token 得到的支付数据类型，按解密结果传入对应类型。 enum: - 3DSecure - EMV x-enum-descriptions: 3DSecure: Apple Pay 支付 token 中的 3DSecure 支付数据；包含 `onlinePaymentCryptogram`，可能包含 `eciIndicator`，分别原样透传到 `cardInfo.cryptogram` 与 `cardInfo.eci`。 EMV: Apple Pay 支付 token 中的 EMV 支付数据，用于 EMV 模式的 token 交易。 required: - paymentDataType description: Apple Pay 专属元数据。 x-onerway-required: conditional x-onerway-condition: - 当 `wallet.type=ApplePay` 时必填。 googlePay: type: object properties: authMethod: type: string description: Google Pay 解密 token 的认证方式。`CRYPTOGRAM_3DS` 需同时传 `cardInfo.cryptogram` 和 `cardInfo.eci`；`PAN_ONLY` 不含 3DS 凭证。 enum: - CRYPTOGRAM_3DS - PAN_ONLY x-enum-descriptions: CRYPTOGRAM_3DS: Google Pay token 含 3DS 凭证；商户自解密后需提交 `cryptogram` 与 `eci`。 PAN_ONLY: Google Pay token 仅包含卡数据，不含 3DS cryptogram。 required: - authMethod description: 商户自解密 Google Pay token（`tokenizationSpecification.type=DIRECT`）的元数据。 x-onerway-required: conditional x-onerway-condition: - 当 `wallet.type=GooglePay` 时必填。 x-onerway-constraints: - kind: rule text: 商户自解密要求 Google Pay 前端使用 `DIRECT` tokenization，`protocolVersion=ECv2` 并在自己的 Google Pay & Wallet Console 注册公钥；token 以商户公钥加密，此时不使用查询可用支付方式返回的 `gatewayName` / `gatewayMerchantId`。 required: - type description: 钱包元数据；按 `type` 二选一传 `applePay` 或 `googlePay`。 x-onerway-required: conditional x-onerway-condition: - 钱包商户自解密模式时必填。 x-onerway-required: conditional x-onerway-condition: - 商户自行采集卡信息支付时必填。 - Apple Pay / Google Pay 商户自解密模式时必填。 - 卡 token 支付（`subProductType=TOKEN`）时必填；与 `tokenInfo` 一起提交 `cardInfo.cvv`。 - Google Pay Onerway 代解密模式下，商户自行采集 `PAN_ONLY` 支付的 CVC 时必填；此时 `cardInfo` 只包含 `cvv`，并与 `tokenInfo` 一起提交。 x-onerway-constraints: - kind: rule text: Google Pay 商户自解密模式同样需按 Onerway 要求配置 `allowedAuthMethods`，详见 [tokenInfo](/zh/payments/api-reference/endpoints/direct-create-transaction#request-tokenInfo) 的约束说明。 x-onerway-format: json_string merchantCustId: type: string description: 客户在商户系统中的唯一标识。订阅交易中应以 `subscription.merchantCustId` 作为订阅客户标识；外层 `merchantCustId` 可不传，若同传则必须与 `subscription.merchantCustId` 保持一致。 x-onerway-required: conditional x-onerway-condition: - 卡 token 支付（`subProductType=TOKEN`）和订阅场景必填。 merchantNo: type: string description: Onerway 分配的商户号；获取方式参见[接入准备](/zh/payments/get-started/setup#获取凭证)。 x-onerway-constraints: - kind: rule text: 平台模式下传该笔交易所属子商户的商户号，而不是平台商户号；该子商户需已在 Onerway 完成报备。 merchantTxnId: type: string description: 商户系统生成的每笔支付唯一交易标识，用于交易跟踪、对账和防重复处理。 merchantTxnTime: type: string description: 商户发起交易的时间戳，格式为 `yyyy-MM-dd HH:mm:ss`；未传时 Onerway 默认使用 UTC+8 时区记录交易时间。 merchantTxnTimeZone: type: string description: 商户交易时间的时区偏移量；未传时 Onerway 默认使用 UTC+8 时区记录交易时间。 metaData: type: string description: 本次交易的商户自定义数据，必须是包含合法 JSON 的字符串；交易查询和异步通知会原样返回，未传入时其中的 `metaData` 为空。 mpiInfo: type: string description: 外部 3DS / MPI 认证结果。直连接入可使用自有或外部 MPI / 3DS Server 完成 3DS 认证，并将认证结果原样回传。 contentMediaType: application/json contentSchema: type: object properties: version: type: string description: 外部 MPI / 3DS Server 返回的 3DS 协议版本。 eci: type: string description: 外部认证流程返回的电子商务指示符（ECI）。 cavv: type: string description: 发卡行返回的持卡人认证验证值（CAVV）。 xid: type: string description: 3DS v1 交易标识；与 `dsTransID` 二选一。 dsTransID: type: string description: 3DS v2+ Directory Server 交易标识；与 `xid` 二选一。 required: - version - eci - cavv x-onerway-required: conditional x-onerway-condition: - 当 `risk3dsStrategy=EXTERNAL` 时必填。 x-onerway-format: json_string lpmsInfo: type: string description: 本地支付方式信息，包含所选本地支付方式的配置参数。 contentMediaType: application/json contentSchema: type: object properties: lpmsType: type: string description: 本地支付方式类型。 enum: - GooglePay - ApplePay - JdPay - Alipay+ - WeChat - AlipayHK - AlipayCN - Kakao_Pay - Klarna - Boleto - BankTransfer - Banrisul - Bradesco - Banco do Brasil - Itau - MercadoPago - PIX - Servipag - Sencillito - Webpay - Multicaja - Baloto - EFT - Efecty - SPEI - OXXO - OXXOPAY - PagoEfectivo - safetypay-cash - safetypay-online - PayU - Przelewy24 - Pagosnet - SEPADD - Sofort - Giropay - iDEAL - Konbini - PayEasy - POLi - Bancontact - OVO - MyBank - Dragonpay - Skrill - eNETS - PayseraWallet - LithuanianBanks - PaySafeCard - Paysafecash - Payconiq - Trustly - PAY_BY_BANK - GCash - GrabPay - PayMaya - ELEVEN - GrabPay SG - TrueMoney Wallet - Rabbit_Line_pay - PromptPay - KRUNGSRI_ONLINE - BUALUANG_IBANKING - CITI_POINTS - K_PLUS - MCASH - TOUCH_GO_EWALLET - ShopeePay - Boost - BNI - MANDIRI - Maybank - PERMATA - BRI - CIMB - DANA - QRIS - AKULAKU - Paypay - LINE_Pay - Merpay - Rakuten_Pay - BitCash - Net_Cash - WebMoney - au - SoftBank - NTT_Docomo - Paidy - BLIK - BLIK_SEAMLESS - cardpay - stcpay - tamara - tabby - MB_WAY x-enum-descriptions: GooglePay: Google Pay 钱包支付方式。 ApplePay: Apple Pay 钱包支付方式。 JdPay: JD Pay 支付方式。 Alipay+: Alipay+ 支付方式。 WeChat: 微信支付方式。 AlipayHK: 支付宝香港支付方式。 AlipayCN: 支付宝中国内地支付方式。 Kakao_Pay: Kakao Pay 支付方式。 Klarna: Klarna 支付方式。 Boleto: Boleto 支付方式。 BankTransfer: 银行转账支付方式。 Banrisul: Banrisul 银行支付方式。 Bradesco: Bradesco 银行支付方式。 Banco do Brasil: Banco do Brasil 银行支付方式。 Itau: Itaú 银行支付方式。 MercadoPago: Mercado Pago 支付方式。 PIX: PIX 即时支付方式。 Servipag: Servipag 支付方式。 Sencillito: Sencillito 支付方式。 Webpay: Webpay 支付方式。 Multicaja: Multicaja 支付方式。 Baloto: Baloto 现金支付方式。 EFT: 电子资金转账支付方式。 Efecty: Efecty 现金支付方式。 SPEI: SPEI 银行转账支付方式。 OXXO: OXXO 现金凭证支付方式。 OXXOPAY: OXXO Pay 支付方式。 PagoEfectivo: PagoEfectivo 现金支付方式。 safetypay-cash: SafetyPay Cash 支付方式。 safetypay-online: SafetyPay Online 支付方式。 PayU: PayU 支付方式。 Przelewy24: Przelewy24 支付方式。 Pagosnet: Pagosnet 支付方式。 SEPADD: SEPA 直接借记支付方式。 Sofort: Sofort 支付方式。 Giropay: giropay 支付方式。 iDEAL: iDEAL 支付方式。 Konbini: Konbini 便利店支付方式。 PayEasy: Pay-easy 支付方式。 POLi: POLi 支付方式。 Bancontact: Bancontact 支付方式。 OVO: OVO 钱包支付方式。 MyBank: MyBank 支付方式。 Dragonpay: Dragonpay 支付方式。 Skrill: Skrill 支付方式。 eNETS: eNETS 支付方式。 PayseraWallet: Paysera Wallet 支付方式。 LithuanianBanks: 立陶宛银行支付方式。 PaySafeCard: paysafecard 预付卡支付方式。 Paysafecash: paysafecash 支付方式。 Payconiq: Payconiq 支付方式。 Trustly: Trustly 支付方式。 PAY_BY_BANK: Pay by Bank 银行账户支付方式。 GCash: GCash 钱包支付方式。 GrabPay: GrabPay 钱包支付方式。 PayMaya: Maya 钱包支付方式。 ELEVEN: 7-Eleven 支付方式。 GrabPay SG: GrabPay Singapore 钱包支付方式。 TrueMoney Wallet: TrueMoney Wallet 支付方式。 Rabbit_Line_pay: Rabbit LINE Pay 支付方式。 PromptPay: PromptPay 支付方式。 KRUNGSRI_ONLINE: Krungsri Online 网银支付方式。 BUALUANG_IBANKING: Bualuang iBanking 支付方式。 CITI_POINTS: Citi Rewards Points 支付方式。 K_PLUS: K PLUS 支付方式。 MCASH: MCash 钱包支付方式。 TOUCH_GO_EWALLET: Touch 'n Go eWallet 支付方式。 ShopeePay: ShopeePay 钱包支付方式。 Boost: Boost 钱包支付方式。 BNI: BNI 虚拟账户支付方式。 MANDIRI: Mandiri 虚拟账户支付方式。 Maybank: Maybank 虚拟账户支付方式。 PERMATA: Permata 虚拟账户支付方式。 BRI: BRI 虚拟账户支付方式。 CIMB: CIMB 虚拟账户支付方式。 DANA: DANA 钱包支付方式。 QRIS: QRIS 支付方式。 AKULAKU: Akulaku 支付方式。 Paypay: PayPay 支付方式。 LINE_Pay: LINE Pay 支付方式。 Merpay: Merpay 支付方式。 Rakuten_Pay: Rakuten Pay 支付方式。 BitCash: BitCash 支付方式。 Net_Cash: NetCash 支付方式。 WebMoney: WebMoney 支付方式。 au: au PAY 支付方式。 SoftBank: SoftBank 运营商支付方式。 NTT_Docomo: d払い（Docomo）运营商支付方式。 Paidy: Paidy 支付方式。 BLIK: BLIK 支付方式。 BLIK_SEAMLESS: BLIK Seamless 支付方式。 cardpay: MADA 支付方式。 stcpay: stc pay 支付方式。 tamara: Tamara 支付方式。 tabby: Tabby 支付方式。 MB_WAY: MB Way 支付方式。 bankName: type: string description: 银行标识。请求中传入所选本地支付方式对应枚举项的 `value`；显示名称仅供说明。 enum: - banco_agrario - banco_av_villas - banco_bbva_colombia_s.a. - banco_caja_social - banco_colpatria - banco_cooperativo_coopcentral - banco_corpbanca_s.a - banco_davivienda - banco_de_bogota - banco_de_occidente - bancofalabella - banco_gnb_sudameris - banco_pichincha_s.a. - banco_procredit - bancolombia - bancoomeva_s.a. - citibank_ - itau - nequi - "20" - "26" - "31" - "33" - "43" - "45" - "49" - "52" - "53" - "54" - "64" - "65" - "69" - "85" - "88" - "90" - "95" - "99" - "112" - "119" - "129" - "131" - "136" - "141" - "143" - "144" - "153" - "154" - "158" - "161" - "185" - "222" - "223" - "243" - "266" - "270" - "271" - "272" - "274" - "275" - "279" - "280" x-onerway-enum-variants: - title: EFT when: 当 `lpmsType=EFT` 时。 values: - value: banco_agrario description: BANCO AGRARIO - value: banco_av_villas description: BANCO AV VILLAS - value: banco_bbva_colombia_s.a. description: BANCO BBVA COLOMBIA S.A. - value: banco_caja_social description: BANCO CAJA SOCIAL - value: banco_colpatria description: BANCO COLPATRIA - value: banco_cooperativo_coopcentral description: BANCO COOPERATIVO COOPCENTRAL - value: banco_corpbanca_s.a description: BANCO CORPBANCA S.A - value: banco_davivienda description: BANCO DAVIVIENDA - value: banco_de_bogota description: BANCO DE BOGOTA - value: banco_de_occidente description: BANCO DE OCCIDENTE - value: bancofalabella description: BANCO FALABELLA - value: banco_gnb_sudameris description: BANCO GNB SUDAMERIS - value: banco_pichincha_s.a. description: BANCO PICHINCHA S.A. - value: banco_procredit description: BANCO PROCREDIT - value: bancolombia description: BANCOLOMBIA - value: bancoomeva_s.a. description: BANCOOMEVA S.A. - value: citibank_ description: CITIBANK - value: itau description: ITAU - value: nequi description: NEQUI - title: Przelewy24 when: 当 `lpmsType=Przelewy24` 时。 values: - value: "20" description: Santander Bank Polska - Pretzel24 payment system - value: "26" description: Pay with Inteligo - value: "31" description: Pay with iPKO (PKO BP) - value: "33" description: BNP Paribas banking group - value: "43" description: Bank Polska Kasa Opieki Spółka Akcyjna - value: "45" description: Credit Agricole banking group - value: "49" description: ING Bank Śląski - value: "52" description: Inteligo Account - value: "53" description: Powszechna Kasa Oszczędności Bank Polski (iPKO) - value: "54" description: Santander Bank Polska - value: "64" description: Toyota Bank - value: "65" description: Bank Polska Kasa Opieki Spółka Akcyjna - value: "69" description: Volkswagen Bank - value: "85" description: Bank Millennium S.A. - value: "88" description: Pay with Alior Bank - value: "90" description: Nest Bank - value: "95" description: Credit Agricole banking group - value: "99" description: Pay with BOŚ Bank - value: "112" description: Pay with ING Bank - value: "119" description: Pay with Citi Handlowy - value: "129" description: Alior Bank - Installment payments - value: "131" description: Pay with Plus Bank - value: "136" description: mBank - Installment payments - value: "141" description: E-transfer with Pocztowy24 - value: "143" description: Cooperative Banks - value: "144" description: Bank Nowy BFG S.A. - value: "153" description: Getin Bank - value: "154" description: Polish mobile payment system - value: "158" description: Noble Pay payment system - value: "161" description: Pay with Idea Bank - value: "185" description: Envelope Bank - value: "222" description: Nest Bank Transfer - value: "223" description: BNP Paribas - Pay with Pl@net - value: "243" description: mBank - mTransfer service - value: "266" description: P24now payment service - value: "270" description: mBank (ITP Service) - value: "271" description: ING Bank Śląski (ITP Service) - value: "272" description: BNP Paribas (ITP Service) - value: "274" description: PKO BP (ITP Service) - value: "275" description: Santander (ITP Service) - value: "279" description: Inteligo (ITP Service) - value: "280" description: mBank - Installment payments x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType=EFT` 或 `lpmsType=Przelewy24` 时必填。 walletAccountId: type: string description: 钱包或本地账户标识符。 x-onerway-required: conditional x-onerway-condition: - 所选本地支付方式需要采集钱包账户或本地账户标识符时必填。 walletAccountName: type: string description: 钱包或本地账户名称。 x-onerway-required: conditional x-onerway-condition: - 所选本地支付方式需要采集钱包账户或本地账户名称时必填。 iBan: type: string description: 国际银行账号。 x-onerway-required: conditional x-onerway-condition: - 在使用 IBAN 进行银行识别的地区转账时必填。 prepaidNumber: type: string description: 预付卡或充值卡号。 x-onerway-required: conditional x-onerway-condition: - 所选日本预付类支付方式需要采集预付卡或充值卡号时必填。 required: - lpmsType x-onerway-required: conditional x-onerway-condition: - 当 `productType=LPMS` 时必填。 x-onerway-format: json_string orderAmount: type: string description: 指定货币的交易金额，使用十进制字符串。零小数币种必须表示整数金额，可带 `.00` 这类全 0 小数；非零小数会被拒绝。格式要求详见[币种与金额校验](/zh/payments/get-started/currency-and-amount)。 orderCurrency: type: string description: "[ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) 三位字母货币代码，需与 `orderAmount` 匹配。" osType: type: string description: 移动端和应用交易的操作系统类型。 enum: - IOS - ANDROID x-enum-descriptions: IOS: iOS 设备。 ANDROID: Android 设备。 x-onerway-required: conditional x-onerway-condition: - 当 `paymentMode` 不是 `WEB` 时必填。 paymentMode: type: string description: 交易平台或环境的支付模式；默认 `WEB`。 enum: - WEB - APP - WAP x-enum-descriptions: WEB: 桌面浏览器支付。 APP: 原生移动 App 支付。 WAP: 移动浏览器支付。 paymentMethodOptions: type: string description: 支付方式配置选项；直连交易支持 `card` 与 `share` 对象。 contentMediaType: application/json contentSchema: type: object properties: card: type: object properties: avsEnabled: type: boolean description: 是否开启 AVS（地址验证服务）；使用前需提前联系 Onerway 开通。设为 `true` 时使用账单地址进行 AVS 验证，结果通过交易查询和 Webhook 的 `paymentMethodDetails.card.checks` 返回。 description: 卡支付配置项。 share: type: object properties: profitShare: type: boolean description: 本次交易是否允许分账；启用后该笔交易才可参与后续分账。传 `true` 但未同时传 `profitShareRate` 时不会自动分账，仍可使用本次请求返回的 `transactionId`，通过[发起分账或分账回退](/zh/payments/api-reference/endpoints/create-or-reverse-profit-share)接口发起分账。 profitShareNotifyUrl: type: string description: 接收自动分账及分账回退通知的地址。不传时，不发送自动分账或分账回退通知。 x-onerway-constraints: - kind: consistency text: 非空地址必须使用 HTTPS，并与 `profitShare=true` 同时提交，否则支付请求会被拒绝。 - kind: rule text: 仅在 `profitShare=true` 时保存该地址。`CAPTURE` 交易继承原 `AUTH` 交易的地址。原支付已配置该地址时，后续分账或分账回退请求无需再传 `urlCallback`。 profitShareRate: type: string description: 自动分账比例，`1` 表示 1%，`100` 表示 100%。`SALE` 或 `CAPTURE` 成功后按该比例自动分账给平台商户；发生退款或拒付时，按同一比例退还对应的分账金额。 x-onerway-constraints: - kind: range min: 1 max: 100 unit: "%" - kind: rule text: 需传入整数形式的字符串；小数、`0`、负数或大于 100 的取值会被拒绝。 - kind: consistency text: 需与 `profitShare=true` 同时传入；`profitShare` 未传或为 `false` 时传入比例会被拒绝。 description: 本次交易的分账配置。平台模式下，子商户收到的款项中会有一部分分给平台商户。 x-onerway-lifecycle: status: new since: 2026-08-10 description: en: New object for transaction profit sharing. zh: 交易分账的新增对象。 x-onerway-format: json_string productType: type: string description: 支付方式范围。直连接口必须明确选择 `CARD` 或 `LPMS`；`ALL` 属于收银台聚合展示概念，本接口不支持。 enum: - CARD - LPMS x-enum-descriptions: CARD: 卡支付范围，包含商户自行采集卡信息的卡支付以及 Apple Pay / Google Pay 钱包支付。 LPMS: 本地支付方式范围；使用该取值时需同时传入 `lpmsInfo`。 retailers: type: string description: marketplace 交易的零售商信息；订单包含的每个零售商各传入一个对象。 contentMediaType: application/json contentSchema: type: array items: type: object properties: retailerId: type: string description: 商户自行定义的零售商唯一标识；需在 marketplace 或商户体系内保持唯一。该标识不是 `merchantNo` 中传入的 Onerway 子商户号，两者属于不同的标识体系。 x-onerway-constraints: - kind: range max: 64 unit: 字符 retailerName: type: string description: 零售商名称；建议传入其正式注册名称或对外经营名称。 x-onerway-constraints: - kind: range max: 128 unit: 字符 retailerCountry: type: string description: 零售商所在国家或地区，使用 [ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alpha-2) 国家或地区代码。 required: - retailerId - retailerName - retailerCountry x-onerway-constraints: - kind: rule text: 适用于 marketplace / 平台模式下商品由第三方零售商销售的场景；仅销售自有商品的商户无需传入。 - kind: consistency text: 传入该字段后，`txnOrderMsg.products` 中的每个商品都需要传入 `retailerId`，且取值需命中此处列出的某个零售商。 x-onerway-format: json_string x-onerway-lifecycle: status: new since: 2026-08-10 description: en: New field for marketplace retailer information. zh: marketplace 零售商信息的新增字段。 risk3dsStrategy: type: string description: 3DS 风控策略；直连接入支持 `DEFAULT`、`INNER`、`NONE`、`EXTERNAL`。选择 `EXTERNAL` 时必须同时传入 `mpiInfo` 回传外部 3DS 认证结果；如需指定非默认策略，需提前联系 Onerway 确认配置。 enum: - DEFAULT - INNER - NONE - EXTERNAL x-enum-descriptions: DEFAULT: 默认策略，由 Onerway 根据交易、商户配置和风控判断是否发起 3DS 验证。 INNER: 强制使用 Onerway 托管的 3DS 验证流程。 NONE: 不走 3DS 验证；是否可用需结合商户配置和风控要求确认。 EXTERNAL: 使用外部 MPI / 3DS Server 完成认证，并通过 `mpiInfo` 回传认证结果。 shippingInformation: type: string description: 交易配送信息，包含客户配送地址和联系信息。 contentMediaType: application/json contentSchema: type: object properties: firstName: type: string description: 客户名字。 lastName: type: string description: 客户姓氏。 jpFirstName: type: string description: 日语片假名格式的名字；仅日本支付方式和日本发行的卡需要。 jpLastName: type: string description: 日语片假名格式的姓氏；仅日本支付方式和日本发行的卡需要。 phone: type: string description: 客户电话号码，仅填本地号码（不含国家码）；国家码请单独传入 `phoneCountryCode`。Onerway 当前不强校验格式。 phoneCountryCode: type: string description: 客户电话号码的国家拨号码，纯数字、不含 `+`；与 `phone` 组合为完整号码。 x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType=MB_WAY` 时必填。 email: type: string description: 客户邮箱地址，用于交易确认和争议处理。 postalCode: type: string description: 邮政编码；许多地区的 AVS 验证需要此字段。 address: type: string description: 完整地址字段，可替代街道、门牌号和城市等拆分字段；不建议用于 AVS 验证。 country: type: string description: "[ISO 3166-1 alpha-2](https://en.wikipedia.org/wiki/ISO_3166-1_alph\ a-2) 国家或地区代码。" province: type: string description: "[ISO 3166-2](https://en.wikipedia.org/wiki/ISO_3166-2#Current_code\ s) 省/州代码。" x-onerway-required: conditional x-onerway-condition: - 当 `country` 为 `US` 或 `CA` 时必填。 city: type: string description: 城市名称。开启 AVS 或需要完整账单地址时建议传入。 street: type: string description: 街道名称。开启 AVS 时建议与 `number`、`postalCode`、`city` 拆分传入。 number: type: string description: 门牌号或建筑号。开启 AVS 时建议与其他拆分地址字段一起传入。 identityNumber: type: string description: 政府颁发的身份标识，通常用于特定本地支付方式或高额交易的 KYC 合规。 birthDate: type: string description: 出生日期，格式为 `yyyy/MM/dd`。 required: - email - country x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 x-onerway-format: json_string sign: type: string description: 请求签名字符串；生成方式详见[请求签名](/zh/payments/get-started/request-signing)。 subProductType: type: string description: 所选支付方式范围下的交易处理模式，需要与 `productType` 和 `txnType` 配合定义交易模型。 enum: - DIRECT - TOKEN - SUBSCRIBE - INSTALLMENT x-enum-descriptions: DIRECT: 普通直连支付，按 `productType` 与 `txnType` 执行一次性扣款、钱包支付、本地支付或预授权。 TOKEN: 卡 token 支付，使用已保存的卡 token 扣款；需配合客户标识，并必须提交 `cardInfo.cvv`。 SUBSCRIBE: 订阅交易；通过 `subscription.requestType` 支持初始订阅、商户自主管理后续扣款与托管订阅计划更新。 INSTALLMENT: 分期交易；需在 `txnOrderMsg.periodValue` 中传入咨询分期期数接口返回的期数值。 subscription: type: string description: 订阅信息。本直连接口支持初始订阅（`requestType=0`）、后续扣款（`requestType=1`，自主管理订阅的本期扣款）和订阅更新（`requestType=2`，托管订阅计划升级 / 降级）。 contentMediaType: application/json contentSchema: type: object properties: requestType: type: string description: 订阅请求类型，区分初始订阅、后续扣款与订阅更新。 enum: - "0" - "1" - "2" x-enum-descriptions: "0": 初始订阅请求，建立订阅合约。 "1": 后续扣款，使用已有合约与 token 完成本期扣款。 "2": 托管订阅计划更新，例如升级或降级。 merchantCustId: type: string description: 订阅客户在商户系统中的唯一标识。 x-onerway-required: conditional x-onerway-condition: - 选填。订阅客户标识通过外层 `merchantCustId` 传入；本字段如同时传入，两者必须一致。 selfExecute: type: string description: 订阅执行方式，用于区分托管订阅和自主管理订阅。 enum: - "1" - "2" x-enum-descriptions: "1": 由 Onerway 按订阅计划自动扣款。 "2": 由商户在每个订阅周期主动发起扣款。 x-onerway-required: conditional x-onerway-condition: - 初始订阅请求（`requestType=0`）中提供。 mode: type: string description: 订阅首期扣款方式；不传时默认为 `2`。 enum: - "1" - "2" x-enum-descriptions: "1": 仅获取用户订阅授权并返回授权结果，暂不扣款；首期扣款改由商户自行发起，仅自主管理订阅（`selfExecute=2`）适用。 "2": 获取用户授权后立即完成首期扣款；适用于卡订阅及需用户授权的本地支付方式。 metaData: type: string description: 订阅的商户自定义数据，必须是包含合法 JSON 的字符串；同时传入外层 `metaData` 与 `subscription.metaData` 时，以 `subscription.metaData` 为准。 productName: type: string description: 订阅产品或计划名称；`selfExecute=1` 和 `selfExecute=2` 均支持传入，用于在订阅记录中区分商品或计划。 amountOff: type: string description: 优惠期内每期订阅扣款减免的固定金额。 x-onerway-constraints: - kind: rule text: 使用 decimal string 格式；币种和精度与外层 `orderCurrency` 一致，规则见[币种与金额校验](/zh/payments/get-started/currency-and-amount)。 - kind: consistency text: 必须大于 `0` 且小于外层 `orderAmount`，以确保实际扣款金额大于 `0`。 - kind: unsupported text: 续费请求（`requestType=1`）和托管订阅（`selfExecute=1`）不支持该字段。 x-onerway-lifecycle: status: new since: 2026-08-12 description: en: New field for fixed-amount discounts on initial merchant-managed subscription cycles. zh: 非托管订阅前若干期固定金额优惠的新增字段。 amountOffCycleCount: type: integer description: 享受 `amountOff` 优惠的成功订阅扣款期数；不传时仅首次成功扣款享受优惠。 x-onerway-constraints: - kind: range min: 1 unit: 期 - kind: consistency text: 仅可与 `amountOff` 同时传入；与托管订阅的 `cycleCount` 字段无关。 - kind: rule text: 仅成功扣款消耗优惠期数；仅授权、失败、取消和处理中的交易均不消耗。 - kind: unsupported text: 续费请求（`requestType=1`）和托管订阅（`selfExecute=1`）不支持该字段。 x-onerway-lifecycle: status: new since: 2026-08-12 description: en: New field for extending a fixed-amount discount across multiple subscription charges. zh: 将固定金额优惠延续到多期订阅扣款的新增字段。 frequencyType: type: string description: 订阅计费频率类型。`selfExecute=1` 支持 `D`、`M`、`Y`；`selfExecute=2` 仅支持 `D`。 enum: - D - M - Y x-enum-descriptions: D: 按天计费。 M: 按月计费。 Y: 按年计费。 x-onerway-required: conditional x-onerway-condition: - 初始订阅请求中提供；自主管理订阅（`selfExecute=2`）仅支持 `D`。 frequencyPoint: type: string description: 计费周期长度，单位由 `frequencyType` 指定。 x-onerway-required: conditional x-onerway-condition: - 初始订阅请求中提供。 x-onerway-constraints: - kind: values text: 托管订阅（`selfExecute=1`）中，`frequencyType=D` 时可传 `1`、`7`、`14`；`frequencyType=M` 时可传 `1`、`3`、`6`；`frequencyType=Y` 时仅可传 `1`。自主管理订阅（`selfExecute=2`）中该值没有固定取值集合，表示计费周期的天数，例如月度订阅传 `30`、年度订阅传 `365`。 - kind: rule text: 自主管理订阅（`selfExecute=2`）中，该值仅用于记录订阅的计费周期：Onerway 不据此自动发起扣款，也不校验实际扣款时间是否符合该周期；每期续费扣款由商户自行发起。 expireDate: type: string description: 订阅到期日期。 x-onerway-required: conditional x-onerway-condition: - 使用到期日期定义订阅结束时间时提供。 cycleCount: type: integer description: 订阅计费周期数量，取值范围 `1-99`。 x-onerway-required: conditional x-onerway-condition: - 托管订阅（`selfExecute=1`）中使用固定周期数定义订阅计划时提供。 trialFromPlan: type: string description: 托管订阅的试用期计费控制。 enum: - "0" - "1" x-enum-descriptions: "0": 试用期不收费。 "1": 试用期按订阅计划计费。 trialDays: type: integer description: 试用期持续天数，取值范围 `3-365`。 x-onerway-required: conditional x-onerway-condition: - 托管订阅中按天数设置试用期时提供；与 `trialEnd` 二选一。 trialEnd: type: string description: 试用期结束日期。 x-onerway-required: conditional x-onerway-condition: - 托管订阅中按结束日期设置试用期时提供；与 `trialDays` 二选一。 notificationEmail: type: string description: 订阅通知邮箱；订阅确认、状态变更、扣款通知都会发送到该邮箱。 bindCard: type: boolean description: 托管卡订阅首次支付成功后，是否保存客户的卡。保存结果由 Onerway 通过独立的[保存支付方式结果通知](/zh/payments/api-reference/webhooks/payment-method-result)（`txnType=BIND_CARD`）发送。 x-onerway-constraints: - kind: rule text: 保存成功时，[保存支付方式结果通知](/zh/payments/api-reference/webhooks/payment-method-result)返回 `status=S`，其 `tokenId` 即保存支付方式 token，可用于本接口的 `subProductType=TOKEN` 支付。订阅扣款使用[订阅扣款通知](/zh/payments/api-reference/webhooks/subscription-payment)返回的 `contractId` 与 `tokenId`，通过 `subProductType=SUBSCRIBE` 发起，与保存支付方式 token 是两个不同的 token。 - kind: rule text: 本地支付方式订阅忽略该字段：其订阅授权结果总会通过保存支付方式结果通知发送。 - kind: unsupported text: "`selfExecute=2` 自主管理订阅不支持。" contractId: type: string description: 初始订阅成功后返回的订阅合约 ID。 x-onerway-required: conditional x-onerway-condition: - 后续扣款或订阅更新（`requestType=1` 或 `2`）时必填。 tokenId: type: string description: 初始订阅保存的支付 token。 x-onerway-required: conditional x-onerway-condition: - 后续扣款或订阅更新（`requestType=1` 或 `2`）时必填。 changeMode: type: string description: 订阅计划变更的生效方式。 enum: - "1" - "2" x-enum-descriptions: "1": 立即生效；Onerway 按当前计费周期剩余天数计算 proration，升级即时扣款，降级如需退款需调用退款接口处理。 "2": 下个计费周期生效；不立即扣款，变更在下次计费日生效。 x-onerway-required: conditional x-onerway-condition: - 托管订阅计划更新（`requestType=2`）时传入。 proration: type: string description: 计划变更需向用户收取的差价金额。 x-onerway-required: conditional x-onerway-condition: - 托管订阅计划更新且 `prorationMode=0`（商户计算）时必填。 prorationMode: type: string description: 托管订阅更新时差价由谁计算；不传时默认由 Onerway 自动计算（`1`）。 enum: - "0" - "1" x-enum-descriptions: "0": 商户计算差价，并通过 `proration` 提交金额。 "1": Onerway 自动计算差价。 required: - requestType x-onerway-required: conditional x-onerway-condition: - 当 `subProductType=SUBSCRIBE` 时必填。 x-onerway-format: json_string tokenInfo: type: string description: 以 token 凭据发起支付。钱包场景传钱包 SDK 返回的加密 token，由 Onerway 代解密。卡 token 支付传生成卡 token 或保存支付方式返回的卡 token；订阅 token 通过 `subscription.tokenId` 传入，不在此处。 contentMediaType: application/json contentSchema: type: object properties: provider: type: string description: 钱包 token 来源类型。 enum: - ApplePay - GooglePay x-enum-descriptions: ApplePay: Apple Pay 钱包。 GooglePay: Google Pay 钱包。 x-onerway-required: conditional x-onerway-condition: - 钱包支付必填；卡 token 支付时不传。 tokenId: type: string description: token 值。钱包场景为钱包 SDK 返回的加密 token，需原样透传；卡 token 支付为此前返回的卡 token。 required: - tokenId x-onerway-required: conditional x-onerway-condition: - Apple Pay / Google Pay Onerway 代解密模式时必填。 - 卡 token 支付（`subProductType=TOKEN`）时必填。 x-onerway-constraints: - kind: rule text: Onerway 要求 Google Pay `CARD` 支付方式参数中的 `allowedAuthMethods` 同时包含 `PAN_ONLY` 和 `CRYPTOGRAM_3DS`。该要求适用于 Onerway 代解密和商户自解密两种模式；商户自解密时通过 [cardInfo](/zh/payments/api-reference/endpoints/direct-create-transaction#request-cardInfo) 提交解密后的支付数据。 - kind: rule text: Google Pay 由 Onerway 代解密时对应 `PAYMENT_GATEWAY` tokenization：Google Pay 前端的 `gateway` 与 `gatewayMerchantId` 参数分别取查询可用支付方式返回的 `gatewayName` 与 `gatewayMerchantId`。该 token 以 Onerway 密钥加密，商户无法自行解密。 - kind: rule text: Google Pay Onerway 代解密模式下，创建交易前可选择调用[检查 Google Pay PAN_ONLY token](/zh/payments/api-reference/endpoints/check-google-pay-pan-only)。提交 `PAN_ONLY` token 时，若未传 `cardInfo.cvv`，无论是否已调用检查接口，交易响应均返回 `data.status=R` 和 `data.redirectUrl`。商户需引导用户跳转至 `data.redirectUrl`，在 Onerway 托管页面输入 CVC；若自行采集 CVC，则通过 [cardInfo.cvv](/zh/payments/api-reference/endpoints/direct-create-transaction#request-cardInfo-cvv) 与 `tokenInfo` 一起提交。 x-onerway-format: json_string txnOrderMsg: type: string description: 交易业务信息，包含 `returnUrl`、`notifyUrl`、`appId`、商品信息以及由商户采集的浏览器、设备和持卡人 IP 信息。 contentMediaType: application/json contentSchema: type: object properties: returnUrl: type: string description: 同步回跳地址，主要用于 3DS challenge 等跳转场景；商户应通过 Webhook 或交易查询确认最终结果。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 products: type: string description: 顾客购买的商品信息列表；商品金额、折扣和运费合计需要等于 `orderAmount`。 contentMediaType: application/json contentSchema: type: array items: type: object properties: name: type: string description: 商品名称。 price: type: string description: 商品单价。 num: type: string description: 商品数量。 productAvatarUrl: type: string description: 商品图片链接；需为 HTTPS，格式 JPG / PNG / WebP。 x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType` 为 `stcpay`、`tamara`、`tabby` 或 `cardpay` 时必填。 desc: type: string description: 商品描述。 currency: type: string description: "[ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) 货币代码。" type: type: string description: 商品类别；默认不填即普通商品。`discount` 商品金额需要传负数。 enum: - virtual - physical - shipping_fee - discount x-enum-descriptions: virtual: 虚拟商品。 physical: 实物商品。 shipping_fee: 运费商品项。 discount: 折扣商品项，金额需要传负数。 x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType` 为 `stcpay`、`tamara`、`tabby` 或 `cardpay` 时必须使用 `virtual` 或 `physical` 区分商品类别；`shipping_fee` 和 `discount` 可用于所有支付方式。 retailerId: type: string description: 销售该商品的零售商标识。 x-onerway-required: conditional x-onerway-condition: - 传入 `retailers` 时必填。 x-onerway-constraints: - kind: consistency text: 取值必须命中 `retailers` 中的某一个 `retailerId`。 x-onerway-lifecycle: status: new since: 2026-08-10 description: en: New field linking each product to its retailer. zh: 将商品关联到零售商的新增字段。 required: - name - price - num - currency x-onerway-format: json_string transactionIp: type: string description: 持卡人交易 IP，由商户采集并传入；应为终端用户 IP，而不是商户服务器 IP。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 appId: type: string description: 店铺 ID，商户在 Onerway 入驻时生成并可在后台获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 javaEnabled: type: boolean description: 持卡人浏览器是否启用 Java，由商户前端采集；可通过 `window.navigator.javaEnabled()` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 colorDepth: type: string description: 持卡人屏幕色深，由商户前端采集；可通过 `window.screen.colorDepth` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 screenHeight: type: string description: 持卡人屏幕高度，由商户前端采集；可通过 `window.screen.height` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 screenWidth: type: string description: 持卡人屏幕宽度，由商户前端采集；可通过 `window.screen.width` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 timeZoneOffset: type: string description: 持卡人浏览器时区偏移，由商户前端采集；可通过 `((new Date()).getTimezoneOffset()).toString()` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 accept: type: string description: 持卡人浏览器的 `Accept` request header，由商户采集并传入。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 userAgent: type: string description: 持卡人浏览器 User-Agent，由商户前端采集。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 contentLength: type: string description: 持卡人浏览器内容长度，由商户采集并传入。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 customerPlatform: type: string description: 商户平台标识，Web 端传网站域名，App 端传应用名称。 x-onerway-required: conditional x-onerway-condition: - 当 `lpmsType` 为 `stcpay`、`tamara`、`tabby` 或 `cardpay` 时必填。 language: type: string description: 持卡人浏览器语言，由商户前端采集；可通过 `window.navigator.language` 获取。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 periodValue: type: string description: 分期付款期数，应使用咨询分期期数接口返回的期数值。 x-onerway-required: conditional x-onerway-condition: - 外层 `subProductType=INSTALLMENT` 时必填。 notifyUrl: type: string description: 支付结果异步通知地址；商户收到 Webhook 通知后建议主动查询确认交易结果。 x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 required: - products x-onerway-required: conditional x-onerway-condition: - 除订阅后续扣款 / 更新（`subscription.requestType=1` 或 `2`）外必填。 x-onerway-format: json_string txnType: type: string description: 要执行的支付操作类型；该字段与 `productType`、`subProductType` 共同定义交易模型。`REFUND` 与 `BIND_CARD` 不在本下单接口范围。 enum: - SALE - AUTH x-enum-descriptions: SALE: 扣款型交易。与 `subProductType=DIRECT` / `TOKEN` / `SUBSCRIBE` / `INSTALLMENT` 组合时，分别用于普通支付、token 支付、订阅或分期交易。 AUTH: 预授权交易，先冻结持卡人卡上金额、暂不扣款；适用于商户自行采集卡信息支付和卡 token 支付，不适用于 LPMS、订阅或分期。 required: - merchantNo - merchantTxnId - orderAmount - orderCurrency - productType - sign - subProductType - txnType examples: one-time-card: summary: 一次性商户自行采集卡信息支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cvv":"{{CVV}}"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: DIRECT txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE wallet-token: summary: Onerway 代解密 Apple Pay 支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_wallet_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: DIRECT tokenInfo: '{"provider":"ApplePay","tokenId":"{{APPLE-PAY-TOKEN}}"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE saved-token: summary: 卡 token 支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"cvv":"{{CVV}}"}' merchantCustId: cust_demo_202606140001 merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_saved_token_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: TOKEN tokenInfo: '{"tokenId":"{{PAYMENT-TOKEN}}"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE subscription: summary: 直连订阅支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cvv":"{{CVV}}"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_subscription_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: SUBSCRIBE subscription: '{"requestType":"0","merchantCustId":"cust_demo_subscription_202606140001","selfExecute":"1","mode":"2","productName":"Demo monthly subscription","frequencyType":"M","frequencyPoint":"1","cycleCount":12,"trialFromPlan":"0","notificationEmail":"customer@example.com","bindCard":true,"metaData":"{\"planCode\":\"monthly_basic\"}"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE subscription-renewal: summary: 自主管理订阅后续扣款 value: merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_subscription_renewal_202606140001 merchantCustId: cust_demo_subscription_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 productType: CARD subProductType: SUBSCRIBE txnType: SALE orderAmount: "9.99" orderCurrency: USD subscription: '{"requestType":"1","contractId":"replace_with_subscription_contract_id","tokenId":"replace_with_subscription_token_id"}' txnOrderMsg: '{"products":"[{\"name\":\"Example unlimited plan\",\"price\":\"9.99\",\"num\":\"1\",\"currency\":\"USD\"}]","appId":"{{APPID}}","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' sign: "{{SIGN}}" installment: summary: 直连分期支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cvv":"{{CVV}}"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_installment_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: INSTALLMENT txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}","periodValue":"3"}' txnType: SALE local-payment-method: summary: 直连本地支付方式支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' lpmsInfo: '{"lpmsType":"EFT","bankName":"bancolombia"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_lpms_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: LPMS risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: DIRECT txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE pre-authorization: summary: 直连预授权支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cvv":"{{CVV}}"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_auth_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: DIRECT txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: AUTH apple-pay-merchant-decrypted: summary: 商户自解密 Apple Pay 支付 value: merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_apple_pay_decrypted_202609090001 merchantTxnTime: 2026-09-09 10:30:00 merchantTxnTimeZone: +08:00 orderAmount: "99.99" orderCurrency: USD productType: CARD subProductType: DIRECT txnType: SALE paymentMode: WEB cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cryptogram":"{{APPLE-PAY-CRYPTOGRAM}}","eci":"05","wallet":{"type":"ApplePay","applePay":{"paymentDataType":"3DSecure"}}}' billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Wireless Headphones\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' metaData: '{"orderSource":"direct-api-demo"}' risk3dsStrategy: DEFAULT sign: "{{SIGN}}" google-pay-onerway-decrypted: summary: Onerway 代解密 Google Pay 支付 value: merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_google_pay_202609090001 merchantTxnTime: 2026-09-09 10:30:00 merchantTxnTimeZone: +08:00 orderAmount: "99.99" orderCurrency: USD productType: CARD subProductType: DIRECT txnType: SALE paymentMode: WEB tokenInfo: '{"provider":"GooglePay","tokenId":"{{GOOGLE-PAY-TOKEN}}"}' billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Wireless Headphones\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' metaData: '{"orderSource":"direct-api-demo"}' risk3dsStrategy: DEFAULT sign: "{{SIGN}}" google-pay-merchant-decrypted: summary: 商户自解密 Google Pay CRYPTOGRAM_3DS 支付 value: merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_google_pay_decrypted_202609090001 merchantTxnTime: 2026-09-09 10:30:00 merchantTxnTimeZone: +08:00 orderAmount: "99.99" orderCurrency: USD productType: CARD subProductType: DIRECT txnType: SALE paymentMode: WEB cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cryptogram":"{{GOOGLE-PAY-CRYPTOGRAM}}","eci":"05","wallet":{"type":"GooglePay","googlePay":{"authMethod":"CRYPTOGRAM_3DS"}}}' billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Wireless Headphones\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' metaData: '{"orderSource":"direct-api-demo"}' risk3dsStrategy: DEFAULT sign: "{{SIGN}}" google-pay-pan-only-cvv: summary: Google Pay PAN_ONLY 商户自行采集 CVC 支付 value: merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_google_pay_202609090001 merchantTxnTime: 2026-09-09 10:30:00 merchantTxnTimeZone: +08:00 orderAmount: "99.99" orderCurrency: USD productType: CARD subProductType: DIRECT txnType: SALE paymentMode: WEB tokenInfo: '{"provider":"GooglePay","tokenId":"{{GOOGLE-PAY-TOKEN}}"}' cardInfo: '{"cvv":"{{CVV}}"}' billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Wireless Headphones\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' metaData: '{"orderSource":"direct-api-demo"}' risk3dsStrategy: DEFAULT sign: "{{SIGN}}" marketplace-retailers: summary: 多零售商 marketplace 直连支付 value: billingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' cardInfo: '{"holderName":"John Smith","cardNumber":"{{CARD-NUMBER}}","month":"12","year":"2030","cvv":"{{CVV}}"}' merchantNo: "{{MERCHANT-NO}}" merchantTxnId: txn_demo_direct_marketplace_202606140001 merchantTxnTime: 2026-06-14 10:30:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "150.00" orderCurrency: USD paymentMethodOptions: '{"card":{"avsEnabled":true}}' paymentMode: WEB productType: CARD retailers: '[{"retailerId":"RTL_100001","retailerName":"ABC Retail Limited","retailerCountry":"GB"},{"retailerId":"RTL_100002","retailerName":"XYZ Store GmbH","retailerCountry":"DE"}]' risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"John","lastName":"Doe","phone":"4848980027","phoneCountryCode":"1","email":"customer@example.com","postalCode":"94016","address":"100 Market Street","country":"US","province":"CA","city":"San Francisco","street":"Market Street","number":"100"}' sign: "{{SIGN}}" subProductType: DIRECT txnOrderMsg: '{"returnUrl":"{{RETURN-URL}}","products":"[{\"name\":\"Wireless Headphones\",\"price\":\"50.00\",\"num\":\"2\",\"currency\":\"USD\",\"retailerId\":\"RTL_100001\"},{\"name\":\"Desk Lamp\",\"price\":\"50.00\",\"num\":\"1\",\"currency\":\"USD\",\"retailerId\":\"RTL_100002\"}]","transactionIp":"203.0.113.10","appId":"{{APPID}}","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"{{WEBHOOK-ENDPOINT}}"}' txnType: SALE automatic-profit-share: summary: 配置自动分账通知的支付 value: billingInformation: '{"firstName":"Example","lastName":"Customer","email":"customer@example.com","country":"US","province":"CA"}' cardInfo: '{"holderName":"Example Customer","cardNumber":"replace_with_card_number","month":"12","year":"2030","cvv":"replace_with_cvv"}' merchantNo: replace_with_merchant_no merchantTxnId: example_automatic_profit_share_payment merchantTxnTime: 2026-09-17 10:00:00 merchantTxnTimeZone: +08:00 metaData: '{"orderSource":"direct-api-demo"}' orderAmount: "99.99" orderCurrency: USD paymentMethodOptions: '{"share":{"profitShare":true,"profitShareRate":"10","profitShareNotifyUrl":"https://developers.onerway.com/example-profit-callback"}}' paymentMode: WEB productType: CARD risk3dsStrategy: DEFAULT shippingInformation: '{"firstName":"Example","lastName":"Customer","email":"customer@example.com","country":"US","province":"CA"}' sign: replace_with_calculated_signature subProductType: DIRECT txnOrderMsg: '{"returnUrl":"https://developers.onerway.com/example-return","products":"[{\"name\":\"Demo product\",\"price\":\"99.99\",\"num\":\"1\",\"currency\":\"USD\"}]","transactionIp":"203.0.113.10","appId":"replace_with_app_id","javaEnabled":false,"colorDepth":"24","screenHeight":"1080","screenWidth":"1920","timeZoneOffset":"-480","accept":"text/html,application/xhtml+xml,application/xml;q=0.9,*/*;q=0.8","userAgent":"Mozilla/5.0 (Demo Browser)","contentLength":"0","language":"en-US","notifyUrl":"https://developers.onerway.com/example-notify"}' txnType: SALE responses: "200": description: 需要跳转 content: application/json: schema: type: object properties: respCode: type: string description: 响应码；`20000` 表示请求处理成功，其余为错误码。完整码表见[响应码](/zh/payments/api-reference/response-codes)。 respMsg: type: string description: 响应码对应的可读说明。 data: type: object properties: transactionId: type: - string - "null" description: Onerway 为本次交易生成的交易号，用于跟踪与查询。 x-onerway-value: nullable: true when: en: Returned `null` in the redirect response of a Google Pay `PAN_ONLY` token that still needs the CVC. zh: Google Pay `PAN_ONLY` token 需补 CVC 的跳转响应中为 `null`。 paymentId: type: - string - "null" description: 支付意图 ID，标识本次支付；当前一笔请求对应一个 `paymentId`，与 `transactionId` 一一对应。 x-onerway-value: nullable: true when: en: Returned `null` in the redirect response of a Google Pay `PAN_ONLY` token that still needs the CVC. zh: Google Pay `PAN_ONLY` token 需补 CVC 的跳转响应中为 `null`。 responseTime: type: - string - "null" description: 接口响应时间，格式 `yyyy-MM-dd HH:mm:ss`。 x-onerway-value: nullable: true empty: true when: en: Has a value after the transaction is processed. zh: 交易处理后才有值。 txnTime: type: - string - "null" description: 交易完成时间，格式 `yyyy-MM-dd HH:mm:ss`。 x-onerway-value: nullable: true empty: true when: en: Has a value after the transaction completes. zh: 交易完成后才有值。 txnTimeZone: type: - string - "null" description: 交易时区偏移量，格式 `±HH:mm`。 x-onerway-value: nullable: true empty: true when: en: Has a value after the transaction completes. zh: 交易完成后才有值。 orderAmount: type: string description: 原始订单金额，以交易币种计价；以十进制字符串返回，精度遵循提交的 `orderCurrency` 可接受的小数规则。 orderCurrency: type: string description: 下单币种，[ISO 4217](https://en.wikipedia.org/wiki/ISO_4217) 三位字母货币代码。 txnAmount: type: - string - "null" description: 旧版到账金额字段。 x-onerway-value: nullable: true empty: true when: en: Deprecated field; do not rely on this response value for the settlement amount. zh: 已弃用字段；不要依赖该响应值判断到账金额。 deprecated: true x-onerway-deprecated: description: en: Do not rely on this field for the settled amount. The actual settlement amount follows settlement batch details or reports. zh: 请勿依赖本字段判断到账金额。实际结算金额按结算批次结算，以对应批次的结算明细 / 结算报表为准。 txnCurrency: type: - string - "null" description: 旧版结算币种字段。 x-onerway-value: nullable: true empty: true when: en: Deprecated field; do not rely on this response value for the settlement currency. zh: 已弃用字段；不要依赖该响应值判断结算币种。 deprecated: true x-onerway-deprecated: description: en: Do not rely on this field for the settlement currency. The settlement currency follows the merchant settlement configuration agreed with Onerway. zh: 请勿依赖本字段判断结算币种。结算币种以商户与 Onerway 预先约定的结算配置为准。 status: type: string description: 当前交易处理状态。直连交易同步响应即可返回终态（`S` / `F`）或需跳转态（`R`）。 enum: - S - F - P - R - N - I - U x-enum-descriptions: S: 交易成功。 F: 交易失败。 P: 交易处理中。 R: 需要跳转以继续支付。 N: 交易已取消（含超时未支付关单）。 I: 交易审核或审批中。 U: 未支付，等待客户完成支付。 paymentStatus: type: string description: 支付意图级状态。当前本直连接口一笔请求对应一个支付意图，`paymentStatus` 与交易状态保持一致。 enum: - I - U - P - R - A - O - S - N x-enum-descriptions: I: 支付意图已初始化。 U: 支付意图待支付。 P: 支付意图处理中。 R: 支付意图需要跳转。 A: 支付意图已授权。 O: 支付意图仍打开。 S: 支付意图已成功。 N: 支付意图已关闭：超时未完成支付，包括下单后未支付关单与多次尝试均失败后关单。 redirectUrl: type: - string - "null" description: 跳转地址，可能是 3DS 验证页，也可能是本地支付方式的跳转页。 x-onerway-value: nullable: true empty: true when: en: Has a value when `status=R` and `actionType=RedirectURL`. zh: 当 `status=R` 且 `actionType=RedirectURL` 时才有值。 contractId: type: - string - "null" description: 订阅合约号，是完成后续扣款的关键参数。 x-onerway-value: nullable: true empty: true when: en: Has a value after the initial subscription succeeds, usually together with `tokenId`. zh: 初始订阅成功后才有值，通常与 `tokenId` 成对返回。 tokenId: type: - string - "null" description: 基于买家支付信息生成的支付 token。订阅 token 与卡 token 属不同体系、不可混用。 x-onerway-value: nullable: true empty: true when: en: Has a value after the initial subscription or card tokenization succeeds. zh: 初始订阅成功或生成卡 token 成功后才有值。 eci: type: - string - "null" description: 电子商务指示符（ECI），标识交易安全等级与责任转移。 x-onerway-value: nullable: true empty: true when: en: Has a value only for 3DS transactions. zh: 3DS 交易才有值。 periodValue: type: - string - "null" description: 分期付款期数。 x-onerway-value: nullable: true empty: true when: en: Has a value only for installment transactions. zh: 分期交易才有值。 codeForm: type: - string - "null" description: 支付码信息对象，以 JSON 字符串承载。 contentMediaType: application/json contentSchema: type: object properties: expireTime: type: - string - "null" description: 支付码失效时间，ISO 8601 格式。 x-onerway-value: nullable: true empty: true when: en: Provided when the code has an expiration time. zh: 支付码存在失效时间时提供。 codeDetails: type: - array - "null" description: 支付码明细列表。 items: type: object properties: codeValueType: type: - string - "null" description: 码格式类型。 enum: - BARCODE - QRCODE - null x-enum-descriptions: BARCODE: 条形码格式。 QRCODE: 二维码格式。 x-onerway-value: nullable: true empty: true when: en: Provided with each code detail. zh: 随码明细提供。 codeValue: type: - string - "null" description: 码内容值，供用户展示或终端扫描的实际编码数据。 x-onerway-value: nullable: true empty: true when: en: Provided with each code detail. zh: 随码明细提供。 displayType: type: - string - "null" description: 展示方式，决定码在 UI 中如何渲染。 enum: - TEXT - IMAGE - null x-enum-descriptions: TEXT: 以文本或可复制标签展示。 IMAGE: 以适合扫描的图片展示。 x-onerway-value: nullable: true empty: true when: en: Provided with each code detail. zh: 随码明细提供。 x-onerway-value: nullable: true empty: true when: en: Provided together with `codeForm` when code details are available. zh: 随 `codeForm` 返回且码明细可用时提供。 x-onerway-value: nullable: true empty: true when: en: Has a value when a QR code or barcode must be presented to the customer. zh: 需向用户展示支付码（二维码 / 条码）的支付方式才有值。 x-onerway-format: json_string presentContext: type: - string - "null" description: 供渲染支付界面元素的附加上下文，JSON 字符串。 x-onerway-value: nullable: true empty: true when: en: Has a value when `status=R` and `actionType=ShowContext`. zh: 当 `status=R` 且 `actionType=ShowContext` 时才有值。 actionType: type: - string - "null" description: 需执行的后续动作类型。 enum: - RedirectURL - QrCode - ShowContext - null x-enum-descriptions: RedirectURL: 跳转至支付网关、3DS 页面或本地支付方式页面。 QrCode: 展示 `codeForm` 承载的二维码或条码。 ShowContext: 展示 `presentContext` 承载的上下文信息。 x-onerway-value: nullable: true empty: true when: en: Has a value when `status=R` and the transaction requires an additional customer action. zh: 当 `status=R` 且交易需要额外动作时才有值。 subscriptionManageUrl: type: - string - "null" description: 订阅管理地址，买家可通过该地址查看和管理订阅。 x-onerway-value: nullable: true empty: true when: en: Has a value only in subscription scenarios. zh: 订阅场景才有值。 rrn: type: - string - "null" description: 收单参考号（Retrieval Reference Number，RRN），可用于对账与查询。 x-onerway-value: nullable: true empty: true when: en: Has a value after the transaction is accepted by the acquiring network. zh: 交易被收单网络受理后才有值。 authorizationCode: type: - string - "null" description: 发卡行授权码，可用于对账与争议处理。 x-onerway-value: nullable: true empty: true when: en: Has a value after issuer authorization is approved. zh: 发卡行授权通过后才有值。 cardInfo: type: - string - "null" description: 卡信息（脱敏）对象，在卡信息可用时返回。 contentMediaType: application/json contentSchema: type: object properties: {} x-onerway-value: nullable: true empty: true when: en: Has a value for card transactions after masked card details are available. zh: 卡类交易在脱敏卡信息可用后才有值。 x-onerway-format: json_string sign: type: string description: 响应签名字符串；当前不建议商户对响应验签。 description: 直连交易响应的业务数据对象。同步响应即可返回终态，也可能要求商户跳转或展示后续动作。 examples: redirect-required: summary: 需要跳转 value: respCode: "20000" respMsg: Success data: transactionId: "2064485863093829632" paymentId: "2064485863068663808" responseTime: 2026-06-14 10:30:02 txnTime: null txnTimeZone: null orderAmount: "99.99" orderCurrency: USD txnAmount: "" txnCurrency: null status: R paymentStatus: R redirectUrl: https://developers.onerway.com/example-direct-redirect contractId: null tokenId: null eci: null periodValue: null codeForm: null presentContext: null actionType: RedirectURL subscriptionManageUrl: null rrn: null authorizationCode: null cardInfo: null sign: "{{SIGN}}" google-pay-pan-only-redirect: summary: Google Pay PAN_ONLY token，跳转 Onerway 页面采集 CVC value: respCode: "20000" respMsg: Success data: transactionId: null paymentId: null responseTime: null txnTime: null txnTimeZone: null orderAmount: "99.99" orderCurrency: USD txnAmount: "" txnCurrency: null status: R paymentStatus: R redirectUrl: https://developers.onerway.com/example-google-pay-cvv contractId: null tokenId: null eci: null periodValue: null codeForm: null presentContext: null actionType: RedirectURL subscriptionManageUrl: null rrn: null authorizationCode: null cardInfo: null sign: "{{SIGN}}" ```