创建付款 V2

直连创建付款 V2。

路径：POST /v2/acquiring/payment/createPayment

鉴权：与 V1 相同（OpenApiCode.createAcquiringPayment）

请求头：requestNo、timestamp、partnerId、Authorization

V1 POST /v1/acquiring/payment/createPayment 仍可用但已废弃，建议新接入使用本接口

与 V1 字段映射

V2	V1
payerInfo	customer
deviceInfo	deviceData（ipAddress≈clientIp，origin/channel 同 V1）
billingInfo	billingAddress（country 为两位码，地址为 address1/2）
shippingInfo	order.shippingAddress
transactionInfo.products	order.products
transactionInfo.returnUrl	returnUrl
paymentInfo.paymentMethodCode	paymentMethodDetail.type
paymentInfo.card 等	paymentMethodDetail 子对象

请求参数

Header 参数

Body 参数application/json必填

示例

{
  "schemaVersion": "2.0",
  "userId": "11",
  "acquiringShopId": "29",
  "amount": 328.56,
  "currency": "USD",
  "merTradeNo": "ORDER-20260519-001",
  "captureType": "Automatic",
  "billingInfo": {
    "firstName": "San",
    "lastName": "Zhang",
    "email": "payer@example.com",
    "phone": "+86 13800138000",
    "country": "CN",
    "state": "Guangdong",
    "city": "Shenzhen",
    "address1": "Nanshan District",
    "address2": "Tech Park",
    "postalCode": "518000"
  },
  "shippingInfo": {
    "firstName": "San",
    "lastName": "Zhang",
    "phone": "+86 13800138000",
    "country": "CN",
    "state": "Guangdong",
    "city": "Shenzhen",
    "address1": "Nanshan District",
    "postalCode": "518000"
  },
  "payerInfo": {
    "fullName": "Zhang San",
    "email": "payer@example.com",
    "phone": "+86 13800138000",
    "country": "CN",
    "ipAddress": "203.0.113.10"
  },
  "paymentInfo": {
    "paymentMethodCode": "card_visa",
    "card": {
      "encryptedCardNumber": "<AES加密卡号>",
      "encryptedExpiryMonth": "<AES加密月份>",
      "encryptedExpiryYear": "<AES加密年份>",
      "encryptedCvc": "<AES加密CVC>",
      "holderName": "Zhang San",
      "brand": "visa"
    }
  },
  "transactionInfo": {
    "reference": "REF-001",
    "description": "Order memo",
    "returnUrl": "https://merchant.example.com/payment/return",
    "language": "zh-CN",
    "products": [
      {
        "name": "Product A",
        "unitPrice": 328.56,
        "quantity": 1
      }
    ]
  },
  "threeDSInfo": {
    "threeDSVersion": "2.2.0",
    "eci": "05"
  },
  "deviceInfo": {
    "ipAddress": "203.0.113.10",
    "browserUserAgentHeader": "Mozilla/5.0 (Windows NT 10.0; Win64; x64) AppleWebKit/537.36",
    "browserAcceptHeader": "text/html,application/xhtml+xml",
    "browserLanguage": "zh-CN",
    "browserScreenHeight": 1080,
    "browserScreenWidth": 1920,
    "browserTimeZone": -480,
    "origin": "https://merchant.example.com/checkout",
    "channel": "Web"
  }
}

返回响应

🟢200成功

application/json

与 V1 POST /v1/acquiring/payment/createPayment 响应结构一致

Bodyapplication/json

示例

{
    "userId": "string",
    "tradeId": "string",
    "merTradeNo": "string",
    "action": {
        "actionType": "string",
        "paymentMethodType": "string"
    },
    "riskResult": "Y"
}