纯API支付DDC申请

• Endpoint: POST /aggregate-pay/api/gateway/applyDDC
• Tags: 收单

Description

API模式接入的商户追求极致的用户体验，减少支付流程耗时，降低用户3DS认证放弃率。 在卡号收集阶段，静默调用此接口完成设备信息采集。

Parameters

Field	In	Type	Required	Constraints	Description
Content-Type	header	string	Yes
sign	header	string	Yes		签名信息请参考技术文档

Parameter Examples

• Content-Type: "application/json"
• sign: "FPFVT3o227JrFRbqu19boZCpVVTF9KznxyRawUmxpfXilHV/0yK46haPhAjNu1hPUMy7Vw/ILXhfzffNm4Fj0apWknlTY9OJxnSoQxS9BTFtc61tn5yV1q69x/kkBl82/qwg+XTJ4fOzy7Mar3VaC1E2PlDA6RkkKBUyNE6RYgsdB+Su7an4+4HVTNAnoe74WyvBgxTLMNg28igBTdqxaO3w/UBY6ObVp7vkqkQGdL1Y+HgmMYaAVwrM3+ALWGId0sJ+YqTY4WJ+0xCRGhaSnybiIjZsQEYyID68WNUfuavDLDsEhaMm/HfQvf5p0R1Ltovp3wwJnEbQcjY458iX5A=="

Request Body

Content-Type: application/json

Field	Type	Required	Constraints	Description	Enum
version	string	Yes	maxLength: 8	接口版本 当前值为：1.6
keyVersion	string	Yes	maxLength: 8	密钥版本 当前值为：1
requestTime	string	Yes	maxLength: 32	请求时间，符合rfc3339规范，格式：yyyy-MM-dd'T'HH:mm:ss.SSSXXX 时间需要在当前时间两分钟内
appId	string	Yes	maxLength: 64	商户应用Id，PayerMax分配给商户应用的唯一标识
merchantNo	string	No	maxLength: 32	商户号，商户与PayerMax业务签约时生成的唯一标识
data	object	Yes		请求数据体
data.paymentMethodType	string	Yes		支付方式类型，枚举值：CARD、GOOGLEPAY
data.paymentAmount	number	Yes		交易金额，金额的单位为元。换汇场景使用换汇后的金额
data.paymentCurrency	string	Yes	maxLength: 3	交易币种，大写字母。换汇场景使用换汇后的币种
data.userId	string	Yes	maxLength: 64	商户内部的用户Id，需要保证每个ID唯一性。
data.cardIdentifierNo	string	No	maxLength: 19	卡号，明文卡号或GOOGLEPAY解密出来的卡号。和paymentTokenID二选一
data.paymentTokenID	string	No	maxLength: 64	PMMax token ID，授权成功后支付。和cardIdentifierNo二选一

Example: 1

卡支付

{
  "version": "1.6",
  "keyVersion": "1",
  "requestTime": "2025-01-21T09:23:06.473+00:00",
  "appId": "6666c8b036a24579974497c2f9800001",
  "merchantNo": "020213834421284",
  "data": {
    "userId": "userId001",
    "paymentMethodType": "CARD",
    "cardIdentifierNo": "4001563861135570",
    "paymentAmount": 10,
    "paymentCurrency": "USD"
  }
}

Example: 2

googlePay

{
  "version": "1.6",
  "keyVersion": "1",
  "requestTime": "2025-01-21T09:23:06.473+00:00",
  "appId": "6666c8b036a24579974497c2f9800001",
  "merchantNo": "020213834421284",
  "data": {
    "userId": "userId001",
    "paymentMethodType": "GOOGLEPAY",
    "cardIdentifierNo": "4001563861135570",
    "paymentAmount": 10,
    "paymentCurrency": "USD"
  }
}

Example: 3

token支付

{
  "version": "1.6",
  "keyVersion": "1",
  "requestTime": "2025-01-21T09:23:06.473+00:00",
  "appId": "6666c8b036a24579974497c2f9800001",
  "merchantNo": "020213834421284",
  "data": {
    "userId": "userId001",
    "paymentMethodType": "CARD",
    "paymentTokenID": "PMTOKEN20221219180857314399806051234",
    "paymentAmount": 10,
    "paymentCurrency": "USD"
  }
}

Responses

200

Field	Type	Required	Constraints	Description	Enum
code	string	Yes		返回码，’APPLY_SUCCESS’代表成功。只代表接口请求成功，不代表订单状态。
msg	string	Yes		返回描述，’Success.’。只代表接口请求成功，不代表订单状态。
data	object	No		返回数据体
data.ddcSessionId	string	No	maxLength: 128	接口orderAndPay时需要携带此字段
data.ddcUrl	string	No	maxLength: 1024	加载ddc的地址，商户客户端在隐藏iframe中加载此url

Response Example: 1

成功示例

{
  "code": "APPLY_SUCCESS",
  "msg": " Success.",
  "data": {
    "ddcSessionId": "bb7dd71d-cf8b-4c77-9503-d7c14ba4e199",
    "ddcUrl": "https://channel.payermax.com/in-pay-channel/c/common/redirect2PaymentChannel/cyberSource?channelOrderNo=z2%2FuOvPnbJnx35Ojtds5JvCyoeFBhRlMVyFxS4%2FNFt4%3D"
  }
}

Response Example: 2

成功—不需要DDC

{
  "code": "APPLY_SUCCESS",
  "msg": "No need DDC, please continue to pay."
}

Response Example: 3

失败—支付方式不支持/无渠道可用

{
  "code": "PAYMENT_METHOD_NOT_EXIST",
  "msg": "The payment method does not exist."
}