风控准实时消息推送

• Endpoint: POST /riskResultNotifyUrl
• Tags: 风控

Description

交易完成后，PayerMax 会把支付相关的风控信息通过数据流的形式发送给商户，商户需要接收处理，并按文档规范返回应答。 提示：该地址无需商户主动请求，以下request.body为payermax对订单的回调内容，商户收到回调后需要响应

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
code	string	Yes	maxLength: 32	返回码，'APPLY_SUCCESS'代表成功
msg	string	Yes	maxLength: 256	返回描述，'Success.'
keyVersion	string	Yes	maxLength: 8	密钥版本。当前值为：1
appId	string	Yes	maxLength: 64	商户app id
merchantNo	string	No	maxLength: 15	商户Id
notifyTime	string	Yes	maxLength: 32	通知时间，符合rfc3339规范，格式：yyyy-MM-dd'T'HH:mm:ss.SSSXXX
notifyType	string	Yes	maxLength: 16	通知类型 RISK
data	object	Yes
data.outTradeNo	string	Yes	maxLength: 64	商户订单号
data.tradeToken	string	Yes	maxLength: 64	PayerMax交易流水号
data.paymentDetails	array[object]	No		支付信息
data.paymentDetails[].payStatus	string	Yes		支付状态：PENDING- 待 支 付 ，PAY_SUCCESS- 支 付 成功，PAY_FAIL-支付 失败
data.paymentDetails[].fingerPrint	string	Yes	maxLength: 32	设备标识
data.paymentDetails[].cardToken	string	Yes	maxLength: 64	支付账户标识
data.paymentDetails[].ua	string	Yes		支 付 完 成 后 的 useragent
data.paymentDetails[].ip	string	Yes	maxLength: 3	用户IP
data.paymentDetails[].payAmount	string	Yes		支付金额
data.paymentDetails[].payCurrency	string	Yes		支付币种
data.paymentDetails[].openId	string	Yes		openId
data.paymentDetails[].paymentMethod	string	Yes		新架构 支付方式
data.paymentDetails[].paymentTypeCode	string	Yes		老架构 支付方式
data.paymentDetails[].cardType	string	Yes		卡类型
data.paymentDetails[].cardOrg	string	Yes		卡组
data.paymentDetails[].cardBinIssueOrg	string	Yes		发卡行
data.paymentDetails[].cardBinCountryName	string	Yes		发卡行国家
data.paymentDetails[].cardBin	string	Yes		卡 bin
data.paymentDetails[].eci	string	Yes		ECI
data.paymentDetails[].do3ds	string	No		是否3DS认证：YES-是，NO-否
data.paymentDetails[].authResult	string	No		3DS认证结果：PASS-通过，NOT PASS-未通过
data.paymentDetails[].riskReason	string	No		风控失败原因分类
data.paymentDetails[].riskReasonGuide	string	No		风控失败原因引导说明
data.paymentDetails[].userID	string	Yes		用户ID
data.paymentDetails[].frictionType3DS	string	No		3DS有无摩擦：Y-有摩擦，无摩擦或不出3D时则为空字符串
data.paymentDetails[].cardStart6End4	string	No		卡的前六后四位，中间掩码形式
data.paymentDetails[].cardExpiryDate	string	No		卡过期时间

Example

{
  "code": "APPLY_SUCCESS",
  "msg": "Success.",
  "keyVersion": "1",
  "appId": "7538be94f250404d848b9d6d6db01da8",
  "merchantNo": "P01010114360883",
  "notifyTime": "2023-02-21T07:07:02.857Z",
  "notifyType": "RISK",
  "data": {
    "outTradeNo": "Rtest20221230000031",
    "tradeToken": "TOKEN202302210001906253",
    "paymentDetails": [
      {
        "cardToken": "t621dc350e4b0e90a1cc30c12_400555****0001",
        "fingerPrint": "49a3648741affeb04143b08df47923a6",
        "ip": "159.138.88.145",
        "payAmount": "10000.00",
        "payCurrency": "IDR",
        "payStatus": "PAY_FAIL",
        "ua": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/109.0.0.0 Safari/537.36",
        "openId": "210220900020037675121",
        "paymentMethod": "CARD",
        "paymentTypeCode": "A34",
        "cardType": "DEBIT",
        "cardOrg": "VISA",
        "cardBinIssueOrg": "BANKMUSCAT (SAOG)",
        "cardBinCountryName": "OMAN",
        "cardBin": "483791",
        "eci": "",
        "do3ds": "",
        "authResult": "",
        "riskReason": "single payment decline",
        "riskReasonGuide": "high risk card,need change card and try again",
        "userID": "228590310",
        "frictionType3DS": "",
        "cardStart6End4": "400555****0001",
        "cardExpiryDate": "2025/03"
      },
      {
        "cardToken": "t621dc350e4b0e90a1cc30c12_400555****0001",
        "fingerPrint": "49a3648741affeb04143b08df47923a6",
        "ip": "140.206.135.50",
        "payAmount": "10000.00",
        "payCurrency": "IDR",
        "payStatus": "PAY_SUCCESS",
        "ua": "Mozilla/5.0 (Macintosh; Intel Mac OS X 10_15_7) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/109.0.0.0 Safari/537.36",
        "openId": "210220900020037675121",
        "paymentMethod": "CARD",
        "paymentTypeCode": "A34",
        "cardType": "DEBIT",
        "cardOrg": "VISA",
        "cardBinIssueOrg": "BANKMUSCAT (SAOG)",
        "cardBinCountryName": "OMAN",
        "cardBin": "483791",
        "eci": "05",
        "do3ds": "YES",
        "authResult": "PASS",
        "riskReason": "",
        "riskReasonGuide": "",
        "userID": "228590310",
        "frictionType3DS": "Y",
        "cardStart6End4": "400555****0001",
        "cardExpiryDate": "2025/03"
      }
    ]
  }
}

Responses

200

Field	Type	Required	Constraints	Description	Enum
code	string	Yes		仅可响应 ‘SUCCESS’(代表成功收到通知)
msg	string	Yes		响应 ‘Success’(代表成功收到通知)

Response Example

{
  "code": "SUCCESS",
  "msg": "Success"
}