1. 8.1 商户进件类
3ypay产品接口文档
  • 1.总体介绍
    • 1.1 阅读人员
    • 1.2 名词解释
    • 1.3 调试工具说明
  • 2.接口规范
    • 2.1 接口格式定义
    • 2.2 加签验签说明
    • 2.3 参数说明
    • 2.5 内部测试版sdk
  • 3.统一交易类
    • 3.1 统一交易类指引
      • 3.1.1【微信】 扫码交易指引
      • 3.1.3【微信】小程序交易指引
      • 3.1.4【微信】JSAPI交易指引
      • 3.1.5【微信】APP交易指引
      • 3.1.6【微信】H5交易指引
      • 3.1.7【微信】资金管控业务说明
      • 3.1.8【抖音】APP交易指引
      • 3.1.9【抖音】H5交易指引
    • 3.2 统一交易类接口
      • 3.2.1 统一支付接口
      • 3.2.2 统一交易查询
      • 3.2.3 统一交易通知
      • 3.2.4 统一退款接口
      • 3.2.5 统一退款查询
      • 3.2.6 统一退款通知
  • 4.支付宝产品类
    • 4.1 安全发接口
      • 4.1.1 安全发指引
      • 4.1.2 安全发API接口
        • 4.1.2.1 单笔转账接口
        • 4.1.2.2 单笔转账查询
        • 4.1.2.3 转账异步通知
        • 4.1.2.4 转账回单申请
        • 4.1.2.5 转账回单下载
    • 4.2 直付通接口
      • 4.2.1 直付通指引
      • 4.2.2 直付通API接口
        • 4.2.2.1 统一支付接口
        • 4.2.2.2 统一交易查询
        • 4.2.2.3 统一交易通知
        • 4.2.2.4 统一交易退款
        • 4.2.2.5 统一退款查询
        • 4.2.2.6 统一退款通知
      • 4.2.3 支付宝商家转账（定制）
        • 4.2.3.1 支付宝商家转账
  • 5.订单分账类
    • 5.1 订单分账指引
      • 5.1.1 控台分账指引
        • 5.1.1.1 控台自动分账指引
        • 5.1.1.2 控台手动分账指引
      • 5.1.2 接口分账指引
    • 5.2 订单分账接口
      • 5.2.1 请求分账
      • 5.2.2 分账查询
      • 5.2.3 分账完结
      • 5.2.4 分账退款
      • 5.2.5 分账退款查询
      • 5.2.6 分账结果通知
      • 5.2.7 分账退款通知
  • 6.余额分账类
    • 6.1 余额分账指引
    • 6.2 余额分账接口
      • 6.2.1 余额分账申请
      • 6.2.2 余额分账查询
      • 6.2.3 余额分账退款
      • 6.2.4 余额退款查询
      • 6.2.5 余额分账异步通知
      • 6.2.6 余额退款异步通知
  • 7.风控管理类
    • 7.1 投诉管理类
    • 7.2 风险管理类
  • 8.商户管理类
    • 8.1 商户进件类
      • 8.1.1 进件文件上传
        POST
      • 8.1.2 商户入网申请
        POST
      • 8.1.3 商户入网信息查询
        POST
      • 8.1.4 商户结算信息变更
        POST
      • 8.1.5 商户产品信息变更
        POST
      • 8.1.6 商户信息变更查询
        POST
      • 8.1.7 进件状态通知
        POST
      • 8.1.8 变更状态通知
        POST
    • 8.2 微信支付宝管理类
      • 8.2.1 商户AUT报备查询
      • 8.2.2 微信支付配置
      • 8.2.3 微信支付配置查询
      • 8.2.4 商户AUT拆分
    • 8.3 分账接收方管理类
      • 分账接收方录入
      • 分账接收方查询
      • 分账接收方变更
      • 分账变更查询
      • 分账关系绑定
      • 分账关系解绑
      • 分账关系更新
      • 分账关系查询
      • 入网报备通知
      • 结算变更通知
  • 9. 先享后付类
    • 9.1 微信支付分
    • 9.2 支付宝先享后付
  • 10.账户管理类
    • 10.1.分账提现管理类
      • 10.1.1 分账提现申请
      • 10.1.2 分账提现查询
      • 10.1.3 提现结果通知
  • 产品手册
    • AI智能路由指引-内测
    • 商户控台操作手册
    • AT投诉渠道配置
      • 微信投诉风险渠道配置
    • AT风险处理指引
      • 微信风控处理指引
    • 抖音支付申请指引
      • 抖音支付合作商家政策
      • 抖音支付申请材料
    • 支付宝可信商户报备
      • 可信降打扰权益服务介绍
      • 商户可信降打扰（存量客户）
      • 准入可信降打扰（新增客户）
    • 分账相关指引
      • 分账订阅-商户使用指引
  • 回收站
  • 数据模型
    • 公共请求参数
    • 公共返回参数
    • 公共响应结构
    • 商户入网材料
    • 业务请求参数
    • 营业执照信息
    • 文件上传请求
    • 法人证件信息
    • 商户入网请求
    • 结算卡信息
    • 进件标识查询请求
    • 入网查询请求
    • 结算卡变更请求
    • 产品变更请求
    • 结算卡更新信息
    • 变更查询请求
    • AUT查询请求
    • 分账关系绑定请求
    • AUT微信配置请求
    • 分账关系解绑请求
    • AUT配置详情查询请求
    • 分账关系更新请求
    • 微信支付配置响应
    • 分账关系查询请求
    • 授权目录配置状态
    • 商户入网响应
    • AppId配置状态
    • 商户变更响应
    • AUT拆分请求
    • 变更审核状态响应
    • 商户基本信息
    • 分账关系响应
    • 人员证件信息
    • 余额分账申请请求
    • 商户营业执照信息
    • 余额分账明细请求
    • 商户经营信息
    • 分账查询请求
    • 经营场景信息
    • 分账退款申请请求
    • 经营资质信息
    • 分账退款明细请求
    • 商户结算卡信息
    • 分账退款查询请求
    • 对公卡信息
    • 余额分账响应
    • 签约信息
    • 分账明细响应
    • 产品开通信息
    • 余额分账退款响应
    • 产品配置详情
    • 分账退款明细响应
    • AUT查询响应
    • 提现申请请求
    • 异步通知响应结构
    • 提现查询请求
    • 进件状态通知数据
    • 提现响应数据
    • 变更状态通知数据
    • 入网报备通知数据
    • 余额分账通知数据
    • 分账明细通知
    • 余额退款通知数据
    • 提现通知数据
    • 退款明细通知
  1. 8.1 商户进件类

8.1.2 商户入网申请

正式环境
https://openapi.3ypay.com
正式环境
https://openapi.3ypay.com
POST
/mchAccess/mch/access
创建商户进件申请,支持新商户注册+进件(source=1)和存量商户进件(source=0)。
业务规则:
暂未开放代理商入网进件
mchAccessNo为商户自定义唯一标识
入网审核流程:1=草稿→2=自动初审→3=人工审核→4=渠道审核→5=渠道签约→6=业务配置→7=审核完成(99=审核驳回)

请求参数

Body 参数application/json必填

示例
{
    "appId": "APP20250101001",
    "version": "1.0",
    "timestamp": 1700000000000,
    "requestId": "REQ20250101001",
    "sign": "base64encodedSignature==",
    "signType": "RSA2",
    "subSn": "SUB000001",
    "charset": "UTF-8",
    "bizContent": {
        "mchAccessNo": "MCH20250101001",
        "accessSn": "AS000001",
        "providerCode": "SP001",
        "channelCode": "easypay",
        "source": 0,
        "notifyUrl": "https://your-domain.com/callback/access",
        "mchInfo": {
            "type": 1,
            "contactType": 0,
            "controllerType": 0,
            "mchLegal": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchLicense": {
                "companyType": "COMPANY_01",
                "licenseType": "LICENSE_01",
                "licenseName": "北京某某科技有限公司",
                "licenseCode": "91110000MA0000000X",
                "licenseValidityType": 0,
                "licenseBeginDate": "2020-01-01",
                "licenseEndDate": "2030-01-01",
                "provinceCode": "110000",
                "cityCode": "110100",
                "areaCode": "110101",
                "licenseAddress": "北京市东城区某某街道XX号XX室",
                "registrationDate": "2018-06-01",
                "registeredCapital": 1000000,
                "businessScope": "互联网信息服务;软件开发;技术咨询",
                "licenseUrl": "https://oss.3ypay.com/license/abc123.jpg"
            },
            "mchContact": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchController": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchBenefitList": [
                {
                    "certType": "CERT_01",
                    "name": "张三",
                    "certNo": "110101199001011234",
                    "certValidityType": 0,
                    "certBeginDate": "2020-01-01",
                    "certEndDate": "2030-01-01",
                    "phone": "13800138000",
                    "address": "北京市朝阳区建国路XX号",
                    "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                    "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                    "otherValue": "zhangsan@example.com",
                    "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
                }
            ],
            "mchShareholderList": [
                {
                    "certType": "CERT_01",
                    "name": "张三",
                    "certNo": "110101199001011234",
                    "certValidityType": 0,
                    "certBeginDate": "2020-01-01",
                    "certEndDate": "2030-01-01",
                    "phone": "13800138000",
                    "address": "北京市朝阳区建国路XX号",
                    "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                    "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                    "otherValue": "zhangsan@example.com",
                    "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
                }
            ]
        },
        "mchBusiness": {
            "sceneType": 1,
            "shortName": "某某超市",
            "mcc": "5411",
            "alipayMcc": "string",
            "wechatMcc": "string",
            "servicePhone": "010-12345678",
            "provinceCode": "110000",
            "cityCode": "110100",
            "areaCode": "110101",
            "address": "北京市东城区某某街道XX号",
            "mchSceneList": [
                {
                    "type": 1,
                    "subType": 0,
                    "name": "微信小程序",
                    "appId": "wx1234567890abcdef",
                    "authUrl": "string",
                    "desc": "某某品牌官方微信小程序",
                    "icp": "京ICP备12345678号",
                    "fileUrls": [
                        "string"
                    ]
                }
            ],
            "businessLicenses": [
                {
                    "name": "食品经营许可证",
                    "licenseValidityType": 0,
                    "licenseBeginDate": "2022-01-01",
                    "licenseEndDate": "string",
                    "licenseUrl": "string"
                }
            ],
            "storeHeaderUrl": "https://oss.3ypay.com/store/header/abc123.jpg",
            "storeCashierDeskUrl": "https://oss.3ypay.com/store/cashier/abc124.jpg",
            "storeIndoorUrl": "https://oss.3ypay.com/store/indoor/abc125.jpg",
            "fileUrls": [
                "string"
            ]
        },
        "mchCard": {
            "type": 0,
            "name": "北京某某科技有限公司",
            "cardNo": "6221001234567890",
            "provinceCode": "110000",
            "cityCode": "110100",
            "bankCode": "ICBC",
            "branchCode": "102100099996",
            "cardPhone": "string",
            "certType": "string",
            "certNo": "string",
            "certValidityType": 0,
            "certBeginDate": "string",
            "certEndDate": "string",
            "officialCert": {
                "officialName": "北京某某科技有限公司",
                "officialCardNo": "1100001234567890",
                "officialProvinceCode": "110000",
                "officialCityCode": "110100",
                "officialBankCode": "ICBC",
                "officialBranchCode": "102100099996"
            },
            "signInfo": {
                "type": 1,
                "fileUrl": "string"
            },
            "settleCardFrontUrl": "string",
            "settleCardBackUrl": "string",
            "licenseUrl": "string",
            "authUrl": "string",
            "settleCertFrontUrl": "string",
            "settleCertBackUrl": "string",
            "holAuthUrl": "string",
            "holBankCardUrl": "string",
            "fileUrls": [
                "string"
            ]
        },
        "products": {
            "billType": 1,
            "feeInfoType": 1,
            "productCodes": [
                "WECHAT_PAY",
                "ALIPAY",
                "UNION_PAY"
            ],
            "zfbChannelNo": "2088000000000000",
            "zfbChannelName": "string",
            "wxChannelNo": "1000000001",
            "wxChannelName": "string",
            "feeInfos": [
                {
                    "feeId": 1001,
                    "feeType": "TRADE",
                    "payWayCode": "WECHAT_JSAPI",
                    "payWayName": "string",
                    "fixedRate": 0.1,
                    "rateBase": 6,
                    "minRate": 0.01,
                    "maxRate": 200,
                    "startAmt": 0,
                    "endAmt": 0,
                    "stepsFee": [
                        {}
                    ]
                }
            ]
        }
    }
}

请求示例代码

Shell
JavaScript
Java
Swift
Go
PHP
Python
HTTP
C
C#
Objective-C
Ruby
OCaml
Dart
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请求示例请求示例
Shell
JavaScript
Java
Swift
curl --location 'https://openapi.3ypay.com/mchAccess/mch/access' \
--header 'Content-Type: application/json' \
--data-raw '{
    "appId": "APP20250101001",
    "version": "1.0",
    "timestamp": 1700000000000,
    "requestId": "REQ20250101001",
    "sign": "base64encodedSignature==",
    "signType": "RSA2",
    "subSn": "SUB000001",
    "charset": "UTF-8",
    "bizContent": {
        "mchAccessNo": "MCH20250101001",
        "accessSn": "AS000001",
        "providerCode": "SP001",
        "channelCode": "easypay",
        "source": 0,
        "notifyUrl": "https://your-domain.com/callback/access",
        "mchInfo": {
            "type": 1,
            "contactType": 0,
            "controllerType": 0,
            "mchLegal": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchLicense": {
                "companyType": "COMPANY_01",
                "licenseType": "LICENSE_01",
                "licenseName": "北京某某科技有限公司",
                "licenseCode": "91110000MA0000000X",
                "licenseValidityType": 0,
                "licenseBeginDate": "2020-01-01",
                "licenseEndDate": "2030-01-01",
                "provinceCode": "110000",
                "cityCode": "110100",
                "areaCode": "110101",
                "licenseAddress": "北京市东城区某某街道XX号XX室",
                "registrationDate": "2018-06-01",
                "registeredCapital": 1000000,
                "businessScope": "互联网信息服务;软件开发;技术咨询",
                "licenseUrl": "https://oss.3ypay.com/license/abc123.jpg"
            },
            "mchContact": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchController": {
                "certType": "CERT_01",
                "name": "张三",
                "certNo": "110101199001011234",
                "certValidityType": 0,
                "certBeginDate": "2020-01-01",
                "certEndDate": "2030-01-01",
                "phone": "13800138000",
                "address": "北京市朝阳区建国路XX号",
                "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                "otherValue": "zhangsan@example.com",
                "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
            },
            "mchBenefitList": [
                {
                    "certType": "CERT_01",
                    "name": "张三",
                    "certNo": "110101199001011234",
                    "certValidityType": 0,
                    "certBeginDate": "2020-01-01",
                    "certEndDate": "2030-01-01",
                    "phone": "13800138000",
                    "address": "北京市朝阳区建国路XX号",
                    "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                    "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                    "otherValue": "zhangsan@example.com",
                    "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
                }
            ],
            "mchShareholderList": [
                {
                    "certType": "CERT_01",
                    "name": "张三",
                    "certNo": "110101199001011234",
                    "certValidityType": 0,
                    "certBeginDate": "2020-01-01",
                    "certEndDate": "2030-01-01",
                    "phone": "13800138000",
                    "address": "北京市朝阳区建国路XX号",
                    "certFrontUrl": "https://oss.3ypay.com/cert/front/abc123.jpg",
                    "certBackUrl": "https://oss.3ypay.com/cert/back/abc124.jpg",
                    "otherValue": "zhangsan@example.com",
                    "holCertUrl": "https://oss.3ypay.com/cert/hol/abc125.jpg"
                }
            ]
        },
        "mchBusiness": {
            "sceneType": 1,
            "shortName": "某某超市",
            "mcc": "5411",
            "alipayMcc": "string",
            "wechatMcc": "string",
            "servicePhone": "010-12345678",
            "provinceCode": "110000",
            "cityCode": "110100",
            "areaCode": "110101",
            "address": "北京市东城区某某街道XX号",
            "mchSceneList": [
                {
                    "type": 1,
                    "subType": 0,
                    "name": "微信小程序",
                    "appId": "wx1234567890abcdef",
                    "authUrl": "string",
                    "desc": "某某品牌官方微信小程序",
                    "icp": "京ICP备12345678号",
                    "fileUrls": [
                        "string"
                    ]
                }
            ],
            "businessLicenses": [
                {
                    "name": "食品经营许可证",
                    "licenseValidityType": 0,
                    "licenseBeginDate": "2022-01-01",
                    "licenseEndDate": "string",
                    "licenseUrl": "string"
                }
            ],
            "storeHeaderUrl": "https://oss.3ypay.com/store/header/abc123.jpg",
            "storeCashierDeskUrl": "https://oss.3ypay.com/store/cashier/abc124.jpg",
            "storeIndoorUrl": "https://oss.3ypay.com/store/indoor/abc125.jpg",
            "fileUrls": [
                "string"
            ]
        },
        "mchCard": {
            "type": 0,
            "name": "北京某某科技有限公司",
            "cardNo": "6221001234567890",
            "provinceCode": "110000",
            "cityCode": "110100",
            "bankCode": "ICBC",
            "branchCode": "102100099996",
            "cardPhone": "string",
            "certType": "string",
            "certNo": "string",
            "certValidityType": 0,
            "certBeginDate": "string",
            "certEndDate": "string",
            "officialCert": {
                "officialName": "北京某某科技有限公司",
                "officialCardNo": "1100001234567890",
                "officialProvinceCode": "110000",
                "officialCityCode": "110100",
                "officialBankCode": "ICBC",
                "officialBranchCode": "102100099996"
            },
            "signInfo": {
                "type": 1,
                "fileUrl": "string"
            },
            "settleCardFrontUrl": "string",
            "settleCardBackUrl": "string",
            "licenseUrl": "string",
            "authUrl": "string",
            "settleCertFrontUrl": "string",
            "settleCertBackUrl": "string",
            "holAuthUrl": "string",
            "holBankCardUrl": "string",
            "fileUrls": [
                "string"
            ]
        },
        "products": {
            "billType": 1,
            "feeInfoType": 1,
            "productCodes": [
                "WECHAT_PAY",
                "ALIPAY",
                "UNION_PAY"
            ],
            "zfbChannelNo": "2088000000000000",
            "zfbChannelName": "string",
            "wxChannelNo": "1000000001",
            "wxChannelName": "string",
            "feeInfos": [
                {
                    "feeId": 1001,
                    "feeType": "TRADE",
                    "payWayCode": "WECHAT_JSAPI",
                    "payWayName": "string",
                    "fixedRate": 0.1,
                    "rateBase": 6,
                    "minRate": 0.01,
                    "maxRate": 200,
                    "startAmt": 0,
                    "endAmt": 0,
                    "stepsFee": [
                        {}
                    ]
                }
            ]
        }
    }
}'

返回响应

🟢200
application/json
进件申请提交成功
Bodyapplication/json

示例
{
    "code": 200,
    "msg": "请求成功",
    "data": "{\"requestId\":\"PLAT20250101001\",\"accessSn\":\"AS000001\",\"mchAccessNo\":\"MCH20250101001\",\"status\":2}"
}
🟠403
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