分账接收方录入 - 3ypay产品接口文档

提交非收单商户的入网申请，将分账接收方商户信息报备至支付渠道。

调用前提： 接入方需提前获取平台分配的 appId，并完成 RSA2 密钥配置；商户应用通道编码（appChannelSn）由平台在开通应用通道后分配。

业务规则：

mchFundSn 为商户自定义进件单号，需全局唯一，用于后续查询和变更

type=2（企业）时，mchLicense（营业执照信息）为必填

type=1（个人）时，mchLicense 可不填

入网申请为异步流程，提交后需通过「商户入网查询」接口轮询 reportStatus 确认最终状态

报备完成后（reportStatus=3）方可进行分账关系绑定

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",
    "charset": "UTF-8",
    "bizContent": {
        "mchFundSn": "MCH_FUND_20250101001",
        "sn": "MCH20250101001",
        "appChannelSn": "AC20250101001",
        "accountType": "order",
        "type": 1,
        "shortName": "测试商户",
        "remark": "个人分账接收方入网",
        "notifyUrl": "https://example.com/notify",
        "mchCert": {
            "certName": "张三",
            "certCardId": "110101199001011234",
            "certFrontUrl": "https://oss.example.com/cert_front.jpg",
            "certBackUrl": "https://oss.example.com/cert_back.jpg",
            "certValidityType": 0,
            "certBeginDate": "2020-01-01",
            "certEndDate": "2030-01-01",
            "certPhone": "13800138000",
            "certEmail": "zhangsan@example.com",
            "certAddress": "北京市东城区XX路XX号",
            "contactName": "张三",
            "contactPhone": "13800138000",
            "contactCardId": "110101199001011234",
            "contactEmail": "zhangsan@example.com"
        },
        "mchCard": {
            "bankCode": "01040000",
            "bankName": "中国银行",
            "bankProvinceCode": "110000",
            "bankCityCode": "110100",
            "branchCode": "104100000004",
            "bankCardName": "张三",
            "bankCardNo": "6222021234567890123",
            "bankCardPhone": "13800138000",
            "bankCardUrl": "https://oss.example.com/bank_card.jpg",
            "accType": 1,
            "settlementType": "T1",
            "shareAuthUrl": "https://oss.example.com/share_auth.pdf",
            "settlementMode": "AUTO",
            "settlementTime": ""
        }
    }
}

请求示例代码

Shell

JavaScript

Java

Swift

PHP

Python

HTTP

Objective-C

Ruby

OCaml

Dart

curl --location 'https://openapi.3ypay.com/mchShare/nonMch/access' \
--header 'Content-Type: application/json' \
--data-raw '{
    "appId": "APP20250101001",
    "version": "1.0",
    "timestamp": 1700000000000,
    "requestId": "REQ20250101001",
    "sign": "base64encodedSignature==",
    "signType": "RSA2",
    "charset": "UTF-8",
    "bizContent": {
        "mchFundSn": "MCH_FUND_20250101001",
        "sn": "MCH20250101001",
        "appChannelSn": "AC20250101001",
        "accountType": "order",
        "type": 1,
        "shortName": "测试商户",
        "remark": "个人分账接收方入网",
        "notifyUrl": "https://example.com/notify",
        "mchCert": {
            "certName": "张三",
            "certCardId": "110101199001011234",
            "certFrontUrl": "https://oss.example.com/cert_front.jpg",
            "certBackUrl": "https://oss.example.com/cert_back.jpg",
            "certValidityType": 0,
            "certBeginDate": "2020-01-01",
            "certEndDate": "2030-01-01",
            "certPhone": "13800138000",
            "certEmail": "zhangsan@example.com",
            "certAddress": "北京市东城区XX路XX号",
            "contactName": "张三",
            "contactPhone": "13800138000",
            "contactCardId": "110101199001011234",
            "contactEmail": "zhangsan@example.com"
        },
        "mchCard": {
            "bankCode": "01040000",
            "bankName": "中国银行",
            "bankProvinceCode": "110000",
            "bankCityCode": "110100",
            "branchCode": "104100000004",
            "bankCardName": "张三",
            "bankCardNo": "6222021234567890123",
            "bankCardPhone": "13800138000",
            "bankCardUrl": "https://oss.example.com/bank_card.jpg",
            "accType": 1,
            "settlementType": "T1",
            "shareAuthUrl": "https://oss.example.com/share_auth.pdf",
            "settlementMode": "AUTO",
            "settlementTime": ""
        }
    }
}'

返回响应

🟢200

application/json

入网申请提交成功，返回进件单号及初始状态

Bodyapplication/json

示例

{
    "code": 200,
    "msg": "请求成功",
    "appId": "APP20250101001",
    "signType": "RSA2",
    "timestamp": 1700000001000,
    "data": {
        "requestId": "REQ20250101001",
        "mchFundSn": "MCH_FUND_20250101001",
        "fundSn": "FUND20250101001",
        "sn": "MCH20250101001",
        "appChannelSn": "AC20250101001",
        "type": 1,
        "shortName": "测试商户",
        "remark": "个人分账接收方入网",
        "notifyUrl": "https://example.com/notify",
        "reportStatus": 1,
        "failMsg": ""
    }
}

🟠400