6.2.1 余额分账申请

正式环境

https://openapi.3ypay.com

POST

/mchShare/balance/share

对商户账户余额发起分账，将余额资金按照指定分账明细列表分配给分账接收方，无需关联支付订单。

调用前提： 接入方需提前获取平台分配的 appId，完成 RSA2 密钥配置；分账接收方须已完成分账关系绑定；appChannelSn（应用通道编码）由平台在开通应用通道后分配。

业务规则：

mchBatchNo 为商户自定义分账订单号，需全局唯一，长度 18～64 字符

accountNo 为渠道分配的付款方账号，资金从该账号扣划

acctInfos 分账明细列表至少包含 1 条记录，每条记录中 accountNo 和 amount 为必填

分账申请为异步流程，提交后需通过「余额分账查询」接口轮询 status 确认最终状态

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": {
        "mchBatchNo": "BAL_BATCH_20250101000001",
        "appChannelSn": "AC20250101001",
        "accountNo": "PAY_ACCOUNT_001",
        "notifyUrl": "https://example.com/notify/balance",
        "acctInfos": [
            {
                "accountNo": "RECV_ACCOUNT_001",
                "amount": 100,
                "description": "余额分账-服务费",
                "feeRate": 0
            }
        ]
    }
}

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/balance/share' \
--header 'Content-Type: application/json' \
--data '{
    "appId": "APP20250101001",
    "version": "1.0",
    "timestamp": 1700000000000,
    "requestId": "REQ20250101001",
    "sign": "base64encodedSignature==",
    "signType": "RSA2",
    "charset": "UTF-8",
    "bizContent": {
        "mchBatchNo": "BAL_BATCH_20250101000001",
        "appChannelSn": "AC20250101001",
        "accountNo": "PAY_ACCOUNT_001",
        "notifyUrl": "https://example.com/notify/balance",
        "acctInfos": [
            {
                "accountNo": "RECV_ACCOUNT_001",
                "amount": 100,
                "description": "余额分账-服务费",
                "feeRate": 0
            }
        ]
    }
}'

返回响应

🟢200

application/json

余额分账申请提交成功，返回分账批次号及明细状态

Bodyapplication/json

示例

{
    "code": 200,
    "msg": "请求成功",
    "appId": "APP20250101001",
    "signType": "RSA2",
    "timestamp": 1700000001000,
    "data": {
        "mchBatchNo": "BAL_BATCH_20250101000001",
        "batchNo": "1000000000001",
        "accountNo": "PAY_ACCOUNT_001",
        "appChannelSn": "AC20250101001",
        "acctInfos": [
            {
                "accOrderNo": "ACC_ORDER_001",
                "accountNo": "RECV_ACCOUNT_001",
                "amount": 100,
                "description": "余额分账-服务费",
                "feeRate": 0,
                "isRtc": 0,
                "status": 2,
                "failMsg": "",
                "successTime": null
            }
        ]
    }
}

🟠400

5.2.7 分账退款通知

6.2.2 余额分账查询