1. Brief Description:

• Query merchant available payment configuration information based on application ID, including payment methods, fee rates, settlement periods, and other configurations

URL： /common/payment/config

HTTP Method： POST

Content-Type： application/json

Matters Need Attention

1. The request requires signature verification and the signature algorithm should be consistent with other interfaces.
2. tranType and tranCode are optional parameters used to filter specific types of payment configurations.
3. If the application has not configured the payment product, the returned configs list will be empty.
4. The response data will also be signed. The signature is the same as other methods, but note that the returned data of this interface has multiple levels of nesting.
5. If the input currency is "Cashier", it will return all the available app payment configuration information for this user.

2. Request Parameters:

Parameter	Required	Type	Description
appId	Yes	Long	Business ID (obtained from the backend)
tranType	No	String	Payment type (optional). If provided, filter by payment type. See tranType
tranCode	No	String	tranCode type (optional). If provided, filter by tranCode type. See tranCode
sign	Yes	String	Signature

3. Response Data:

Parameter	Type	Description
userId	Long	User ID
configs	List<PaymentConfig>	Configuration list
sign	String	Signature

PaymentConfig Object:

Parameter	Type	Description
appId	Long	Application ID
appName	String	Application name
tranCode	String	tranCode type: pay=payout, collect=collection
tranType	String	Payment type (transaction method). See tranType
currNo	String	Currency code (e.g., USD, CNY)
payMethods	List<PayMethod>	Payment method information list
feeRate	FeeRate	Fee rate information
settlement	Settlement	Settlement period information
supportRefund	Boolean	Whether refund is supported, see refund support section

PayMethod Object:

Parameter	Type	Description
inBankCode	String	Payment method code (inBankCode)
name	String	Payment method name
limit	Limit	Payment method limit information (intersection of t_pay_code and t_mer_app)

Limit Object:

Parameter	Type	Description
singleMinAmount	String	Minimum single transaction amount
singleMaxAmount	String	Maximum single transaction amount

FeeRate Object:

Parameter	Type	Description
feeType	Integer	Fee collection method. See feeType
feeMode	Integer	Fee collection type. See feeMode
feeRate	String	Fee rate
feeFixedValue	String	Fixed fee
degrees	List<FeeDegree>	Tiered fee rate list (if fee_mode=2)

FeeDegree Object:

Parameter	Type	Description
start	Long	Range start
end	Long	Range end
value	String	Range value (tiered fee rate)
name	String	Range name

Settlement Object:

Parameter	Type	Description
stlMode	String	Settlement method. See stlMode
stlCycle	Integer	Settlement cycle value

4. Request and Response Examples

{
  "appId": 2065,
  "sign": "PjQFVs4HxYM+skZ+9+O6LzrmgAeDRn6YgaM9ka+kynv8WH36HU6soMGWSV0GiO5ApPMdnpWbRdGt2jkcTFQ4+ZZ/2JxJsV0MGbwH5EGCxXb5vJar2v3l43WwpI9DDwpSjpYqrCA+XlXMA2oD3ZuOsqTKa49E2EgEhWa9mvS/5id+R6V03Zf1wy/sEsFya2zLVF2jK9zRVpQ+pOgAlT++EUPHzMtnAkfj2/CcSFE8Pl0v//HCcw/5dzLFIgpoUH/h6xSgzinndCQVA6Yy4JX9av/K554GpHHE1jw+PqZSW5JbYss/XpT2ltb3ieUdhiqvEHM9NGncBlWptk1KmDywKg\u003d\u003d"
}

Response Example:

{
  "status": "1",
  "error": "00000000",
  "msg": "",
  "data": {
    "userId": 672,
    "configs": [{
      "appId": 2065,
      "appName": "jiwushanghu_MXN1",
      "tranCode": "pay",
      "tranType": "BANK_ACCOUNT",
      "currNo": "MXN",
      "payMethods": [{
        "inBankCode": "ACCENDO_BANCO",
        "name": "ACCENDO_BANCO",
        "limit": {
          "singleMinAmount": "3",
          "singleMaxAmount": "2000"
        }
      }, {
        "inBankCode": "ABC_CAPITAL",
        "name": "ABC_CAPITAL",
        "limit": {
          "singleMinAmount": "3",
          "singleMaxAmount": "2000"
        }
      }],
      "feeRate": {
        "feeType": 1,
        "feeMode": 1,
        "feeRate": "0",
        "feeFixedValue": "8.8"
      },
      "settlement": {
        "stlMode": "WN",
        "stlCycle": 4
      },
      "supportRefund": false
    }, {
      "appId": 2065,
      "appName": "jiwushanghu_MXN1",
      "tranCode": "collect",
      "tranType": "QR",
      "currNo": "MXN",
      "payMethods": [{
        "inBankCode": "CASH",
        "name": "Pay Cash",
        "limit": {
          "singleMinAmount": "5.1",
          "singleMaxAmount": "2000"
        }
      }],
      "feeRate": {
        "feeType": 1,
        "feeMode": 0,
        "feeRate": "0.035",
        "feeFixedValue": "0.2"
      },
      "settlement": {
        "stlMode": "TN",
        "stlCycle": 2
      },
      "supportRefund": false
    }, {
      "appId": 2065,
      "appName": "jiwushanghu_MXN1",
      "tranCode": "collect",
      "tranType": "VA",
      "currNo": "MXN",
      "payMethods": [{
        "inBankCode": "CLABE",
        "name": "CLABE",
        "limit": {
          "singleMinAmount": "5.1",
          "singleMaxAmount": "2000"
        }
      }],
      "feeRate": {
        "feeType": 1,
        "feeMode": 0,
        "feeRate": "0.035",
        "feeFixedValue": "0.2"
      },
      "settlement": {
        "stlMode": "TN",
        "stlCycle": 2
      },
      "supportRefund": false
    }, {
      "appId": 2065,
      "appName": "jiwushanghu_MXN1",
      "tranCode": "collect",
      "tranType": "VA",
      "currNo": "MXN",
      "payMethods": [{
        "inBankCode": "CLABE",
        "name": "CLABE",
        "limit": {
          "singleMinAmount": "5.1",
          "singleMaxAmount": "2000"
        }
      }],
      "feeRate": {
        "feeType": 1,
        "feeMode": 0,
        "feeRate": "0.035",
        "feeFixedValue": "0.2"
      },
      "settlement": {
        "stlMode": "TN",
        "stlCycle": 2
      },
      "supportRefund": false
    }],
    "sign": "Uw3xtKg3c772USUDvd5SDv9HjRU/WUAco/UJk+obJckJttwHyxNMfFVr1ADg2TDh2A+1VF5Klba2zmJ3L6DLkv+VXBUvHvvXPLxDLPnRXCzdp0wIxMeCdXZgvbFvtXB/teCOUpN0CocBkVmFtlE6uPoL74bj9l40ZqeDlHLRRbK+BS8d+0zDURINeQLFCTnvgygZof1GjfY6jbYfwfVnY9iJwjpYOc/+InPHSQJpzeVPw4c8fPK3V3rfzdwg1trpwgqnMYOFl1sr+t8ShkUiCpOBRb9E2iVM14cXbHrk3DqYO5p2pf6Ol0zeVMwAQG+oH66gGUCQT4DRcgWHFTtZtg=="
  }
}

Error Response Example:

{
  "status": "0",
  "error": "1002",
  "msg": "Please configure the merchant public key"
}

5. Return parameter details description

tranType (Payment Type)

Value	Description
BANK_TRANSFER	Bank Transfer
BANK_ACCOUNT	Bank Account
BANK_CARD	Bank Card
EWALLET	E-wallet
UPI	UPI

transaction (Transaction Type)

Value	Description
pay	Payout
collect	Collection

feeType (Fee Collection Method)

Value	Description
0	External deduction (fee deducted from balance account)
1	Internal deduction (fee deducted from order amount)

feeMode (Fee Collection Type)

Value	Description
0	Rate
1	Per transaction
2	Tiered
3	Floor price

stlMode (Settlement Method)

Value	Description
D0	Natural Day
TN	Working Day
WN	Weekly Settlement
MN	Monthly Settlement

Refund Support

Refund functionality is only supported for the following payment method combinations:

Currency	Payment Type (payType)	Payment Code (inBankCode)
USD	BANK_TRANSFER	CREDIT_CARD
USD	EWALLET	GOOGLE_PAY
USD	EWALLET	APPLE_PAY