> ## Documentation Index
> Fetch the complete documentation index at: https://doc2.payloco.com/llms.txt
> Use this file to discover all available pages before exploring further.
# 退款通知
> 当消费成功后，通过开发者webhook配置，开发平台会发送通知给商户，当接受不成功或者发送失败时, 会重发8次, 时间间隔为0m,1m,4m,10m,15m,60m,60m,60m
## OpenAPI
````yaml webhook voids.succeeded
openapi: 3.1.0
info:
version: '2024-03-31'
title: Payloco开放平台接口文档
description: "# Introduction.\n\nWelcome to Payloco.\n\nThe Payloco API is designed to be flexible and give you control in how and when you convert currencies, make payments and manage your accounts.\n\nWe recommend you read through the API Documentation in full to familiarise yourself with the features and workflows associated with the product. Demo account access can also be provided to you, and the Client ID and API key can be generated within Account settings > API keys in the Web Application.\n\nFor any assistance through the integration, your PayLoco Business Development Manager and your allocated PayLoco Client Integration Manager will be able to help guide you.\n# Versioning\n\nPayLoco uses versioning to improve our API contracts without affecting existing users.\n\nWhen we need to introduce a backwards-incompatible change, such as renaming or splitting a field, we will create a new date version which clients can migrate to when ready.\n### What is the latest version?\nThe latest version is `2024-03-31`.\n\n\n\n## 支付方式\n | 支付方式 | 支持国家 | 支付类型 | Tokenization | MIT | 必填参数(端到端支付必填) | 交易币种 |\n| :----: | :----: | :----: | :----: | :----:| :----:| :----: |\n| VISA | 全球 | CREDIT_CARD | ☑️ | ☑️ | cardNo/firstName/lastName/cvv/expireYear/expireMonth | 全币种 |\n| MasterCard | 全球 | CREDIT_CARD | ☑️ | ☑️ | cardNo/firstName/lastName/cvv/expireYear/expireMonth | 全币种 |\n| JCB | 全球 | CREDIT_CARD | ☑️ | ☑️ | cardNo/firstName/lastName/cvv/expireYear/expireMonth | 全币种 |\n| DISCOVER | 全球 | CREDIT_CARD | ☑️ | ☑️ | cardNo/firstName/lastName/cvv/expireYear/expireMonth | 全币种 |\n| UNION_PAY | 全球 | CREDIT_CARD | ☑️ | ☑️ | cardNo/firstName/lastName/cvv/expireYear/expireMonth | 全币种 |\n| WEIXIN | 中国香港(HK) | QRCODE,MICROPAY,JSAPI,MINIPROGRAM,APP,H5\t | - | - | - | CNY,HKD |\n| UNIONPAY | 中国香港(HK) | WEB,PAN_PRESENT,QRCODE,H5,3DS | - | - | - | CNY,HKD |\n| ALIPAY_CN | 中国(CN) | H5,WEB,APP\t | - | - | - | CNY,USD,HKD|\n| ALIPAY_HK | 中国香港(HK) | H5,WEB,APP\t | - | - | - | HKD,USD|\n| ALIPAY_HK | 中国香港(HK) | H5,WEB,APP\t | - | - | - | HKD,USD|\n| GCASH | 菲律宾(PH)| H5,WEB,BILLS\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP,USD |\n| BPI | 菲律宾(PH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP,USD |\n| MAYA | 菲律宾(PH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP |\n| BILLEASE | 菲律宾(PH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP,USD |\n| Dragonpay | 菲律宾(PH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP |\n| GrabPay_PH | 菲律宾(PH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | PHP |\n| TNG | 马来西亚(MY)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | MYR,USD |\n| BOOST | 马来西亚(MY)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | MYR,USD |\n| GrabPay_MY | 马来西亚(MY)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | MYR |\n| DANA | 印度尼西亚(ID)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | IDR,USD |\n| KAKAOPAY | 韩国(KR)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | KRW,USD |\n| NAVERPAY | 韩国(KR)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | KRW,USD |\n| TOSSPAY | 韩国(KR)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | KRW,USD |\n| TRUEMONEY | 泰国(TH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | THB,USD |\n| RABBIT_LINE_PAY | 泰国(TH)| H5,WEB\t | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | THB,USD |\n| BRAZIL_PIX | 巴西(BR)| H5,QRCODE | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | BRL |\n| Ewallet_PicPay | 巴西(BR)| H5,QRCODE | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | BRL |\n| Khipu | 智利(CL)| H5 | - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | CLP |\n| GrabPay_SG | 新加坡(SG)| H5,WEB\t | - |- | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | SGD,USD |\n| GoPay | 印度尼西亚(ID)| H5,WEB\t| - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | IDR |\n| OVO | 印度尼西亚(ID)| H5,WEB\t| - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | IDR |\n| DOKU | 印度尼西亚(ID)| H5,WEB\t| - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | IDR |\n| Konbini | 日本(JP)| H5,WEB\t| - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | JPY |\n| PayEasy | 日本(JP)| H5,WEB\t| - | - | countryCode/terminalType/osType
[terminalType必填(WEB,WAP,APP);
terminalType为WAP/APP时osType必填(IOS,ANDROID)] | JPY |"
termsOfService: https://www.payloco.com
contact:
name: 技术支持
email: support@payloco.com
url: https://www.payloco.com
license:
url: https://www.apache.org/licenses/LICENSE-2.0.html
name: Apache 2.0
summary: ''
servers:
- url: https://gate.uat.payloco.com/gateway
description: Development server
- url: https://gate.payloco.com/gateway
description: Live server
security:
- signature: []
tags:
- name: 收单
- name: 其他交易类型
- name: 商户管理
- name: 文件下载
- name: 用卡人
- name: 卡管理
- name: 卡交易管理
- name: 收件人
paths: {}
components:
securitySchemes:
signature:
type: apiKey
description: |-
## 加签（Signature）
加签是 Payloco 开放平台与商户之间用于保障报文**完整性**和**防篡改**的安全机制。
### 适用场景
1. **商户请求 Payloco**：商户使用**自身私钥**对请求报文进行加签。
2. **Payloco 返回响应**：商户使用 **Payloco 公钥** 对响应报文进行验签。
### 加签规则（商户请求端）
商户需对 HTTP 请求的 **Body** 进行签名，具体步骤如下：
### 1. 计算签名（SHA256withRSA）
```java
Signature signature = Signature.getInstance("SHA256withRSA");
signature.initSign(merchantPrivateKey);
// 必须使用 UTF-8 编码
byte[] bodyBytes = requestBody.getBytes(StandardCharsets.UTF_8);
signature.update(bodyBytes);
byte[] signedBytes = signature.sign();
```
### 2. 将加签内容进行 Base64 编码；
```java
String signature = Base64.getEncoder().encodeToString(signedHash);
```
### 3. 将编码后的内容放在请求头部 signature 参数中。
```java
POST /v2/payments/open/api/pay HTTP/1.1
Content-Type: application/json
signature: MIIC8jCCAdqgAwIBAgI...
```
name: signature
in: header
````