1.
出款账户信息（beneficiaryAccountNumber）对应的银行(beneficiaryBankCode)和账户类型(beneficiaryBankType)一定要正确（可以引导用户一定输入正确的用户信息）
2.
出款人的身份类型(beneficiaryType)和身份号(beneficiaryId)一定要对应并且正确
3.
出款人的身份信息(beneficiaryId)一定和银行账户所属人的信息一致
4.
当用户收款银行是Interbank 时recipientCardNo（Código de Cuenta Interbancaria (CCI)与银行账户(字段“收款人账号”)相关） 银行账户信息和recipientCardNo是不相同的
5.
beneficiaryName 名字要传完整的名字，不要只传lastName，需要传完整 fullName、会影响成功率
6.
当beneficiaryBankType 为 3（rut账户类型）时用户的付款账户beneficiaryAccountNumber 直接取用户的RUT 身份id 参数的前八位
7.
当beneficiaryBankType 为 3（rut账户类型）时并且用户身份类型beneficiaryType 为1（身份类型为RUT）时商户传的的付款账户beneficiaryAccountNumber 系统自动截取beneficiaryId 参数的前八位 作为用户的收款账户（beneficiaryAccountNumber）
8.
当用户选择Banco Estado (Banco del Estado de Chile) 银行时，银行账户号码不会大于12位
| 错误码 | 错误描述 | 错误字段 |
|---|
| THE DOCUMENT IS WRONG | 用户身份信息错误 | beneficiaryType或者beneficiaryId 错误 |
| INCORRECT ACCOUNT DATA | 用户填写银行账号信息错误 | beneficiaryAccountNumber或者beneficiaryBankCode或者beneficiaryBankType 错误 |
| CREDIT ACCOUNT DOES NOT EXIST | 用户信用账户不存在 | beneficiaryAccountNumber或者beneficiaryBankCode或者beneficiaryBankType 错误 |
| RESTRICTED CREDIT ACCOUNT | 限贷账户 | beneficiaryAccountNumber 错误 |
| NON-ACCOUNT HOLDER CUSTOMER | 账户所属人和上传身份信息不一致 | beneficiaryType或者beneficiaryId 错误 |
| ACCOUNT TYPE DOES NOT ALLOW TRANSFERS | 账户类型不允许转账 | |
| BANK OUT OF SERVICE | 用户选择银行停止服务 | |
Request
Body Params application/json
{
"mchOrderId": "string",
"amount": "string",
"currency": "string",
"purpose": "string",
"beneficiaryName": "string",
"beneficiaryEmail": "string",
"beneficiaryMobile": "string",
"beneficiaryAccountNumber": "string",
"callbackUrl": "string",
"paymentType": "NET_BANKING",
"beneficiaryType": "1",
"beneficiaryId": "string",
"beneficiaryBankType": "0",
"beneficiaryBankCode": "001"
}
Request Code Samples
curl --location --request POST '/gateway/base/biz' \
--header 'method: payOut' \
--header 'signType: SHA512' \
--header 'serviceName: api.pay' \
--header 'mchId: 1416010331032883200' \
--header 'timestamp: 1631671670' \
--header 'sign: 32554324534545432543' \
--header 'Content-Type: application/json' \
--data-raw '{
"mchOrderId": "string",
"amount": "string",
"currency": "string",
"purpose": "string",
"beneficiaryName": "string",
"beneficiaryEmail": "string",
"beneficiaryMobile": "string",
"beneficiaryAccountNumber": "string",
"callbackUrl": "string",
"paymentType": "NET_BANKING",
"beneficiaryType": "1",
"beneficiaryId": "string",
"beneficiaryBankType": "0",
"beneficiaryBankCode": "001"
}'
Responses
application/json {
"data": [
{
"orderId": "81"
},
{
"orderId": "39"
},
{
"orderId": "81"
}
],
"resultCode": "7",
"errorCode": "35",
"errorMsg": "in aute aliquip"
}
Modified at 2025-12-05 13:03:25
