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.
用户名字(beneficiaryName)一定要输入完整的用户名
6.
当用户选择四大行出款时CCI 号码可以不用填写四大行包括（Banco Continental，Banco de Credito,Interbank,Scotiabank）,非四大行需要填CCI号码，注意Banco Continental 其实就是BBVA，Banco de Credito 就是BCP
| 错误码 | 错误描述 | 错误字段 |
|---|
| 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 |
| CREDIT ACCOUNT CANCELLED | 用户填写的银行账户已取消 | beneficiaryAccountNumber 错误 |
| CREDIT ACCOUNT DOES NOT EXIST | 用户填写的银行账户不存在 | beneficiaryAccountNumber或者beneficiaryBankCode或者beneficiaryBankType 错误 |
| INCORRECT ACCOUNT INFORMATION | 账户信息不正确 | beneficiaryAccountNumber或者beneficiaryBankCode或者beneficiaryBankType 错误 |
| THE DOCUMENT IS WRONG | 用户身份信息错误 | beneficiaryType或者beneficiaryId 错误 |
| 银行名称 | 校验规则 |
|---|
| BBVA (Banco Continental) | 18位或20位
EX: 001106660100012345 (18位)
EX: 00110666010001234512 (20位) |
| Interbank | 13位 |
| BCP (Banco de Credito) | 活期账户13
储蓄账户:14位 |
| Scotiabank | 10位 Example:0037651234 (10 digits: 3 agency + 7 account) |
| 非四大行 | 使用20位的CCI账号
Example:00219400254640654321 (20 digits) |
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",
"recipientCardNo": "string"
}
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",
"recipientCardNo": "string"
}'
Responses
application/json {
"resultCode": "96",
"errorCode": "50",
"errorMsg": "dolor reprehenderit in esse",
"data": {
"orderId": "1"
}
}
Modified at 2025-12-05 12:56:10
