API

API 参考文档

支付、退款、订阅、商户管理等所有接口的完整参考。

获取 API Keys

API 模块

Payments

创建、查询、取消支付

Refunds

全额/部分退款

Subscriptions

订阅创建、管理、计费

Customers

客户管理、支付方式

bash
curl -X POST https://api.raypay.com/v1/payments \
  -H "Authorization: Bearer sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "amount": 1000,
    "currency": "USD",
    "description": "Order #1234"
  }'

开始使用 API

注册获取密钥

API 参考

以下端点数据由后端 OpenAPI 契约自动生成（134 个端点），随契约同步更新。

认证

方法路径说明
POST/api/v1/auth/user/force-revoke强制下线+
POST/api/v1/auth/user/login用户登录+
POST/api/v1/auth/user/logout用户登出+
POST/api/v1/auth/user/refresh刷新令牌+
POST/api/v1/auth/user/register商户入驻注册+
POST/api/v1/auth/user/register/send-code发送邮箱验证码+
POST/api/v1/auth/user/validate校验令牌+

渠道

方法路径说明
POST/api/v1/channel/admin/callback/getByCallbackNo查询回调日志详情+
POST/api/v1/channel/admin/callback/getByOrderNo根据订单号查询回调记录+
POST/api/v1/channel/admin/callback/list查询回调日志列表+
POST/api/v1/channel/admin/callback/pending查询待处理回调+
POST/api/v1/channel/admin/callback/retryable查询可重试的回调+
POST/api/v1/channel/admin/configs/confirm确认渠道配置变更+
POST/api/v1/channel/admin/configs/list渠道配置列表+
POST/api/v1/channel/admin/configs/update修改渠道配置+
POST/api/v1/channel/admin/transaction/getByOrderNo根据订单号查询交易记录+
POST/api/v1/channel/admin/transaction/getByTxnNo查询交易流水详情+
POST/api/v1/channel/admin/transaction/list查询交易流水列表+
POST/api/v1/channel/balances/merchants/query查询商户级余额+
POST/api/v1/channel/balances/psp/query查询 PSP 级余额+
POST/api/v1/channel/batch-allocations/available-amount/query查询可归集额度+
POST/api/v1/channel/batch-allocations/create创建批量归集+
POST/api/v1/channel/batch-allocations/items/query查询批量归集明细项+
POST/api/v1/channel/batch-allocations/query查询批量归集列表+
POST/api/v1/channel/batch-allocations/queryById查询批量归集详情+
POST/api/v1/channel/bulk-sends/create创建批量代发+
POST/api/v1/channel/bulk-sends/items/query查询批量代发明细项+
POST/api/v1/channel/bulk-sends/queryById查询批量代发详情+
POST/api/v1/channel/compliance/getScreeningById查询 KYA 筛查+
POST/api/v1/channel/compliance/kyaScreening创建 KYA 筛查+
POST/api/v1/channel/compliance/kytStatus查询 KYT 状态+
POST/api/v1/channel/merchants/create创建渠道商户+
POST/api/v1/channel/merchants/list查询渠道商户列表+
POST/api/v1/channel/merchants/update更新渠道商户+
POST/api/v1/channel/metadata/getOrgInfo查询组织信息+
POST/api/v1/channel/metadata/listChains列出支持的链+
POST/api/v1/channel/metadata/listTokens列出支持的 Token+
POST/api/v1/channel/orders/create创建渠道订单+
POST/api/v1/channel/orders/getById查询渠道订单+
POST/api/v1/channel/payment-links/create创建渠道支付链接+
POST/api/v1/channel/refunds/cancel取消渠道退款+
POST/api/v1/channel/refunds/create创建渠道退款+
POST/api/v1/channel/refunds/getById查询渠道退款+
POST/api/v1/channel/topup-addresses/create创建充值地址+
POST/api/v1/channel/topup-addresses/query查询充值地址+
POST/api/v1/channel/transactions/queryByOrderNo按订单号查询渠道交易状态+
POST/api/v1/channel/wallets/checkAddress校验地址有效性+
POST/api/v1/channel/wallets/create创建渠道钱包+
POST/api/v1/channel/wallets/getById查询渠道钱包+
POST/api/v1/channel/webhooks/api-key-info/query查询 API Key 信息+
POST/api/v1/channel/webhooks/create创建 Webhook 端点+
POST/api/v1/channel/webhooks/list列出 Webhook 端点+
POST/api/v1/channel/withdraws/create发起提现+
POST/api/v1/channel/withdraws/query查询提现状态+

商户

方法路径说明
POST/api/v1/merchant/admin/audit-logs/query审计日志查询+
POST/api/v1/merchant/admin/dual-controls/pending待确认列表+
POST/api/v1/merchant/admin/dual-controls/reject拒绝双控请求+
POST/api/v1/merchant/admin/kyc/approve审核通过+
POST/api/v1/merchant/admin/kyc/detailKYC 申请详情+
POST/api/v1/merchant/admin/kyc/listKYC 申请列表+
POST/api/v1/merchant/admin/kyc/reject审核驳回+
POST/api/v1/merchant/admin/merchants/appeal商户申诉+
POST/api/v1/merchant/admin/merchants/approve审核通过+
POST/api/v1/merchant/admin/merchants/close关闭商户+
POST/api/v1/merchant/admin/merchants/detail商户详情+
POST/api/v1/merchant/admin/merchants/fee-rate调整费率+
POST/api/v1/merchant/admin/merchants/freeze冻结商户+
POST/api/v1/merchant/admin/merchants/freeze-status冻结状态查询+
POST/api/v1/merchant/admin/merchants/limits调整限额+
POST/api/v1/merchant/admin/merchants/list商户列表+
POST/api/v1/merchant/admin/merchants/reject审核拒绝+
POST/api/v1/merchant/admin/merchants/risk-level调整风控等级+
POST/api/v1/merchant/admin/merchants/settlement-cycle结算周期配置+
POST/api/v1/merchant/admin/merchants/unfreeze解冻商户+
POST/api/v1/merchant/admin/operators/create创建/更新运营人员+
POST/api/v1/merchant/admin/operators/list运营人员列表+
POST/api/v1/merchant/admin/operators/status启停运营人员+
POST/api/v1/merchant/admin/operators/update-role更新角色与 Scope+
POST/api/v1/merchant/channel-configs/bind商户绑定渠道+
POST/api/v1/merchant/channel-configs/getByMerchantNo查询商户渠道配置+
POST/api/v1/merchant/channel-configs/merchantInfo/list查询渠道商户列表+
POST/api/v1/merchant/channel-configs/merchantInfo/update更新渠道商户信息+
POST/api/v1/merchant/channel-configs/resolve解析身份契约+
POST/api/v1/merchant/channel-configs/retry重试渠道绑定+
POST/api/v1/merchant/channel-configs/unbind商户解绑渠道+
POST/api/v1/merchant/kyb/uboUBO 采集+
POST/api/v1/merchant/kyc/query查询 KYC 申请详情+
POST/api/v1/merchant/kyc/submit提交 KYC 申请+
POST/api/v1/merchant/kyc/uploaded-files查询 KYC 已上传文件列表+
POST/api/v1/merchant/merchants/checkActive检查商户是否活跃+
POST/api/v1/merchant/merchants/create创建商户+
POST/api/v1/merchant/merchants/query分页查询商户列表+
POST/api/v1/merchant/merchants/queryById根据ID查询商户+
POST/api/v1/merchant/merchants/queryByNo根据商户号查询+
POST/api/v1/merchant/merchants/queryByStatus根据状态查询商户+
POST/api/v1/merchant/merchants/update更新商户+
POST/api/v1/merchant/merchants/updateRiskLevel更新商户风控等级+
POST/api/v1/merchant/merchants/updateStatus更新商户状态+
POST/api/v1/merchant/protocols/accept确认协议+
POST/api/v1/merchant/relations/accept接受邀请+
POST/api/v1/merchant/relations/invite邀请成员+
POST/api/v1/merchant/relations/list成员列表+
POST/api/v1/merchant/relations/revoke撤销成员/邀请+
POST/api/v1/merchant/statements/export导出对账单 CSV+
POST/api/v1/merchant/statements/generate手动生成对账单+
POST/api/v1/merchant/statements/list查询对账单列表+
POST/api/v1/merchant/webhooks/create创建 Webhook 订阅+
POST/api/v1/merchant/webhooks/delete删除 Webhook 订阅+
POST/api/v1/merchant/webhooks/list查询 Webhook 订阅列表+
POST/api/v1/merchant/webhooks/test测试投递+
POST/api/v1/merchant/webhooks/update更新 Webhook 订阅+

交易

方法路径说明
POST/api/v1/trade/merchant/batches/allocation/create创建批量归集+
POST/api/v1/trade/merchant/batches/allocation/query查询批量归集列表+
POST/api/v1/trade/merchant/batches/allocation/queryById查询批量归集详情+
POST/api/v1/trade/merchant/batches/bulksend/create创建批量代发+
POST/api/v1/trade/merchant/batches/bulksend/queryById查询批量代发详情+
POST/api/v1/trade/merchant/dashboard/overview仪表盘汇总+
POST/api/v1/trade/merchant/dashboard/today今日实时指标+
POST/api/v1/trade/merchant/orders/cancel取消订单+
POST/api/v1/trade/merchant/orders/create创建订单+
POST/api/v1/trade/merchant/orders/queryByMerchantOrderNo按商户订单号查询+
POST/api/v1/trade/merchant/orders/queryByNo按订单号查询+
POST/api/v1/trade/merchant/orders/queryList商户订单列表+
POST/api/v1/trade/merchant/payment-links/create创建支付链接+
POST/api/v1/trade/merchant/payment-links/disable禁用支付链接+
POST/api/v1/trade/merchant/payment-links/pay通过支付链接发起支付+
POST/api/v1/trade/merchant/payment-links/queryByNo查询支付链接+
POST/api/v1/trade/merchant/query/export交易 CSV 导出+
POST/api/v1/trade/merchant/query/list交易分页查询+
POST/api/v1/trade/merchant/recharges/getAddress获取充值地址+
POST/api/v1/trade/merchant/refunds/apply申请退款+
POST/api/v1/trade/merchant/refunds/cancel取消退款+
POST/api/v1/trade/merchant/refunds/queryByNo按退款单号查询+
POST/api/v1/trade/merchant/refunds/queryByOrderNo按原订单号查询退款+