[Nigeria]GTB銀行出金渠道產(chǎn)品(GIPS API)集成 2020-05-06

問題解答
-- OTP驗(yàn)證的接口，返回“INVALID_REQUEST” 是否代表驗(yàn)證碼不正確，還是有可能其他的原因?qū)е碌倪@個(gè)錯(cuò)誤返回；
-- 支付超時(shí)時(shí)間多長？
回答：11分鐘。

支付請求（Charge）

  • Request
    Test Card number:5399830000000008
{
    "currency": "NGN",
    "amount": 3000000,
    "reference": "Paypay_Charge_0001",
    "narration": "FlowersNG/Ajibade Orchids 4 Derin",
    "mcc": "5193",
    "metadata": {
        "buying": "Japhet Orchids"
    },
    "card": {
        "number": "5399830000000008",
        "expiry": {
            "month": "05",
            "year": "30"
        },
        "cvc": "000"
    }
}
  • Response
  1. "response_code": "V0"
    說明：GTB銀行會發(fā)送短信給客戶預(yù)留在銀行的認(rèn)證手機(jī)號，客戶需要先做OTP驗(yàn)證
{
    "response": {
        "response_code": "V0",
        "response_message": "Enter the OTP code sent to your phone to complete the transaction",
        "reference": "Paypay_Charge_0001",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 627,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}
  1. "response_code": "VR"、 "VC"、 "VB"、"VF"、"XX"
{
    "response": {
        "response_code": "VR",
        "response_message": "Card Validation failed. Received invalid response from remote entity.",
        "reference": "Paypay_Charge_0002",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 629,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }


{
    "response": {
        "response_code": "VF",
        "response_message": "Unable to retrieve card details.",
        "reference": "Paypay_Charge_0006",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 633,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}

{
    "response": {
        "response_code": "VC",
        "response_message": "Card Validation failed. Error occured while processing your request.",
        "reference": "Paypay_Charge_0004",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 631,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}

{
    "response": {
        "response_code": "VB",
        "response_message": "Your account does not seem to have a phone number, email or hardware token provisioned. Please contact your account officer.",
        "reference": "Paypay_Charge_0005",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 632,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}

{
    "response": {
        "response_code": "XX",
        "response_message": "Error occured while processing your request",
        "reference": "Paypay_Charge_0007",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 634,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}
  1. "error":
{
    "error": {
        "cause": "CONFLICT",
        "messages": [
            "Reference: 'Paypay_Charge_0003' conflicts with an existing transaction"
        ]
    }
}

OTP驗(yàn)證（Validate）

  • Request
    transaction_number:通過Charge請求中，返回的字段獲取。相當(dāng)于銀行的支付流水號。
{
    "transaction_number": 627,
    "OTP": "123456"
}
  • Response
  1. Bad Request
    說明：無效請求
{
    "error": {
        "cause": "INVALID_REQUEST",
        "messages": [
            "You can not provide an OTP to conclude this transaction"
        ]
    }
}
  1. Approved
    說明：驗(yàn)證碼通過后，完成支付
{
    "response": {
        "response_code": "00",
        "response_message": "Approved",
        "reference": "Paypay_Charge_0009",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 678,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": "TK_1u968ey0egn8ugssawu451rh0w3"
    }
}
  1. "response_code": "VG"
    說明：短信驗(yàn)證碼不正確
{
    "response": {
        "response_code": "VG",
        "response_message": "Token Authentication Failed. Incorrect Token Supplied.",
        "reference": "Paypay_Charge_0011",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 681,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}

查詢支付/退款流水狀態(tài)（Query）

當(dāng)請求超時(shí)，請不渠道支付系統(tǒng)是否已經(jīng)接收到了支付/退款請求，可以使用此接口來確定訂單狀態(tài)。

  • Request
    支付 reference:Paypay_Charge_0001
    退款 reference:Paypay_Refund_0001
無需報(bào)文體，流水號在請求地址中代入
  • 支付流水 Response
  1. "response_code": "VE"
    說明：支付操作完成超過了有效期的錯(cuò)誤信息
{
    "response": {
        "response_code": "VE",
        "response_message": "Your payment has exceeded the time required to pay",
        "reference": "Paypay_Charge_0001",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 627,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}
  1. "cause": "NO_RECORD"
    說明：訂單號不存在的錯(cuò)誤信息
{
    "error": {
        "cause": "NO_RECORD",
        "messages": [
            "No transaction exists with reference: 'PalmPay_Charge_0002' in your test domain"
        ]
    }
}
  1. "response_code": "V0"
    說明：GTB銀行會發(fā)送短信給客戶預(yù)留在銀行的認(rèn)證手機(jī)號，客戶需要先做OTP驗(yàn)證
{
    "response": {
        "response_code": "V0",
        "response_message": "Enter the OTP code sent to your phone to complete the transaction",
        "reference": "Paypay_Charge_0001",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 628,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": null
    }
}
  1. "response_code": "00"
    說明：驗(yàn)證通過，支付成功。
    會返回支付token： "card_token": "TK_1u968ey0egn8ugssawu451rh0w3"
{
    "response": {
        "response_code": "00",
        "response_message": "Approved",
        "reference": "Paypay_Charge_0009",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 678,
        "amount": 3000000,
        "metadata": {
            "buying": "Japhet Orchids"
        },
        "card_token": "TK_1u968ey0egn8ugssawu451rh0w3"
    }
}
  • 退款流水 Response

退款（Refund）

對已經(jīng)支付成功的訂單能做部分退款處理；
支持部分退款；
支持多長部分退款；

  • Request
{
    "transaction_number": 678,
    "amount": 100,
    "reference": "Paypay_Refund_0009",
    "metadata": {
        "reason": "Out of stock"
    }
}
  • Response
  1. 同一筆訂單第一次退款，退款總金額未超過支付訂單金額
{
    "response": {
        "response_code": "00",
        "response_message": "Approved",
        "reference": "Paypay_Refund_0009",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 679,
        "amount": -100,
        "metadata": {
            "reason": "Out of stock"
        },
        "card_token": "TK_1u968ey0egn8ugssawu451rh0w3",
        "refunding": {
            "response_code": "00",
            "response_message": "Approved",
            "reference": "Paypay_Charge_0009",
            "retrieval_reference_number": "UNAVAILABLE.",
            "transaction_number": 678,
            "amount": 3000000,
            "metadata": {
                "buying": "Japhet Orchids"
            },
            "card_token": "TK_1u968ey0egn8ugssawu451rh0w3"
        }
    }
}
  1. 同一筆訂單第二次退款，退款總金額未超過支付訂單金額
{
    "response": {
        "response_code": "00",
        "response_message": "Approved",
        "reference": "Paypay_Refund_00010",
        "retrieval_reference_number": "UNAVAILABLE.",
        "transaction_number": 680,
        "amount": -200,
        "metadata": {
            "reason": "Out of stock"
        },
        "card_token": "TK_1u968ey0egn8ugssawu451rh0w3",
        "refunding": {
            "response_code": "00",
            "response_message": "Approved",
            "reference": "Paypay_Charge_0009",
            "retrieval_reference_number": "UNAVAILABLE.",
            "transaction_number": 678,
            "amount": 3000000,
            "metadata": {
                "buying": "Japhet Orchids"
            },
            "card_token": "TK_1u968ey0egn8ugssawu451rh0w3"
        }
    }
}
  1. 同一筆訂單第三次退款，退款總金額超過支付訂單金額
{
    "error": {
        "cause": "ATTEMPTED_EXCESS",
        "messages": [
            "Max refundable is 2999700!"
        ]
    }
}
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