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安全访问验证 Security Verification

请输入访问密码以查看 IFPay API 技术文档 Please enter the access password to view the documentation

签名规则Signature Rules

第一步:字典排序Step 1: Dictionary Sorting
对所有参数中值不为空的参数,按照参数名(key)的英文字母升序排列(ksort),使用 URL 键值对拼接成字符串 stringA(例如:key1=value1&key2=value2...)。 Sort all non-empty parameters in alphabetical order by keys (ksort), and concatenate them into a URL query string stringA (e.g., key1=value1&key2=value2...).

第二步:拼接密钥Step 2: Append Secret Key
在 stringA 字符串的最后直接追加商户的密钥(keyvalue),得到待签名字符串 stringSignTemp。
例: stringSignTemp="attach=test&attachCode=111...uid=100000&keyvalue=341EE28AA5C3497D27CB33536228D5C9B4923509"; sign=MD5(stringSignTemp).toUpperCase();
Append the merchant keyvalue directly to the end of stringA to get stringSignTemp.
stringSignTemp="attach=test&attachCode=111...uid=100000&keyvalue=341EE28AA5C3497D27CB33536228D5C9B4923509"; sign=MD5(stringSignTemp).toUpperCase();

第三步:MD5 加密Step 3: MD5 Encryption
对 stringSignTemp 进行标准 MD5 运算,并将得到的加密哈希值全部转换为【纯大写】字母,即得到最终的 sign 值。 Calculate the MD5 hash of stringSignTemp and convert all characters to UPPERCASE to get the final sign value.

PHP examples

    $parameters=['action'=>'quickpayment','attach'=>'test'];
    function makesign($parameters,$keyvalue){
        $parameters = array_filter($parameters);
        ksort($parameters);
        foreach ($parameters as $key => $value) {
            $string[] = $key . '=' . $value;
        }
        return implode('&', $string)."&keyvalue=".$keyvalue;
    }

    

订单请求 (代收)Payment Request

下单地址: Gateway URL: POST http://35.79.50.138:999/v1/payment

Headers: Content-Type: application/x-www-form-urlencoded

[uid] 商户编码Merchant ID - 必填Required
说明:平台分配的唯一商户号。Description: Merchant unique ID assigned by platform.
[outtradeno] 商户订单号Merchant order number - 必填Required
说明:商户唯一的订单流水号,系统内部不可重复。Description: Unique merchant order number, no duplicates.
[fee] 订单金额Order Amount - 必填Required
说明:订单支付的金额。(单位:分)Description: Order payment fee. (Unit: Cents)
[channel] 支付通道编码Payment Channel Code - 必填Required
说明:平台下发的技术通道特有编码。Description: Specific payment channel routing code.
[returnUrl] 同步通知地址Sync Url - 必填Required
说明:支付完成后,用户浏览器前台自动跳转回的商户页面地址。 Description: Synchronous redirection URL where users return after successful payment.
[selectUrl] 异步通知地址Async Url - 必填Required
说明:平台服务器点对点异步通知支付结果的 http/https 回调路径。 Description: Asynchronous server-to-server callback URL for notifying payment results.
[attach] 返回参数一/扩展字段Parameter
说明:原生通道填写 email。如果是 USDT 接口,则用于填写收银台语种(cn:简体 | cnt:繁体 | en:英语 | id:印度 | pt:葡萄牙 | th:泰语 | vn:越南)。印度原生必填,USDT默认cn。 Description: Native channels fill with email. For USDT interface, specify languages (cn, cnt, en, id, pt, th, vn). Required for India native, defaults to cn for USDT.
[attachCode] 返回参数二Parameter
说明:扩展返回参数二。如果是原生通道则为必填项,请在此处填写用户的手机号。 Description: Extra return field. Required for native channels, must fill with the user's phone number.
[ordername] 商品名称Product Name
说明:商品简短名称。如果是原生通道则为必填项,请在此处填写用户的姓名。 Description: Product descriptor name. Required for native channels, must fill with the user's full name.
[format] 返回格式Return Json or Html
说明:默认返回 json 格式。若您的系统需要平台直接返回 html 页面,则在下单时增加该参数并赋值:format=html。 Description: Output rendering format. Defaults to json. If you require standard html layer output, append format=html.
[sign] 安全签名Sign - 必填Required / 不参与签名
说明:签名验证串。将前面所有有值的参数按照签名算法规则计算得出,此参数本身不参与签名计算。 Description: Security verification value. Generated via Section 1 rules using all non-empty parameters. Exclude sign itself.

订单请求响应 (Response) Order Response Parameters

[code] (String)
说明:状态码。返回 "0000" 表示请求成功;其余任何状态码皆表示获取支付链接失败。 Description: Status code. "0000" indicates success; any other code means failure to get the pay URL.
[payurl] (String)
说明:返回的拉起支付链接。商户系统获取后需引导用户跳转至该地址完成付款。 Description: The generated checkout/payment URL for redirecting the customer.
[msg] (String)
说明:返回的文字信息或错误原因描述(如签名错误、通道维护等)。 Description: Text message containing status descriptions or error reasons.

订单回调Payment Asynchronous Callback

🔔 通知方式:🔔 Notification Method: 该报文将以 GET 的方式,通知到您支付请求时预留的异步接口地址(selectUrl)。 This message will be sent via GET method to the asynchronous callback URL (selectUrl) reserved during your payment request.

⚠️ 成功应答标准:⚠️ Success Response Standard: 商户系统接收到平台点对点通讯通知并处理成功后,必须在页面直接输出纯文本 "0000"(没有双引号)。否则,平台会自动重复发送 3 次点对点通知。 When your server receives the peer-to-peer notification and processes it successfully, you must output the plaintext "0000" (without quotes) on the page. Otherwise, the platform will automatically retry sending the notification 3 times.

订单回调参数明细Callback Parameter Details

[uid] 商户编码Merchant ID
说明:平台分配给您的唯一商户号。 Description: Unique merchant ID assigned to your account.
[outtradeno] 商户订单号Merchant order number
说明:商户系统发起支付时上报的原始唯一订单流水号。 Description: The original unique order reference number submitted by the merchant system.
[fee] 订单金额Order Amount
说明:用户实际支付完成的订单总金额。(单位:分) Description: Total transaction value successfully paid by the user. (Unit: Cents)
[serial] 平台流水号IfPay order number
说明:IFPay 平台生成的全局唯一系统交易流水号。 Description: Globally unique platform transaction reference number generated by IFPay.
[payment] 三方流水号Order number
说明:上游渠道或银行底层返回的三方通道核心交易流水号。 Description: Third-party payment channel or banking network reference number.
[code] 交易状态Transaction Status
说明:订单状态标识。固定返回 "0000" 时代表最终支付成功。 Description: Core transaction status indicator. Fixed value "0000" signifies a successful payment.
[attach] 扩展返回Parameter
说明:商户附加数据透传返回。原样返回您在创建订单请求时上报的参数值(如未传则为空)。 Description: Transparent extension data. Returns the exact value originally sent in the payment request.
[attachCode] 扩展返回Parameter
说明:扩展附加数据返回二。同样原样透传下发商户在请求时提交的数据。 Description: Second transparent extension data block field returned exactly as custom-passed.
[sign] 安全签名Sign
说明:平台对回调报文生成的验证签名。包含上述所有有值的参数按字典序规则拼接,最后加 keyvalue 计算出的 MD5 大写字符串,此参数自身不参与签名计算。(商户必须对此签名进行反向校验以防止伪造攻击) Description: Verification signature computed by the platform. Combines all non-empty return fields alphabetically. Sign field itself is excluded. (Merchants must verify this signature to prevent spoofing)

订单查询Order Query

接口地址:Gateway URL: POST http://35.79.50.138:999/v1/query

Header: Content-Type: application/x-www-form-urlencoded

请求参数 (Request)Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[outtradeno] - 必填Required
说明:需要查询的商户唯一订单号。Description: The unique merchant order number to query.
[sign] - 必填Required
说明:MD5大写签名串(依据 uid 和 outtradeno 字典序计算)。Description: Uppercase MD5 signature calculated by rules.

查询响应 (Response)Response Parameters

[code] (String)
说明:平台代码。固定返回 "0000" 时代表系统查询成功(注:仅代表本接口请求成功,不代表订单已支付)。 Description: Platform code. "0000" signifies a successful query request.
[msg] (String)
说明:对应的提示文字或详细错误信息。Description: Text response message or detailed error descriptions.
[serial] (String)
说明:IFPay 平台内部生成的系统唯一交易流水号。Description: Unique system transaction serial number generated by platform.
[payment] (String)
说明:底层银行或第三方渠道的核心物理交易流水号。Description: Core transaction reference code returned by upstream third-party channel.
[fee] (Numeric)
说明:该笔订单的具体支付金额。(单位:分)Description: Total transaction amount of the order. (Unit: Cents)
[state] (Numeric)
说明:最核心的订单状态。数字映射如下:
0: 等待支付 | 1: 支付成功 | 2: 支付失败 | 3: 订单关闭 | 4: 发生退款
Description: Core order status. Code mappings:
0: Pending | 1: Success | 2: Failed | 3: Closed | 4: Refunded

余额查询Balance Inquiry

接口地址:Gateway URL: POST http://35.79.50.138:999/v1/querymoney

Header: Content-Type: application/x-www-form-urlencoded

请求参数 (Request)Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[cy] - 必填Required
说明:需要查询的对应钱包国家币种。数字映射:3: INR (印度卢比) | 5: BRL (巴西雷亚尔) | 6: NGN (尼日利亚奈拉)。 Description: Currency identifier. Code mappings: 3: INR | 5: BRL | 6: NGN.
[sign] - 必填Required
说明:MD5大写签名串(依据 uid 和 cy 字典序拼接后加密)。Description: Uppercase MD5 signature calculated based on rules.

查询响应 (Response)Response Parameters

[code] (String)
说明:平台代码。固定返回 "0000" 代表余额查询成功。 Description: Platform status code. "0000" signifies a successful response.
[msg] (String)
说明:对应的错误或成功的文字提示信息。Description: Status message or error description string.
[usermoney] (Numeric)
说明:商户当前的可用余额(单位:分,需除以100换算成本币整钱)。 Description: The available merchant account balance (Unit: Cents).

代付巴西Payout Brazil (BRL)

接口地址:Gateway URL: POST http://35.79.50.138:898/v1/withdrawalbrl

Header: Content-Type: application/x-www-form-urlencoded

请求参数Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[outtradeno] - 必填Required
说明:商户唯一的代付订单号,系统内不可重复。Description: Unique merchant payout transaction reference number.
[fee] - 必填Required
说明:代付金额。(单位:分,例如 100 巴西雷亚尔需上传 10000)。Description: Payout amount. (Unit: Cents, e.g., 100 BRL = 10000).
[accountType] - 必填Required
说明:用户 PIX 账号类型。必须为以下固定大写字符串:
EMAIL / PHONE / CPF / CNPJ / RANDOM
Description: User PIX key type. Must be:
EMAIL / PHONE / CPF / CNPJ / RANDOM
[accountNum] - 必填Required
说明:对应的用户 PIX 账号(具体钥匙串内容,如身份证号、手机号等)。Description: Corresponding user PIX key / account number.
[callback]
说明:代付结果异步回调通知地址。Description: Asynchronous notification URL for payout results.
[bankcode]
说明:默认送编号 99 就可以!'99'='PIX' (pixpay)。部分环境若无此必填项则可忽略,若有则直接传 99。 Description: Bank routing code. Default to 99 representing PIX (pixpay).
[sign] - 必填Required
说明:MD5大写签名串(依据上述所有有值的请求参数按字典序计算得出)。Description: Uppercase MD5 signature generated based on Section 1.

接口响应 (Response)Response Parameters

[code] (String)
说明:平台状态码。返回 "0000" 代表代付请求提交成功(注:表示系统已受理,最终结果需通过代付查询或回调获取)。 Description: Status code. "0000" signifies that the payout request was successfully accepted.
[msg] (String)
说明:对应的错误或处理信息。Description: Returned message or error description text.

代付印度Payout India

接口地址:Gateway URL: POST http://35.79.50.138:898/v1/withdrawalinr

Header: Content-Type: application/x-www-form-urlencoded

💡 官方重要提示: 印度代付一般只需对接传 100 IMPS 模式就可以,其他模式在实际联调中通常可以忽略! Generally only channel type 100 (IMPS) is required for India payout, others can be safely ignored.
[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID.
[outtradeno] - 必填Required
说明:商户唯一的代付订单号,不可重复。Description: Unique payout transaction order number.
[fee] - 必填Required
说明:代付金额。(单位:分)Description: Payout amount. (Unit: Cents)
[type] - 必填Required
说明:收款方交易类型(100: IMPS、101: NEFT、102: RTGS、103: UPI、104: PAYTM 钱包)。 Description: Payout method (100: IMPS, 101: NEFT, 102: RTGS, 103: UPI, 104: PAYTM).
[ifsccode]
说明:交易类型为 IMPS、NEFT、RTGS 时,此项为必传项。 Description: Receiver IFSC code. Strictly required if type is IMPS, NEFT, or RTGS.
[account] - 必填Required
说明:银行卡号。若类型为 UPI 则传 VPA/UPI ID;若类型为 PAYTM 则传 10 位手机号。 Description: Bank card number. If UPI, pass UPI ID; if PAYTM, pass 10-digit mobile number.
[personname] - 必填Required
说明:收款人真实姓名。Description: Receiver full name.
[callback] - 必填Required
说明:代付结果异步回调通知地址。Description: Asynchronous notification URL for payout results.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature.

接口响应Response

[code] (String)
说明:平台代码。返回 "0000" 代表代付请求受理成功。Description: "0000" means accepted successfully.
[msg] (String)
说明:返回的文字信息或错误描述。Description: Detailed status text message.

代付尼日利亚Payout Nigeria (NGN)

接口地址:Gateway URL: POST http://35.79.50.138:898/v1/withdrawalngn

Header: Content-Type: application/x-www-form-urlencoded

请求参数Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[outtradeno] - 必填Required
说明:商户唯一的代付订单号,系统内不可重复。Description: Unique merchant payout transaction reference number.
[fee] - 必填Required
说明:代付金额。(单位:分)Description: Payout amount. (Unit: Cents)
[bankid] - 必填Required
说明:代付目标银行编码ID(具体编码请参见第 14 项“附件下载”中的附录银行列表)。Description: Payout bank ID (Please refer to the attachment list in Section 14).
[bankaccount] - 必填Required
说明:收款人的尼日利亚本地银行账号。Description: Beneficiary bank account number.
[bankpersonname] - 必填Required
说明:收款人真实姓名。Description: Beneficiary full name.
[callback]
说明:代付结果异步回调通知地址。Description: Asynchronous notification URL for payout results.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature based on Section 1 rules.

查询响应Response Parameters

[code] (String)
说明:平台代码。返回 "0000" 代表代付请求受理成功。Description: Platform code. "0000" signifies a successful request acceptance.
[msg] (String)
说明:对应的错误或处理提示信息。Description: Response text message or error description.

代付USDTPayout USDT (TRC20)

接口地址:Gateway URL: POST http://35.79.50.138:898/v1/withdrawalusdt

Header: Content-Type: application/x-www-form-urlencoded

请求参数Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[outtradeno] - 必填Required
说明:商户唯一的http://35.79.50.138:999订单号,系统内不可重复。Description: Unique merchant payout transaction reference number.
[fee] - 必填Required
说明:代付金额。(单位:分,请注意严格按照换算汇率上传)Description: Payout amount. (Unit: Cents)
[address] - 必填Required
说明:用户的加密货币收款钱包地址,仅支持 TRC20 链。Description: Beneficiary crypto wallet address, ONLY TRC20 chain is supported.
[callback] - 选填
说明:代付结果异步回调通知地址。Description: Asynchronous notification URL for payout results.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature based on Section 1 rules.

接口响应Response Parameters

[code] (String)
说明:平台代码。返回 "0000" 代表代付请求受理成功。Description: Platform code. "0000" signifies a successful request acceptance.
[msg] (String)
说明:对应的错误或处理提示信息。Description: Response text message or error description.

代付查询Payout Query

接口地址:Gateway URL: POST http://35.79.50.138:898/v1/withdrawalquery

Header: Content-Type: application/x-www-form-urlencoded

请求参数Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID.
[outtradeno] - 必填Required
说明:需要查询的商户唯一代付订单号。Description: The unique merchant payout order number to query.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature based on Section 1.

接口响应 Response Parameters

[code] (String)
说明:平台代码。返回 "0000" 代表代付单据查询成功。 Description: Platform code. "0000" means query success.
[fee] (Numeric)
说明:申请代付的订单金额。(单位:分) Description: Total payout order amount. (Unit: Cents)
[state] (Numeric)
说明:核心代付状态码。数字映射如下:
0: 未处理 , 1 | 4: 打款处理中 , 7: 驳回申请(资金退回余额) , 8: 打款失败 , 9: 打款成功(终态)
Description: Payout status code. Mappings:
0: Unprocessed , 1 | 4: In progress , 7: Rejected (Refunded) , 8: Payout failed , 9: Payout success
[errstr] (String) - 选填
说明:详细错误信息。当 state 为 7 或 8 时返回具体被驳回或打款失败的原因。 Description: Detailed failure reason. Returned only when state is 7 or 8.
[msg] (String)
说明:提交非成功时显示具体错误信息。 Description: Text status or global error description string.

印度UTR补单India UTR Supplement

接口地址:Gateway URL: POST http://35.79.50.138:999/v1/utrorder

Header: Content-Type: application/x-www-form-urlencoded

请求参数Request Parameters

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID.
[outtradeno] - 必填Required
说明:需要提交补单的商户原始订单号。Description: Unique merchant transaction order number.
[utr] - 必填Required
说明:用户付款成功后获得的印度银行唯一 UTR 流水号(通常为 12 位纯数字)。Description: Unique 12-digit UTR reference number from user's bank.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature string based on rules.

接口响应 Response Parameters

[code] (String)
说明:平台代码。返回 "0000" 代表补单请求处理完毕。 Description: Platform code. "0000" signifies that the request has been processed.
[orderstatus] (Numeric)
说明:核心补单执行状态。数字映射如下:
99: 补单成功(账单已成功匹配并更新) | 0: 补单失败,匹配不成功(请转人工客服进一步核账)
Description: Core supplement execution status. Mappings:
99: Supplement success (Transaction matched & updated) | 0: Supplement failed / Match mismatch (Please contact support for manual audit)
[msg] (String)
说明:对应的结果提示信息或具体错误描述。 Description: Status descriptor text or explicit error message.

尼日利亚补单Nigeria SID Supplement

账单状态查询地址SID Status Query Endpoint: POST http://35.79.50.138:999/v1/sidquery

Header: Content-Type: application/x-www-form-urlencoded

查询请求参数 (Query Request)Query Request Fields

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID assigned by platform.
[outtradeno] - 必填Required
说明:需要验证账单状态的原始商户代收订单号。Description: Unique merchant transaction order number to query.
[sign] - 必填Required / 不参与签名
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature based on rules.

查询响应参数Query Response Fields

[code] (String)
说明:平台状态码。返回 "0000" 代表查询账单动作成功。 Description: Platform status code. "0000" indicates query successfully completed.
[sidstatus] (Numeric)
说明:上游账单核心状态。数字映射如下:
0: 账单未支付 (Unpaid) | 1: 账单支付成功 (Paid Success) | 2: 账单已过期失效 (Expired) | 3: 异常流水挂起 (Suspended)
Description: Core upstream bill status. Mappings:
0: Unpaid | 1: Paid Success | 2: Expired | 3: Suspended
[msg] (String)
说明:返回的文字状态描述或具体报错信息。 Description: Status descriptor text or explicit error message.

正式流水补单地址Official SID Supplement Endpoint: POST http://35.79.50.138:999/v1/sid

Header: Content-Type: application/x-www-form-urlencoded

补单请求参数Supplement Request Fields

[uid] - 必填Required
说明:平台分配给您的唯一商户编号。Description: Unique merchant ID.
[outtradeno] - 必填Required
说明:需要提交补单的原始商户订单号。Description: Unique merchant order number for supplement.
[ssid] - 必填Required
说明:尼日利亚本地银行侧核心交易 UTR/SID 流水凭证号。Description: Bank side core transaction UTR/SID reference code.
[sign] - 必填Required
说明:依据第 1 项规则计算出的 32 位 MD5 大写字符串。Description: Uppercase MD5 signature based on rules.

补单响应结果Supplement Response

[code] (String)
说明:平台状态码。返回 "0000" 代表本次尼日利亚流水补单执行成功。 Description: Status code. "0000" indicates that the supplement was successful.
[msg] (String)
说明:返回的文字提示或具体的报错信息。 Description: Status descriptor text or explicit error message.

代付回调Payout Callback

🔔 通知方式:🔔 Notification Method: 平台系统在代付单据执行出款完毕(成功/失败/驳回)后,将以 POST 的方式,主动通知到商户在代付请求时留下的异步接口地址(callback)。 The platform system will actively send a POST request to the asynchronous interface address (callback) provided during the payout request after execution completion (Success/Failed/Rejected).

⚠️ 成功应答标准:⚠️ Success Response Standard: 商户系统接收到代付异步结果并处理成功后,必须在页面直接输出纯文本小写 "success"(不带任何额外的 HTML 标签或双引号)。否则,平台会触发重试机制,每隔一段时间重复发送通知,直至收到正确应答或触发最大重试次数。 Upon successfully receiving and processing the payout result notification, the merchant server must output the plaintext lowercase "success" directly on the page. Otherwise, the platform will trigger a retry mechanism, sending notifications periodically until a valid response is received or max retries are reached.

代付回调参数明细 Payout Callback Parameters

[uid]
说明:平台分配给您的唯一商户编号。 Description: Unique merchant ID assigned to your account.
[outtradeno]
说明:商户系统发起代付请求时提交的唯一代付订单流水号。 Description: The unique merchant payout transaction reference number originally submitted.
[fee]
说明:申请代付的出款总金额。(单位:分) Description: Total transaction amount applied for payout. (Unit: Cents)
[state]
说明:代付单据最终处理状态码。数字映射如下:
7: 驳回申请(资金已自动退回您的商户余额) | 8: 代付打款失败 | 9: 代付成功(款项已成功结算至收款人账户)
Description: Final payout execution status code. Mappings:
7: Rejected (Funds automatically refunded to merchant balance) | 8: Payout failed | 9: Payout success (Settled to recipient successfully)
[errstr] 不参与签名Not participating in the signing
说明:详细原因。当 state 为 7 或 8 时返回具体被平台驳回或银行侧出款失败的明确信息。 Description: Failure reason details. Returned only when state is 7 or 8.
[sign]
说明:平台对代付通知报文生成的验证签名。包含上述所有有值的参数按字典序规则拼接,最后加 keyvalue 计算出的 MD5 大写字符串。(商户收到回调后必须以此校验合法性) Description: Verification signature computed by the platform. Sign itself is excluded from computation. (Merchants must verify this signature to secure endpoints)
[serial]
说明:IFPay 平台内部生成的系统唯一代付交易流水号,用于排查单据。 Description: Globally unique platform payout transaction serial number generated by IFPay.
[payment]
说明:底层银行网络或第三方出款通道返回的核心物理交易凭证流水号。 Description: Third-party payout channel or upstream banking network reference transaction code.
[msg]
说明:平台返回的代付结果状态文字简短描述(如成功、处理中或具体的常规失败提示)。 Description: Brief text descriptor of the payout status result or general processing message.

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