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Example code of ydzs/yun-pay

Informations about the package yun-pay

yun-pay-rsa

云账户综合服务平台api调用相关封装

本包主要调用方式分为两种

1.传入参数对象调用服务

2.链式操作调用

具体看tests目录的例子

pay.php 打款接口

1）银⾏卡实时下单
2）⽀付宝实时下单
3）企业付款⾄⽤户微信零钱实时下单
4）查询⼀个订单
5）回调消息通知
注意： 云账户异步回调商户状态，提现订单的具体打款结果可根据回调信息中的状态字段(status)进行判断，详细状态描述如下：

提现渠道 成功 失败 挂单 退汇 取消
(status: 1) (status: 2) (status: 4) (status: 9) (status: 15)
银行卡 中间态 终态 中间态 终态 终态
支付宝 终态 终态 中间态 × 终态
微信 终态 终态 中间态 × 终态

关于订单状态重点说明： 

银行卡提现时成功为中间态。银行卡提现时可能会存在银行退汇的情况，退汇会造成银行卡提现状态由成功变为退汇失败；     
订单挂起为中间态。挂单表示当前订单打款条件不满足，订单暂停处理。造成挂单的原因有多种，例如账户余额不足、用户未签约、董高监打款拦截等；     
订单退汇为终态。只有银行卡提现时可能会出现，这种情况订单会响应两次回调，一次为成功回调，一次为退汇回调，两次回调的时间间隔一般会大于24小时；        
订单取消为终态。只有挂起的订单可以取消，取消订单之后会发送该回调。

6）查询商户余额
7）查询电⼦回单
8）取消待打款订单
============================================
data.php 数据接口
1）查询⽇订单⽂件
2）查询⽇流⽔⽂件
3）查询商户充值记录
4）查询⽇订单数据
5）查询⽇订单⽂件 (打款和退款订单)
============================================
verify.php 用户信息验证
1.1）银⾏卡四要素请求鉴权（下发短信验证码）
1.2）银⾏卡四要素确认鉴权（上传短信验证码）
2）银⾏卡四要素验证
3）银⾏卡三要素验证
4）身份证实名验证
5）上传⽤户免验证名单信息
6）查看⽤户免验证名单是否存在
7）银⾏卡信息查询接⼝
=============================================
invoice.php 发票接口
1）查询商户已开具发票⾦额和待开具发票⾦额
2）查询可开票额度
3）开票申请
4）查询开票申请状态
5）开票完成通知
6）下载发票PDF
=============================================
tax.php 个税扣缴
1）下载个税扣缴明细表
=============================================
h5sign.php H5用户签约
1）H5预申请签约接⼝
2）H5签约接⼝
3）获取⽤户签约状态
4）H5对接测试解约接⼝
5）H5签约回调
=============================================
aic.php 个体工商户注册
2） ⼯商实名信息录⼊接⼝
3） 预启动接⼝
4） 查询个体⼯商户注册状态接⼝
5） 个体⼯商户注册结果回调详情

All versions of yun-pay with dependencies

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Requires php Version ^7.0
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