{
"version": "V1.6.0",
"event_name": "ISSUING",
"event_type": "issuing.transaction.authorization",
"event_id": "234fca01-1ace-4d34-baf5-29b10e9d11c0",
"source_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
"data": {
"authorization_code": "W6MJU9",
"billing_amount": "11.5",
"billing_currency": "USD",
"card_available_balance": "988.5",
"card_id": "50418faa-57a8-4ce2-9157-621b00b13a3b",
"card_number": "40963608****1764",
"cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
"description": "",
"fee_pass_through": "Y",
"merchant_data": [
{
"category_code": "5734",
"city": "",
"country": "",
"name": "Test Merchant"
}
],
"original_transaction_id": "",
"posted_time": "2026-04-12T15:27:39.563+08:00",
"short_transaction_id": "T260412-2AHV51KO5U68",
"transaction_amount": "10",
"transaction_currency": "USD",
"transaction_fee": "1.5",
"transaction_fee_currency": "USD",
"transaction_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
"transaction_status": "APPROVED",
"transaction_time": "2026-04-12T15:27:39.48+08:00",
"transaction_type": "AUTHORIZATION",
"wallet_type": ""
}
}交易
交易
当交易被授权、冲正、退款、结算或拒付时发送。
WEBHOOK
transaction
{
"version": "V1.6.0",
"event_name": "ISSUING",
"event_type": "issuing.transaction.authorization",
"event_id": "234fca01-1ace-4d34-baf5-29b10e9d11c0",
"source_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
"data": {
"authorization_code": "W6MJU9",
"billing_amount": "11.5",
"billing_currency": "USD",
"card_available_balance": "988.5",
"card_id": "50418faa-57a8-4ce2-9157-621b00b13a3b",
"card_number": "40963608****1764",
"cardholder_id": "25ea804d-7fd5-43d5-8792-0fc0214cdb2f",
"description": "",
"fee_pass_through": "Y",
"merchant_data": [
{
"category_code": "5734",
"city": "",
"country": "",
"name": "Test Merchant"
}
],
"original_transaction_id": "",
"posted_time": "2026-04-12T15:27:39.563+08:00",
"short_transaction_id": "T260412-2AHV51KO5U68",
"transaction_amount": "10",
"transaction_currency": "USD",
"transaction_fee": "1.5",
"transaction_fee_currency": "USD",
"transaction_id": "1a53aebf-900c-4e25-9852-b98f4338d94c",
"transaction_status": "APPROVED",
"transaction_time": "2026-04-12T15:27:39.48+08:00",
"transaction_type": "AUTHORIZATION",
"wallet_type": ""
}
}事件类型
| 事件类型 | 描述 |
|---|---|
issuing.transaction.authorization | 发卡行批准持卡人发起的交易，一般用于描述普通的交易或消费。 |
issuing.transaction.reversal | 取消或冲正之前的一笔交易，可能由于欺诈、操作错误或交易取消等原因发生，资金会退回到持卡人账户。 |
issuing.transaction.refund | 持卡人退回已购买的商品或服务时，商户将资金退回至持卡人所在的账户。 |
issuing.transaction.settlement.credit | 当结算金额低于原始交易金额时，差额资金返还至持卡人账户。 |
issuing.transaction.settlement.debit | 当结算金额高于原始交易金额时，从持卡人账户中扣除差额资金。 |
issuing.transaction.settlement.reversal | 撤销之前的结算交易，在发生错误时将资金返还给持卡人。 |
issuing.transaction.fund.collection | 持卡人卡账户从外部收到资金时，由发卡网络（如 Visa/Mastercard）回传给 UQPAY 的入账通知，并以 webhook 形式转发给您。区别于持卡人主动充值（CARD RECHARGE）和大账户充值（funding your issuing balance）。 |
issuing.transaction.fund.transfer | 资金划转已处理。 |
issuing.transaction.validation | 验证银行卡的合法性，确保持卡人信息正确且卡片处于有效状态，通常与授权流程同时进行。 |
issuing.transaction.atm.deposit | 通过取款机向账户存入现金的交易；UQPAY 暂不支持该类交易，但仍会记录该次交易事件。 |
issuing.transaction.chargeback.credit | 拒付入账已处理。 |
issuing.transaction.chargeback.debit | 拒付出账已处理。 |
识别ATM交易
如何识别ATM取现和余额查询
如何识别ATM取现和余额查询
两者都以
issuing.transaction.authorization 事件形式到达。ATM取现merchant_data[].category_code = 6011（MCC 6011 — 自动取现）。ATM余额查询merchant_data[].category_code = 6011 且 billing_amount = "0"。请求体
application/json
A unique identifier for this event.
Top-level event category. Always ISSUING for card issuance events.
可用选项:
ISSUING The specific event type that occurred.
可用选项:
issuing.transaction.authorization, issuing.transaction.reversal, issuing.transaction.refund, issuing.transaction.settlement.credit, issuing.transaction.settlement.debit, issuing.transaction.settlement.reversal, issuing.transaction.fund.collection, issuing.transaction.fund.transfer, issuing.transaction.validation, issuing.transaction.atm.deposit, issuing.transaction.chargeback.credit, issuing.transaction.chargeback.debit Transaction ID.
API version number.
示例:
"V1.6.0"
Transaction details associated with the event.
Show child attributes
Show child attributes
响应
200
Return 200 to acknowledge receipt.