交易 - UQPAY Developer Docs

{
  "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": ""
  }
}

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

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

event_id

string<uuid>

必填

A unique identifier for this event.

event_name

enum<string>

必填

Top-level event category. Always ISSUING for card issuance events.

可用选项:

ISSUING

event_type

enum<string>

必填

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

source_id

string

必填

Transaction ID.

version

string

必填

API version number.

示例:

"V1.6.0"

data

object

Transaction details associated with the event.

Show child attributes

响应

200

Return 200 to acknowledge receipt.

持卡人更新卡片手续费

卡片生命周期

卡片余额

持卡人与 KYC

交易

风险控制

安全与激活

转账

报表

交易

事件类型

识别ATM交易

请求体

响应

​事件类型

​识别ATM交易

请求体

响应

事件类型

识别ATM交易