分期码

接口对接顺序

商户请求[分期收银台创单接口](https://api-doc.lianlianpay.com/openplatform/api-3477923)，支付方式选择STAGE_CODE_PAY (分期码)，payload中的gateway_url字段返回银联聚分期收银台链接 用户跳转到银联聚分期收银台进行支付，支付成功后给商户发送异步通知

:::highlight yellow 📌
可以通过扩展字段固定登录用户的三要素（姓名、身份证号、手机号）
:::

示例请求

{
    "mch_id": "402302150000021696",
    "timeStamp": "20241220104141",
    "user_id": "USR20241220104101169471",
    "txn_seqno": "PUR20241220104141087829",
    "txn_time": "20241220104141",
    "order_amount": "6749.00",
    "order_info": "YX20241220104138065167",
    "notify_url": "https://crcard.cmft.com.cn/ecology-ogw-gatway/ecology-card-installment-business/v1/credit-card/lian-lian-pay/order-result-notify",
    "pay_expire": "29",//订单有效时间29分钟
    "pay_type": "STAGE_CODE_PAY",//CREDIT_STAGES_PAY信用卡分期（跳转连连信用卡收银台，底层用银联无卡快捷能力）;STAGE_CODE_PAY  分期码（银联分期码，跳转到银联的聚分期收银台进行支付）;JDBT_CREDIT_STAGES_PAY（京东白条分期）
    "user_ip": "127.0.0.1",
    "discount_mode": "merchant",
    "return_url": "https://crcard.cmft.com.cn/front-msa/ECIPay/?addr_back=1&orderNo=INS20241220104101230724&orderDate=20241220",
    "stage_info": {
        "stage_num": "24",//分期期数24期
        "support_bank_code": "03010000"
    },
    "goods_info": {
        "goods_id": "172****7475",
        "goods_name": "岳**"
    },
    "store_info": {
        "store_id": "11-DEP1000240502"
    },
    "share_info": {
        "share_list": [
            {
                "share_uid": "11-DEP1000240502",
                "share_memo": "入账商户",
                "share_amount": "6701.76"
            }
        ]
    },
    "extend_info": "{\"busi_mode\":\"ONLINE\",\"busi_scene\":\"PHONE_STAGE\",\"certification_id\":\"522123198612040514\",\"certification_type\":\"01\",\"customer_name\":\"岳清卫\",\"login_status\":\"1\",\"need_chnl_data\":\"true\",\"phone_no\":\"17264327475\",\"province_code\":\"500000\"}",
    "req_reserved": "{\"client_type\":\"01\"}"
}

响应报文

{
    "ret_code": "0000",
    "ret_msg": "交易成功",
    "mch_id": "402302150000021696",
    "txn_time": "20241220104141",
    "txn_seqno": "PUR20241220104141087829",
    "platform_txno": "2024122066206597",
    "order_amount": "6749.00",
    "payload": "{\"gateway_url\":\"https://fts.unionpay.com/aps/aps1/dynamic/loading.html#loading?id=a18b776ddfa5b19ea59b8ba3401c760c112334f40a90175397873ea357f66185\"}"
}

常见问题

1. 退款有效期
   A:支持原单180天内退款
2. 聚分期收银台提示余额不足
   A:用户银行卡额度不足，可建议客户查询信用卡剩余额度确认
3. 退款金额不能小于等于优惠金额
   订单有营销金额，首次退款金额必须大于营销金额。订单已部分退款，剩余可退金额少于营销金额，可以正常退款。
4. 支付成功页面的返回首页是哪个地址
   创单时传的return_url
5. 分期收银台一键绑卡失败常见原因

• 该客户没有可签约的银行
• 身份认证短信次数超过当前时间限制
• 客户未预留手机号,请与银行联系
• 同账号当日签约失败次数超过付款行限制
• 签约人账户为签约行不支持快捷支付的账户
• 客户身份核实失败
• 签约人四要素信息与签约行记录不符