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ACH payouts

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      payout/payouts-US.md

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payout/payouts-US.md

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# API Domain URL
---
## Sandbox
* https://mapi.yuansfer.yunkeguan.com
## Production
* https://mapi.yuansfer.com
# Payee Registration
---
* {Domain}/v3/payee/register
### Request
|Field|M/C/O|Comment|
|---|---|---|
|merchantNo|Mandatory||
|storeNo|Mandatory||
|verifySign|Mandatory|signature|
|profileType|Mandatory|INDIVIDUAL, BUSINESS|
|dateOfBirth|Mandatory|payee's date of birth|
|timestamp|Mandatory|current timestamp in UTC timezone|
```json
{
"city": "hometown",
"country": "USA",
"countryCode": "US",
"customerCode": "1665425422",
"dateOfBirth": "1999-01-01",
"email": "[email protected]",
"firstName": "John",
"lastName": "Doe",
"merchantNo": "202333",
"phone": "1234567890",
"profileType": "INDIVIDUAL",
"state": "NY",
"storeNo": "301854",
"street": "123 main St",
"street2": "",
"timestamp": "2023-02-13T10:50:58Z",
"verifySign": "2e2294120492ca91b0be1db9a3c98c0e",
"zip": "10005"
}
```
### Response
```json
{
"ret_msg": "success",
"ret_code": "000100",
"customer":
{
"firstName": "John",
"lastName": "Doe",
"customerCode": "1665425422",
"createdTime": "2022-10-10T18:15:19Z",
"customerNo": "2000305228292319592008",
"email": "[email protected]"
}
}
```
# Rerieve Payee info
---
* {Domain}/v3/payee/retrieve
### Request
```json
{
"customerNo": "2000305228303182610217",
"merchantNo": "202333",
"storeNo": "301854",
"timestamp":"2023-02-13T12:35:14Z",
"verifySign": "d81e8e6f33ecdbff1985dbf0210572ce"
}
```
### Response
```json
{
"ret_msg": "query success",
"ret_code": "000100",
"customer": {
"zip": "10005",
"lastName": "Doe",
"country": "USA",
"updatedTime": "2023-02-13T11:46:37Z",
"payeeStatus": "Activated",
"city": "hometown",
"customerCode": "1665425123",
"dateOfBirth": "1999-01-01",
"firstName": "John",
"profileType": "INDIVIDUAL",
"phone": "1234567890",
"countryCode": "US",
"street": "123 main St",
"createdTime": "2023-02-13T11:45:37Z",
"state": "NY",
"lang": "en",
"customerNo": "2000305228303182610217",
"email": "[email protected]"
}
}
```
# Update payee info
* {Domain}/v3/payee/update
---
### Request
```json
{
"city": "hometown",
"country": "USA",
"countryCode": "US",
"dateOfBirth": "1999-01-01",
"firstName": "John",
"lastName": "Doe",
"merchantNo": "202333",
"phone": "123456789",
"profileType": "INDIVIDUAL",
"state": "NY",
"storeNo": "301854",
"street": "123 main St",
"street2": "",
"timestamp": "2023-02-13T12:37:58Z",
"customerNo": "2000305228303182610217",
"verifySign": "cb74eb92eebadc97445d559bc5501012",
"zip": "10006"
}
```
### Response
```json
{
"ret_msg": "update success",
"ret_code": "000100"
}
```
# Add payee funding source account
---
* `/v3/payee/account/create/bank-account`
### Request
|value|comments|
|---|---|
|branchId|The 9 digit routing number.|
|bankAccountId|The bank account number.|
|bankAccountPurpose|CHECKING, SAVINGS|
|clientIp|The creator's IP address|
```json
{
"accountCountry": "US",
"accountCurrency": "USD",
"accountTag": "1a52692711",
"accountType": "BANK_ACCOUNT",
"bankAccountId": "7861053298",
"branchId": "101089292",
"bankAccountPurpose":"CHECKING",
"customerNo": "2000305228303182610217",
"ipnUrl": "https://example.com/webhooks",
"merchantNo": "202333",
"storeNo": "301854",
"timestamp": "2023-02-13T11:50:58Z",
"clientIp":"127.0.0.1",
"verifySign": "23f56c32ddcd8732eced87f139d086d9"
}
```
### Response
```json
{
"result": {
"accountTag": "1a52692711",
"accountStatus": "ACTIVATED",
"country": "US",
"firstName": "John",
"lastName": "Doe",
"accountType": "BANK_ACCOUNT",
"currency": "USD",
"accountToken": "2010305228303182765718",
"customerNo": "2000305228292319592008",
"email": "[email protected]",
"timestamp": "2023-02-13T11:48:12Z"
},
"ret_msg": "success",
"ret_code": "000100"
}
```
# Retrieve payee funding source accounts(created above)
---
* {Domain}/v3/payee/payout-accounts
### Request
```json
{
"merchantNo": "202333",
"storeNo": "301854",
"customerNo": "2000305228292319592008",
"verifySign": "4b57c4ab6f2f71e7fd7cc6046fa5e78c",
"timestamp": "2023-02-13T11:53:58Z"
}
```
### Response
```json
{
"accounts": [
{
"accountTag": "1a52692711",
"country": "US",
"createdAt": "2023-02-13T11:48:13Z",
"accountType": "BANK_ACCOUNT",
"currency": "USD",
"accountToken": "2010305228303182765718",
"cardNumber": "****3298",
"status": "activated"
}
],
"ret_msg": "success",
"user": {
"firstName": "John",
"lastName": "Doe",
"customerCode": "1665425123",
"customerNo": "2000305228292319592008",
"email": "[email protected]"
},
"ret_code": "000100"
}
```
# Transfer
---
* {Domain}/v3/payouts/pay
### Request
```json
{
"accountToken": "2010305228303182765718",
"amount": "500",
"currency": "USD",
"customerNo": "2000305228292319592008",
"description": "thank you",
"invoiceId": "9aae4c685d824c5da746f97620c59eb5",
"ipnUrl": "https://example.com/webhooks",
"merchantNo": "202333",
"note": "Payouts, Thanks",
"storeNo": "301854",
"subject": "Payouts",
"timestamp": "2023-02-13T11:58:58Z",
"verifySign": "8b11e8f0d7f2a412f020f266110b57ba"
}
```
### Response
|value|comments|
|---|---|
|pending|Your payout request was received and will be processed|
|success|Funds have been credited to the recipient’s account|
|failed|This payout request has failed, so funds were not deducted from the sender’s account|
|returned|This payout request was cancelled|
```json
{
"result": {
"amount": "500.00",
"transactionNo": "305588797074336092",
"createdTime": "2023-02-13T11:58:59Z",
"invoiceId": "9aae4c685d824c5da746f97620c59eb5",
"currency": "USD",
"accountToken": "2010305228303182765718",
"customerNo": "2000305228303182610217",
"status": "pending"
},
"ret_msg": "succeeded",
"ret_code": "000100"
}
```
# Appendix
### Response Codes
|Code|Detail|
|---|---|
|000000|System Error|
|000020|Parameter Null Error|
|000021|Parameter No Related Information|
|000022|Parameters Do Not Match|
|000023|Parameter Value Error|
|000030|No Rights / Access Denied|
|000040|Account balance is not sufficient|
|000080|Supplier System's Error|
|000100|Success|
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