> For the complete documentation index, see [llms.txt](https://docs.coda.co/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coda.co/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/hou-duan-fei-ka-pian-api-ji-cheng/hou-duan-api-qu-dao-liu-cheng-jian-shu.md).

# 后端API渠道流程简述

## <mark style="color:purple;">运营商支付 (DCB)</mark>

运营商支付允许用户将购买费用直接记入其手机账户中。付款通过发送到用户手机的短信进行验证，且交易可立即处理完成。

授权交易的过程可能会根据支付渠道的不同而有所变化，客户所需提供的信息也可能有所不同。

## <mark style="color:purple;">电子钱包</mark>

使用电子钱包支付方式时，商家将收到一个重定向链接，客户通过该链接完成支付。此链接可以直接打开电子钱包应用程序（深度链接），或者引导到一个重定向页面，客户需要在该页面提供额外信息并授权支付。

## <mark style="color:purple;">银行转账</mark>

用户可通过ATM、银行柜台或在线银行进行银行转账支付。商户会收到一个唯一的支付代码，用户需在银行转账时输入该代码完成交易。

## <mark style="color:purple;">卡支付</mark>

该方式允许用户使用信用卡或借记卡完成支付。用户会被重定向到合作伙伴的支付页面，在页面上输入卡信息并完成支付。

## <mark style="color:purple;">代金券（现金卡）</mark>

{% hint style="info" %}
&#x20;**注意：** 使用代金券进行支付时，请确保您的系统已配置双重验证功能。更多详情，请参考[这里](/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/can-kao-zi-liao/zhi-chi-de-zhi-fu-qu-dao/jie-ru-dian-ka-qu-dao-shi-xu-yao-te-bie-zhu-yi-de-shi-xiang.md)
{% endhint %}

用户从发行商处购买代金券，并将其输入到Codapay支付窗口中以购买数字内容。

## <mark style="color:purple;">便利店支付</mark>

此方式允许用户在便利店完成支付或其他指定的付款柜台完成付款。用户从Codapay获取一个唯一的支付代码，并将其提供给便利店以完成交易。


---

# Agent Instructions
This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com.

## Querying This Documentation
If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question.

Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter:

```
GET https://docs.coda.co/https-coda-payments.gitbook.io-zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/hou-duan-fei-ka-pian-api-ji-cheng/hou-duan-api-qu-dao-liu-cheng-jian-shu.md?ask=<question>&goal=<endgoal>
```

`ask` is the immediate question: it should be specific, self-contained, and written in natural language.
`goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal.

The response will contain a direct answer to the question and relevant excerpts and sources from the documentation.

Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.