> 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-tai-api-diao-yong-liu-cheng-gai-lan/yin-hang-zhuan-zhang.md).

# 银行转账

## 银行转账调用流程

客户可以通过在 ATM、银行柜台或使用网上银行执行银行转账来支付订单。商家会在Profile字段中收到一个唯一的支付代码，客户需在银行转账详情中输入该代码。

<figure><img src="/files/kZnwHGYhC2Nt2Hj8rT4c" alt=""><figcaption></figcaption></figure>

## 请求参数

<table><thead><tr><th width="148">参数</th><th width="95">类型</th><th width="116">长度</th><th>描述</th></tr></thead><tbody><tr><td>api_key</td><td>String</td><td>256</td><td><strong>必填</strong><br>Coda提供的API密钥 - 请参考 <a data-mention href="/pages/Knn2G4Gd1ZPSUbSS0PUS">/pages/Knn2G4Gd1ZPSUbSS0PUS</a> 了解如何获取。</td></tr><tr><td>project_id</td><td>String</td><td>10</td><td><strong>此字段仅适用于 v2.0 API，必填项</strong><br>由 Coda 提供的 Project ID，对每个标题产品都是唯一的。<br>请参阅 <a data-mention href="/pages/Knn2G4Gd1ZPSUbSS0PUS">/pages/Knn2G4Gd1ZPSUbSS0PUS</a> 了解</td></tr><tr><td>order_id</td><td>String</td><td>64</td><td><p><strong>必填</strong></p><p>您在支付请求发起时传递的订单ID</p></td></tr><tr><td>country</td><td>Number</td><td>N/A</td><td><strong>必填</strong><br>ISO 3166 的国家代码 <a data-mention href="/pages/7B3qZnefeSwkSs84sKuB">/pages/7B3qZnefeSwkSs84sKuB</a></td></tr><tr><td>lang</td><td>String</td><td>2</td><td><p><strong>必填</strong></p><p><a data-mention href="/pages/lumiE4ZV7er3NqdusLTc">/pages/lumiE4ZV7er3NqdusLTc</a></p></td></tr><tr><td>type</td><td>Number</td><td>1</td><td><p>1：数字内容物品</p><p>2：非数字内容物品</p></td></tr><tr><td>pay_type</td><td>Number</td><td>1</td><td><p><strong>必填</strong></p><p>银行转账使用 <code>pay_type = 2</code>。<br><br>更多详情请参阅 <a data-mention href="/pages/9qMfw9ltzzDp2UjOhCld">/pages/9qMfw9ltzzDp2UjOhCld</a></p></td></tr><tr><td>pay_channel</td><td>Number</td><td>3</td><td>每个支付渠道的代码。</td></tr><tr><td>pay_at</td><td>Number</td><td>2</td><td><p>此字段指示客户应在哪里完成购买。</p><p></p><p>1 = 银行柜台<br>2 = 网络银行<br>3 = 在线账单支付<br>4 = 电子钱包<br>5 = 自动取款机<br>14 = 便利店</p></td></tr><tr><td>msisdn</td><td>Number</td><td>15</td><td><p>MSISDN（未格式化；不包含国家代码。</p><p>仅在需要 MSISDN 而非电子邮件时包含此项。</p></td></tr><tr><td>merchant_name</td><td>String</td><td>128</td><td><p><strong>可选</strong><br>如果您希望指定商家名称，请在此字段中输入名称。</p><p><br>默认值为空。</p></td></tr><tr><td>items</td><td>ItemInfo</td><td>N/A</td><td><p><strong>必填</strong></p><p>用户购买的商品列表</p></td></tr><tr><td>items[].code</td><td>String</td><td>128</td><td><p><strong>必填</strong></p><p>商家的商品代码</p></td></tr><tr><td>items[].name</td><td>String</td><td>128</td><td><p><strong>必填</strong></p><p>商品名称，仅支持拉丁字符</p></td></tr><tr><td>items[].price</td><td>Number</td><td>N/A</td><td><strong>必填</strong><br>已含税的商品价格（已含税），以请求中指定的货币计价</td></tr><tr><td>items[].type</td><td>Number</td><td>N/A</td><td><strong>必填</strong><br>默认值=1</td></tr><tr><td>profile</td><td>Map</td><td>N/A</td><td><strong>必填</strong><br><a data-mention href="#profile-zi-duan">#profile-zi-duan</a></td></tr></tbody></table>

## Profile 字段

<table><thead><tr><th width="146">参数</th><th width="106">类型</th><th width="110">长度</th><th>描述</th></tr></thead><tbody><tr><td>user_id</td><td>String</td><td>128</td><td><p><strong>必填</strong></p><p>客户的用户 ID</p></td></tr><tr><td>client_ip</td><td>String</td><td>15</td><td><strong>可选</strong><br>客户的 IP 地址 (仅支持IPv4)</td></tr><tr><td>name</td><td>String</td><td>128</td><td><strong>可选</strong><br>客户姓名</td></tr><tr><td>id_no</td><td>Number</td><td>14</td><td>可选<br>巴西/墨西哥/阿根廷的身份证明文件称为 CPF。</td></tr></tbody></table>

### 请求示例

以下是一些请求示例：

i. 带有 **MSISDN** - 印度尼西亚（BCA ATM）&#x20;

ii. 带有**电子邮件** - 土耳其银行转账&#x20;

iii. 带有 **Pay\_AT** - 银行（巴西 - PIX）

### v2.0 请求示例

{% tabs %}
{% tab title="带msisdn的示例" %}

```json
{
  "project_id": "1", //此字段仅适用于 2.0 API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "pay_at": "5",
  "msisdn": "<Your Number>",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}

{% tab title="带email的示例" %}

```json
{
  "project_id": "1", //此字段仅适用于 2.0 API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "email": "test@codapayments.com",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}

{% tab title="带pay\_at的示例" %}

```json
{
  "project_id": "1", //此字段仅适用于 2.0 API API
  "country": "360",
  "api_key": "test_e944d44f065eade8157737385a09",
  "order_id": "12345",
  "lang": "en",
  "merchant_name": "Codapay",
  "type": "1",
  "pay_type": "2",
  "pay_channel": "9",
  "email": "test@codapayments.com",
  "items": [
    {
      "code": "1",
      "name": "Test Item",
      "price": 11000.0
    }
  ],
  "profile": {
    "name": "Test Name",
    "user_id": "12345"

  }
}
```

{% endtab %}
{% endtabs %}

### v1.0 请求示例

{% tabs %}
{% tab title="带msisdn的示例" %}

```json
{
    "api_key":"<your api key>",
    "order_id":"<your order id>",
    "lang":"en",
    "merchant_name":"test in Coda",
    "pay_type":"2",
    "pay_channel":"1",
    "type":"1", 
    "msisdn":"<phone number>",
    "items":[{
        "code":"456789",
        "name":"GameCredit",
        "price":100000.00
    }],
    "profile":{
          "name":"test in Coda"}

}
```

{% endtab %}

{% tab title="带email的示例" %}

```python
{
    "api_key": "YOUR API KEY",
    "order_id": "123456",
    "lang": "tr",
    "merchant_name": "ebooks",
    "pay_type": "2", 
    "pay_channel": "-86",
    "type": "1",
    "email": "test@codapayments.com",

    "items": [
        {
            "code": "1",
            "name": "One Day",
            "price": 3
        }
    ],
    "profile":{
            "user_id":"12345"}
}
```

{% endtab %}

{% tab title="带pay\_at的示例" %}

```ruby
{
    "api_key":"<YOUR API KEY>",
    "order_id":"<Your OrderID>",
    "lang":"en",
    "merchant_name":"Codapay",
    "pay_type":"2",
    "pay_channel":"153",
    "type":"1",
    "pay_at":"5",
    "email":"test@codapayments.com",

    "items":[{
           "code":"1",
           "name":"Test Item",
           "price":3.0}],

    "profile":{
           "name":"Test Name",
           "id_no":"12345",
           "dateofbirth":"",
           "user_id":"12345",
           }
}
```

{% endtab %}
{% endtabs %}

## 响应参数

<table><thead><tr><th width="153.33333333333331">参数</th><th width="141">类型</th><th width="94">长度</th><th>描述</th></tr></thead><tbody><tr><td>result_code</td><td>Number</td><td>N/A</td><td><p>ResultCode将帮助指示交易的状态。<br></p><p><code>ResultCode = 0</code> 表示交易成功。<br><br>错误代码列表请参阅 <a data-mention href="/pages/Ijfanb3Eb2mtXRsbF81n">/pages/Ijfanb3Eb2mtXRsbF81n</a></p></td></tr><tr><td>result_desc</td><td>String</td><td>512</td><td>如果resultCode返回错误，则该值描述错误信息。</td></tr><tr><td>txn_id</td><td>Number</td><td>N/A</td><td>支付请求发起返回的Coda订单ID。</td></tr><tr><td>txn_timeout</td><td>Number</td><td>N/A</td><td>交易超时时间（分钟）</td></tr><tr><td>total_price</td><td>Number</td><td>N/A</td><td>用户支付的总金额，以本地货币计价。</td></tr><tr><td>pay_instructions</td><td>String</td><td>15</td><td>如果响应返回了此值，商家应在页面上向客户显示提供的支付指引。</td></tr><tr><td>profile</td><td>Object</td><td>N/A</td><td>请参考 <a data-mention href="#profile-zi-duan-1">#profile-zi-duan-1</a></td></tr></tbody></table>

## Profile 字段

<table data-full-width="false"><thead><tr><th width="169">参数</th><th width="165">类型</th><th width="107.33333333333331">长度</th><th>描述</th></tr></thead><tbody><tr><td>redirect_url</td><td>String</td><td>128</td><td>仅当所选支付渠道遵循重定向 URL 流程时，才返回支付网关的重定向 URL。</td></tr><tr><td>extInfoByte</td><td>String</td><td>128</td><td>请忽略此字段。</td></tr><tr><td>name</td><td>String</td><td>128</td><td>客户姓名。</td></tr><tr><td>payment_code</td><td>Number</td><td>N/A</td><td>由支付渠道生成的代码。</td></tr></tbody></table>

### 响应示例

{% tabs %}
{% tab title="带msisdn的示例" %}

```json
{
    "txn_id": <transaction id>,
    "txn_timeout": 1509,
    "result_code": 0,
    "total_price": 100000.0,
    "pay_instructions": "To complete the purchase by following the provided instruction, Enter the payment code 1900800000828075. Leave the transaction reference blank. Enter the payment amount if needed, your total purchase amount is Rp. 100.000. For more detailed instruction on how to pay, please refer to the payment link.",
   
    "profile": {
        "extInfoByte": "0",
        "paymentCode": "1900800000828075",
        "name": "test in Coda",
        "redirect_url": "https://sample_URL.com",
        "payment_code": "1900800000828075"
    }
}
```

{% endtab %}

{% tab title="带email的示例" %}

```python
{
    "txn_id": 1234567890,
    "txn_timeout": 35,
    "result_code": 0,
    "result_desc": null,
    "total_price": 3,
    "pay_instructions": "",

    "profile": {
        "extInfoByte": "0",
        "user_id":"12345",
        "redirect_url": "https:/sample_url.com",
        "payment_code": ""
    }
}
```

{% endtab %}

{% tab title="带pay\_at的示例" %}

```ruby
{
  "txn_id":"1234567890",
  "txn_timeout":7209,
  "result_code":431,
  "result_desc":"generic sub header",
  "total_price":3,
  "pay_instructions":"",

  "profile":{
        "zip":"12302",
        "extInfoByte":"1",
        "dateofbirth":"",
        "device_id":"5646e134-3300-4073-8f51-16431857eee0",
        "tax":"10","tax_rate":"10",
        "house_number_or_name":"10",
        "billing_street":"Main Street",
        "billing_city":"New York",
        "id_no":"88899988811",
        "user_id":"Testuser327",
        "name":"Yosep Joestar",
        "billing_address_line_2":"", 
        "state":"NY",
        "redirect_url":"https://sample_url.com",
        "payment_code":""}
}
```

{% endtab %}
{% endtabs %}

{% hint style="warning" %}
&#x20;<mark style="color:orange;">**USD 订单交易参考**</mark>

请查看[此指南](https://coda-payments.gitbook.io/zhong-wen-coda-private-technical-documentation/codapay/hou-duan-api-ji-cheng/usd-mei-jin)，了解更多关于 USD 交易的信息。
{% endhint %}


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