MertaLink API 文档

快速、安全、可靠的支付解决方案

API 特性

RESTful API 设计，简单易用
支持 PHP、Python、Golang 等多种语言
完整的支付流程：支付、查询、代付等
实时回调通知
MD5 和 SHA256 签名验证

基本规则

Request URL

生产环境：

https://api.mertalink.com/merta-api

Request Method

POST

Content-Type

application/json

支付接口

API URL: /payment

创建新的支付订单

POST

请求参数

参数名	说明	类型	必填	例子
merchantCode	商户号	String	Y	test
orderNumber	用户订单号	String	Y	1604384758793
amount	金额	Integer	Y	40000
phone	电话	String	Y	08123456789
email	Email	String	Y	test@test.com
userName	名称	String	Y	John Doe
walletNumber	钱包账号	String	N	08821900000
channelCode	渠道编码	String	Y	M1
returnUrl	返回地址	String	N	http://test/return
callbackUrl	回调地址	String	Y	http://test/callback
sign	签名	String	Y	MD5(...)

签名规则

MD5(amount + callbackUrl + channelCode + merchantCode + orderNumber + md5_key)

响应参数

参数名	说明	类型	例子
code	返回码	String	000
message	返回消息	String	success
orderNumber	订单号	String	O3915CB3C93E445C9
paymentUrl	支付地址	String	http://xxx.xxx/
qrcode	二维码	String	QRIS支付会返回

请求示例

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "amount": 40000,
  "phone": "08123456789",
  "email": "test@test.com",
  "userName": "John Doe",
  "channelCode": "M1",
  "returnUrl": "http://test/return",
  "callbackUrl": "http://test/callback",
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "message": "success",
  "orderNumber": "O3915CB3C93E445C9",
  "paymentUrl": "http://xxx.xxx/",
  "qrcode": "data:image/png;base64,..."
}

代码示例

package com.customer.demo;

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;

import java.util.HashMap;
import java.util.Map;

public class ZkpayPaymentDemo {

 public static void main(String[] args) {

 String url = "https://api.mertalink.com/merta-api/payment";

 String merchantCode = "test";
 String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
 String orderNumber = System.currentTimeMillis() + "";
 Integer amount = 40000;
 String phone = "08123456789";
 String email = "test@test.com";
 String userName = "John Doe";
 String channelCode = "M1";
 String returnUrl = "http://test/return";
 String callbackUrl = "http://test/callback";
 Digester md5 = new Digester(DigestAlgorithm.MD5);

 String signOrigin = amount + callbackUrl + channelCode + merchantCode + orderNumber + key;
 String sign = md5.digestHex(signOrigin);
 System.out.println(sign);
 Map<String, Object> param = new HashMap<>();
 param.put("merchantCode", merchantCode);
 param.put("orderNumber", orderNumber);
 param.put("amount", amount);
 param.put("phone", phone);
 param.put("email", email);
 param.put("userName", userName);
 param.put("channelCode", channelCode);
 param.put("returnUrl", returnUrl);
 param.put("callbackUrl", callbackUrl);
 param.put("sign", sign);

 String sendParam = JSON.toJSONString(param);
 System.out.println("request==> " + sendParam);

 String result = HttpUtil.post(url, sendParam, 10000);

 System.out.println("response==> " + result);

 }

}

支付查询

API URL: /checkPayment

查询支付订单状态

POST

请求参数

参数名	说明	类型	必填	例子
merchantCode	商户号	String	Y	test
orderNumber	用户订单号	String	Y	1604384758793
sign	签名	String	Y	MD5(...)

签名规则

MD5(merchantCode + orderNumber + md5_key)

响应参数

参数名	说明	类型	例子
code	返回码	String	000
status	支付状态	int	0 待支付, 1 成功, 2 失败
amount	支付金额	Integer	40000

请求示例

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "status": 1,
  "amount": 40000
}

代码示例

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;
import java.util.HashMap;
import java.util.Map;

public class CheckPaymentDemo {
  public static void main(String[] args) {
    String url = "https://api.mertalink.com/merta-api/checkPayment";
    String merchantCode = "test";
    String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
    String orderNumber = "1604384758793";
    
    Digester md5 = new Digester(DigestAlgorithm.MD5);
    String signOrigin = merchantCode + orderNumber + key;
    String sign = md5.digestHex(signOrigin);
    
    Map<String, Object> param = new HashMap<>();
    param.put("merchantCode", merchantCode);
    param.put("orderNumber", orderNumber);
    param.put("sign", sign);
    
    String sendParam = JSON.toJSONString(param);
    String result = HttpUtil.post(url, sendParam, 10000);
    System.out.println("response==> " + result);
  }
}

代付接口

API URL: /disbursement

发起代付请求

POST

请求参数

参数名	说明	类型	必填
merchantCode	商户号	String	Y
orderNumber	用户订单号	String	Y
amount	金额	Integer	Y
bankAccount	银行账号	String	Y
bankCode	银行编码	String	Y
sign	签名	String	Y

签名规则

SHA256(amount + bankAccount + bankCode + callbackUrl + channelCode + merchantCode + orderNumber + sha256_key)

请求示例

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "amount": 50000,
  "bankAccount": "1234567890",
  "bankCode": "BCA",
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "message": "success",
  "orderNumber": "1604384758793"
}

代码示例

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;
import java.util.HashMap;
import java.util.Map;

public class DisbursementDemo {
  public static void main(String[] args) {
    String url = "https://api.mertalink.com/merta-api/disbursement";
    String merchantCode = "test";
    String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
    String orderNumber = "1604384758793";
    Integer amount = 50000;
    String bankAccount = "1234567890";
    String bankCode = "BCA";
    String callbackUrl = "http://test/callback";
    String channelCode = "B1";

    Digester sha256 = new Digester(DigestAlgorithm.SHA256);
    String signOrigin = amount + bankAccount + bankCode + callbackUrl + channelCode + merchantCode + orderNumber + key;
    String sign = sha256.digestHex(signOrigin);

    Map<String, Object> param = new HashMap<>();
    param.put("merchantCode", merchantCode);
    param.put("orderNumber", orderNumber);
    param.put("amount", amount);
    param.put("bankAccount", bankAccount);
    param.put("bankCode", bankCode);
    param.put("sign", sign);

    String sendParam = JSON.toJSONString(param);
    String result = HttpUtil.post(url, sendParam, 10000);
    System.out.println("response==> " + result);
  }
}

代付查询

API URL: /checkDisbursement

查询代付订单状态

POST

请求参数

参数名	说明	类型	必填	例子
merchantCode	商户号	String	Y	test
orderNumber	用户订单号	String	Y	1604384758793

签名规则

SHA256(merchantCode + orderNumber + sha256_key)

请求示例

{
  "merchantCode": "test",
  "orderNumber": "1604384758793",
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "status": 1,
  "amount": 50000
}

代码示例

import cn.hutool.crypto.digest.DigestAlgorithm;
import cn.hutool.crypto.digest.Digester;
import cn.hutool.http.HttpUtil;
import com.alibaba.fastjson.JSON;
import java.util.HashMap;
import java.util.Map;

public class CheckDisbursementDemo {
  public static void main(String[] args) {
    String url = "https://api.mertalink.com/merta-api/checkDisbursement";
    String merchantCode = "test";
    String key = "Gjon5exBp34mkNUU0r4wk2delkbclF4i";
    String orderNumber = "1604384758793";

    Digester sha256 = new Digester(DigestAlgorithm.SHA256);
    String signOrigin = merchantCode + orderNumber + key;
    String sign = sha256.digestHex(signOrigin);

    Map<String, Object> param = new HashMap<>();
    param.put("merchantCode", merchantCode);
    param.put("orderNumber", orderNumber);
    param.put("sign", sign);

    String sendParam = JSON.toJSONString(param);
    String result = HttpUtil.post(url, sendParam, 10000);
    System.out.println("response==> " + result);
  }
}

可用渠道查询

API URL: /queryChannel

查询可用支付渠道

POST

请求参数

参数名	说明	类型	必填	例子
merchantCode	商户号	String	Y	test
timestamp	时间戳	Long	Y	1604384758793

签名规则

MD5(merchantCode + timestamp + key)

请求示例

{
  "merchantCode": "test",
  "timestamp": 1604384758793,
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "channels": [
    {
      "channelCode": "M1",
      "channelName": "QRIS",
      "minAmount": 1000,
      "maxAmount": 10000000
    }
  ]
}

余额查询

API URL: /checkBalance

查询商户余额

POST

请求参数

参数名	说明	类型	必填	例子
merchantCode	商户号	String	Y	test
timestamp	时间戳	Long	Y	1604384758793

签名规则

SHA256(merchantCode + timestamp + sha256_key)

请求示例

{
  "merchantCode": "test",
  "timestamp": 1604384758793,
  "sign": "a1b2c3d4e5f6..."
}

响应示例

{
  "code": "000",
  "balance": 1000000
}

异步回调

支付回调

支付完成后，系统会向您配置的 callbackUrl 发送 POST 请求

回调参数

参数名	说明	类型	示例
orderNumber	商户订单号	String	1604384758793
status	订单状态：0待支付,1成功,2失败	Integer	1
amount	支付金额	Integer	40000
sign	签名：MD5(orderNumber + status + amount + key)	String	a1b2c3d4e5f6

回调示例

{
  "orderNumber": "1604384758793",
  "status": 1,
  "amount": 40000,
  "sign": "a1b2c3d4e5f6"
}

应答：请返回字符串 "success" 确认收到回调

代付回调

代付完成后，系统会向您配置的 callbackUrl 发送 POST 请求

回调参数

参数名	说明	类型	示例
orderNumber	商户订单号	String	1604384758793
status	订单状态：0处理中,1成功,2失败	Integer	1
amount	代付金额	Integer	50000
sign	签名：SHA256(orderNumber + status + amount + key)	String	a1b2c3d4e5f6

回调示例

{
  "orderNumber": "1604384758793",
  "status": 1,
  "amount": 50000,
  "sign": "a1b2c3d4e5f6"
}

应答：请返回字符串 "success" 确认收到回调

支付渠道编码对照表

渠道编码列表

channel_code	bank_name
QRIS	QRIS
VC	Credit Card (Visa / Master)
BK	BCA KlikPay
BCA	BCA Virtual Account
BBC	BCA BC
M1	Mandiri Virtual Account
ME	Mandiri eCash
MP	Mandiri PC
BT	Permata Bank Virtual Account
PN	Permata Net
A1	ATM Bersama
B1	CIMB Niaga Virtual Account
I1	BNI Virtual Account
VA	Maybank Virtual Account
M2U	Maybank2U
FT	Ritel
OV	OVO
LA	LINKAJA
DANA	DANA
SP	Shopee Pay
SA	Shopee Pay Apps
AG	Bank Artha Graha

银行编码对照表

银行编码列表

bank_code	bank_name
BCA	Bank BCA
BRI	Bank BRI
MANDIRI	BANK MANDIRI
BNI	BANK BNI 46
CIMB	BANK CIMB NIAGA
PERMATA	BANK PERMATA
BJB	Bank BJB
DANAMON	BANK DANAMON INDONESIA
BTN	Bank BTN
MAYBANK	BANK MAYBANK INDONESIA
SINARMAS	BANK SINARMAS
PANIN	BANK PANIN
BNI_SYR	BANK BNI SYARIAH
MANDIRI_SYR	BANK SYARIAH MANDIRI
DKI	BPD DKI JAKARTA
MEGA	BANK MEGA
BSI	BSI (Bank Syariah Indonesia)
BTPN	Bank BTPN
BRI_SYR	BANK BRI SYARIAH
MUAMALAT	BANK MUAMALAT INDONESIA
OCBC	BANK OCBC NISP
OVO	OVO
LINKAJA	LINKAJA