Airwallex：關(guān)聯(lián)賬戶擁有的付款，資金拆分到平臺賬戶

使用此模型，付款屬于您的關(guān)聯(lián)帳戶，而不是您作為平臺。關(guān)聯(lián)賬戶負(fù)責(zé)支付費(fèi)用、退款和拒付。資金將從關(guān)聯(lián)賬戶拆分為平臺賬戶。推薦用于連接賬戶直接與終端客戶交互并管理日常交易的情況，而平臺對每筆交易的參與度有限。典型案例包括SaaS平臺。

在這種模式下，平臺將代表關(guān)聯(lián)賬戶向Airwallex提交所有付款。為了表明這種關(guān)系，您需要使用x-on-behalf-of標(biāo)題指定連接帳戶的帳戶ID。

下圖說明了此模型中標(biāo)準(zhǔn)一次性100英鎊付款的流程。

筆記：

在托管支付頁面/嵌入字段/Drop-in/移動(dòng)集成的情況下，平臺可以繞過步驟2和3，但需要FundsSplit在收到成功捕獲支付的通知后創(chuàng)建請求。

平臺payment_intent代表具有id的連接帳戶創(chuàng)建100 GBP"acct_ad1KMcnQM2Wmo2PFSuvR2g"

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_intents/create' \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",

  "merchant_order_id": "cc9bfc13-ba30-483b-a62c-ee925fc9bfea",

  "amount": 100,

  "currency": "GBP"

}'

平臺payment_intent代表關(guān)聯(lián)賬戶確認(rèn)

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_intents/int_e65tkXCSzJrsMpTrzoFrjaa u53/confirm' \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",

  "payment_method": {

    "card": {

      "expiry_month": "12",

      "expiry_year": "2030",

      "number": "4111111111111111"

    }

  }

}'

payment_intent代表已連接帳戶使用100 GBP的平臺捕獲（您也可以通過選擇自動(dòng)捕獲跳過此過程）

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_intents/int_e65tkXCSzJrsMpTrzoFrjaa u53/capture’ \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",

  "amount": 100

}'

平臺FundsSplit代表關(guān)聯(lián)賬戶創(chuàng)建10英鎊，其中source_id等于payment_intent_id，destination等于平臺賬戶自己的account_id。平臺可用于metadata記錄有助于更好地識別每個(gè)拆分的值

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/funds_splits/create' \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "request_id": "ee939540-3203-4a2c-9172-89a566485dd9",

  "source_id": "int_e65tkXCSzJrsMpTrzoFrjaau53",

  "source_type":"PAYMENT_INTENT",

  "amount": 10, 

  "destination":"acct_ITNg64dHNgihu9rPpWeiMg",

  "metadata": { 

      "reason": "commission agreed with seller A"

  }

}'

資金將根據(jù)拆分部分結(jié)算到雙方的錢包，其中平臺收取10英鎊作為傭金，關(guān)聯(lián)賬戶收取85英鎊（扣除5英鎊Airwallex費(fèi)用）

筆記：

如果您想在此模型中創(chuàng)建定期付款，您還需要PaymentConsent代表已連接的帳戶創(chuàng)建和驗(yàn)證。

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_consents/create' \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "customer_id": "cus_aag4MsYdcgHc9UTjVUS15WPvmoX",

  "request_id": "88bf9327-0c10-4e87-b050-7c74ef11e1c6",

  "next_triggered_by": "merchant",

  "payment_method": {

    "id": "mtd_0eUIICYocwY8prvHWgWoODiGxPP",

    "type": "card"

  },

  "requires_cvc": false

}'

$ curl --request POST \

> 'https://pci-api-demo.airwallex.com/api/v1/pa/payment_consents/cst_u79lnfufjxxfdc0/verify' \

> -H 'Content-Type: application/json' \

> -H 'Authorization: Bearer eyJhbGciOiJIUzI1NiJ9.eyJzdWIiOiJ0b20iLCJyb2xlcyI6WyJ1c2VyIl0sImlhdCI6MTQ4ODQxNT I1NywiZXhwIjoxNDg4NDE1MjY3fQ.UHqau03y5kEk5lFbTp7J4a-U6LXsfxIVNEsux85hj-Q' \

> -H 'x-on-behalf-of: acct_ad1KMcnQM2Wmo2PFSuvR2g \

> -d'{

  "request_id": "88bf9327-0c10-4e87-b050-7c74ef11e1c6",

  "verification_options": {

    "card": { \

      "amount": 0,

      "currency": "GBP",

      "cvc": "string"

    } 

  }

}'