Paytend Funding Notification

Paytend Funding Notification API allows you to obtain transaction credit notifications of your Paytend account in real time, and you can also query the account balance to help you understand the dynamics of funds in real time. This feature is enabled by default for all Paytend business bank account customers, ensuring you don’t miss any money flow information.

The Paytend Funding Notification API provides the following main features:

2.1 Real-time transaction notification

• Real-time Notification: API allows you to receive real-time notifications of transactions in your Paytend account, including deposits, transfers, payments, collections and other transaction activities. This helps you instantly know what's going on in your account.

2.2 Check account balance

• Account Balance Query: You can use the API to query the balance information of your Paytend account so that you can know the available funds in the account at any time.

Paytend Funding Notification API is suitable for a variety of usage scenarios, including but not limited to the following:

• Corporation Financial Management: Help corporation and their financial departments track and manage the flow of funds to ensure the stable operation of the business.
• Real-time transaction monitoring: For applications that require real-time monitoring of transaction activities, such as payment processing, fund settlement, etc., the API provides timely notifications.
• Account Inquiry Service: Provides customers with account balance inquiry services to facilitate them to check their account status at any time.

Detailed access and integration documentation will be provided on the Paytend official website, including information such as API endpoints, authentication, request examples, and response examples. Customers can access according to the documentation and customize the integration according to their needs.

4.1 Interface communication method

• Communication Method

  Communicate using HTTPS, the message format is JSON

• Character Set

  Messages are uniformly encoded in UTF-8

4.2 Signature verification field description

• bizData: Encrypted by randomly generated AES KEY.
• randomKey: AES KEY is encrypted by Paytend public key.
• signature: The signature source string is composed of all non-empty field contents except the signature field, sorted according to the ASCII code of the message field, and connected with the "&" symbol in the manner of "field name = field value".
  • for example: Send SMS verification code to request data

{
  "randomKey":"qeM/mnvepEv5MFe7n77brQ==",
  "requestId":"20231025102930718",
  "signType":"RSA",
  "bizData":{
    "mobile":"13261402222",
    "type":"1"
  },
  "partnerId":"888666000100260",
  "version":"2.0"
}

The signature source string signature is as follows. The signature source string uses the partner RSA private key signature to generate the signature.

bizData={"mobile":"8613261402222","type":"1"}&partnerId=888666000100260&randomKey=gNx86vc1yttHs8ZWOf7+5g==&requestId=20231025095118321&signType=RSA&version=2.0

• Precautions
  • The signature algorithm of RSA is SHA256withRSA.
  • The maximum encrypted plaintext length of RSA is 117.
  • The maximum decryption ciphertext length of RSA is 128.
  • The signature field in the request data is generated by the Partner RSA private key signature.
  • The signature field in the response data is generated by the Paytend RSA private key signature.
  • randomKey and bizData plain text participate in the signature.
  • For specific implementation, please refer to the Sandbox demo in Support and Contact
  • When decrypting the returned data or verifying the signature, you need to first determine whether the field has a value. Some errors will not result in a signature, such as: The request field type is wrong.

Data security is crucial in the financial sector. Paytend Funding Notification API uses advanced security measures to ensure that customers’ account information and transaction notifications are protected and comply with financial industry security standards.

• Dictionary