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Payout API std1

Three calls: apply for a payout, query a payout, query your balance; when a payout has a result we call you back (see Callbacks). All are POST forms and every response is a flat JSON object.

Common rules

Requests: POST with Content-Type: application/x-www-form-urlencoded; charset=UTF-8. Parameters go in the body only; a query string on the URL is ignored.
Parameter names may contain only letters, digits and underscores; a parameter sent twice is rejected as a parameter error.
The request body must not exceed 65536 bytes.
Responses: HTTP 200, application/json; charset=UTF-8, a flat JSON object whose values are all strings (amounts too); fields without a value are left out.
HTTP other than 200, a body that is not JSON, or a signature that does not verify: treat all of them as “result unknown”, see Error codes.
msg is Chinese text for people; your program should look only at code.
There is no timestamp or nonce: duplicates are prevented by “one merchant order number is processed once”.
All three calls check your payout IP allow-list; an empty list rejects everything.

Apply for a payout

Item	Value
Method	`POST`
URL	`https://api.xx2system.xyz/std1/payout/apply`
Request body	`application/x-www-form-urlencoded; charset=UTF-8`
Body limit	65536 bytes
Rate limit	20 per second
IP allow-list	checked against your payout IP list; an empty list rejects everything
Response	`application/json; charset=UTF-8`

Request parameters

Parameter	Required	Rule	Description
`mchId`	yes	format `[A-Za-z0-9_-]{1,32}`	Merchant ID
`mchOrderNo`	yes	format `[A-Za-z0-9_-]{1,64}`	Your order number, unique per merchant; resend with it when the result is unknown (see “Sending the same order number again”)
`amount`	yes	format `[1-9][0-9]{0,11}`	Payout amount, integer in the currency's minor unit; for a two-decimal currency 10000 means 100.00
`currency`	no	three uppercase letters; only the platform currency (CNY) is accepted; omitted means that currency	Currency
`accountName`	yes	1–64 characters；no leading or trailing whitespace；no control characters；no invisible characters such as zero-width or bidi controls	Payee name
`accountNo`	yes	format `[\x21-\x7E]{5,255}`	Payee account: bank card, wallet account and so on; 5–255 visible ASCII characters (letters, digits, symbols), kept exactly as sent
`bankName`	yes	1–64 characters；no leading or trailing whitespace	Bank name (matched by name; there is no bank code)
`bankBranch`	no	at most 128 characters	Branch
`bankProvince`	no	at most 32 characters	Province of the bank
`bankCity`	no	at most 32 characters	City of the bank
`notifyUrl`	no	at most 256 characters；starts with `http://` / `https://`	Result callback URL; without it there is no callback and you query instead
`remark`	no	at most 128 characters	Your own note; returned in queries and callbacks, never sent upstream
`productId`	no	format `[A-Za-z0-9_-]{1,32}`	For the official product ID code, please contact customer service; leave it out to use your default payout product. A product not opened for you or switched off gets MERCHANT_DISABLED
`sign`	yes	format `[0-9A-Fa-f]{64}`	Signature, see Signatures

productId picks which of your payout products this payout uses, and the fee follows that product; we choose the channel within it. Leave it out to use your default payout product; existing integrations need no change.
You may add parameters of your own (names must not clash with the ones above); they are signed and ignored after verification.
There is no bank code: the bank is matched by name only.

Response

Parameter	Present when	Description
`code`	always（`SUCCESS`）	Result code, see Error codes
`mchId`	always	Merchant ID
`mchOrderNo`	always	Your order number
`payoutNo`	always	Platform payout number
`amount`	always	Payout amount (minor units)
`fee`	always	Fee (minor units), fixed when accepted
`currency`	always	Currency
`createTime`	always	Accepted at, Beijing time
`sign`	always	Signature
`msg`	in failure responses	Failure reason (Chinese, for people)

code=SUCCESS means accepted and funds frozen, not paid yet. The final result comes from the callback or a query.
The accepted response has no status field.
With payout confirmation on: we call your confirmation URL while accepting this payout request, and accept it only if the success value comes back; otherwise you get ORDER_CONFIRM_FAILED. Save the order before calling the payout API, so it can be found when the confirmation URL is asked.

Sending the same order number again

This order number	This time's parameters	You get
accepted	exactly the same as the first time	the first accepted response, byte for byte; nothing is paid twice
rejected	exactly the same as the first time	the same rejection as the first time
accepted or rejected	anything different	`ORDER_NO_CONFLICT`: nothing was done, the original is unaffected
no record	—	handled as a new request

“Exactly the same” means every non-empty parameter except sign has the same value (an empty string counts as not sent). Sending currency the first time and leaving it out the second time counts as different.
When the result is unknown, resend only with the same order number and the same parameters. Resubmitting under a new number is the only way to pay twice.
The same card and amount under a new order number is a new payout, and we execute it.

Example

Example key (fake)：0123456789abcdef0123456789abcdef0123456789abcdef0123456789abcdef；Example merchant ID：DEMO0001

POST https://api.xx2system.xyz/std1/payout/apply

String to sign

accountName=张三&accountNo=6222021234567890123&amount=10000&bankName=中国工商银行&mchId=DEMO0001&mchOrderNo=ORDER-20260917-0001

sign

4d368047ec349d118d7865c7bcba91f1f152c72b41bba9f389be963630a22064

Request body

accountName=%E5%BC%A0%E4%B8%89&accountNo=6222021234567890123&amount=10000&bankName=%E4%B8%AD%E5%9B%BD%E5%B7%A5%E5%95%86%E9%93%B6%E8%A1%8C&mchId=DEMO0001&mchOrderNo=ORDER-20260917-0001&sign=4d368047ec349d118d7865c7bcba91f1f152c72b41bba9f389be963630a22064

Response（Accepted: funds frozen, not paid yet）

{"code":"SUCCESS","mchId":"DEMO0001","mchOrderNo":"ORDER-20260917-0001","payoutNo":"P20260917120000000001","amount":"10000","fee":"200","currency":"CNY","createTime":"2026-09-17 12:00:00","sign":"13dc9a6b36d02a8dc8fe08117a4b85cdf9e69d3bc50cc7c5010df98263d809e0"}

Response（Rejected (class B)）

{"code":"INSUFFICIENT_BALANCE","msg":"可用余额不足","mchId":"DEMO0001","mchOrderNo":"ORDER-20260917-0001","sign":"9213d0f28d29dd694bf15c5797c985a3926a059157dfefaa81f71aae57c52331"}

Query a payout

Item	Value
Method	`POST`
URL	`https://api.xx2system.xyz/std1/payout/query`
Request body	`application/x-www-form-urlencoded; charset=UTF-8`
Body limit	65536 bytes
Rate limit	50 per second
IP allow-list	checked against your payout IP list; an empty list rejects everything
Response	`application/json; charset=UTF-8`

Request parameters

Parameter	Required	Rule	Description
`mchId`	yes	format `[A-Za-z0-9_-]{1,32}`	Merchant ID
`mchOrderNo`	one of two	format `[A-Za-z0-9_-]{1,64}`	Your order number, unique per merchant; resend with it when the result is unknown (see “Sending the same order number again”)
`payoutNo`	one of two	format `[A-Za-z0-9]{1,32}`	Platform payout number (from the accepted response)
`sign`	yes	format `[0-9A-Fa-f]{64}`	Signature, see Signatures

Give at least one of mchOrderNo and payoutNo; if you give both they must belong to the same payout, otherwise you get ORDER_NOT_FOUND.

Response

Parameter	Present when	Description
`code`	always（`SUCCESS`）	Result code, see Error codes
`mchId`	always	Merchant ID
`mchOrderNo`	always	Your order number
`payoutNo`	always	Platform payout number
`amount`	always	Payout amount (minor units)
`fee`	always	Fee (minor units), fixed when accepted
`currency`	always	Currency
`status`	always	Payout status, see Status below
`createTime`	always	Accepted at, Beijing time
`finishTime`	when status is `FAILED` / `REVERSED` / `SUCCESS`	When it entered the current status
`failMsg`	when status is `FAILED`	Cancellation reason
`remark`	always	Your note from the application
`sign`	always	Signature
`msg`	in failure responses	Failure reason (Chinese, for people)

Querying a rejected order returns the original rejection code.
ORDER_NOT_FOUND does not prove the order was never created: the application may still be on its way.
No payee details and no channel information are returned.

Status

Status	Meaning
`PROCESSING`	Processing: accepted, funds frozen, no final result yet. May last hours or days; nothing is paid twice
`SUCCESS`	Paid
`FAILED`	Cancelled; funds returned to the available balance
`REVERSED`	Returned after payment (reversal); funds returned

You can only see two paths: PROCESSING → SUCCESS → REVERSED and PROCESSING → FAILED. REVERSED (reversal) is not sent as a callback; you see it only by querying.
PROCESSING may last hours or days (when an upstream result must be checked by hand). Funds stay frozen and nothing is paid twice; do not resubmit under a new order number; contact the operator with the payoutNo.

Example

Example key (fake)：0123456789abcdef0123456789abcdef0123456789abcdef0123456789abcdef；Example merchant ID：DEMO0001

POST https://api.xx2system.xyz/std1/payout/query

String to sign

mchId=DEMO0001&mchOrderNo=ORDER-20260917-0001

sign

20f17f6d87cf293d6ced8c01c4c40d887d7846161e306d7610828fe333c83b25

Request body

mchId=DEMO0001&mchOrderNo=ORDER-20260917-0001&sign=20f17f6d87cf293d6ced8c01c4c40d887d7846161e306d7610828fe333c83b25

Response（Paid）

{"code":"SUCCESS","mchId":"DEMO0001","mchOrderNo":"ORDER-20260917-0001","payoutNo":"P20260917120000000001","amount":"10000","fee":"200","currency":"CNY","status":"SUCCESS","createTime":"2026-09-17 12:00:00","finishTime":"2026-09-17 12:05:30","sign":"6d415f531376788d1e915e70deeffb44e96f669aba651f32e33933255f650fa2"}

Query your balance

Item	Value
Method	`POST`
URL	`https://api.xx2system.xyz/std1/balance/query`
Request body	`application/x-www-form-urlencoded; charset=UTF-8`
Body limit	65536 bytes
Rate limit	10 per second
IP allow-list	checked against your payout IP list; an empty list rejects everything
Response	`application/json; charset=UTF-8`

Request parameters

Parameter	Required	Rule	Description
`mchId`	yes	format `[A-Za-z0-9_-]{1,32}`	Merchant ID
`currency`	no	three uppercase letters; only the platform currency (CNY) is accepted; omitted means that currency	Currency
`sign`	yes	format `[0-9A-Fa-f]{64}`	Signature, see Signatures

Response

Parameter	Present when	Description
`code`	always（`SUCCESS`）	Result code, see Error codes
`mchId`	always	Merchant ID
`currency`	always	Currency
`balance`	always	Total balance (minor units), including frozen funds
`frozenAmount`	always	Frozen (minor units): payouts in flight and settlement requests
`availableAmount`	always	Available (minor units) = balance − frozenAmount
`sign`	always	Signature
`msg`	in failure responses	Failure reason (Chinese, for people)

availableAmount = balance − frozenAmount. Merchants allowed a negative balance may see negative values.

Example

Example key (fake)：0123456789abcdef0123456789abcdef0123456789abcdef0123456789abcdef；Example merchant ID：DEMO0001

POST https://api.xx2system.xyz/std1/balance/query

String to sign

mchId=DEMO0001

sign

a896e78745bd80092e80a28976a4f758ca0a713d74228db79806337828fd9695

Request body

mchId=DEMO0001&sign=a896e78745bd80092e80a28976a4f758ca0a713d74228db79806337828fd9695

Response（Balance）

{"code":"SUCCESS","mchId":"DEMO0001","currency":"CNY","balance":"500000","frozenAmount":"10200","availableAmount":"489800","sign":"0b6b91b47831daa89b4c350a6eb38b755d998df8fc168e503b68bacfa5b634fd"}

Payout API std1

Common rules #

Apply for a payout #

Request parameters #

Response #

Sending the same order number again #

Example #

Query a payout #

Request parameters #

Response #

Status #

Example #

Query your balance #

Request parameters #

Response #

Example #

Common rules

Apply for a payout

Request parameters

Response

Sending the same order number again

Example

Query a payout

Request parameters

Response

Status

Example

Query your balance

Request parameters

Response

Example