> For the complete documentation index, see [llms.txt](https://docs.jgopay.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.jgopay.com/jian-ti-zhong-wen/zh-cn.md).

# 概览

> **版本：** 1.6.0\
> **最后更新：** 2026 年 7 月

> 🇬🇧 [English Version](/english/readme.md)

| 环境   | 基础 URL                               |
| ---- | ------------------------------------ |
| 生产环境 | `https://api.pays3bucket.com/api/v1` |

> 测试环境的凭据和接入地址请向您的客户经理索取。

## 支持的货币

| 货币      | 地区   | 充值（代收）                 | 提现（代付） | 网关行为         |
| ------- | ---- | ---------------------- | ------ | ------------ |
| **MYR** | 马来西亚 | DuitNow QR / FPX / TNG | 银行转账   | 跳转（Redirect） |

## 对接流程

### 充值（代收）

```
1. 身份认证     →  POST /auth/token
2. 创建支付     →  POST /payment/request
3. 处理响应     →  引导客户跳转
4. 接收回调     →  支付状态通知
```

### 提现（代付）

```
1. 身份认证     →  POST /auth/token
2. 创建提现     →  POST /payment/withdraw
3. 接收回调     →  提现结果通知
```

## 快速开始

1. **获取凭据** — 您的客户经理会提供 `merchant_id` 和 `api_key`
2. **身份认证** — 用凭据换取访问令牌（[身份认证](/jian-ti-zhong-wen/authentication.md)）
3. **创建支付** — 调用支付接口（[创建支付](/jian-ti-zhong-wen/create-payment.md)）
4. **处理响应** — 引导客户跳转到网关页面（[支付方式](/jian-ti-zhong-wen/payment-methods.md)）
5. **创建提现** — 调用提现接口（[创建提现](/jian-ti-zhong-wen/create-withdrawal.md)）
6. **接收回调** — 支付或提现完成时收到通知（[回调通知](/jian-ti-zhong-wen/webhooks.md)）

## 对接模式

在请求中传入 `payment_method`，您将收到网关数据并自行处理跳转。

```
商户   → POST /payment/request（携带 payment_method）
       ↓
JGoPay → 返回网关数据
       ↓
商户   → 引导客户跳转到网关页面
       ↓
JGoPay → 完成后发送回调通知
```

## 请求频率限制

API 接口按商户维度限制请求频率。超出限制将返回 HTTP `429 Too Many Requests`。

| 接口                       | 限制       |
| ------------------------ | -------- |
| `POST /payment/request`  | 100 次/分钟 |
| `POST /payment/withdraw` | 50 次/分钟  |
| 其他接口                     | 100 次/分钟 |

## 安全要求

* 所有 API 请求**必须使用 HTTPS**（`https://`）。HTTP 请求会被拒绝。
* 生产环境中 `callback_url` 和 `redirect_url` **必须使用 HTTPS**，HTTP 地址会被拒绝。
* 切勿通过未加密的连接传输 API 密钥、访问令牌或任何凭据。
* 凭据的存储与轮换指引见[身份认证](/jian-ti-zhong-wen/authentication.md)。


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