Risk Control – Merchant Integration

1. Overview

To enhance payment security, the banking channel has added a risk control confirmation step to the payment process. When a user submits payment information, the payment system calls the merchant’s configured risk control API, allowing the merchant to decide whether to approve the transaction.

What the merchant must do:

Configure the Risk Control API URL (via the admin dashboard or by contacting technical support).

Implement the Risk Control API to receive payment system requests and return a decision.

2. Payment Flow

2.1 Full Payment Flow

2.2 Key Time Points

T0: Merchant creates order and obtains payment link

T1: User accesses link and enters payment info

T2: User submits payment → Bank channel calls confirmation API

T3: Payment system calls merchant risk control API (merchant makes decision here)

T4: Payment process continues or terminates based on decision

3. Merchant Requirements

3.1 Configure Risk Control API URL

Option 1: Configure via Admin Dashboard

Go to the merchant configuration page

Set the bank channel risk control API URL

Option 2: Contact Technical Support

Provide your merchant ID and risk control API URL

Technical support will configure it in the database

Configuration Fields:

merchant_id: Merchant ID

risk_control_url: Full HTTPS URL of the risk control API

Example:

merchant_id: 10001
risk_control_url: https://merchant.example.com/api/risk-control

3.2 Implement the Risk Control API

The merchant must implement an HTTP POST endpoint to receive risk control requests and return a decision.

3.2.1 API Specification

Request Method: POST

Request Header:

Content-Type: application/json

Request Body:

{
  "orderId": "ORD202401011234567890",
  "cardPrefix": "123456",
  "cardSuffix": "7890",
  "cardHolderName": "John Doe"
}

Field Description:

Field	Type	Required	Description
orderId	string	Yes	Order ID (same as orderId used when creating the order)
cardPrefix	string	Yes	First 6 digits of the card number
cardSuffix	string	Yes	Last 4 digits of the card number
cardHolderName	string	Yes	Name of the cardholder

Response Specification:

Allow Payment

HTTP Status: 200 OK

Response Body: "allow" (plain text)

Deny Payment

HTTP Status: 403 Forbidden

Response Body: "deny" (plain text)

Notes:

The API must respond within 5 seconds; otherwise, payment will be automatically denied.

The response body must be plain text ("allow" or "deny") — do not return JSON.

4. Request/Response Examples

4.1 Example — Allow Payment

Request:

Response:

HTTP/1.1 200 OK
Content-Type: text/plain

allow

4.2 Example — Deny Payment

Request:

Response:

HTTP/1.1 403 Forbidden
Content-Type: text/plain

deny

Risk Control – Merchant Integration

1. Overview#

2. Payment Flow#

2.1 Full Payment Flow#

2.2 Key Time Points#

3. Merchant Requirements#

3.1 Configure Risk Control API URL#

3.2 Implement the Risk Control API#

3.2.1 API Specification#

4. Request/Response Examples#

4.1 Example — Allow Payment#

4.2 Example — Deny Payment#