Three terms: QR schemes, payable assets, and payment authorization tickets.

Core Concepts

QR Schemes

Payment QR formats vary by region. Use GET /v1/qrpay/schemes to find those enabled for you.

Unrecognized codes are rejected immediately, never guessed. A wrong guess could pay another merchant.

Payable Assets

Quotes provide one option for each asset the member can currently pay with. Assets absent from their balance, or unsupported by this QR code, are excluded.

An empty list is not a system failure; it means this member cannot currently make this payment. Explain whether the cause is insufficient balance or the QR code not supporting their assets.

How the Debit Asset Is Chosen

You do not specify the debit currency. We select it according to the member's own payment preference order.

preferred_asset only means “try this one first”— and specifying an asset the upstream cannot quote this time causes rejection, not a silent switch. Silently debiting a different currency makes the decision for the user.

⚠ The “payment authorization ticket + step-up authentication” gate in our own App is not part of the Open API—

in this model, you manage member identity and security, so add that layer as needed.

At a minimum, ensure the user really selected Confirm when you call payments.

The Sequence Must Not Be Reversed

① 先锁会员的钱
② 再通知上游放行

Reversing it can let the upstream approve payment (the recipient merchant sees funds received) before we lock the funds. That shortfall cannot be recovered.