5. Direct Debit Callback

Description

• This interface is implemented by the merchant to receive direct debit transaction result notifications
• PayCools platform actively calls this interface when direct debit transaction status changes

URL

• Provided by the merchant

Request Method

• POST

Request Headers

Parameter Name	Required	Type	Description
Content-Type	Yes	string	application/json

Callback Parameters

Field Name	Type	Required	Description
eventName	string	Yes	Event name: directdebit.payment.success / directdebit.payment.failed
mchOrderId	string	Yes	Merchant order number
transactionId	string	Yes	PayCools unique transaction serial number
amount	integer	Yes	Transaction amount (unit: cents)
transactionStatus	string	Yes	Transaction status: PENDING / COMPLETE / FAILED
createTime	string	Yes	Transaction creation time
returnTime	string	Yes	Callback/return time
channelCode	string	Yes	Payment channel code
remark	string	No	Remark
failedCode	integer	No	Failure code (returned when failed)
failedMessage	string	No	Failure message (returned when failed)
sign	string	Yes	Signature

Success Callback Example

{
  "eventName": "directdebit.payment.success",
  "mchOrderId": "DD20240101120000",
  "transactionId": "TXN20240101120000123456",
  "amount": 10000,
  "transactionStatus": "COMPLETE",
  "createTime": "2024-01-01 12:00:00",
  "returnTime": "2024-01-01 12:01:30",
  "channelCode": "JTWALLET_DIRECT_DEBIT",
  "remark": "Monthly subscription payment",
  "sign": "a1b2c3d4e5f6g7h8i9j0k1l2m3n4o5p6q7r8s9t0"
}

Failure Callback Example

{
  "eventName": "directdebit.payment.failed",
  "mchOrderId": "DD20240101120000",
  "transactionId": "TXN20240101120000123456",
  "amount": 10000,
  "transactionStatus": "FAILED",
  "createTime": "2024-01-01 12:00:00",
  "returnTime": "2024-01-01 12:01:30",
  "channelCode": "JTWALLET_DIRECT_DEBIT",
  "remark": "Monthly subscription payment",
  "failedCode": -10000,
  "failedMessage": "Transaction Service Error",
  "sign": "a1b2c3d4e5f6g7h8i9j0k1l2m3n4o5p6q7r8s9t0"
}

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Response Example

{
  "code":1,
  "msg":"success",
  "data":{
  }
}