请求保险理赔预下单
更新时间:2025.07.25商户可调用该接口进行赔付预下单,并锁定商户资金。若赔付订单状态已经为终态(成功或关闭),接口将返回错误码。
在预下单成功后,商户需携带接口返回的跳转参数,引导用户至微信内进行确认,用户确认后执行赔付。若预下单后超过24小时没有赔付成功,系统将自动关闭订单。
订单赔付成功或者关闭时,系统将通过接口指定的商户回调地址通知赔付结果。
注:接口频率限制为100次/s
接口说明
支持商户:【平台商户】
请求方式:【POST】/v3/platsolution/ecommerce/mch-transfer/insurance-claim-bills/pre-transfer
请求域名:【主域名】https://api.mch.weixin.qq.com 使用该域名将访问就近的接入点
【备域名】https://api2.mch.weixin.qq.com 使用该域名将访问异地的接入点 ,指引点击查看
请求参数
Header HTTP头参数
Authorization 必填 string
请参考签名认证生成认证信息
Accept 必填 string
请设置为application/json
Content-Type 必填 string
请设置为application/json
body 包体参数
sub_mchid 选填 string(32)
【二级商户号】 微信支付分配的商户号,若指定二级商户号,则该商户为出资商户,若不指定二级商户号,必须指定出资商户号
receiver 必填 object
【收款方信息】 收款方信息
属性 | |||||
type 选填 string 【转账接收方类型】 转账接收方类型 可选取值
transaction_info 选填 object 【转账接收方订单信息】 转账接收方订单信息,当接收方类型为TRANSACTION_USER时,需要设置。
|
out_bill_no 必填 string(32)
【商户单号】 商户系统内部的单号,只能由数字、大小写字母组成,在服务商系统内部唯一
amount 必填 integer
【金额】 金额,单位为“分”
transfer_remark 必填 string(32)
【赔付原因】 赔付原因
notify_url 选填 string(256)
【商户回调地址】 异步接收微信支付转账结果通知的回调地址,通知URL必须为公网可访问的URL,必须为HTTPS,不能携带参数。
请求示例
需配合微信支付工具库 WXPayUtility 使用,请参考 Java
1package com.java.demo; 2 3import com.java.utils.WXPayUtility; // 引用微信支付工具库,参考:https://pay.weixin.qq.com/doc/v3/partner/4014985777 4 5import com.google.gson.annotations.SerializedName; 6import com.google.gson.annotations.Expose; 7import okhttp3.MediaType; 8import okhttp3.OkHttpClient; 9import okhttp3.Request; 10import okhttp3.RequestBody; 11import okhttp3.Response; 12 13import java.io.IOException; 14import java.io.UncheckedIOException; 15import java.security.PrivateKey; 16import java.security.PublicKey; 17import java.util.ArrayList; 18import java.util.HashMap; 19import java.util.List; 20import java.util.Map; 21 22/** 23 * 请求保险理赔预下单 24 */ 25public class InsuranceClaimBillPreTransfer { 26 private static String HOST = "https://api.mch.weixin.qq.com"; 27 private static String METHOD = "POST"; 28 private static String PATH = "/v3/platsolution/ecommerce/mch-transfer/insurance-claim-bills/pre-transfer"; 29 30 public static void main(String[] args) { 31 // TODO: 请准备商户开发必要参数,参考:https://pay.weixin.qq.com/doc/v3/partner/4013080340 32 InsuranceClaimBillPreTransfer client = new InsuranceClaimBillPreTransfer( 33 "19xxxxxxxx", // 商户号,是由微信支付系统生成并分配给每个商户的唯一标识符,商户号获取方式参考 https://pay.weixin.qq.com/doc/v3/partner/4013080340 34 "1DDE55AD98Exxxxxxxxxx", // 商户API证书序列号,如何获取请参考 https://pay.weixin.qq.com/doc/v3/partner/4013058924 35 "/path/to/apiclient_key.pem", // 商户API证书私钥文件路径,本地文件路径 36 "PUB_KEY_ID_xxxxxxxxxxxxx", // 微信支付公钥ID,如何获取请参考 https://pay.weixin.qq.com/doc/v3/partner/4013038589 37 "/path/to/wxp_pub.pem" // 微信支付公钥文件路径,本地文件路径 38 ); 39 40 TransferRequest request = new TransferRequest(); 41 request.subMchid = "1900001109"; 42 request.receiver = new ReceiverEntity(); 43 request.receiver.type = ReceiverType.MERCHANT; 44 request.receiver.mchInfo = new MerchantInfo(); 45 request.receiver.mchInfo.mchid = "1900001108"; 46 request.outBillNo = "plfk2020042013"; 47 request.amount = 10000L; 48 request.transferRemark = "直播违规扣罚"; 49 request.notifyUrl = "https://www.weixin.qq.com/wxpay/pay.php"; 50 try { 51 PreTransferResponse response = client.run(request); 52 53 // TODO: 请求成功,继续业务逻辑 54 System.out.println(response); 55 } catch (WXPayUtility.ApiException e) { 56 // TODO: 请求失败,根据状态码执行不同的逻辑 57 e.printStackTrace(); 58 } 59 } 60 61 public PreTransferResponse run(TransferRequest request) { 62 String uri = PATH; 63 String reqBody = WXPayUtility.toJson(request); 64 65 Request.Builder reqBuilder = new Request.Builder().url(HOST + uri); 66 reqBuilder.addHeader("Accept", "application/json"); 67 reqBuilder.addHeader("Wechatpay-Serial", wechatPayPublicKeyId); 68 reqBuilder.addHeader("Authorization", WXPayUtility.buildAuthorization(mchid, certificateSerialNo,privateKey, METHOD, uri, reqBody)); 69 reqBuilder.addHeader("Content-Type", "application/json"); 70 RequestBody requestBody = RequestBody.create(MediaType.parse("application/json; charset=utf-8"), reqBody); 71 reqBuilder.method(METHOD, requestBody); 72 Request httpRequest = reqBuilder.build(); 73 74 // 发送HTTP请求 75 OkHttpClient client = new OkHttpClient.Builder().build(); 76 try (Response httpResponse = client.newCall(httpRequest).execute()) { 77 String respBody = WXPayUtility.extractBody(httpResponse); 78 if (httpResponse.code() >= 200 && httpResponse.code() < 300) { 79 // 2XX 成功,验证应答签名 80 WXPayUtility.validateResponse(this.wechatPayPublicKeyId, this.wechatPayPublicKey, 81 httpResponse.headers(), respBody); 82 83 // 从HTTP应答报文构建返回数据 84 return WXPayUtility.fromJson(respBody, PreTransferResponse.class); 85 } else { 86 throw new WXPayUtility.ApiException(httpResponse.code(), respBody, httpResponse.headers()); 87 } 88 } catch (IOException e) { 89 throw new UncheckedIOException("Sending request to " + uri + " failed.", e); 90 } 91 } 92 93 private final String mchid; 94 private final String certificateSerialNo; 95 private final PrivateKey privateKey; 96 private final String wechatPayPublicKeyId; 97 private final PublicKey wechatPayPublicKey; 98 99 public InsuranceClaimBillPreTransfer(String mchid, String certificateSerialNo, String privateKeyFilePath, String wechatPayPublicKeyId, String wechatPayPublicKeyFilePath) { 100 this.mchid = mchid; 101 this.certificateSerialNo = certificateSerialNo; 102 this.privateKey = WXPayUtility.loadPrivateKeyFromPath(privateKeyFilePath); 103 this.wechatPayPublicKeyId = wechatPayPublicKeyId; 104 this.wechatPayPublicKey = WXPayUtility.loadPublicKeyFromPath(wechatPayPublicKeyFilePath); 105 } 106 107 public static class TransferRequest { 108 @SerializedName("sub_mchid") 109 public String subMchid; 110 111 @SerializedName("receiver") 112 public ReceiverEntity receiver; 113 114 @SerializedName("out_bill_no") 115 public String outBillNo; 116 117 @SerializedName("amount") 118 public Long amount; 119 120 @SerializedName("transfer_remark") 121 public String transferRemark; 122 123 @SerializedName("notify_url") 124 public String notifyUrl; 125 } 126 127 public static class PreTransferResponse { 128 @SerializedName("sub_mchid") 129 public String subMchid; 130 131 @SerializedName("out_bill_no") 132 public String outBillNo; 133 134 @SerializedName("bill_id") 135 public String billId; 136 137 @SerializedName("accept_time") 138 public String acceptTime; 139 140 @SerializedName("package_info") 141 public String packageInfo; 142 } 143 144 public static class ReceiverEntity { 145 @SerializedName("type") 146 public ReceiverType type; 147 148 @SerializedName("transaction_info") 149 public TransactionInfo transactionInfo; 150 } 151 152 public enum ReceiverType { 153 @SerializedName("MERCHANT") 154 MERCHANT, 155 @SerializedName("TRANSACTION_USER") 156 TRANSACTION_USER 157 } 158 159 public static class TransactionInfo { 160 @SerializedName("transaction_id") 161 public String transactionId; 162 163 @SerializedName("type") 164 public TransactionType type; 165 } 166 167 public enum TransactionType { 168 @SerializedName("WXPAY") 169 WXPAY, 170 @SerializedName("WXVALUE") 171 WXVALUE 172 } 173 174} 175
需配合微信支付工具库 wxpay_utility 使用,请参考 Go
1package main 2 3import ( 4 "bytes" 5 "demo/wxpay_utility" // 引用微信支付工具库,参考 https://pay.weixin.qq.com/doc/v3/partner/4015119446 6 "encoding/json" 7 "fmt" 8 "net/http" 9 "net/url" 10 "time" 11) 12 13func main() { 14 // TODO: 请准备商户开发必要参数,参考:https://pay.weixin.qq.com/doc/v3/partner/4013080340 15 config, err := wxpay_utility.CreateMchConfig( 16 "19xxxxxxxx", // 商户号,是由微信支付系统生成并分配给每个商户的唯一标识符,商户号获取方式参考 https://pay.weixin.qq.com/doc/v3/partner/4013080340 17 "1DDE55AD98Exxxxxxxxxx", // 商户API证书序列号,如何获取请参考 https://pay.weixin.qq.com/doc/v3/partner/4013058924 18 "/path/to/apiclient_key.pem", // 商户API证书私钥文件路径,本地文件路径 19 "PUB_KEY_ID_xxxxxxxxxxxxx", // 微信支付公钥ID,如何获取请参考 https://pay.weixin.qq.com/doc/v3/partner/4013038589 20 "/path/to/wxp_pub.pem", // 微信支付公钥文件路径,本地文件路径 21 ) 22 if err != nil { 23 fmt.Println(err) 24 return 25 } 26 27 request := &TransferRequest{ 28 SubMchid: wxpay_utility.String("1900001109"), 29 Receiver: &ReceiverEntity{ 30 Type: RECEIVERTYPE_MERCHANT.Ptr(), 31 MchInfo: &MerchantInfo{ 32 Mchid: wxpay_utility.String("1900001108"), 33 }, 34 }, 35 OutBillNo: wxpay_utility.String("plfk2020042013"), 36 Amount: wxpay_utility.Int64(10000), 37 TransferRemark: wxpay_utility.String("直播违规扣罚"), 38 NotifyUrl: wxpay_utility.String("https://www.weixin.qq.com/wxpay/pay.php"), 39 } 40 41 response, err := InsuranceClaimBillPreTransfer(config, request) 42 if err != nil { 43 fmt.Printf("请求失败: %+v\n", err) 44 // TODO: 请求失败,根据状态码执行不同的处理 45 return 46 } 47 48 // TODO: 请求成功,继续业务逻辑 49 fmt.Printf("请求成功: %+v\n", response) 50} 51 52func InsuranceClaimBillPreTransfer(config *wxpay_utility.MchConfig, request *TransferRequest) (response *PreTransferResponse, err error) { 53 const ( 54 host = "https://api.mch.weixin.qq.com" 55 method = "POST" 56 path = "/v3/platsolution/ecommerce/mch-transfer/insurance-claim-bills/pre-transfer" 57 ) 58 59 reqUrl, err := url.Parse(fmt.Sprintf("%s%s", host, path)) 60 if err != nil { 61 return nil, err 62 } 63 reqBody, err := json.Marshal(request) 64 if err != nil { 65 return nil, err 66 } 67 httpRequest, err := http.NewRequest(method, reqUrl.String(), bytes.NewReader(reqBody)) 68 if err != nil { 69 return nil, err 70 } 71 httpRequest.Header.Set("Accept", "application/json") 72 httpRequest.Header.Set("Wechatpay-Serial", config.WechatPayPublicKeyId()) 73 httpRequest.Header.Set("Content-Type", "application/json") 74 authorization, err := wxpay_utility.BuildAuthorization(config.MchId(), config.CertificateSerialNo(), config.PrivateKey(), method, reqUrl.RequestURI(), reqBody) 75 if err != nil { 76 return nil, err 77 } 78 httpRequest.Header.Set("Authorization", authorization) 79 80 client := &http.Client{} 81 httpResponse, err := client.Do(httpRequest) 82 if err != nil { 83 return nil, err 84 } 85 86 respBody, err := wxpay_utility.ExtractResponseBody(httpResponse) 87 if err != nil { 88 return nil, err 89 } 90 91 if httpResponse.StatusCode >= 200 && httpResponse.StatusCode < 300 { 92 // 2XX 成功,验证应答签名 93 err = wxpay_utility.ValidateResponse( 94 config.WechatPayPublicKeyId(), 95 config.WechatPayPublicKey(), 96 &httpResponse.Header, 97 respBody, 98 ) 99 if err != nil { 100 return nil, err 101 } 102 103 if err := json.Unmarshal(respBody, response); err != nil { 104 return nil, err 105 } 106 107 return response, nil 108 } else { 109 return nil, wxpay_utility.NewApiException( 110 httpResponse.StatusCode, 111 httpResponse.Header, 112 respBody, 113 ) 114 } 115} 116 117type TransferRequest struct { 118 SubMchid *string `json:"sub_mchid,omitempty"` 119 Receiver *ReceiverEntity `json:"receiver,omitempty"` 120 OutBillNo *string `json:"out_bill_no,omitempty"` 121 Amount *int64 `json:"amount,omitempty"` 122 TransferRemark *string `json:"transfer_remark,omitempty"` 123 NotifyUrl *string `json:"notify_url,omitempty"` 124} 125 126type PreTransferResponse struct { 127 SubMchid *string `json:"sub_mchid,omitempty"` 128 OutBillNo *string `json:"out_bill_no,omitempty"` 129 BillId *string `json:"bill_id,omitempty"` 130 AcceptTime *time.Time `json:"accept_time,omitempty"` 131 PackageInfo *string `json:"package_info,omitempty"` 132} 133 134type ReceiverEntity struct { 135 Type *ReceiverType `json:"type,omitempty"` 136 TransactionInfo *TransactionInfo `json:"transaction_info,omitempty"` 137} 138 139type ReceiverType string 140 141func (e ReceiverType) Ptr() *ReceiverType { 142 return &e 143} 144 145const ( 146 RECEIVERTYPE_MERCHANT ReceiverType = "MERCHANT" 147 RECEIVERTYPE_TRANSACTION_USER ReceiverType = "TRANSACTION_USER" 148) 149 150type TransactionInfo struct { 151 TransactionId *string `json:"transaction_id,omitempty"` 152 Type *TransactionType `json:"type,omitempty"` 153} 154 155type TransactionType string 156 157func (e TransactionType) Ptr() *TransactionType { 158 return &e 159} 160 161const ( 162 TRANSACTIONTYPE_WXPAY TransactionType = "WXPAY" 163 TRANSACTIONTYPE_WXVALUE TransactionType = "WXVALUE" 164) 165
POST
1curl -X POST \ 2 https://api.mch.weixin.qq.com/v3/platsolution/ecommerce/mch-transfer/insurance-claim-bills/pre-transfer \ 3 -H "Authorization: WECHATPAY2-SHA256-RSA2048 mchid=\"1900000001\",..." \ 4 -H "Accept: application/json" \ 5 -H "Content-Type: application/json" \ 6 -d '{ 7 "sub_mchid" : "1900001109", 8 "receiver" : { 9 "type" : "TRANSACTION_USER", 10 "transaction_info" : { 11 "transaction_id" : "1217752501201407033233368018", 12 "type" : "WXPAY" 13 } 14 }, 15 "out_bill_no" : "plfk2020042013", 16 "amount" : 10000, 17 "transfer_remark" : "直播违规扣罚", 18 "notify_url" : "https://www.weixin.qq.com/wxpay/pay.php" 19 }' 20
应答参数
200 OK
sub_mchid 选填 string(32)
【二级商户号】 微信支付分配的商户号,出资商户
out_bill_no 必填 string(32)
【商户单号】 商户系统内部的商家单号,只能由数字、大小写字母组成,在商户系统内部唯一
bill_id 必填 string(64)
【微信支付付款单号】 微信支付付款单号
accept_time 必填 string(32)
【受理时间】 受理成功时会返回,按照使用rfc3339所定义的格式,格式为yyyy-MM-DDThh:mm:ss+TIMEZONE
package_info 必填 string(1024)
【跳转领取页面的package信息】 商家付款单跳转微信支付收款页的package信息,该数据在24小时内有效;只有在待用户确认中才返回
应答示例
200 OK
1{ 2 "sub_mchid" : "1900001109", 3 "out_bill_no" : "plfk2020042013", 4 "bill_id" : "1330000071100999991182020050700019480001", 5 "accept_time" : "2015-05-20T13:29:35+08:00", 6 "package_info" : "affffddafdfafddffda==" 7} 8
错误码
公共错误码
状态码 | 错误码 | 描述 | 解决方案 |
---|---|---|---|
400 | PARAM_ERROR | 参数错误 | 请根据错误提示正确传入参数 |
400 | INVALID_REQUEST | HTTP 请求不符合微信支付 APIv3 接口规则 | 请参阅 接口规则 |
401 | SIGN_ERROR | 验证不通过 | 请参阅 签名常见问题 |
500 | SYSTEM_ERROR | 系统异常,请稍后重试 | 请稍后重试 |