对接浦发银行支付（六）-- 请求退款接口与查询退款结果接口

一、概述

本文介绍浦发银行支付的请求退款和查询退款结果两个接口，浦发银行的退款流水号是以5901开头。发起退款的时候，浦发银行返回浦发银行退款流水号给我们（这里的我们是指对接浦发银行支付的一方，于浦发银行而言，就是商户）；我们在查询退款结果的时候，依据便是浦发银行退款流水号。

接口调用的先后顺序如下：
在这里插入图片描述
下面将详细介绍这两个接口的调用以及报文示例：

二、请求退款接口

退款接口是同步的，和微信退款不同，后者还需要额外对接退款回调逻辑。

接口名称：对公收款支付退货
接口URI：/api/corporateAccounts/payments/ordersReturn
请求方式：POST
必填的请求参数：

因为接口的入参数量比较多，就不一一贴出，而实际上发起退款，核心就是支付流水号和退款金额。

frmrMrchOrdrNo：浦发银行支付流水号。在支付下单的时候返回，并保存至支付订单。
bussLstNo：商户支付流水号。由支付系统生成的唯一单号。
返回参数

响应报文的参数数量多得吓人，其实我们也只需要两个值（tranOrdrNo和tranDate）。对于响应报文中的transNo（交易流水号），但是程序用不上，注意别混淆了二者。

tranOrdrNo：浦发银行退款流水号

在这里插入图片描述

报文示例

请求报文

{"mrchId": "310319982990001","bussLstNo": "062404171015030170B15","mrchOrdrNo": "R062B40417105220017504","mrchTm": "20240417105220","tranAmt": "0.01","frmrMrchOrdrNo": "1901041710141000674832060267","origTranDate": "20240417"
}

响应报文

同查询支付结果的返回报文一样，也不会返回平台退款流水号。
重要字段：{
“statusCode”: “0000”,
# 浦发银行退款流水号
“tranOrdrNo”: “5901041710511111585791059835”,
# 浦发银行交易日期
“tranDate”: “20240417”,
“tranAmt”: “0.01”,
“ordrSt”: “00”
}

{"statusCode": "0000","transNo": "04972404176851052204509115","retGdsAmt": "","totalAmt": "","ordrAmt": "","transAmt": "0.01","cashRfndAmt": "","rfdAmt": "","vcherNum": "","byrOfAlipayAcctNO": "","fndChngFlg": "","wthdrwnUsAmtCnl": "","mrchStrNm": "","userId": "","ccy": "","mrchOrigOrdrNo": "","tranOrdrNo": "5901041710511111585791059835","tranDate": "20240417","tranAmt": "0.01","mrchId": "310319982990001","mrchOrdrNo": "062404171015030170B15","clrgDate": "","ordrSt": "00","dcnRfdDtl": "","rfndAcceptTime": "","thdPltfrmTm": "","byrRfndAmnt": "","dscntRfndAmnt": "","mdsctRfndAmnt": "","actRfndAmt": "","bussRetCd": "","returnInfo": "","bussRetInfo": "退货交易成功","errCode": "","errInfo": "","trdChnl": "","bussBranchId": "","tranTellerNo": "","rsrvFld1": "","rsrvFld2": "","rsrvFld3": "","rsrvFld4": "","rsrvFld5": "","rsrvFld6": "","rsrvFld7": "","remark": "","corpRcvPyRetInfo": []
}

三、查询退款结果

接口名称：对公收款交易查证
接口URI：/api/corporateAccounts/payments/status
请求方式：GET

请求参数

交易日期tranDate作为必填字段，无疑是画蛇添足了。本来支付服务只需要保存浦发银行退款流水号即可，现在可好，还需要额外保存它。
那你可不可以不保存它，采用平台退款订单的创建时间代替它呢？
这里会存在创建退款的时间和交易日期不在同一天，也即跨天的可能。

tranOrdrNo：必填，浦发银行退款流水号，在请求退款接口中返回。
mrchOrdrNo：非必填，平台退款流水号。既然是非必填，浦发银行方对该字段不作要求，更说明它是以浦发银行退款流水号为依据。

对tranDate字段的处理

1、请求退款，接口返回的tranDate，保存至退款订单中的refundOkDate。（refundOkDate原本是实际退款成功的时间。特别是像微信退款，发起退款的时候，refundOkDate还是空；待退款回调处理时，更新refundOkDate为实际退款时间）
这里会有个问题，实际退款的时间只能精确到年月日，不知道具体的时分秒。（可以从退款订单的创建时间大概推断出退款日期的时分秒）
2、在查询退款结果的时候，查询退款订单中的refundOkDate；（如果它为空，意味着请求退款的时候出错，则取退款订单的创建时间）该接口会返回实际退款时间，而我们说了，请求退款接口是同步的，却未返回实际退款时间，只返回了交易日期yyyyMMdd。
3、处理退款订单，更新退款订单中的实际退款时间refundOkDate。

报文示例

请求报文

{"mrchId": "310319982990001",# 平台退款流水号"mrchOrdrNo": "R062B40417105220017504",# 浦发银行退款流水号"tranOrdrNo": "5901041710511111585791059835",# 浦发银行交易日期"tranDate": "20240417"
}

响应报文

重要字段：{
“statusCode”: “0000”,
# 浦发银行退款流水号
“frmrMrchOrdrNo”: “5901041710511111585791059835”,
# 实际退款时间
“tranTimep”: “20240417105111”,
“tranAmt”: “0.01”,
“ordrSt”: “00”
}

{"statusCode": "0000","transNo": "04972404176851201434413175","usrFlgId": "","isSbscrbFlg": "","usrChildFlg": "","isFlag": "","transAmt": "","busnPckt": "","clueDtl": "","totalAmt": "","ordrAmt": "","wthdrwnUsAmtCnl": "","retGdsAmt": "","rfdAmt": "","vcherNum": "","fundSource": "","inAcctName": "","rfndRlst": "","byrOfAlipayAcctNO": "","actRcvAmt": "","byrPayAmt": "","usPntsPayAmt": "","toUsEstbInvAmt": "","clientID": "","inrChlCnlNo": "","mrchStrNm": "","userId": "","addItInNal": "","infoDsc": "","fldData": "","bussRetCd": "","returnInfo": "","trdMerMechNo": "","weChatSubMechNo": "","errCode1": "","errInfo": "","terminalNo": "","tranType": "","ordrSt": "00","pyBnkInfo": "","cmdtyInfo": "","tranAmt": "0.01","ccy": "","thdPltfrmTm": "","thdPtySeq": "","tranOrdrNo": "","tranDate": "20240417","clrgDate": "","tranTimep": "20240417105111","mrchTm": "","bussLstNo": "","frmrMrchDate": "","frmrMrchOrdrNo": "5901041710511111585791059835","orgClrgDt": "","tranCode": "OORF","mrchId": "310319982990001","openBrNo": "","instId": "","mrchDvlpmBnkNo": "","mrchDvlpmBnkBrId": "","strNo": "","cshrNo": "","mrchlInfmAdr": "","channelNo": "","hvWthdrwnAmt": "0.00","rfndblAmt": "0.01","hvThdChrgAmt": "","reserveAmt": "","chrgAmt": "","charges": "","prjPrdTp": "","ordrPcsSt": "","trdRtCd": "00","feeRtId": "","cmdtyDsc": "","crdType": "","bussTrm": "","thdPtyObjNo": "","remark1": "","remark2": "11","dcnRfdDtl": "","crtTm": "","cashRfndAmt": "","pblcAcctId": "","bussRetInfo": "","trdStInfo": "","bussStatusDsc": "","weRfndStatus": "","aLTrnCrc": "","pymtMd": "","dscntAmnt": "","mdsctAmnt": "","byUserType": "","acceptEndTime": "","pftSt": "","errCode2": "","byrRfndAmnt": "","dscntRfndAmnt": "","mdsctRfndAmnt": "","trdChnl": "","rsrvFld1": "","rsrvFld2": "","rsrvFld3": "","rsrvFld4": "","rsrvFld5": "","rsrvFld6": "","rsrvFld7": "","remark3": "","tranVrfyInfo": []
}