overview

Instant payment refers to the payment method that transfer money from you merchant account to the bank account you designated almost in real time.

Instant payment support two types of bank account.

• Personal debit card

• Business bank settlement accounts

Preparatory work

• Ensure your merchant account have configured the right of this product.

• Make sure your merchant account has sufficient balance available.

• Add your source IP addresses to the LLP whitelist.

Integration

Normally, you just need to request the instant payment apply API to do the transfer. In the following cases, you need to judge if needed to continue. If so, please request the instant payment confirm API within 24h and LLP would do the transfer. If NOT, just ignore it.

• Suspected duplicate order. Within 24h, if you request to transfer money to the same bank account twice or more, it's the suspected duplicate order from the second order and need to

• The account name does not match the card number.

Reference

support bank list in json format

Common Receiving Banks

bank_code	Chinese bank name	bank name
01020000	工商银行	ICBC(Industrial and Commercial Bank of China)
01050000	建设银行	CCB(China Construction Bank)
01030000	农业银行	ABC(Agricultural Bank of China)
03080000	招商银行	CMB(China Merchants Bank)
03010000	交通银行	BCM(Bank of Communications)
03100000	浦发银行	SPDB(Shanghai Pudong Development Bank)
03060000	广发银行	CGB(China Guangfa Bank)
01040000	中国银行	BOC(BANK OF CHINA)
03030000	光大银行	CEB(China Everbright Bank)
01000000	中国邮储银行	PSBC(Postal Savings Bank of China)
03050000	民生银行	CMBC(China Minsheng Banking Group,.Ltd)
03020000	中信银行	CCB(CHINA CITIC BANK)
04031000	北京银行	BOB(Bank of Beijing)
03070000	平安银行	PAB(PingAn Bank)
03040000	华夏银行	HXB(Hua Xia Bank Co)