@alipay/alipay-aipay 1.7.0 → 1.7.2

package/skill-pre/references/integration/modules/code-examples/nodejs/1-/351/200/232/347/224/250/346/216/245/345/217/243//345/274/202/346/255/245/351/200/232/347/237/245/345/244/204/347/220/206/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 异步通知处理 - Node.js 示例
+
+适用产品：AI 网页应用收款、AI 移动应用收款。AI 按量付费不使用异步通知。
+
+```javascript
+const express = require("express");
+
+// 支付宝异步通知是 application/x-www-form-urlencoded 表单，不能用 JSON parser 代替。
+// createAlipayNotifyRouter 依赖项目里的真实 SDK 工厂、支付配置、订单仓储和通知事件仓储。
+// 生产环境必须用持久化订单表和通知事件表做幂等；内存 Map 只能用于非生产 demo。
+function createAlipayNotifyRouter(deps) {
+  const router = express.Router();
+  router.use(express.urlencoded({ extended: false }));
+
+  router.post("/alipay/notify", async (req, res) => {
+    const params = { ...req.body };
+
+    try {
+      const config = await deps.paymentConfigRepository.findByAppId(params.app_id);
+      if (!config) {
+        return fail(res, deps, "alipay notify app config not found", params);
+      }
+
+      const alipaySdk = deps.alipaySdkFactory.create(config);
+      if (!(await verifyNotifyWithAlipaySdk(params, alipaySdk))) {
+        return fail(res, deps, "alipay notify signature check failed", params);
+      }
+
+      const order = await deps.orderRepository.findByOutTradeNo(params.out_trade_no);
+      if (!order || !businessFieldsMatch(order, params, config)) {
+        return fail(res, deps, "alipay notify business check failed", params);
+      }
+
+      const inserted = await deps.notifyEventRepository.insertOnce({
+        notifyId: params.notify_id,
+        tradeNo: params.trade_no,
+        outTradeNo: params.out_trade_no,
+        tradeStatus: params.trade_status,
+        rawParams: params,
+      });
+      if (!inserted) {
+        return res.type("text/plain").send("success");
+      }
+
+      if (isPaidTradeNotification(params)) {
+        await deps.orderRepository.markPaidIdempotently(order.outTradeNo, params.trade_no, params);
+      } else {
+        await deps.orderRepository.recordNonPaidTradeEvent(order.outTradeNo, params.trade_status, params);
+      }
+
+      return res.type("text/plain").send("success");
+    } catch (error) {
+      safeLogNotifyError(deps, "alipay notify unexpected exception", params);
+      return res.type("text/plain").send("fail");
+    }
+  });
+
+  return router;
+}
+
+async function verifyNotifyWithAlipaySdk(params, alipaySdk) {
+  // 落地前先查看目标项目 node_modules/alipay-sdk 的 package.json 和 .d.ts。
+  // 如果当前版本类型定义确认存在 checkNotifySignV2(params)，按当前 SDK 实际 API 调用。
+  if (typeof alipaySdk.checkNotifySignV2 !== "function") {
+    throw new Error("current alipay-sdk does not expose checkNotifySignV2; confirm SDK types before coding");
+  }
+  return await Promise.resolve(alipaySdk.checkNotifySignV2(params));
+}
+
+function businessFieldsMatch(order, params, config) {
+  return params.app_id === config.appId
+    && params.out_trade_no === order.outTradeNo
+    && amountEquals(order.totalAmount, params.total_amount)
+    && expectedSellerMatches(config, params.seller_id, params.seller_email);
+}
+
+function isPaidTradeNotification(params) {
+  const paidStatus = params.trade_status === "TRADE_SUCCESS" || params.trade_status === "TRADE_FINISHED";
+  return paidStatus && !params.out_biz_no && !params.gmt_refund && !params.refund_fee;
+}
+
+function amountEquals(expected, actual) {
+  const expectedAmount = normalizeAmountText(expected);
+  const actualAmount = normalizeAmountText(actual);
+  return expectedAmount !== null && expectedAmount === actualAmount;
+}
+
+// 返回“元”为单位、保留两位小数的金额文本，例如 88.00；不要用浮点数直接比较金额。
+function normalizeAmountText(value) {
+  if (value == null) return null;
+  const text = String(value).trim();
+  const match = text.match(/^(\d+)(?:\.(\d{1,2}))?$/);
+  if (!match) return null;
+  return `${BigInt(match[1]).toString()}.${(match[2] || "").padEnd(2, "0")}`;
+}
+
+function expectedSellerMatches(config, sellerId, sellerEmail) {
+  const expectedSellerId = config.sellerId;
+  const expectedSellerEmail = config.sellerEmail;
+  return Boolean(
+    (expectedSellerId && sellerId === expectedSellerId)
+      || (expectedSellerEmail && sellerEmail === expectedSellerEmail)
+  );
+}
+
+function fail(res, deps, message, params) {
+  safeLogNotifyError(deps, message, params);
+  return res.type("text/plain").send("fail");
+}
+
+function safeLogNotifyError(deps, message, params) {
+  try {
+    deps.logger.warn(message, sanitizeNotifyParams(params));
+  } catch (error) {
+    // 日志失败不能影响支付宝收到纯文本 fail。
+  }
+}
+
+function sanitizeNotifyParams(params) {
+  const { sign, ...safeParams } = params;
+  return safeParams;
+}
+
+module.exports = { createAlipayNotifyRouter };
+```
+
+要点：
+
+- `notify_url` 路由必须使用表单解析中间件，不要用 JSON parser 读取支付宝通知。
+- 验签必须调用当前项目支付宝 SDK 的实际验签 API；Node.js 落地前先查目标项目 `alipay-sdk` 类型定义确认 `checkNotifySignV2(params)` 是否存在。
+- `app_id`、`seller_id` / `seller_email` 从运行时支付配置校验，不从订单对象默认取值。
+- 金额校验使用“元”为单位的两位小数字符串或项目定点数工具，不要用浮点数直接比较。
+- 只有付款成功状态且不是退款、关单、分账等事件时，才认定付款成功。
+- 内存订单或内存幂等只能用于非生产 demo，生产必须使用持久化订单表和通知事件表。
+- 处理成功后返回纯文本 `success`；异常、验签失败或业务校验失败返回 `fail`。

package/skill-pre/references/integration/modules/code-examples/nodejs/1-/351/200/232/347/224/250/346/216/245/345/217/243//347/273/237/344/270/200/346/224/266/345/215/225/344/272/244/346/230/223/345/205/263/351/227/255/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 统一收单交易关闭接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->", // Node.js 使用 PKCS#1 格式私钥
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  signType: "RSA2",
+  // 第三方代调用模式下请设置 appAuthToken
+  // appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+// 交易关闭用于关闭未支付的订单
+// 注意：交易关闭与交易撤销是不同接口 —— 关闭用于未支付订单，撤销用于已支付订单（仅限支付当天）
+const result = await alipaySdk.exec("alipay.trade.close", {
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",  // 商户订单号，与 trade_no 二选一
+  },
+});
+
+if (result.code === "10000") {
+  console.log("调用成功");
+} else {
+  console.log("调用失败");
+}
+```
+
+## 响应示例
+### 正常示例
+```json
+{
+    "code": "10000",
+    "msg": "Success",
+    "trade_no": "ALIPAY_TRADE_NO_PLACEHOLDER",
+    "out_trade_no": "MERCHANT_ORDER_NO_PLACEHOLDER"
+}
+```
+### 异常示例
+```json
+{
+    "code": "20000",
+    "msg": "Service Currently Unavailable",
+    "sub_code": "isp.unknow-error",
+    "sub_msg": "系统繁忙"
+}
+```

package/skill-pre/references/integration/modules/code-examples/nodejs/1-/351/200/232/347/224/250/346/216/245/345/217/243//347/273/237/344/270/200/346/224/266/345/215/225/344/272/244/346/230/223/346/237/245/350/257/242/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 统一收单交易查询接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->", // Node.js 使用 PKCS#1 格式私钥
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  signType: "RSA2",
+  // 第三方代调用模式下请设置 appAuthToken
+  // appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+const result = await alipaySdk.exec("alipay.trade.query", {
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",
+  },
+});
+
+if (result.code === "10000") {
+  const businessState = {
+    TRADE_SUCCESS: "PAID",
+    TRADE_FINISHED: "PAID",
+    WAIT_BUYER_PAY: "PENDING_PAYMENT",
+    TRADE_CLOSED: "CLOSED",
+  }[result.trade_status] || "UNKNOWN";
+  console.log("业务状态:", businessState, "支付宝状态:", result.trade_status);
+} else {
+  console.log("调用失败");
+}
+```
+
+## 响应示例
+### 正常示例
+```json
+{
+    "code": "10000",
+    "msg": "Success",
+    "trade_no": "ALIPAY_TRADE_NO_PLACEHOLDER",
+    "out_trade_no": "MERCHANT_ORDER_NO_PLACEHOLDER",
+    "buyer_logon_id": "159****5620",
+    "trade_status": "TRADE_SUCCESS",
+    "total_amount": "88.88",
+    "buyer_pay_amount": "8.88",
+    "receipt_amount": "15.25",
+    "invoice_amount": "12.11",
+    "buyer_user_id": "<BUYER_USER_ID>",
+    "send_pay_date": "2014-11-27 15:45:57"
+}
+```
+### 异常示例
+```json
+{
+    "code": "20000",
+    "msg": "Service Currently Unavailable",
+    "sub_code": "isp.unknow-error",
+    "sub_msg": "系统繁忙"
+}
+```

package/skill-pre/references/integration/modules/code-examples/nodejs/1-/351/200/232/347/224/250/346/216/245/345/217/243//347/273/237/344/270/200/346/224/266/345/215/225/344/272/244/346/230/223/351/200/200/346/254/276/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 统一收单交易退款接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->", // Node.js 使用 PKCS#1 格式私钥
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  signType: "RSA2",
+  // 第三方代调用模式下请设置 appAuthToken
+  // appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+const result = await alipaySdk.exec("alipay.trade.refund", {
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",  // 商户订单号，与 trade_no 二选一
+    refund_amount: "200.12",             // 使用十进制定点金额；调用前校验累计退款不超过原订单实付金额
+    refund_reason: "正常退款",            // 退款原因，选填
+    out_request_no: "OUT_REQUEST_NO_PLACEHOLDER", // 新退款使用新编号；同一退款失败重试必须复用原编号和原参数
+  },
+});
+
+if (result.code === "10000") {
+  if (result.fund_change === "Y") {
+    console.log("退款资金已发生变化，退款金额:", result.refund_fee);
+  } else {
+    console.log("退款结果待确认：使用同一 out_request_no 调用 alipay.trade.fastpay.refund.query");
+  }
+} else {
+  console.log("调用失败");
+}
+```
+
+## 响应示例
+### 正常示例
+```json
+{
+    "code": "10000",
+    "msg": "Success",
+    "trade_no": "ALIPAY_TRADE_NO_PLACEHOLDER",
+    "out_trade_no": "MERCHANT_ORDER_NO_PLACEHOLDER",
+    "buyer_logon_id": "159****5620",
+    "fund_change": "Y",
+    "refund_fee": "88.88"
+}
+```
+### 异常示例
+```json
+{
+    "code": "20000",
+    "msg": "Service Currently Unavailable",
+    "sub_code": "isp.unknow-error",
+    "sub_msg": "系统繁忙"
+}
+```

package/skill-pre/references/integration/modules/code-examples/nodejs/1-/351/200/232/347/224/250/346/216/245/345/217/243//347/273/237/344/270/200/346/224/266/345/215/225/344/272/244/346/230/223/351/200/200/346/254/276/346/237/245/350/257/242/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 统一收单交易退款查询接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->", // Node.js 使用 PKCS#1 格式私钥
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  signType: "RSA2",
+  // 第三方代调用模式下请设置 appAuthToken
+  // appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+const result = await alipaySdk.exec("alipay.trade.fastpay.refund.query", {
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",   // 商户订单号，与 trade_no 二选一
+    out_request_no: "OUT_REQUEST_NO_PLACEHOLDER",          // 退款请求号，必填，同一笔交易多次部分退款时用于区分
+  },
+});
+
+if (result.code === "10000") {
+  console.log("调用成功");
+} else {
+  console.log("调用失败");
+}
+```
+
+## 响应示例
+### 正常示例
+```json
+{
+    "code": "10000",
+    "msg": "Success",
+    "trade_no": "ALIPAY_TRADE_NO_PLACEHOLDER",
+    "out_trade_no": "MERCHANT_ORDER_NO_PLACEHOLDER",
+    "out_request_no": "OUT_REQUEST_NO_PLACEHOLDER",
+    "total_amount": "100.20",
+    "refund_amount": "12.33",
+    "refund_status": "REFUND_SUCCESS"
+}
+```
+### 异常示例
+```json
+{
+    "code": "20000",
+    "msg": "Service Currently Unavailable",
+    "sub_code": "isp.unknow-error",
+    "sub_msg": "系统繁忙"
+}
+```

package/skill-pre/references/integration/modules/code-examples/nodejs/2-/347/275/221/347/253/231/346/224/257/344/273/230//347/273/237/344/270/200/346/224/266/345/215/225/344/270/213/345/215/225/345/271/266/346/224/257/344/273/230/351/241/265/351/235/242/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

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+# 统一收单下单并支付页面接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->", // Node.js 使用 PKCS#1 格式私钥
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  signType: "RSA2",
+  // 第三方代调用模式下请设置 appAuthToken
+  // appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+// ⚠️ 网站支付必须使用 pageExec() 方法，不能使用 exec()
+// ⚠️ pageExec() 第二个参数必须传 'POST'
+// ⚠️ notifyUrl 在真实生产或公网联调时传入；本地生产参数验收模式可临时不传，但仍需实现通知处理代码
+// ⚠️ 本地没有公网 HTTPS notifyUrl 时，直接省略 notifyUrl，不要向 SDK 传 undefined、空字符串或占位 URL
+// ⚠️ returnUrl 默认传入，仅在用户明确关闭同步回跳时省略
+const notifyUrl = (process.env.ALIPAY_NOTIFY_URL || "").trim();
+const requestOptions = {
+  returnUrl: "https://your-domain.com/return", // 默认传入并替换为已验证结果页；仅用户明确关闭同步回跳时省略
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",         // 商户订单号，必填
+    total_amount: "88.88",                      // 订单总金额，必填，单位为元，精确到小数点后两位
+    subject: "Iphone6 16G",                     // 订单标题，必填
+    product_code: "FAST_INSTANT_TRADE_PAY",     // 网站支付固定值，必填
+  },
+};
+if (notifyUrl) {
+  requestOptions.notifyUrl = notifyUrl;
+}
+
+const result = alipaySdk.pageExec(
+  "alipay.trade.page.pay",
+  "POST",
+  requestOptions
+);
+
+// pageExec 返回的是 HTML 表单字符串，前端需要渲染并自动提交
+// ⚠️ 禁止用 URL 直接跳转，否则页面只会显示参数而无法跳转支付宝
+console.log(result);
+```
+
+### 前端渲染支付表单
+
+```javascript
+// pageExec 返回的 result 是包含自动提交脚本的 HTML <form> 字符串
+// 前端必须将此 HTML 渲染到页面并自动提交表单
+
+// ✅ 正确写法（以浏览器端 JavaScript 为例）
+if (data.paymentHtml) {
+  const container = document.createElement('div');
+  container.innerHTML = data.paymentHtml;
+  container.style.position = 'fixed';
+  container.style.top = '0';
+  container.style.left = '0';
+  container.style.width = '100%';
+  container.style.height = '100%';
+  container.style.zIndex = '9999';
+  container.style.background = 'white';
+  document.body.appendChild(container);
+  const form = container.querySelector('form');
+  if (form) form.submit();
+}
+
+// ❌ 错误写法 — 禁止用 URL 直接跳转
+// window.location.href = data.paymentHtml; // 页面只会显示参数，无法跳转支付宝
+```
+
+## 响应示例
+
+### 正常示例
+
+```html
+<form name="punchout_form" method="post" action="https://openapi.alipay.com/gateway.do?charset=UTF-8&method=alipay.trade.page.pay&format=json&sign=SIGN_PLACEHOLDER&version=1.0&app_id=20190xxxxxx&sign_type=RSA2&timestamp=2014-07-24+03%3A07%3A50">
+<input type="hidden" name="biz_content" value="{&quot;out_trade_no&quot;:&quot;MERCHANT_ORDER_NO_PLACEHOLDER&quot;,&quot;total_amount&quot;:&quot;88.88&quot;,&quot;subject&quot;:&quot;Iphone6 16G&quot;,&quot;product_code&quot;:&quot;FAST_INSTANT_TRADE_PAY&quot;}">
+<input type="submit" value="立即支付" style="display:none" >
+</form>
+<script>document.forms[0].submit();</script>
+```

package/skill-pre/references/integration/modules/code-examples/nodejs/3-APP/346/224/257/344/273/230/APP/346/224/257/344/273/230/346/216/245/345/217/243/344/273/243/347/240/201/347/244/272/344/276/213.md

@@ -0,0 +1,71 @@
+# APP 支付接口 - Node.js 示例
+
+## 请求示例
+
+```javascript
+const { AlipaySdk } = require("alipay-sdk");
+
+const alipaySdk = new AlipaySdk({
+  appId: "<-- 请填写您的AppId，例如：20190xxxxxx -->",
+  privateKey: "<-- 请填写您的应用私钥，例如：MIIE...（脱敏示例） -->",
+  alipayPublicKey: "<-- 请填写您的支付宝公钥，例如：MIIB...（脱敏示例） -->",
+  gateway: "https://openapi.alipay.com/gateway.do",
+  appAuthToken: "<-- 请填写应用授权令牌 -->",
+});
+
+// 真实生产或公网联调时传入 notifyUrl；本地没有公网 HTTPS notifyUrl 时直接省略，不要向 SDK 传 undefined、空字符串或占位 URL。
+const notifyUrl = (process.env.ALIPAY_NOTIFY_URL || "").trim();
+const requestOptions = {
+  bizContent: {
+    out_trade_no: "MERCHANT_ORDER_NO_PLACEHOLDER",
+    total_amount: "9.00",
+    subject: "大乐透",
+    product_code: "QUICK_MSECURITY_PAY",
+    goods_detail: [
+      {
+        goods_name: "ipad",
+        alipay_goods_id: "20010001",
+        quantity: 1,
+        price: "2000",
+        goods_id: "apple-01",
+        goods_category: "34543238",
+        categories_tree: "124868003|126232002|126252004",
+        show_url: "http://www.alipay.com/xxx.jpg",
+      },
+    ],
+    time_expire: "2016-12-31+10:05:00",
+    extend_params: {
+      sys_service_provider_id: "<SYS_SERVICE_PROVIDER_ID>",
+      hb_fq_seller_percent: "100",
+      hb_fq_num: "3",
+      industry_reflux_info:
+        '{\\"scene_code\\":\\"metro_tradeorder\\",\\"channel\\":\\"xxxx\\",\\"scene_data\\":{\\"asset_name\\":\\"ALIPAY\\"}}',
+      royalty_freeze: "true",
+      card_type: "S0JP0000",
+    },
+    passback_params: "merchantBizType%3d3C%26merchantBizNo%3dMERCHANT_BIZ_NO_PLACEHOLDER",
+    merchant_order_no: "MERCHANT_ORDER_NO_PLACEHOLDER",
+    ext_user_info: {
+      cert_type: "IDENTITY_CARD",
+      cert_no: "<CERT_NO>",
+      mobile: "<MOBILE>",
+      name: "李明",
+      min_age: "18",
+      need_check_info: "F",
+      identity_hash:
+        "<IDENTITY_HASH>",
+    },
+    query_options: ["hyb_amount", "enterprise_pay_info"],
+  },
+};
+if (notifyUrl) {
+  requestOptions.notifyUrl = notifyUrl;
+}
+const result = await alipaySdk.sdkExec("alipay.trade.app.pay", requestOptions);
+```
+
+## 响应示例
+### 正常示例
+```
+app_id=20190xxxxxx&biz_content=%7B%22time_expire%22%3A%222016-12-31+10%3A05%3A00%22%2C%22extend_params%22%3A%22%22%2C%22query_options%22%3A%22%5B%5C%22hyb_amount%5C%22%2C%5C%22enterprise_pay_info%5C%22%5D%22%2C%22subject%22%3A%22%E5%A4%A7%E4%B9%90%E9%80%8F%22%2C%22product_code%22%3A%22QUICK_MSECURITY_PAY%22%2C%22body%22%3A%22Iphone6+16G%22%2C%22passback_params%22%3A%22merchantBizType%253d3C%2526merchantBizNo%253dMERCHANT_BIZ_NO_PLACEHOLDER%22%2C%22specified_channel%22%3A%22pcredit%22%2C%22goods_detail%22%3A%22%22%2C%22merchant_order_no%22%3A%22MERCHANT_ORDER_NO_PLACEHOLDER%22%2C%22enable_pay_channels%22%3A%22pcredit%2CmoneyFund%2CdebitCardExpress%22%2C%22out_trade_no%22%3A%22MERCHANT_ORDER_NO_PLACEHOLDER%22%2C%22ext_user_info%22%3A%22%22%2C%22total_amount%22%3A%229.00%22%2C%22timeout_express%22%3A%2290m%22%2C%22disable_pay_channels%22%3A%22pcredit%2CmoneyFund%2CdebitCardExpress%22%2C%22agreement_sign_params%22%3A%22%22%7D&charset=UTF-8&format=json&method=alipay.trade.app.pay&sign=SIGN_PLACEHOLDER&sign_type=RSA2&timestamp=2014-07-24+03%3A07%3A50&version=1.0
+```