> ## Documentation Index > Fetch the complete documentation index at: https://docs.payallglobal.com/llms.txt > Use this file to discover all available pages before exploring further. # 实时余额查询 ## OpenAPI ````yaml post /api/mapi/v1/payments/open/api/currentBalanceQuery openapi: 3.1.0 info: version: '1.0' title: PayAllGlobal开放平台接口文档 summary: '' termsOfService: '' contact: name: 技术支持 email: support@payallglobal.com url: '' license: url: https://www.apache.org/licenses/LICENSE-2.0.html name: Apache 2.0 servers: - url: https://mpgwpre.payallglobal.com/mp-gateway/ description: 开发环境 - url: https://mpgw.payallglobal.com/mp-gateway/ description: 正式生产环境 security: - signature: [] tags: - name: 收单 - name: 其他交易类型 - name: 商户管理 - name: 文件下载 - name: 付款 paths: /api/mapi/v1/payments/open/api/currentBalanceQuery: post: tags: - 多币种资金管理 summary: 实时余额查询 operationId: post-aggregate-pay-api-gateway-currentBalanceQuery requestBody: content: application/json: schema: $ref: '#/components/schemas/CurrentBalanceQueryRequest' responses: '200': description: 查询成功 content: application/json: schema: $ref: '#/components/schemas/CurrentBalanceQueryResponse' security: - signature: [] servers: - url: https://mpgwpre.payallglobal.com/mp-gateway/ description: 开发环境 - url: https://mpgw.payallglobal.com/mp-gateway/ description: 正式生产环境 components: schemas: CurrentBalanceQueryRequest: allOf: - $ref: '#/components/schemas/BalanceBaseRequest' - type: object properties: requestTime: type: string description: 请求时间，符合rfc3339规范，格式：yyyy-MM-dd'T'HH:mm:ss.SSSXXX 时间需要在当前时间两分钟内 maxLength: 32 example: '2025-04-05T12:00:00.000+08:00' data: $ref: '#/components/schemas/CurrentBalanceQueryRequestData' required: - requestTime - appId - data CurrentBalanceQueryResponse: type: object required: - data - code - msg properties: code: type: string description: 返回码，’00000000’代表成功 example: '00000000' msg: type: string description: 返回描述，’Success’ example: Success data: $ref: '#/components/schemas/CurrentBalanceQueryResponseData' BalanceBaseRequest: type: object properties: charset: type: string description: 交互数据的编码【utf-8】 default: UTF-8 examples: - UTF-8 version: type: string description: "接口版本，当前版本为【2.0.0】,目前只能传2.0.0，不能不传\t" examples: - 2.0.0 transType: type: string enum: - PAY - CREDIT_CARD - 3D_PREAUTH_VOIDS - 3D_PREAUTH_COMPLETION - REFUND - VOIDS - QUERY - TRANSFER - DOWNLOAD - REGISTRATION - FILEUPLOAD - INQUIRYREGISTRATIONSTATUS - AUTHORIZE - BALANCE_QUERY description: 交易类型 default: BALANCE_QUERY accessType: type: string description: "接口访问类型\t" default: s2s examples: - s2s signType: type: string description: 报文签名类型 examples: - RSA memberId: type: string description: "机构号\t" examples: - '2023010558663764' merchantId: type: string description: "商户号\t" examples: - '2023010558663764' required: - charset - version - transType - accessType - signType - memberId - merchantId x-examples: Example 1: charset: UTF-8 version: 2.0.0 transType: string accessType: PAY signType: RSA memberId: stringstri merchantId: stringstri CurrentBalanceQueryRequestData: type: object title: 请求数据体 properties: accountType: type: array description: >- 账户类型,ACQUIRING 收单账户 FREEZE 冻结账户 SETTLE 待结算账户 REVERSE 保证金账户 当未指定账户类型时，返回所有账户 items: type: string maxLength: 32 examples: - AVAILABLE example: - ACQUIRING - SETTLE accountCurrency: type: string description: 币种代码,符合ISO 4217规范. 当未指定币种时，返回所有账户 maxLength: 3 example: USD CurrentBalanceQueryResponseData: type: object title: 返回数据体 required: - accountRealTimeTypes - inquiryTime properties: accountRealTimeTypes: type: array items: $ref: '#/components/schemas/AccountBalanceItem' example: - balance: 0.59 accountType: ACQUIRING currency: AED - balance: 776.34 accountType: ACQUIRING currency: USD inquiryTime: type: string description: 查询时间,符合rfc3339规范，格式：yyyy-MM-dd’T’HH:mm:ss.SSSXXX maxLength: 64 example: '2025-04-05T12:00:00.000+08:00' AccountBalanceItem: type: object required: - balance - accountType - currency properties: balance: type: number title: 金额 description: 单位元 format: double examples: - 9998.11 accountType: type: string title: 账户类型 maxLength: 32 examples: - AVAILABLE currency: type: string title: 3位币种代码 description: 符合ISO 4217规范. maxLength: 3 examples: - USD securitySchemes: signature: type: apiKey description: >- Example: MIIEpQIBAAKCAQEA...（Base64编码的签名字符串） ## 加签 加签是开放平台和商户对于交互消息完整性的校验。加签行为主要发生两个部分： 1. 商户服务器端针对向PayAllGlobal开放平台发送的请求报文进行加签； 2. PayAllGlobal开放平台针对通知商户的异步消息进行加签。 PayAllGlobal平台要求使用 RSA 私钥进行加签， 使用 RSA 公钥进行验签。 因此，在以上两部分描述的交互中， 存在商户公私钥、PayAllGlobal 公私钥，开发者需要使用商户私钥，对第一部分报文进行加签，使用 PayAllGlobal 公钥对第二部分消息进行验签。 ### 加签规则如下: 使用商户私钥对请求体进行 SHA256withRSA 签名后，再进行 Base64 编码的结果。 1. 使用 商户私钥对待 `request.body` 进行签名（SHA256WithRSA 计算原始数据的SHA-256哈希值。 使用私钥对哈希值进行签名，即使用私钥对哈希值进行RSA加密。此时得到的加密结果就是数字签名。）； ```java Signature signature = Signature.getInstance("SHA256withRSA"); signature.initSign(privateKey); // 计算 SHA256withRSA 签名时，需要以 utf-8 的编码转换 byte 流，否则可能导致含中文参数的签名计算不正确 signature.update(request.body); byte[] signedHash = signature.sign(); ``` 2. 将加签内容进行 Base64 编码； ```java String signature = Base64.getEncoder().encodeToString(signedHash); ``` 3. 将编码后的内容放在请求头部 signature 参数中。 注意，加签是对 request.body 进行签名，当查询等 request.body 为空时，则无需加签。 name: signature in: header ````