# 交易

## sessiontoken

生成凭证，用于前端加载webSDK，此接口在服务端发起，结果为sessionToken，用于前端发起请求的合法凭证，30分钟内有效。

{% content-ref url="/pages/4K3qUXrb3z36yq2C7EkX" %}
[Sessiontoken](/api-explorer/api-reference/jiao-yi/sessiontoken.md)
{% endcontent-ref %}

## Payment methods

创建和维护信用卡支付方式，包含创建、修改、查询、删除、与[客户](#customer)绑定等接口操作。

一般用于先存后付模式，商家可以提前收集客户卡号并创建支付ID，后续[进行扣款](#confirm-charge)时，无需再次收集卡号，直接传入支付ID就可以[进行扣款](#confirm-charge)（非PCI商户只能调用webSDK创建customerPaymentMethodId）。

{% content-ref url="/pages/YPeWejYM7FqUVM3XDSUT" %}
[Payment methods](/api-explorer/api-reference/jiao-yi/payment-methods.md)
{% endcontent-ref %}

## Customer

创建与维护客户信息，包含创建、修改、查询、删除客户信息等接口。

客户可以与[支付方式](#payment-methods)进行绑定，后续可以通过接口[查询此客户绑定的支付方式列表](/api-explorer/api-reference/jiao-yi/payment-methods.md#v2022-03-payment_methods-list-customerid)

{% content-ref url="/pages/vJ4vRCx4fZq6NgiBWyH7" %}
[customer](/api-explorer/api-reference/jiao-yi/customer.md)
{% endcontent-ref %}

## Confirm charge

支付扣款接口，可以自己收集卡号或者先[创建支付方式ID](#payment-methods)后，通过此接口进行扣款，同时也支持订阅支付模式。

注：非PCI商户只能调用webSDK创建customerPaymentMethodId后，再发起扣款请求

{% content-ref url="/pages/1dVRtiCwvP8pwK5i3TCy" %}
[Confirm charge](/api-explorer/api-reference/jiao-yi/confirm-charge.md)
{% endcontent-ref %}

## Check out payment

跳转支付接口，接口返回redirectUrl支付页面，商户需要跳转客户到此地址。

支付页面上会展示网关绑定的所有支付通道，客户可以选择不同的支付方式进行付款。

{% content-ref url="/pages/ssApkmEsxKfSAJ3XnLCG" %}
[Checkout payment](/api-explorer/api-reference/jiao-yi/checkout-payment.md)
{% endcontent-ref %}

## Local payment

本地支付直连接口，接口返回本地支付redirectUrl，商户需要跳转客户到此地址。

该接口根据 paymentMethod 字段直接跳转相应的本地支付页面。

{% content-ref url="/pages/H3xdyhfyI66u15QevepZ" %}
[Local payment](/api-explorer/api-reference/jiao-yi/local-payment.md)
{% endcontent-ref %}


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