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芝麻免押

## 一、功能介紹

1. 申請信用服務前，請先完成 【[預授權支付](https://b.alipay.com/page/product-workspace/product-detail/I1080300001000065324 "預授權支付")】 和 【[芝麻免押](https://b.alipay.com/page/product-workspace/product-detail/I1080300001000056967 "芝麻免押")】 產品的開通。
2. 開通后獲取關鍵字段填至后臺，用于調用支付寶芝麻免押產品使用。
3. 如果希望用戶能夠使用花唄，則必須填寫支付寶用戶號，獲取收款賬戶的支付寶用戶號(賬號ID)

## 二、操作流程

#### 1、開通【預授權支付】 和 【芝麻免押】，查看 ?? [接入準備](https://opendocs.alipay.com/open/03w0a7?ref=api)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=626c39a28e76ec25135da4bb5eda9628)

#### 2、在開通【芝麻免押】時，需配置守護鏈接，查看 ?? [配置規范](https://opendocs.alipay.com/b/03ag31?pathHash=53111fa5)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=80fd5b69e4d5ffa2166f565444e7473d)

#### 3、配置【芝麻免押】

#### 配置風控類目、風控準入規則、芝麻分免押額度，查看 ?? [配置鏈接](https://b.alipay.com/page/zmgaia/pre-auth/risk-rules?creditScene=rent_online&creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&mode=edit&solutionId=solution_003&solutionName=%E7%BA%BF%E4%B8%8A%E5%AE%9E%E7%89%A9%E5%85%8D%E6%8A%BC%E7%A7%9F%E8%B5%81&version=2)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=010a7eecd448e39950da778fd75bec72)

## 三、配置芝麻免押

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=1bcc7f209fe7cd5a440ee591dd03de63)

#### 1、獲取【信用服務ID】，查看 ?? [快捷鏈接](https://b.alipay.com/page/zmgaia/pre-auth/creditservice?creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&version=2)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=8caf75107ecf50e3257a522bcf696c5b)

#### 2、獲取【評估方案ID】，查看 ?? [快捷鏈接](https://b.alipay.com/page/zmgaia/pre-auth/risk-rules?creditScene=rent_online&creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&mode=edit&solutionId=solution_003&solutionName=%E7%BA%BF%E4%B8%8A%E5%AE%9E%E7%89%A9%E5%85%8D%E6%8A%BC%E7%A7%9F%E8%B5%81&version=2)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=6d177aee6e77da81df2cf1ec6944f462)

#### 3、獲取【支付寶用戶號】，查看 ?? [快捷鏈接](https://open.alipay.com/develop/manage/account/manage)

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=e9a8a4d3e1cc3769018a453abe8757b1)

## 四、芝麻免押【技術驗收】和【線上流程驗收】

- 這些驗收工作是最后上線前需要做的準備工作

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=3d632d7ad38b76dc9defba788bb8713f)

#### 1、技術驗收

（1）獲取【[信用服務ID](https://b.alipay.com/page/zmgaia/pre-auth/index)】

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=022a850ea1f2b448c4a876bdc3df7b51)

（2）獲取【[商戶PID](https://open.alipay.com/develop/manage/account/manage)】（商家賬號登錄）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=a1b446c8021d0530669640c7939ffbbb)

（3）獲取【[用戶ID](https://open.alipay.com/develop/manage/account/manage)】（用戶賬號登錄）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=899e6da1d46a65a5d45ba902c9e7c365)

（4）獲取【[關閉交易用例-交易單號](https://b.alipay.com/page/mbillexprod/trade/order/sold)】（選擇未支付已關閉的訂單）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=e02bcc30ace197027fc2380f8491145c)

5.獲取【[關閉交易用例-授權單號](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通過商戶訂單編號+商家PID獲取）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=202a1b6eb8fae6558210871429dfb4a2)

6.獲取【[部分扣款用例-授權單號](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通過商戶訂單編號+商家PID獲取）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=444f6bbc2d45f2aa1b314089ae45c408)

7.獲取【[部分扣款用例-交易單號](https://b.alipay.com/page/mbillexprod/trade/order/sold)】（選擇已支付的訂單）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=42a173209254ad47828111a642964d60)

8.獲取【[額度解凍用例-授權單號](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通過商戶訂單編號+商家PID獲取）

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=5874fbf1ca639b5864e4821c7f27a761)

創建【關閉交易用例】方式：
第一步：使用未開通花唄并且賬戶余額不足以支付代扣金額的支付寶用戶下單（或已開通花唄，但是不足以支付代扣金額的支付寶用戶）
第二布：訂單確認收貨后生成賬單，在賬單詳情發起代扣

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=a45c8f1b41604d72327529c7bd4d59dd)

第三步：因為余額不足生成的待支付賬單，選擇取消代扣，成功后即可獲取交易關閉用例

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=b86967b4bff6bb5bc712ca8d31f0aa38)

驗收通過示例：
![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=dad5be1f52bdd786636324d39e21999e)

#### 2、線上驗收

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=5cae009720d972b0323dd7889317f3c2)

注意??：上傳的視頻編碼最好是H.264的，否則支付寶審核那邊打不開，直接不通過了。

![](https://md.www.hmcylw.com/server/index.php?s=/api/attachment/visitFile&sign=c2f8372aa7cc9eaeb8823766207837cd)

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