Google Pay for Business 商户收款码、结算与洞察数据接口

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Google Pay for Business 是 Google 面向印度杂货店、餐厅、诊所及其他受理 UPI 的门店的商户端应用，用于在 Bharat QR / UPI 收款码、GPay Soundbox 上收款，较大商户还可开通 UPI 信用卡与钱包通道。店主用 Google 账号登录，把静态收款码贴在收银处，听音箱报出每笔入账，再在交易与结算页查看当日流水和随后的银行入账。可按即时或每日定时把货款打到带 IFSC 的储蓄或活期账户；同一登录下还有店铺 Google Ads、Maps 上的 Google 商家资料、店员收款码，以及符合条件商户的贷款中心。产品以印度为主（UPI、Aadhaar/CKYC、GSTIN、PAN），与 PhonePe Business、Paytm for Business、BharatPe for Business 争夺同一批街边店铺，消费端 Google Pay（Tez）则是买家侧对应应用。

入账 UPI 流水把 googleTransactionId 与 receivedAmount 打在店铺的 upiId 上。批量打款再带 settlementAmount、settlementStatus 以及收款账户的 maskedAccountNumber 与 ifscCode。收银台收款码给出 qrCodeString 与 bharatQrDetails。

商户卡片落在 merchantDisplayName、gstin 与 Aadhaar/CKYC 标志（hasAadhaar、ckycReferenceNumber）。按日汇总滚出 aggregatedDebitCreditOneDay 与 amountReceivedThisMonth；Maps 评分给出 averageRating。Soundbox 待缴暴露 pendingDuesAmount 与 soundboxDeviceState。

对账把收款接到 IFSC 入账，放贷按贷款中心信用档案给店铺打分，门店运营把实体码牌映射到 merchantId。openData Studio 把这些字段变成可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

读取商户资料

POST /v1/shops/profile osint

加载已登录店铺的 merchantId、展示名与注册名、GSTIN 与 KYC 标志，供登录后首页抽屉使用。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

merchantId
merchantExternalId
merchantEntityId
merchantActorId
merchantDisplayName
businessDisplayName
businessRegisteredName
merchantCategory
gstin
hasGstin
hasPan
hasAadhaar

POST /v1/shops/profile HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "merchantId": "merchant:IN:8f2c1a90",
  "merchantExternalId": "GP4B-IN-10482937461",
  "merchantEntityId": "ent-7c21",
  "merchantActorId": "actor:8f2c1a90",
  "merchantDisplayName": "Verma General Store",
  "businessDisplayName": "Verma General Store",
  "businessRegisteredName": "RAJ VERMA",
  "merchantCategory": "GROCERY",
  "gstin": "07AABCU9603R1ZX",
  "hasGstin": true,
  "hasPan": true,
  "hasAadhaar": true
}

读取收款余额

POST /v1/shops/balance openbanking

读取店铺尚未结算的收款余额（amountInMicros），供首页银行余额卡片使用。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

currentBalance
amountInMicros
currencyCode
instrumentId
defaultCollectionInstrumentId

POST /v1/shops/balance HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "currentBalance": {
    "amountInMicros": 124305000000,
    "currencyCode": "INR"
  },
  "instrumentId": "instr-axis-4821",
  "defaultCollectionInstrumentId": "instr-axis-4821"
}

列出商户交易

POST /v1/shops/payments/list openbanking

为交易页分页返回入账 UPI 流水：每行含付款人、金额、UPI id 与结算状态。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

transactionId
googleTransactionId
displayVendorTransactionId
receivedAmount
payerName
payerActorIds
upiId
settlementStatus
isSettled
settledTime
creditAmount
debitAmount

POST /v1/shops/payments/list HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90",
  "pageSize": 20
}

{
  "transactions": [
    {
      "transactionId": "txn-9c41e2",
      "googleTransactionId": "GPay:2026-10-20:9c41e2",
      "displayVendorTransactionId": "AXIS482193847561",
      "receivedAmount": {
        "amountInMicros": 350000000,
        "currencyCode": "INR"
      },
      "payerName": "ANITA SHARMA",
      "payerActorIds": ["actor:payer-441"],
      "upiId": "anita@okaxis",
      "settlementStatus": "SETTLED",
      "isSettled": true,
      "settledTime": "2026-10-20T13:12:04Z",
      "creditAmount": {
        "amountInMicros": 350000000,
        "currencyCode": "INR"
      }
    }
  ],
  "nextPageToken": "CggIARAC"
}

读取交易汇总

POST /v1/shops/payments/rollup opendata

返回 1 天 / 7 天 / 30 天借贷汇总，驱动交易页洞察卡片。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

aggregatedDebitCreditOneDay
aggregatedDebitCreditSevenDays
aggregatedDebitCreditOneMonth
amountReceivedThisMonth
totalTransactionsCount
firstTransactionTimestamp
dailyAggregations
aggregatedMonetaryValue

POST /v1/shops/payments/rollup HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "aggregatedDebitCreditOneDay": {
    "creditAmount": {"amountInMicros": 18450000000, "currencyCode": "INR"},
    "debitAmount": {"amountInMicros": 0, "currencyCode": "INR"}
  },
  "aggregatedDebitCreditSevenDays": {
    "creditAmount": {"amountInMicros": 112300000000, "currencyCode": "INR"}
  },
  "aggregatedDebitCreditOneMonth": {
    "creditAmount": {"amountInMicros": 486700000000, "currencyCode": "INR"}
  },
  "amountReceivedThisMonth": {"amountInMicros": 486700000000, "currencyCode": "INR"},
  "totalTransactionsCount": 1284,
  "firstTransactionTimestamp": "2024-03-11T08:02:11Z",
  "dailyAggregations": [],
  "aggregatedMonetaryValue": {"amountInMicros": 486700000000, "currencyCode": "INR"}
}

读取商户收款码

POST /v1/shops/codes/primary openbanking

返回收银台收款码载荷（UPI intent 与 Bharat QR EMV），用于首页收款码卡片与可导出码牌。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

merchantQrCode
qrCodeString
upiId
upiIds
bharatQrDetails
applicationQrCodeString

POST /v1/shops/codes/primary HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "merchantQrCode": {
    "qrCodeString": "upi://pay?pa=verma.store@okaxis&pn=Verma%20General%20Store&cu=INR",
    "upiId": "verma.store@okaxis",
    "upiIds": ["verma.store@okaxis"],
    "bharatQrDetails": {
      "qrCodeString": "0002010102112637..."
    },
    "applicationQrCodeString": "upi://pay?pa=verma.store@okaxis&pn=Verma%20General%20Store&cu=INR"
  }
}

读取结算银行账户

POST /v1/shops/payout-account openbanking

读取绑定结算工具：脱敏账号、IFSC、银行名与账户名，供设置页银行账户卡片使用。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

bankAccountDetails
maskedAccountNumber
bankAccountLastFourDigits
ifscCode
bankName
accountType
nameOnAccount
bankSettlementTime

POST /v1/shops/payout-account HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90",
  "instrumentId": "instr-axis-4821"
}

{
  "bankAccountDetails": {
    "maskedAccountNumber": "********7305",
    "bankAccountLastFourDigits": "7305",
    "ifscCode": "UTIB0000123",
    "bankName": "Axis Bank",
    "accountType": "CURRENT",
    "nameOnAccount": "RAJ VERMA",
    "bankSettlementTime": "2026-10-20T13:05:00Z"
  }
}

列出批量结算

POST /v1/shops/payouts/list openbanking

为结算页列出即时与定时打款批次，含剩余可手动触发次数。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

scheduledBatchSettlements
settlementType
settlementStatus
settlementAmount
totalAmountToSettle
expectedSettlementTime
settlementCompletionTime
settlementCutoffTime
numberOfSettlementTriggersRemaining
relatedBatchSettlement

POST /v1/shops/payouts/list HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90",
  "pageSize": 10
}

{
  "scheduledBatchSettlements": [
    {
      "settlementType": "INSTANT",
      "settlementStatus": "SETTLED",
      "settlementAmount": {"amountInMicros": 18450000000, "currencyCode": "INR"},
      "totalAmountToSettle": {"amountInMicros": 18450000000, "currencyCode": "INR"},
      "expectedSettlementTime": "2026-10-20T13:00:00Z",
      "settlementCompletionTime": "2026-10-20T13:04:22Z",
      "settlementCutoffTime": "2026-10-20T12:55:00Z",
      "numberOfSettlementTriggersRemaining": 2,
      "relatedBatchSettlement": "batch-20261020-1300"
    }
  ]
}

导出交易

POST /v1/shops/payments/export openbanking

按日期范围导出对账单 / MDR 报表，CSV 列为 transactionId、payerName、paidVia、amount 与 settlementAmount。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

transactionId
creationTime
payerName
paidVia
amount
settlementAmount
type

POST /v1/shops/payments/export HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90",
  "dateRange": {
    "startDate": "2026-10-01",
    "endDate": "2026-10-20"
  }
}

{
  "rows": [
    {
      "transactionId": "txn-9c41e2",
      "creationTime": "2026-10-20T09:14:03Z",
      "payerName": "ANITA SHARMA",
      "paidVia": "UPI",
      "amount": {"amountInMicros": 350000000, "currencyCode": "INR"},
      "settlementAmount": {"amountInMicros": 350000000, "currencyCode": "INR"},
      "type": "CREDIT"
    }
  ]
}

读取顾客洞察

POST /v1/shops/audience/insights opendata

加载分析看板中的新客/回头客与独立付款人数卡片。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

customerInsights
transactedUniqueUsersCountRange
totalTransactionsCount
amountReceivedThisMonth

POST /v1/shops/audience/insights HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "customerInsights": {
    "transactedUniqueUsersCountRange": "100-500",
    "totalTransactionsCount": 1284,
    "amountReceivedThisMonth": {"amountInMicros": 486700000000, "currencyCode": "INR"}
  }
}

读取 Google Ads 统计

POST /v1/shops/promotions/stats opendata

返回应用内广告管理页的本地 Google Ads 效果：展示、点击、来电点击与单次转化成本。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

campaignId
adsDisplayStatus
impressions
clicks
callsClicksCounts
costPerConversion

POST /v1/shops/promotions/stats HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90",
  "campaignId": "camp-4412"
}

{
  "campaignId": "camp-4412",
  "adsDisplayStatus": "LIVE",
  "impressions": 18420,
  "clicks": 612,
  "callsClicksCounts": 48,
  "costPerConversion": {"amountInMicros": 12500000, "currencyCode": "INR"}
}

读取 Google 商家资料洞察
POST /v1/shops/listing/insights opendata
加载已关联 Google 商家资料地点的 Maps 洞察卡片（浏览、搜索、评分）。
认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。
- gmbInsights
- averageRating
- gbpPhoneNumber
```
POST /v1/shops/listing/insights HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}
```
```
{
  "gmbInsights": {
    "averageRating": 4.6,
    "gbpPhoneNumber": "+91-98765-43210"
  }
}
```

读取 Soundbox 设备详情

POST /v1/shops/speaker/status opendata

读取 Soundbox 订阅状态、待缴费用与运单号，供设备状态与物流跟踪页使用。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

soundboxDeviceState
soundboxDisplayDetails
pendingDuesAmount
currentPlanServiceFee
awbNumber

POST /v1/shops/speaker/status HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "soundboxDeviceState": "ACTIVE",
  "soundboxDisplayDetails": {
    "pendingDuesAmount": {"amountInMicros": 199000000, "currencyCode": "INR"},
    "currentPlanServiceFee": {"amountInMicros": 199000000, "currencyCode": "INR"}
  },
  "awbNumber": "GD123456789IN"
}

读取贷款报价

POST /v1/shops/credit/offer openfinance

加载符合条件商户在贷款中心看到的报价与还款授权对象。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

loanData
creditProfile
merchantCreditData
loanRepaymentInfo
pendingDuesAmount

POST /v1/shops/credit/offer HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "loanData": {
    "creditProfile": {},
    "merchantCreditData": {},
    "loanRepaymentInfo": {
      "pendingDuesAmount": {"amountInMicros": 0, "currencyCode": "INR"}
    }
  }
}

读取 Aadhaar 核验状态

POST /v1/shops/identity/verification osint

返回 Aadhaar eKYC / CKYC 与 PAN 核验状态，供开户与设置页核验流程使用。

认证方式：已登录 Google 账号的 OAuth 2.0 Bearer 令牌，置于 Authorization 请求头。

hasAadhaar
aadhaarConsentRecordDetails
ckycReferenceNumber
panId
registeredPan
hasPan
hasCkyc

POST /v1/shops/identity/verification HTTP/1.1
Authorization: Bearer <oauth_access_token>
Content-Type: application/json

{
  "merchantId": "merchant:IN:8f2c1a90"
}

{
  "hasAadhaar": true,
  "aadhaarConsentRecordDetails": {},
  "ckycReferenceNumber": "CKYC-IN-998877",
  "panId": "ABCDE1234F",
  "registeredPan": "ABCDE1234F",
  "hasPan": true,
  "hasCkyc": true
}

数据类别

商户资料
交易
结算
收款码
KYC
银行账户
广告
商家资料
贷款

数据使用场景与案例

UPI 入账到 IFSC 对账
夜间财务任务把收款流水列表行（googleTransactionId、receivedAmount、payerName、upiId）接到打款批次记录（settlementAmount、settlementCompletionTime、relatedBatchSettlement）以及收款账户的 maskedAccountNumber 与 ifscCode，杂货店不必等下一轮 Soundbox 报账就能核对即时与定时入账。
收款码牌台账
门店运营工具从收银台收款码接口拉取 qrCodeString、upiId 与 bharatQrDetails，再把扫到的实体码牌绑定到 merchantId / merchantExternalId。
按 merchantId 做商户 OSINT
调查方把 merchantId 解析为 merchantDisplayName、businessRegisteredName、gstin 与脱敏 maskedAccountNumber，勾勒用 Google Pay Bharat QR 进账的店铺。
按收银结构做放贷
应收账款贷款方读取 aggregatedDebitCreditOneMonth、amountReceivedThisMonth、transactedUniqueUsersCountRange 以及贷款中心的 creditProfile / loanRepaymentInfo，再给出流动资金报价。

常见问题

哪一个标识把 Google Pay for Business 店铺和它的收款码绑在一起？

店铺资料接口返回 merchantId（以及 merchantExternalId）；收款码接口在该店铺上给出收银台码牌的 qrCodeString、upiId 与 bharatQrDetails。

入账 UPI 如何识别？

收款流水列表的每一行带 googleTransactionId、displayVendorTransactionId、receivedAmount、payerName、upiId 与 settlementStatus。

结算银行信息出现在哪里？

收款账户接口给出 maskedAccountNumber、ifscCode、bankName 与 nameOnAccount；打款批次列表再给出 settlementAmount、settlementCompletionTime 与剩余即时结算次数。

接口是否覆盖广告、Maps 与 Soundbox？

覆盖。推广统计接口返回 campaignId、impressions、clicks 与 costPerConversion；商家资料洞察接口返回关联 Google 商家资料的 averageRating；音箱状态接口返回 soundboxDeviceState 与 pendingDuesAmount。

与 Google Pay for Business 相似的应用

Paytm for Business — Paytm for Business 是 One97 面向印度商户的应用，提供 All-in-One 收款码、SoundBox 语音播报、刷卡机、付款链接和银行结算，与 Google Pay for Business 做同一类店内 UPI 收款。
PhonePe Business — PhonePe Business 是 PhonePe 面向印度店铺的商户应用，提供扫码付款贴纸、SmartSpeaker 语音确认，以及可在柜台收银行卡和 UPI 的 POS。
BharatPe for Business — BharatPe for Business 是 Resilient Innovations 面向印度店铺的商户应用，提供 BharatPe 收款码、Speaker 语音播报、Swipe 刷卡终端以及 UPI 收款结算。
Razorpay POS — Razorpay POS 向印度零售商提供店内刷卡机、Growth DQR 收款码，以及可收 UPI 和银行卡的 Tap & Scan / Bharat Soundbox 设备。
Pine Labs — Pine Labs 出售店内 POS、Mini、VoicePod 和 UPI 产品，供印度零售商在柜台收银行卡和二维码付款，并语音播报。
Mswipe — Mswipe 是印度支付聚合商，其 Wisepos 终端和 Boombox 音箱让店铺可收银行卡、动态 UPI 收款码和付款链接，并用商户应用管理结算。
PayU — PayU 向印度商户提供店内和上门收款用的 Bharat QR，以及 POS 和覆盖银行卡、UPI 与网银的支付网关。

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

每个项目均签 NDA 与 SOW
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获取报价

Google Pay for Business 商户收款码、结算与洞察数据接口

应用截图

API 端点一览

读取商户资料

读取收款余额

列出商户交易

读取交易汇总

读取商户收款码

读取结算银行账户

列出批量结算

导出交易

读取顾客洞察

读取 Google Ads 统计

读取 Google 商家资料洞察

读取 Soundbox 设备详情

读取贷款报价

读取 Aadhaar 核验状态

数据类别

数据使用场景与案例

UPI 入账到 IFSC 对账

收款码牌台账

按 merchantId 做商户 OSINT

按收银结构做放贷

常见问题

与 Google Pay for Business 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

相关主题

需要集成这个 App 的数据 API？

Google Pay for Business 商户收款码、结算与洞察数据接口

应用截图

API 端点一览

读取商户资料

读取收款余额

列出商户交易

读取交易汇总

读取商户收款码

读取结算银行账户

列出批量结算

导出交易

读取顾客洞察

读取 Google Ads 统计

读取 Google 商家资料洞察

读取 Soundbox 设备详情

读取贷款报价

读取 Aadhaar 核验状态

数据类别

数据使用场景与案例

UPI 入账到 IFSC 对账

收款码牌台账

按 merchantId 做商户 OSINT

按收银结构做放贷

常见问题

相关应用

与 Google Pay for Business 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

CashBook - Balance & Expense

相关主题

需要集成这个 App 的数据 API？