Paytm 数据 API：钱包与存折背后的端点

Paytm 是印度最大的钱包 + UPI 超级应用。在钱包、存折（passbook）与支付界面背后，是一套分布在多个私有主机上的 HTTPS API。

API 端点一览

• 查询钱包与储蓄余额

  POST /v1/wallet/balance openbanking

  读取用户的 Paytm 钱包与 Paytm Payments Bank 储蓄账户余额。

  认证方式： SSO session cookie plus user / channel token request headers; client channel and app version query params.

  • accountBalance.value
  • accountBalance.currency
  • subWalletDetails
  • partnerBankBalances
  • redeemableInvestmentBalance
  • payerAccountExists
  • minTransactionAmount
  • maxTransactionAmount

  依据应用界面重构的示意示例，并非实时抓包。

  POST /v1/wallet/balance?channel=androidapp HTTP/1.1
  Cookie: sso_session=<session-token>
  X-User-Token: <user-token>
  Content-Type: application/json
  
  {"subWalletParams":{"subWalletType":"all"}}

  {
    "accountBalance": { "value": "1250.00", "currency": "INR" },
    "subWalletDetails": [ { "subWalletType": 1, "subWalletName": "Paytm Wallet" } ],
    "partnerBankBalances": [],
    "redeemableInvestmentBalance": 0.0,
    "payerAccountExists": "true",
    "isRedemptionAllowed": false,
    "minTransactionAmount": { "value": "1.00", "currency": "INR" },
    "maxTransactionAmount": { "value": "200000.00", "currency": "INR" }
  }

  依据应用界面推导；端点细节为示意说明，并非实际抓包。

  • reconstructed from the app's wallet balance screen
  • field names match the wallet payload the app renders

• 查询钱包存折交易流水

  POST /v1/wallet/statement openbanking

  分页返回钱包 / 银行存折（对账单），含逐笔交易 id、状态与金额。

  认证方式： SSO session cookie plus user token request header; client channel query param.

  • txnId
  • txnStatus
  • txnamount
  • currencyCode
  • payModeName
  • txnCategory
  • narration
  • txnFrom
  • txnTo
  • payeeId
  • payerId
  • qrId
  • walletOrderId
  • txnPostDate
  • feeDetails
  • extendedTxnInfo

  依据应用界面重构的示意示例，并非实时抓包。

  POST /v1/wallet/statement?channel=androidapp HTTP/1.1
  Cookie: sso_session=<session-token>
  X-User-Token: <user-token>
  Content-Type: application/json
  
  {"pageNo":1,"pageSize":20,"entrytype":"all","subWalletType":"all"}

  {
    "transactions": [
      {
        "txnId": "1789965001234567",
        "txnStatus": "SUCCESS",
        "txnamount": "499.00",
        "currencyCode": "INR",
        "payModeName": "Paytm Wallet",
        "txnCategory": "P2P",
        "narration": "Paid to Merchant",
        "txnTo": "Merchant Store",
        "txnPostDate": "2026-09-20 21:30:00",
        "walletOrderId": "WO_9988776655"
      }
    ]
  }

  依据应用界面推导；端点细节为示意说明，并非实际抓包。

  • reconstructed from the app's passbook (statement) screen
  • field names match the transaction rows the app renders

• 列出子钱包

  POST /v1/wallet/sub-accounts openbanking

  枚举用户的子钱包（主钱包、食品钱包、礼品券），含发行方与余额。

  认证方式： SSO session cookie plus user token request header; client channel query param.

  • id
  • subWalletType
  • subWalletName
  • displayName
  • accountNumber
  • issuedOn
  • expiry
  • walletType
  • issuerMetadata

  依据应用界面重构的示意示例，并非实时抓包。

  POST /v1/wallet/sub-accounts?channel=androidapp HTTP/1.1
  Cookie: sso_session=<session-token>
  X-User-Token: <user-token>
  Content-Type: application/json
  
  {}

  {
    "subWallets": [
      {
        "id": 1,
        "subWalletType": 1,
        "subWalletName": "Paytm Wallet",
        "displayName": "Paytm Balance",
        "accountNumber": "91XXXXXXXXXX",
        "issuedOn": "01-01-2021",
        "expiry": "31-12-2030",
        "walletType": "PAYTM",
        "issuerMetadata": "{}"
      }
    ]
  }

  依据应用界面推导；端点细节为示意说明，并非实际抓包。

  • reconstructed from the app's wallet landing screen

• 发起 UPI 收款（collect）

  POST /v1/upi/collect openbanking

  向 UPI 支付后端发起一笔 collect 收款，返回交易句柄。

  认证方式： SSO session plus device binding; the collect is authorised in-app with the UPI PIN via the bank's MPC flow.

  • txnId
  • status
  • payeeVpa
  • payeeName
  • amount
  • currency
  • txnNote
  • approvalFlow

  依据应用界面重构的示意示例，并非实时抓包。

  POST /v1/upi/collect HTTP/1.1
  Cookie: sso_session=<session-token>
  Content-Type: application/json
  
  {"payeeVpa":"merchant@upi","payeeName":"Merchant Store","amount":"499.00","txnNote":"Order payment","channel":"androidapp"}

  {
    "txnId": "UPI1789965001",
    "status": "PENDING",
    "payeeVpa": "merchant@upi",
    "amount": "499.00",
    "currency": "INR",
    "approvalFlow": "MPC_PIN"
  }

  依据应用界面推导；端点细节为示意说明，并非实际抓包。

  • reconstructed from the app's UPI pay flow

数据类别

• 余额
• 交易记录
• 钱包
• 支付
• UPI

数据使用场景与案例

• 个人记账聚合

  记账工具把钱包与储蓄余额、存折式交易流水汇入一张净资产视图，按支付方式与摘要自动分类。

• 商户对账

  卖家逐笔核对结算——交易号、金额、手续费、对手方——把钱包入账与自己的订单台账对齐。

• UPI 收款自动化

  ERP 工作流直接从逾期发票列表发起 UPI 收款请求，收款人、金额、备注预填，客户一键批准。

常见问题

相关主题

• Paytm API
• Paytm 数据接口
• Paytm 钱包 API
• Paytm 存折接口
• Paytm 余额端点
• Paytm Payments Bank
• Paytm UPI 端点