Ria Money Transfer 图标

Ria Money Transfer 数据 API:报价、PIN 与收款人

Ria Financial · 支付

Ria Money Transfer 是 Ria Financial(Euronet Worldwide 旗下品牌)面向个人汇款用户的 Android 客户端,帮助从美国、西班牙等汇款市场向海外家人发送现金取现、银行存款、移动钱包、送货上门、ATM 取现、PIX、UPI 以及借记卡兑付。汇款人在 Calculator 上为某条走廊询价,可用已保存的借记卡或信用卡(经 Adyen 与 Cardinal 3-D Secure)、Plaid 关联的银行账户、智利 Fintoc 开放银行、Google Pay 或 Ria 钱包付款,随后在 Activity 里凭订单 PIN 跟踪汇款。同一个登录外壳还汇集已保存收款人、Find Locations 网点查询、Onfido / Veriff / Signicat 身份核验、BlinkCard 扫描、促销活动、ATM 兑付与应用内客服聊天。它与 Western Union、MoneyGram、Remitly、Xoom 和 Wise 竞争,争夺从美国与欧洲发往墨西哥、印度、巴西、尼日利亚、越南和印尼的家庭汇款。

报价走廊按兑付方式返回 amountFrom、exchangeRate 与 transferFee——现金取现、银行存款、移动钱包、送货上门、ATM、PIX 与 UPI——并在适用优惠码时给出 promo 与 correspondent-payout 费用拆分。登录后的 Activity 行按 OrderNo 与 Pin 分页历史订单,带收款人姓名、DelivMethod、ShownOrderStatus 与兑付网点 id;追踪查询再为同一 PIN 补全 ETA、可否取消与事件时间线。

收款人簿暴露银行 routing、PIX/VPA 标识与移动钱包账号,用于预填下一次汇款;支付账户快照保留脱敏借记卡与 Plaid 验证的银行账户供结账使用。KYC 资料卡携带 CustomerId、出生日期、身份证件与 HasKYCDone,让合规人员判断 Onfido、Veriff 或 Signicat 是否仍需运行。财资、收款侧运营与网点查询工具消费同一组报价、PIN、收款人与代理网点字段;openData Studio 将其转化为可调用的开放数据。

应用截图

  • Ria Money Transfer 应用截图 1
  • Ria Money Transfer 应用截图 2
  • Ria Money Transfer 应用截图 3
  • Ria Money Transfer 应用截图 4
  • Ria Money Transfer 应用截图 5
  • Ria Money Transfer 应用截图 6
  • Ria Money Transfer 应用截图 7
  • Ria Money Transfer 应用截图 8

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。

  • 创建匿名会话

    GET /v1/sessions/bootstrap opendata

    打开应用后续所有询价、汇款、追踪与资料调用共用的渠道会话,签发 JWT 并解析 ISO/IP 国家与功能开关。

    认证方式: 匿名引导(请求不带 Authorization 头)。返回的 authToken.jwtToken 随后作为 Authorization: Bearer 附加在后续调用上,并连同 channel、device-id、market 与 app-version 头一起发送。

    • authToken.jwtToken
    • authToken.tokenType
    • authenticationResult
    • versionInfo
    • customerProfile
    • featureFlags
    • isoCode
    • ipIsoCode
    • cultureCode
    • customerId
    GET /v1/sessions/bootstrap?deviceId=a3f1c9e2&platform=android HTTP/1.1
    X-Client-Channel: mobile
    X-Market: US
    Accept: application/json
    {
      "authToken": {
        "jwtToken": "<session_token>",
        "tokenType": "Bearer"
      },
      "authenticationResult": {"RetVal": 1, "RetMsg": "Success"},
      "versionInfo": {"apiVersion": "4.0.0"},
      "customerProfile": null,
      "featureFlags": {"new_send_money_flow": true},
      "session": {"isoCode": "US", "ipIsoCode": "US", "cultureCode": "en-US", "customerId": null}
    }
  • 汇款人登录

    POST /v1/identity/login osint

    鉴权汇款人并返回 access/refresh 令牌对,以及用于渲染仪表盘并门控后续客户调用的 UserId。

    认证方式: 以引导调用返回的会话令牌作为 Bearer Authorization 头。请求体携带 username、password、deviceToken、deviceId 与 sessionId。HTTP 307 响应表示进入 OTP 升级步骤,由 challenge-verify 调用继续完成。

    • access_token
    • token_type
    • refresh_token
    • expires_in
    • HasValidDeviceToken
    • VerifiedDevice
    • PhoneUpdateRequired
    • BirthDateStepUpRequired
    • UserId
    • LoginName
    • ReservedCustomerId
    • IsLiteUser
    • RetVal
    POST /v1/identity/login HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    Content-Type: application/json
    
    {
      "username": "[email protected]",
      "password": "<password>",
      "deviceToken": "devtok_9c21",
      "deviceId": "a3f1c9e2",
      "sessionId": "sess_18af"
    }
    {
      "Value": {
        "access_token": "at_7e21",
        "token_type": "Bearer",
        "refresh_token": "rt_4c90",
        "expires_in": 3600,
        "HasValidDeviceToken": true,
        "VerifiedDevice": "devtok_9c21",
        "PhoneUpdateRequired": false,
        "BirthDateStepUpRequired": false,
        "User": {
          "UserId": 8842103,
          "LoginName": "[email protected]",
          "ReservedCustomerId": 5510021,
          "IsLiteUser": false
        }
      },
      "Result": {"RetVal": 1, "RetMsg": "Success"}
    }
  • 校验登录 OTP

    POST /v1/identity/login/challenge/verify osint

    消费登录升级后签发的邮件/短信一次性验证码,并铸造与密码登录相同的 access_token 对。

    认证方式: 以会话令牌作为 Bearer Authorization 头。完成登录后的 OTP 升级步骤,携带 referenceValue、code 与 securityCode。

    • access_token
    • token_type
    • refresh_token
    • expires_in
    • HasValidDeviceToken
    • RetVal
    • RetMsg
    POST /v1/identity/login/challenge/verify HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    Content-Type: application/json
    
    {
      "referenceValue": "ref_otp_331",
      "code": "482193",
      "securityCode": "sc_19"
    }
    {
      "Value": {
        "access_token": "at_7e21",
        "token_type": "Bearer",
        "refresh_token": "rt_4c90",
        "expires_in": 3600,
        "HasValidDeviceToken": true
      },
      "Result": {"RetVal": 1, "RetMsg": "Success"}
    }
  • 读取已登录用户资料

    GET /v1/senders/me osint

    返回已登录用户卡片——登录名、关联的 CustomerId、lite/omni 标记与 KYC 状态——用于渲染 Account 页面并门控汇款入口。

    认证方式: Bearer access_token(或登录后不久的会话令牌),外加 channel、device-id 与 market 头。

    • UserId
    • ReservedCustomerId
    • LoginName
    • IsLiteUser
    • IsLinkedToCustomer
    • IsOmniCustomer
    • emailVerified
    • CustomerId
    • CustomerNumber
    • FirstName
    • FirstLastName
    • DateOfBirth
    • HasKYCDone
    • OnHold
    • IdentityVerification.status
    • kycResult
    GET /v1/senders/me HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    X-Market: US
    Accept: application/json
    {
      "UserId": 8842103,
      "ReservedCustomerId": 5510021,
      "LoginName": "[email protected]",
      "IsLiteUser": false,
      "IsLinkedToCustomer": true,
      "IsOmniCustomer": false,
      "MustAcceptedNewLicense": false,
      "emailVerified": true,
      "Customer": {
        "CustomerId": 5510021,
        "CustomerNumber": "C5510021",
        "FirstName": "Maria",
        "FirstLastName": "Santos",
        "DateOfBirth": "1991-04-18",
        "EmailAddress": "[email protected]",
        "CountryId": 1,
        "HasKYCDone": true,
        "OnHold": false,
        "City": "San Jose",
        "State": "CA",
        "PostalCode": "95131"
      },
      "IdentityVerification": {"status": "Verified", "kycResult": "PASS", "attemptsLeft": 3}
    }
  • 读取客户 KYC 资料

    GET /v1/senders/me/kyc-profile osint

    加载 Account Settings 使用的可编辑客户资料——地址、出生日期、职业、税号标记与证件核验状态。

    认证方式: 登录后的 Bearer access_token。

    • id
    • firstName
    • lastName
    • address
    • city
    • state
    • postalCode
    • country
    • dateOfBirth
    • emailAddress
    • nationality
    • occupation
    • hasTaxId
    • disabled
    • mobilePhone
    • identification.documentVerificationStatus
    • idVerificationRequired
    GET /v1/senders/me/kyc-profile HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    X-Market: US
    Accept: application/json
    {
      "id": 5510021,
      "firstName": "Maria",
      "middleName": "",
      "lastName": "Santos",
      "address": "2211 N 1st St",
      "city": "San Jose",
      "state": "CA",
      "postalCode": "95131",
      "country": "US",
      "dateOfBirth": "1991-04-18",
      "emailAddress": "[email protected]",
      "nationality": "US",
      "occupation": "Software engineer",
      "hasTaxId": true,
      "disabled": false,
      "mobilePhone": {"countryCode": "1", "number": "4155550123"},
      "identification": {
        "documentVerificationStatus": "Verified",
        "idVerificationRequired": false
      },
      "willReceiveSmsNotifications": true,
      "willReceiveEmailNotifications": true
    }
  • 走廊费用询价

    POST /v1/quotes/estimate openfinance

    Calculator 查询:发送/到账金额、币种与兑付方式返回汇率、汇款手续费、税、优惠与代理兑付费用,用于下单前渲染报价。

    认证方式: 未登录的 Calculator 使用会话令牌即可;登录调用额外附带 access_token。与 country catalog 及功能查询一样可匿名访问。

    • amountFrom
    • amountTo
    • exchangeRate
    • exchangeRatePromo
    • transferFee
    • originalCustomerFee
    • promoAmount
    • taxAmount
    • totalFeesAndTaxes
    • totalAmount
    • isPromoValid
    • sendAmountUSD
    • isEarlyReleaseLikely
    • correspondentPayoutFeeAmount
    • sendAmountLimit
    POST /v1/quotes/estimate HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    X-Market: US
    Content-Type: application/json
    
    {
      "selections": {
        "countryTo": "MX",
        "amountFrom": 200,
        "amountTo": null,
        "currencyFrom": "USD",
        "currencyTo": "MXN",
        "paymentMethod": "DebitCard",
        "deliveryMethod": "BankDeposit",
        "shouldCalcAmountFrom": false,
        "shouldCalcVariableRates": true,
        "shouldCalcFeesForPaymentMethods": ["DebitCard", "BankAccount"],
        "promoCode": ""
      }
    }
    {
      "model": {
        "transferDetails": {
          "calculations": {
            "amountFrom": 200.00,
            "amountTo": 3704.00,
            "exchangeRate": 18.52,
            "exchangeRatePromo": 18.52,
            "transferFee": 3.99,
            "originalCustomerFee": 3.99,
            "promoAmount": 0,
            "taxAmount": 0,
            "totalFeesAndTaxes": 3.99,
            "totalAmount": 203.99,
            "isPromoValid": false,
            "sendAmountUSD": 200.00,
            "isEarlyReleaseLikely": true,
            "correspondentPayoutFeeAmount": 0,
            "sendAmountLimit": 2999.00
          }
        }
      }
    }
  • 分页转账活动

    POST /v1/senders/{customerId}/activity/search openbanking

    为已登录客户分页 Activity 列表——订单号、PIN、金额、收款人、兑付方式与兑付网点 id,用于追踪与取消。

    认证方式: Bearer access_token。路径中的 customerId 是用户资料返回的 ReservedCustomerId / CustomerId。

    • Id
    • OrderNo
    • Pin
    • AmountFrom
    • TransferAmount
    • PaymentCurrency
    • CurrencyTo
    • CountryFrom
    • CountryTo
    • BeneficiaryFirstName
    • BeneficiaryFirstLastName
    • BenNameId
    • DelivMethod
    • DelivMethodName
    • BankName
    • PayAgentId
    • ShownOrderStatus
    • Cancellable
    • EnteredTime
    • TotalAmount
    POST /v1/senders/5510021/activity/search HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    Content-Type: application/json
    
    {
      "Page": 0,
      "PageSize": 20
    }
    [
      {
        "Id": 90018422,
        "OrderNo": "US12345678",
        "Pin": "12345678",
        "AmountFrom": 200.00,
        "TransferAmount": 3704.00,
        "PaymentCurrency": "USD",
        "CurrencyTo": "MXN",
        "CountryFrom": "US",
        "CountryTo": "MX",
        "BeneficiaryFirstName": "Luis",
        "BeneficiaryFirstLastName": "Santos",
        "BenNameId": 44102,
        "DelivMethod": 2,
        "DelivMethodName": "BankDeposit",
        "BankName": "BBVA Mexico",
        "PayAgentId": 2044,
        "PayAgentLocId": 88121,
        "ShownOrderStatus": "Available",
        "OrderStatusCategory": 2,
        "Cancellable": true,
        "EnteredTime": "2026-10-18T16:04:11Z",
        "DateAvailablePayout": "2026-10-18T16:12:00Z",
        "TotalAmount": 203.99,
        "TaxAmount": 0,
        "Barcode": "*12345678*"
      }
    ]
  • 按 PIN 追踪订单

    POST /v1/orders/status-lookup openbanking

    Track Transfer 详情按订单号 / PIN 查询——金额、汇率、费用、ETA、可取消标记与渲染在 Activity 上的事件时间线。

    认证方式: Bearer access_token(未登录在 Track Transfer 输入 PIN 时会话令牌亦可)。

    • orderId
    • orderNumber
    • pin
    • amountFrom
    • amountTo
    • exchangeRate
    • customerFee
    • customerTax
    • totalAmount
    • shownOrderStatus
    • isEligibleForCancellation
    • eta
    • agentToId
    • cashPayoutType
    • recipient.firstName
    • events.event
    • events.date
    POST /v1/orders/status-lookup HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    Content-Type: application/json
    
    {
      "orderNumber": "US12345678",
      "getEventDetails": true,
      "getEta": true
    }
    {
      "orderId": 90018422,
      "orderNumber": "US12345678",
      "pin": "12345678",
      "amountFrom": 200.00,
      "amountTo": 3704.00,
      "currencyFrom": "USD",
      "currencyTo": "MXN",
      "countryTo": "MX",
      "exchangeRate": 18.52,
      "customerFee": 3.99,
      "customerTax": 0,
      "totalAmount": 203.99,
      "shownOrderStatus": "Available",
      "isEligibleForCancellation": true,
      "isModifiable": false,
      "eta": "2026-10-18T18:00:00Z",
      "agentToId": 2044,
      "agentTo": {"name": "BBVA Mexico"},
      "cashPayoutType": null,
      "recipient": {"id": 44102, "firstName": "Luis", "lastName1": "Santos"},
      "events": [
        {"event": "Created", "description": "Transfer created", "date": "2026-10-18T16:04:11Z"},
        {"event": "Available", "description": "Ready for payout", "date": "2026-10-18T16:12:00Z"}
      ]
    }
  • 预订新汇款

    PUT /v1/senders/{customerId}/orders/placements openfinance

    在 Calculator 与收款人选择之后下单;成功返回收据与 Activity 行上使用的 OrderNo、PIN 与条形码。

    认证方式: Bearer access_token。customerId 来自用户资料。强客户认证 / 3-D Secure 与诈骗提醒升级步骤可能在另一个订单完成调用上继续。

    • BeneficiaryAsACustomerId
    • DeliveryMethodId
    • CountryTo
    • SendAmount
    • PayoutAmount
    • ExchangeRate
    • SendFee
    • Tax
    • CurrencyFrom
    • CurrencyTo
    • PayAgentId
    • PayAgentLocId
    • PaymentMethodId
    • PromoCode
    • RetVal
    • OrderNo
    • PIN
    • Barcode
    PUT /v1/senders/5510021/orders/placements HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    Content-Type: application/json
    
    {
      "BeneficiaryAsACustomerId": 44102,
      "DeliveryMethodId": "2",
      "CountryTo": "MX",
      "SendAmount": 200.00,
      "PayoutAmount": 3704.00,
      "ExchangeRate": 18.52,
      "SendFee": 3.99,
      "Tax": 0,
      "CurrencyFrom": "USD",
      "CurrencyTo": "MXN",
      "AmountTypeId": 1,
      "PayAgentId": 2044,
      "PayAgentLocId": 88121,
      "PaymentMethodId": "DebitCard",
      "PromoCode": "",
      "AcceptsTermsAndConditions": true,
      "DeviceTime": "2026-10-20T18:04:11Z",
      "ProvidedFields": []
    }
    {
      "Result": {"RetVal": 0, "RetMsg": "Success"},
      "Value": {
        "OrderNo": "US12345678",
        "PIN": "12345678",
        "Barcode": "*12345678*"
      }
    }
  • 列出已保存收款人

    GET /v1/senders/me/payees osint

    返回已登录汇款人的收款人簿——姓名、目的国与兑付通道(银行、PIX、VPA、移动钱包),用于预填 Send Money。

    认证方式: Bearer access_token。

    • id
    • firstName
    • lastName1
    • country
    • bankName
    • bankRoutingCode
    • bankAccountNumber
    • bankAccountType
    • bankBicSwift
    • pixIdType
    • vpaIdType
    • mobileWalletAccountNo
    • bankAgentId
    • bankLocationCity
    GET /v1/senders/me/payees HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    X-Market: US
    Accept: application/json
    [
      {
        "id": 44102,
        "firstName": "Luis",
        "middleName": "",
        "lastName1": "Santos",
        "lastName2": "",
        "country": "MX",
        "bankName": "BBVA Mexico",
        "bankRoutingCode": "012345678",
        "bankAccountNumber": "XXXXXX4411",
        "bankAccountType": "Checking",
        "bankBicSwift": "BCMRMXMM",
        "pixIdType": null,
        "vpaIdType": null,
        "mobileWalletAccountNo": null
      }
    ]
  • 列出现金取现网点

    GET /v1/payout-points opendata

    Find Locations / 现金取现选择器:代理、城市与金额返回带地址、地理坐标、营业时间与电话的兑付网点。

    认证方式: 会话令牌即可(匿名 Calculator 与 Find Locations)。登录调用额外附带 access_token。

    • agentToId
    • agentToName
    • locationId
    • locationName
    • locationAddress
    • locationCity
    • locationState
    • locationType
    • latitude
    • longitude
    • phone
    • businessHours
    • currency
    • payoutLocation
    • collectionLocation
    GET /v1/payout-points?agentToId=2044&cityId=9102&state=JAL&countryTo=MX&deliveryMethod=OfficePickup&transferAmount=3704&currencyTo=MXN&sendAmount=200 HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    Accept: application/json
    [
      {
        "agentToId": 2044,
        "agentToName": "Elektra Guadalajara Centro",
        "locationId": 88121,
        "locationName": "Elektra Centro",
        "locationAddress": "Av. Juarez 120",
        "locationAddress2": "",
        "locationCity": "Guadalajara",
        "locationState": "JAL",
        "locationType": "Office",
        "latitude": 20.6767,
        "longitude": -103.3475,
        "phone": "+523334445566",
        "businessHours": "09:00-21:00",
        "currency": "MXN",
        "payoutLocation": true,
        "collectionLocation": true
      }
    ]
  • 列出支付账户

    GET /v1/senders/me/funding-instruments openfinance

    为结账加载已保存的付款工具——Plaid 验证的银行账户与带脱敏卡号、有效期及 CVN 必填标记的借记/信用卡。

    认证方式: Bearer access_token。

    • bankAccounts
    • cardAccounts
    • accountId
    • accountAlias
    • bankName
    • localRoutingCode
    • maskedAccountNumber
    • verificationStatus
    • isDebit
    • isCvnRequired
    • accountExpirationMonth
    • accountExpirationYear
    • paymentMethod
    GET /v1/senders/me/funding-instruments HTTP/1.1
    Authorization: Bearer <access_token>
    X-Client-Channel: mobile
    X-Market: US
    Accept: application/json
    {
      "bankAccounts": [
        {
          "accountId": "ba_441",
          "accountAlias": "Chase checking",
          "accountCountry": "US",
          "accountCurrency": "USD",
          "accountType": "Checking",
          "bankName": "Chase",
          "localRoutingCode": "021000021",
          "maskedAccountNumber": "•••• 4411",
          "verificationStatus": "Verified",
          "paymentMethod": "BankAccount",
          "disabled": false
        }
      ],
      "cardAccounts": [
        {
          "accountId": "ca_882",
          "accountType": "Visa",
          "isDebit": true,
          "isCvnRequired": true,
          "isExpired": false,
          "accountExpirationMonth": 12,
          "accountExpirationYear": 2028,
          "maskedAccountNumber": "•••• 4242",
          "paymentMethod": "DebitCard",
          "firstName": "Maria",
          "lastName": "Santos"
        }
      ]
    }
  • 列出目的地移动钱包

    GET /v1/payout-rails/wallets opendata

    某条目的走廊的移动钱包兑付提供商目录,供 Mobile Wallet 兑付方式选择器使用。

    认证方式: 会话令牌或 access_token 作为 Bearer Authorization 头。查询参数 countryTo、currencyTo 与 currencyFrom。

    • Wallets
    • AggregatorId
    • WalletId
    • Name
    • AgentName
    GET /v1/payout-rails/wallets?countryTo=NG&currencyTo=NGN&currencyFrom=USD HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    Accept: application/json
    {
      "Wallets": [
        {"AggregatorId": 3102, "WalletId": 881, "Name": "MTN MoMo", "AgentName": "MTN Nigeria"},
        {"AggregatorId": 3104, "WalletId": 882, "Name": "Airtel Money", "AgentName": "Airtel Nigeria"}
      ]
    }
  • 加载国家目录与支付方式

    GET /v1/catalog/markets opendata

    Calculator 与注册的引导目录:可汇往/注册国家与汇款人国家提供的支付方式。

    认证方式: 会话令牌作为 Bearer Authorization 头;与 Calculator 引导及功能查询一样可匿名读取。

    • CountryId
    • Countries
    • Name
    • NameAbbrev
    • IsRegistrationCountry
    • IsSendToCountry
    • IsFavoriteSendToCountry
    • PaymentMethods
    GET /v1/catalog/markets?CountryId=1&locale=en-US HTTP/1.1
    Authorization: Bearer <session_token>
    X-Client-Channel: mobile
    Accept: application/json
    {
      "CountryId": 1,
      "Countries": [
        {"Name": "Mexico", "NameAbbrev": "MX", "IsRegistrationCountry": false, "IsSendToCountry": true, "IsFavoriteSendToCountry": true},
        {"Name": "United States", "NameAbbrev": "US", "IsRegistrationCountry": true, "IsSendToCountry": false, "IsFavoriteSendToCountry": false}
      ],
      "PaymentMethods": {
        "Value": [
          {"id": "DebitCard", "name": "Debit card"},
          {"id": "BankAccount", "name": "Bank account"}
        ]
      }
    }

数据类别

  • 报价
  • 汇款
  • 收款人
  • KYC 资料
  • 支付账户
  • 网点

数据使用场景与案例

  • 走廊报价对账

    财务团队在下单前按兑付方式拉取 amountFrom、exchangeRate、transferFee 与 correspondentPayoutFeeAmount,再与银行自有外汇表逐条比对 US-MX 与 ES-CO 走廊。

  • 收款侧运营的 PIN 追踪

    兑付合作方监控 OrderNo / Pin 以及 shownOrderStatus、eta 与 events,让 Elektra 或 BBVA 柜员无需致电汇款人即可知道一笔现金取现何时变为 Available。

  • 再次汇款的收款人簿预填

    家庭汇款 CRM 存储收款人簿中的 firstName、lastName1、bankRoutingCode 与 pixIdType,下一次汇款无需重新输入银行信息,仍可命中同一个 PayAgentId。

  • 更高额度的 KYC 门槛

    合规流程在提升 sendAmountLimit 之前读取 HasKYCDone、identification.documentVerificationStatus 与 IdentityVerification.kycResult,通过后才允许 NewTransaction 接受更大的 SendAmount。

常见问题

Calculator 暴露哪些报价字段?

报价调用按兑付方式(现金取现、银行存款、移动钱包、送货上门、ATM、PIX、UPI)返回 amountFrom、amountTo、exchangeRate、transferFee、originalCustomerFee、taxAmount、totalAmount、promo 标记、sendAmountUSD 与 correspondentPayoutFeeAmount。

一笔已预订汇款如何标识?

下单成功返回 OrderNo、PIN 与 Barcode。Activity 列表用同一 OrderNo/Pin 分页并带 ShownOrderStatus,订单状态查询再补充 eta、isEligibleForCancellation 与 events 时间线。

应用如何鉴权汇款人?

先签发匿名会话令牌,汇款人再用用户名与密码登录;必要时可通过邮件或短信一次性验证码升级登录。后续调用将该令牌作为 Bearer Authorization 头发送,并附带 channel、device-id 与 market 头。

收款人上会出现哪些兑付通道?

收款人簿携带 bankName、bankRoutingCode、bankAccountNumber、bankBicSwift、pixIdType、vpaIdType 与 mobileWalletAccountNo,以及现金取现使用的 PayAgentId;移动钱包提供商例如 MTN MoMo。

与 Ria Money Transfer 相似的应用

  • Western Union Send Money Now — 西联汇款可通过网站、应用或代理网点,向 200 个国家或地区的银行账户、手机钱包或现金提取点打款。
  • Remitly: Send Money & Transfer — Remitly 是总部位于西雅图的在线汇款服务,可向 170 多个国家打款,收款方式包括银行入账、手机钱包或现金提取。
  • Xoom: Send Money & Transfer — Xoom 是 PayPal 的数字汇款服务,可从美国、加拿大、英国及部分欧洲国家向 160 个国家的银行账户、手机钱包或现金提取点打款。
  • Wise: International Transfers — Wise(原 TransferWise)是伦敦的跨境汇款应用,提供国际转账、多币种账户以及 Wise 多币种卡。
  • MoneyGram — MoneyGram 是达拉斯的点对点汇款公司,合作网点覆盖 200 多个国家或地区,办理资金的发送与接收。
  • WorldRemit — WorldRemit 是伦敦的数字汇款应用,隶属 Zepz,覆盖 130 多个国家,收款方式包括银行转账、现金提取、手机钱包和话费充值。
  • Taptap Send: Money Transfer — Taptap Send 是面向非洲、亚洲和拉丁美洲目的地的国际汇款应用。
  • Xe Money Transfer & Currency — Xe 是加拿大外汇网站与应用,自 2015 年起隶属 Euronet Worldwide,可向 170 多个国家、100 多种货币办理个人汇款,收款方式包括银行入账、手机钱包或现金提取。

相关主题

  • Ria Money Transfer API
  • Ria 汇款报价
  • Ria PIN 追踪
  • Ria 收款人簿
  • Ria KYC 资料
  • Euronet Ria 数据 API
  • 现金取现网点 API

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