西联汇款 Send Money Now 数据 API

Western Union · 支付

《Western Union Send Money Now》是西联汇款面向消费者的安卓客户端，供从美国向海外家人汇出的用户使用：收款侧支持代理点现金提取、银行入账、手机钱包与送货上门。发款人在 Estimate Price 选择走廊，用借记卡/信用卡、ACH、Google Pay 或已存钱包付款，再凭 MTCN 在 Track Transfer 跟踪汇款。同一登录壳还包含账单代缴、狱中汇款、Ding 话费充值、Find Locations、My WU 积分、已存收款人与账单商户、客户仪表盘，以及跳转西联预付卡。它面向从美国向墨西哥、印度、巴西、越南、印尼、尼日利亚及其他收款市场汇款的家庭用户，竞品包括 Remitly、Xoom、Wise 与 MoneyGram。

走廊报价把发款侧 principal_amount 钉在收款侧 expected_payout_amount 上，并按打款方式给出 fees、fx_rate 与 service 码（现金提取、银行入账、钱包或送货上门）。付款完成后，同一笔汇款在 Track Transfer 与仪表盘历史上用 money_transfer_control.mtcn 和 transactionStatus 标识。

登录后的名册还包含 receivers.receiver 姓名与打款账户、资料上的 gatewayCustomer.preferredCustomer.accountNbr 与 identityVerificationStatus，以及 My WU 的 totalPointsEarned。代理点地图返回带 search_radius 的 reference_location.geo_coordinates。比价引擎、客服台与积分台账消费这些字段；openData Studio 把它们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。

创建数字会话
POST /v1/channel/sessions opendata
打开移动渠道会话，供后续报价、发款、跟踪与资料调用使用。
认证方式：匿名引导。响应里的 security.session.id 在后续调用中放入 JSON 体，并在报价请求中作为 Session-Token 请求头。
- channel.type
- channel.name
- channel.partner_id
- security.session.id
- security.session.encryptedSessionId
```
POST /v1/channel/sessions HTTP/1.1
Content-Type: application/json

{
  "channel": {
    "type": "SMARTPHONE",
    "name": "MOBILE_APP",
    "partner_id": "<partner-id>"
  },
  "security": {}
}
```
```
{
  "security": {
    "session": {
      "id": "sess_7f3a91c2",
      "encryptedSessionId": "enc_sess_9c21"
    }
  }
}
```

客户登录

POST /v1/channel/sessions/sign-on osint

验证发款人并返回用于仪表盘的 gateway 客户卡片：姓名、My WU 账号、KYC 标志与地址。

认证方式： JSON 体携带会话引导调用下发的 security.session.id。

gatewayCustomer.email
gatewayCustomer.name.firstName
gatewayCustomer.name.lastName
gatewayCustomer.dateOfBirth
gatewayCustomer.identityVerificationStatus
gatewayCustomer.preferredCustomer.accountNbr
gatewayCustomer.mobilePhone.phoneNumber.nationalNumber
gatewayCustomer.address.city
gatewayCustomer.registrationStatus
gatewayCustomer.transactionCount

POST /v1/channel/sessions/sign-on HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "channel": {
    "type": "SMARTPHONE"
  },
  "gateway_customer": {
    "email": "[email protected]",
    "security": {
      "password": "<password>"
    }
  }
}

{
  "gatewayCustomer": {
    "email": "[email protected]",
    "name": {
      "firstName": "Maria",
      "middleName": "",
      "lastName": "Santos"
    },
    "dateOfBirth": "1991-04-18",
    "identityVerificationStatus": "Y",
    "preferredCustomer": {
      "accountNbr": "123456789"
    },
    "mobilePhone": {
      "phoneNumber": {
        "countryCode": "1",
        "nationalNumber": "4155550123"
      }
    },
    "address": {
      "city": "San Jose",
      "state": "CA",
      "countryIsoCode": "US"
    },
    "registrationStatus": "ACTIVE",
    "transactionCount": 14
  }
}

查询走廊费用报价
GET /v1/pricing/estimates/{originCountry}/{originCurrency}/{destinationCountry}/{destinationCurrency}/{postalCode} openfinance
Estimate Price 查询：按发/收款国家币种与邮编返回各打款方式的费用、汇率与预计到账（现金 AG、银行 BA、钱包 WA、送货 HD）。
认证方式： Session-Token 请求头等于 security.session.id；可选 Partner-Id 请求头。
- servicesMeta
- service
- deliveryOptionDescription
- expected_payout_amount
- fees
- fx_rate
- exchange_rate
- principal_amount
- country_iso_code
- currency_iso_code
```
GET /v1/pricing/estimates/US/USD/MX/MXN/95131 HTTP/1.1
Session-Token: sess_7f3a91c2
Partner-Id: <partner-id>
Accept: application/json
```
```
{
  "servicesMeta": [
    {
      "service": "000",
      "deliveryOptionDescription": "Cash pickup",
      "expected_payout_amount": 185000,
      "fees": 499,
      "fx_rate": 18.52,
      "exchange_rate": 18.52
    },
    {
      "service": "500",
      "deliveryOptionDescription": "Bank deposit",
      "expected_payout_amount": 185200,
      "fees": 299,
      "fx_rate": 18.54
    }
  ]
}
```

列出汇款走廊

GET /v1/pricing/destinations opendata

收款国家目录，在费用报价前填充走廊选择器。

认证方式：可选 Partner-Id 请求头；目录 GET 不强制会话。

corridors
country_iso_code
currency_iso_code
country_name

GET /v1/pricing/destinations HTTP/1.1
Partner-Id: <partner-id>
Accept: application/json

{
  "corridors": [
    {
      "country_iso_code": "MX",
      "currency_iso_code": "MXN",
      "country_name": "Mexico"
    },
    {
      "country_iso_code": "IN",
      "currency_iso_code": "INR",
      "country_name": "India"
    },
    {
      "country_iso_code": "PH",
      "currency_iso_code": "PHP",
      "country_name": "Philippines"
    }
  ]
}

列出已存收款人

POST /v1/contacts/receivers/list osint

返回发款人已存收款人簿（My Receivers），含打款钱包/银行信息，供再汇一笔使用。

认证方式：会话引导 / 登录调用下发的 security.session.id。

receivers.receiver
name.first_name
name.last_name
address.city
address.country_iso_code
mobile_phone.phone_number.national_number
wallet.bankAccounts.bankAccount
bank_name
wallet_account_number

POST /v1/contacts/receivers/list HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "channel": {
    "type": "SMARTPHONE"
  },
  "gateway_customer": {
    "preferred_customer": {
      "account_nbr": "123456789"
    }
  }
}

{
  "receivers": {
    "receiver": [
      {
        "name": {
          "first_name": "Carlos",
          "last_name": "Santos"
        },
        "address": {
          "city": "Guadalajara",
          "country_iso_code": "MX"
        },
        "mobile_phone": {
          "phone_number": {
            "country_code": "52",
            "national_number": "3312345678"
          }
        },
        "wallet": {
          "bankAccounts": {
            "bankAccount": [
              {
                "bank_name": "BBVA",
                "wallet_account_number": "012345678901234567"
              }
            ]
          }
        }
      }
    ]
  }
}

读取客户资料

POST /v1/customers/profile/read osint

重新加载已登录发款人资料、KYC 标志、已存卡与账户偏好，供 Account Overview 使用。

认证方式： security.session.id 加 gateway_customer.preferred_customer.account_nbr。

gatewayCustomer.preferredCustomer.accountNbr
gatewayCustomer.name.firstName
gatewayCustomer.email
gatewayCustomer.dateOfBirth
gatewayCustomer.identityVerificationStatus
gatewayCustomer.verificationSource
gatewayCustomer.accountPreferences
gatewayCustomer.wallet.creditDebitCards.creditDebitCard
card_digest
card_status
gatewayCustomer.registrationDate

POST /v1/customers/profile/read HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "gateway_customer": {
    "preferred_customer": {
      "account_nbr": "123456789"
    }
  }
}

{
  "gatewayCustomer": {
    "preferredCustomer": {
      "accountNbr": "123456789"
    },
    "name": {
      "firstName": "Maria",
      "lastName": "Santos"
    },
    "email": "[email protected]",
    "dateOfBirth": "1991-04-18",
    "identityVerificationStatus": "Y",
    "verificationSource": "F2F_VERIFIED",
    "accountPreferences": {
      "email": true,
      "telephone_call": false
    },
    "wallet": {
      "bankAccounts": {
        "bankAccount": []
      },
      "creditDebitCards": {
        "creditDebitCard": [
          {
            "card_digest": "vis_4411",
            "card_status": "ACTIVE"
          }
        ]
      }
    },
    "registrationDate": "2019-06-02"
  }
}

分页交易历史

POST /v1/transfers/history/search openbanking

客户仪表盘上的数字汇款历史：MTCN、金额、费用与收款人，供交易历史界面使用。

认证方式： security.session.id；请求体沿用资料查询并可附 transactions 过滤。

transactions
money_transfer_control.mtcn
money_transfer_control.date
transaction_id
transactionStatus
principal_amount
expected_payout_amount
fees
receiver.name.first_name

POST /v1/transfers/history/search HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "gateway_customer": {
    "preferred_customer": {
      "account_nbr": "123456789"
    }
  },
  "transactions": {
    "origination": {
      "country_iso_code": "US",
      "currency_iso_code": "USD"
    },
    "destination": {
      "country_iso_code": "MX",
      "currency_iso_code": "MXN"
    }
  }
}

{
  "transactions": [
    {
      "money_transfer_control": {
        "mtcn": "1234567890",
        "date": "2026-10-18"
      },
      "transaction_id": "txn_8f21",
      "transactionStatus": "AVAILABLE",
      "payment_details": {
        "origination": {
          "principal_amount": 10000,
          "currency_iso_code": "USD"
        },
        "destination": {
          "expected_payout_amount": 185000,
          "currency_iso_code": "MXN"
        },
        "fees": 499
      },
      "receiver": {
        "name": {
          "first_name": "Carlos",
          "last_name": "Santos"
        }
      }
    }
  ]
}

按 MTCN 跟踪汇款

POST /v1/transfers/status/lookup openbanking

Track Transfer：凭 MTCN（及可选日期、金额或收款人姓名）查询打款状态，区分发款/收款侧。

认证方式： security.session.id；访客跟踪可带 login:false。跟踪侧参数区分发款人/收款人查询。

inquiry_type
money_transfer_control.mtcn
transactionStatus
principal_amount
expected_payout_amount
fees
exchange_rate
query_params.param.type
receiver.name.first_name

POST /v1/transfers/status/lookup HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "inquiry_type": "MONEY_TRANSFER",
  "login": "false",
  "money_transfer_control": {
    "mtcn": "1234567890",
    "date": "2026-10-18"
  },
  "payment_details": {
    "origination": {
      "country_iso_code": "US",
      "currency_iso_code": "USD",
      "principal_amount": 10000
    },
    "destination": {
      "country_iso_code": "MX",
      "currency_iso_code": "MXN"
    }
  },
  "receiver": {
    "address": {
      "country_iso_code": "MX"
    },
    "name": {
      "first_name": "Carlos",
      "last_name": "Santos"
    }
  },
  "query_params": {
    "param": [
      {
        "type": "TRACKING_SIDE",
        "value": "SENDER"
      }
    ]
  }
}

{
  "transactionStatus": "AVAILABLE",
  "money_transfer_control": {
    "mtcn": "1234567890",
    "date": "2026-10-18"
  },
  "payment_details": {
    "origination": {
      "principal_amount": 10000,
      "currency_iso_code": "USD"
    },
    "destination": {
      "expected_payout_amount": 185000,
      "currency_iso_code": "MXN"
    },
    "fees": 499,
    "exchange_rate": 18.52
  },
  "receiver": {
    "name": {
      "first_name": "Carlos",
      "last_name": "Santos"
    }
  }
}

提交汇款

POST /v1/transfers/commit openfinance

在发款前校验步骤之后提交已付款汇款，返回收据上的 MTCN。

认证方式：已登录或暂存会话的 security.session.id。零售 stage-and-pay 走同渠道的同级暂存调用。

payment_details.origination.principal_amount
payment_details.destination.expected_payout_amount
payment_details.fees
sender.compliance_details.verification_consent_flag
receiver.mobile_phone.phone_number.national_number
money_transfer_control.mtcn
transaction_id
transactionStatus
exchange_rate

POST /v1/transfers/commit HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "channel": {
    "type": "SMARTPHONE",
    "source": "DIGITAL"
  },
  "payment_details": {
    "origination": {
      "country_iso_code": "US",
      "currency_iso_code": "USD",
      "principal_amount": 10000
    },
    "destination": {
      "country_iso_code": "MX",
      "currency_iso_code": "MXN",
      "expected_payout_amount": 185000
    },
    "fees": 499
  },
  "sender": {
    "name": {
      "first_name": "Maria",
      "last_name": "Santos"
    },
    "compliance_details": {
      "verification_consent_flag": "Y"
    }
  },
  "receiver": {
    "name": {
      "first_name": "Carlos",
      "last_name": "Santos"
    },
    "mobile_phone": {
      "phone_number": {
        "country_code": "52",
        "national_number": "3312345678"
      }
    }
  }
}

{
  "money_transfer_control": {
    "mtcn": "1234567890"
  },
  "transaction_id": "txn_8f21",
  "transactionStatus": "IN_PROCESS",
  "payment_details": {
    "origination": {
      "principal_amount": 10000
    },
    "destination": {
      "expected_payout_amount": 185000
    },
    "fees": 499,
    "exchange_rate": 18.52
  }
}

读取汇款限额

POST /v1/pricing/limits/lookup openfinance

按走廊与付款方式的最低/最高发款额，与 payInTransactionLimit 合并后驱动金额步进器。

认证方式： security.session.id；限额结构由客户端按版本固定。

transactionLimits.transactionLimit
transactionLimits.payInTransactionLimit
min_amount
max_amount
currency_iso_code
channel

POST /v1/pricing/limits/lookup HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "payment_details": {
    "origination": {
      "country_iso_code": "US",
      "currency_iso_code": "USD"
    },
    "destination": {
      "country_iso_code": "MX",
      "currency_iso_code": "MXN"
    }
  }
}

{
  "transactionLimits": {
    "transactionLimit": [
      {
        "min_amount": 100,
        "max_amount": 299900,
        "currency_iso_code": "USD",
        "channel": "CC"
      }
    ],
    "payInTransactionLimit": [
      {
        "min_amount": 100,
        "max_amount": 500000,
        "currency_iso_code": "USD",
        "channel": "ACH"
      }
    ]
  }
}

查找代理点

POST /v1/locations/agents/search opendata

Find Locations 地图搜索：按经纬度查找附近代理点并按距离排序，用于现金发款或取款。

认证方式：会话 security 块（session.id）。Find Locations 地图平移后提交新的中心点。

reference_location.geo_coordinates.latitude
reference_location.geo_coordinates.longitude
search_radius
max_results
sort_by
locations
agent_name
distance
address.addr_line1
address.postal_code

POST /v1/locations/agents/search HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "reference_location": {
    "geo_coordinates": {
      "latitude": "37.33820",
      "longitude": "-121.88630",
      "horiz_accuracy": 0,
      "vert_accuracy": 0
    }
  },
  "search_radius": 10,
  "max_results": 25,
  "sort_by": "DISTANCE"
}

{
  "locations": [
    {
      "agent_name": "Western Union - Grocery Mart",
      "distance": 0.8,
      "reference_location": {
        "geo_coordinates": {
          "latitude": "37.34010",
          "longitude": "-121.89002"
        }
      },
      "address": {
        "addr_line1": "200 E Santa Clara St",
        "city": "San Jose",
        "postal_code": "95113"
      }
    }
  ]
}

读取 My WU 积分

POST /v1/loyalty/rewards/list opendata

My WU 积分钱包：余额、等级与可兑换优惠，展示在积分界面。

认证方式： security.session.id，外加 preferred_customer.account_nbr 与 level_code。

totalPointsEarned
mywu_points
preferredCustomer.accountNbr
preferredCustomer.levelCode
rewards
reward_type
points
promo_campaign

POST /v1/loyalty/rewards/list HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "gateway_customer": {
    "preferred_customer": {
      "account_nbr": "123456789",
      "level_code": "GOLD"
    }
  },
  "params": {
    "param": [
      {
        "name": "REWARD_TYPE",
        "value": "ALL"
      }
    ]
  }
}

{
  "totalPointsEarned": 2450,
  "mywu_points": 2450,
  "preferredCustomer": {
    "accountNbr": "123456789",
    "levelCode": "GOLD",
    "totalPointsEarned": 2450
  },
  "rewards": [
    {
      "reward_type": "FEE_DISCOUNT",
      "points": 500,
      "promo_campaign": "FALL26"
    }
  ]
}

列出账单商户

POST /v1/contacts/billers/list openfinance

已存账单商户，供 Bill Pay / 狱中汇款以及 My Receivers & Billers 使用。

认证方式：已登录渠道的 security.session.id。

billers
biller
account_nbr
country_iso_code
currency_iso_code

POST /v1/contacts/billers/list HTTP/1.1
Content-Type: application/json

{
  "security": {
    "session": {
      "id": "sess_7f3a91c2"
    }
  },
  "channel": {
    "type": "SMARTPHONE"
  },
  "gateway_customer": {
    "preferred_customer": {
      "account_nbr": "123456789"
    }
  }
}

{
  "billers": [
    {
      "biller": "PG&E",
      "account_nbr": "0987654321",
      "country_iso_code": "US",
      "currency_iso_code": "USD"
    }
  ]
}

数据类别

汇款报价
转账
收款人
客户资料
积分
代理点
账单商户
汇款限额

数据使用场景与案例

走廊汇率与费用监控
资金或比价机器人轮询美国到墨西哥/印度/巴西的报价，落库 expected_payout_amount、fees、fx_rate 与 service（现金/银行/钱包），在某打款方式低于上次牌价时告警。
客服台 MTCN 状态
运营队列用 money_transfer_control.mtcn 做交易查询，把 transactionStatus 与收款金额挂到工单，避免客服重敲 Track Transfer。
收款人簿同步
家族办公室 CRM 在登录后拉取 receivers.receiver（姓名、country_iso_code、wallet_account_number），与家庭受益人名单对账后再发起再汇一笔。
My WU 积分对账
积分台账用 preferredCustomer.accountNbr 与 totalPointsEarned 核对内部优惠负债，并读取每条优惠的 reward_type 与 promo_campaign。

常见问题

西联 Send Money Now 的调用如何鉴权？

匿名调用 POST /v1/channel/sessions 签发 security.session.id（及 encryptedSessionId）。后续调用把该 id 放进 JSON 的 security.session，报价请求还会以 Session-Token 请求头发送。POST /v1/channel/sessions/sign-on 再将会话绑定到 gatewayCustomer.preferredCustomer.accountNbr。

汇款提交后用什么标识一笔交易？

POST /v1/transfers/commit 返回 money_transfer_control.mtcn。Track Transfer 把该 MTCN 发到 /v1/transfers/status/lookup（inquiry_type 为 MONEY_TRANSFER，并区分发款/收款跟踪侧）；仪表盘则从 /v1/transfers/history/search 分页同一组标识。

报价里会出现哪些打款方式？

每条 servicesMeta 都带 service 码，标识代理点现金（AG）、银行入账（BA）、手机钱包（WA）或送货上门（HD），并附所选走廊的 expected_payout_amount、fees 与 fx_rate。

这是西联公开的开发者 API 吗？

不是。西联并未把这些调用作为合作方 SDK 公开。本页端点是示意性的接口面，用来展示应用所交换的报价、汇款、收款人、积分与网点数据的形态，便于了解 openData Studio 集成能提供什么。

与 Western Union Send Money Now 相似的应用

Remitly: Send Money & Transfer — Remitly 是总部位于西雅图的在线汇款公司，可从约 30 个国家向 170 多个目的地打款，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 旗下旧金山数字汇款服务，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，可向 140 多个国家打款，并提供带本地银行信息的多币种账户，而不是现金提取代理网点。
MoneyGram — MoneyGram 是达拉斯的点对点汇款公司，通过约 40 万个代理网点向 200 多个国家或地区办理现金提取或银行入账。
Ria Money Transfer — Ria Money Transfer 是 Euronet Worldwide 旗下公司，主营个人对个人国际汇款，通过代理网点、门店和手机应用办理。
WorldRemit — WorldRemit 是伦敦的数字汇款应用，同属 Zepz 集团，覆盖 130 多个国家，收款方式包括银行入账、手机钱包、现金提取和话费充值。
Taptap Send: Money Transfer — Taptap Send 是国际汇款应用，可从美国、英国及其他欧洲国家向非洲、亚洲和拉丁美洲目的地打款，收款支持银行入账、手机钱包或现金提取。
Xe Money Transfer & Currency — Xe 是加拿大外汇网站与应用，同属 Euronet Worldwide，提供实时汇率，并通过 Xe Money Transfer 办理个人与企业跨境付款。

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
3–7 天交付
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获取报价

西联汇款 Send Money Now 数据 API

应用截图

API 端点一览

创建数字会话

客户登录

查询走廊费用报价

列出汇款走廊

列出已存收款人

读取客户资料

分页交易历史

按 MTCN 跟踪汇款

提交汇款

读取汇款限额

查找代理点

读取 My WU 积分

列出账单商户

数据类别

数据使用场景与案例

走廊汇率与费用监控

客服台 MTCN 状态

收款人簿同步

My WU 积分对账

常见问题

与 Western Union Send Money Now 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？

西联汇款 Send Money Now 数据 API

应用截图

API 端点一览

创建数字会话

客户登录

查询走廊费用报价

列出汇款走廊

列出已存收款人

读取客户资料

分页交易历史

按 MTCN 跟踪汇款

提交汇款

读取汇款限额

查找代理点

读取 My WU 积分

列出账单商户

数据类别

数据使用场景与案例

走廊汇率与费用监控

客服台 MTCN 状态

收款人簿同步

My WU 积分对账

常见问题

相关应用

与 Western Union Send Money Now 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？