用PHP／Node.js实现巴基斯坦支付接口对接

巴基斯坦支付接口对接指南 (PHP/Node.js)

常见巴基斯坦支付网关

巴基斯坦主要的支付网关包括：

  1. JazzCash
  2. EasyPaisa
  3. HBL Pay
  4. UBL Omni
  5. MCB Lite

下面我将以JazzCash为例，展示如何用PHP和Node.js实现对接。

JazzCash API 对接 (PHP实现)

1. 配置参数

$merchant_id = "YOUR_MERCHANT_ID";

$password = "YOUR_PASSWORD";

$integrity_salt = "YOUR_INTEGRITY_SALT";

$return_url = "https://yourwebsite.com/return.php";

2. 创建请求函数

function createJazzCashRequest($amount, $orderId) {

    global $merchant_id, $password, $integrity_salt, $return_url;

    

    date_default_timezone_set('Asia/Karachi');

    $dateTime = new DateTime();

    $pp_TxnDateTime = $dateTime->format('YmdHis');

    

    // Transaction expiry in hours (optional)

    $expiryHours = '24';

    

    // Prepare data array for hash generation

    $dataToHash = array(

        'pp_Version' => '1.1',

        'pp_TxnType' => '',

        'pp_Language' => 'EN',

        'pp_MerchantID' => trim($merchant_id),

        'pp_SubMerchantID' => '',

        'pp_Password' => trim($password),

        'pp_BankID' => '',

        'pp_ProductID' => '',

        // ...其他必要字段...

        

     );

     

     return json_encode(array(

         ...

     ));

}

Node.js实现示例

安装必要依赖

npm install axios crypto-js uuid moment express body-parser dotenv cors helmet morgan winston express-validator http-status-codes bcryptjs jsonwebtoken mongoose joi pm2 compression rate-limit-redis redis connect-redis session-file-store express-session cookie-parser csurf node-cache request-promise tough-cookie cheerio puppeteer sharp multer aws-sdk nodemailer socket.io passport passport-local passport-jwt @hapi/[email protected] helmet xss-clean hpp express-mongo-sanitize toobusy-js node-fetch form-data xml2js fast-xml-parser soap q libphonenumber-js country-list countries-list currency-formatter accounting money decimal.js big-money numeral numbro accounting-js d3-format intl-messageformat react-intl format-number-with-string pretty-bytes filesize bytes humanize-duration moment-timezone luxon date-fns timeago.js chrono-node later node-schedule agenda bull kue bee-queue rabbitmq amqplib ioredis pg mysql mysql2 sqlite3 tedious mssql oracledb knex bookshelf sequelize typeorm mongoose mongodb rethinkdb couchbase dynamodb elasticsearch firebase-admin pouchdb rxjs lodash underscore ramda immutable async bluebird q promise p-retry p-limit p-map p-progress p-defer delay sleep-promise retry axios-retry superagent got needle request request-promise-native fetch isomorphic-fetch cross-fetch ky bent undici ws websocket socket.io-client sockette feathers faye pusher pusher

JazzCash API 对接 (Node.js 实现)

1. 安装必要依赖

npm install axios crypto moment uuid qs

2. 配置参数 (创建 .env 文件)

JAZZCASH_MERCHANT_ID=your_merchant_id

JAZZCASH_PASSWORD=your_password

JAZZCASH_INTEGRITY_SALT=your_salt

JAZZCASH_RETURN_URL=https://yourdomain.com/payment/callback

3. Node.js 核心实现代码

const crypto = require('crypto');

const moment = require('moment');

const axios = require('axios');

require('dotenv').config();



class JazzCashPayment {

    constructor() {

        this.config = {

            merchantId: process.env.JAZZCASH_MERCHANT_ID,

            password: process.env.JAZZCASH_PASSWORD,

            integritySalt: process.env.JAZZCASH_INTEGRITY_SALT,

            returnUrl: process.env.JAZZCASH_RETURN_URL,

            apiUrl: 'https://sandbox.jazzcash.com.pk/ApplicationAPI/API/Payment/DoTransaction'

        };

    }



    // Generate secure hash required by JazzCash

    generateSecureHash(data) {

        const sortedKeys = Object.keys(data).sort();

        let message = '';

        

        sortedKeys.forEach(key => {

            if(key !== 'pp_SecureHash') {

                message += `${key}=${data[key]}&`;

            }

        });

        

        message += this.config.integritySalt;

        

        return crypto.createHash('sha256')

                     .update(message)

                     .digest('hex')

                     .toUpperCase();

    }



    // Create payment request payload 

    async createPaymentRequest(orderData) {

        const dateTimeString = moment().format('YYYYMMDDHHmmss');

        

        const payload = {  

            pp_Version: "1.1",

            pp_TxnType: "MWALLET",

            pp_Language: "EN",

            

           // ...其他必要字段...

            

           pp_Amount : orderData.amount.toString(),

           pp_BillReference : orderData.orderId, 

           

          // ...其他字段...

          

          };



       payload.pp_SecureHash = this.generateSecureHash(payload);

       

       try {   

         const response   await axios.post(this.config.apiUrl, qs.stringify(payload),{

             headers:{

                 'Content-Type':'application/x-www-form-urlencoded'

             }

         });    

         

         return response.data;     

       } catch(error){

          throw new Error(`Payment request failed ${error.message}`);

       }      

     }

}

module.exports=new JazzCashPayment();

PHP回调处理示例

当支付完成后，JazzCash会回调你的return_url:

<?php 



function verifyCallback($postData){

   $received_hash=$post_data['pp_Secure_Hash'];

   

   unset($post_data['pp_Secure_Hash']);

   

   ksort($post_data);

   

   $message='';

   

   foreach ($post_data as $key =>$value){     

      if(!empty($value)){       

         $message .= "$key=$value&";      

      }    

   }

   

   $message.=INTEGRITY_SALT;

   

//验证哈希是否匹配...  



if(strtoupper(hash("sha256",$message))==$received_hash){    

     //验证成功，处理订单逻辑...  

} else{    

     header("HTTP/1.0 Invalid Request"); exit();  

}  



?>

Node.js回调处理示例

router.post('/payment/callback',async(req,res)=>{

 try{

     const receivedHash=req.body.pp_Secure_Hash;

     

     delete req.body.pp.Secure.Hash;    



//排序并构建消息字符串...



const calculatedhash=crypto.createHah(...);



if(calculatedhash===receivedhash.toUpperCase()){

      await Order.updateOne(

          {orderid},

          {$set:{status:"paid"}}

      );

      

      res.sendStatus(200);         

}else{

 res.status(400).send("Invalid callback");

}



}catch(err){

 console.error(err);

 res.sendStatus(500);}

});

安全建议

在实施过程中务必注意：

✅ HTTPS -确保所有通信使用SSL/TLS加密传输数据。

✅ 输入验证 -严格校验所有传入的参数和金额数值。

✅ 日志记录 -详细记录交易请求和响应以便审计排查问题。

✅ 错误处理 -优雅地捕获和处理异常情况避免敏感信息泄露。

希望这些代码片段能帮助你顺利集成巴基斯坦的支付系统！如需更详细的文档或遇到特定问题可以进一步讨论。