芝麻免押

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芝麻免押

## 一、功能介绍

1. 申请信用服务前，请先完成 【[预授权支付](https://b.alipay.com/page/product-workspace/product-detail/I1080300001000065324 "预授权支付")】 和 【[芝麻免押](https://b.alipay.com/page/product-workspace/product-detail/I1080300001000056967 "芝麻免押")】 产品的开通。
2. 开通后获取关键字段填至后台，用于调用支付宝芝麻免押产品使用。
3. 如果希望用户能够使用花呗，则必须填写支付宝用户号，获取收款账户的支付宝用户号(账号ID)

## 二、操作流程

#### 1、开通【预授权支付】 和 【芝麻免押】，查看 🔗 [接入准备](https://opendocs.alipay.com/open/03w0a7?ref=api)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=626c39a28e76ec25135da4bb5eda9628)

#### 2、在开通【芝麻免押】时，需配置守护链接，查看 🔗 [配置规范](https://opendocs.alipay.com/b/03ag31?pathHash=53111fa5)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=80fd5b69e4d5ffa2166f565444e7473d)

#### 3、配置【芝麻免押】

#### 配置风控类目、风控准入规则、芝麻分免押额度，查看 🔗 [配置链接](https://b.alipay.com/page/zmgaia/pre-auth/risk-rules?creditScene=rent_online&creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&mode=edit&solutionId=solution_003&solutionName=%E7%BA%BF%E4%B8%8A%E5%AE%9E%E7%89%A9%E5%85%8D%E6%8A%BC%E7%A7%9F%E8%B5%81&version=2)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=010a7eecd448e39950da778fd75bec72)

## 三、配置芝麻免押

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=1bcc7f209fe7cd5a440ee591dd03de63)

#### 1、获取【信用服务ID】，查看 🔗 [快捷链接](https://b.alipay.com/page/zmgaia/pre-auth/creditservice?creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&version=2)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=8caf75107ecf50e3257a522bcf696c5b)

#### 2、获取【评估方案ID】，查看 🔗 [快捷链接](https://b.alipay.com/page/zmgaia/pre-auth/risk-rules?creditScene=rent_online&creditServiceId=2025040200000000000111221900&currentStepKey=basicInfoAndRiskConfigNode&mode=edit&solutionId=solution_003&solutionName=%E7%BA%BF%E4%B8%8A%E5%AE%9E%E7%89%A9%E5%85%8D%E6%8A%BC%E7%A7%9F%E8%B5%81&version=2)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=6d177aee6e77da81df2cf1ec6944f462)

#### 3、获取【支付宝用户号】，查看 🔗 [快捷链接](https://open.alipay.com/develop/manage/account/manage)

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=e9a8a4d3e1cc3769018a453abe8757b1)

## 四、芝麻免押【技术验收】和【线上流程验收】

- 这些验收工作是最后上线前需要做的准备工作

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=3d632d7ad38b76dc9defba788bb8713f)

#### 1、技术验收

（1）获取【[信用服务ID](https://b.alipay.com/page/zmgaia/pre-auth/index)】

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=022a850ea1f2b448c4a876bdc3df7b51)

（2）获取【[商户PID](https://open.alipay.com/develop/manage/account/manage)】（商家账号登录）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=a1b446c8021d0530669640c7939ffbbb)

（3）获取【[用户ID](https://open.alipay.com/develop/manage/account/manage)】（用户账号登录）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=899e6da1d46a65a5d45ba902c9e7c365)

（4）获取【[关闭交易用例-交易单号](https://b.alipay.com/page/mbillexprod/trade/order/sold)】（选择未支付已关闭的订单）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=e02bcc30ace197027fc2380f8491145c)

5.获取【[关闭交易用例-授权单号](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通过商户订单编号+商家PID获取）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=202a1b6eb8fae6558210871429dfb4a2)

6.获取【[部分扣款用例-授权单号](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通过商户订单编号+商家PID获取）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=444f6bbc2d45f2aa1b314089ae45c408)

7.获取【[部分扣款用例-交易单号](https://b.alipay.com/page/mbillexprod/trade/order/sold)】（选择已支付的订单）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=42a173209254ad47828111a642964d60)

8.获取【[额度解冻用例-授权单号](https://opensupport.alipay.com/support/diagnostic-tools/7b885293-8b79-4038-b295-25863bfb1e3e)】（通过商户订单编号+商家PID获取）

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=5874fbf1ca639b5864e4821c7f27a761)

创建【关闭交易用例】方式：
第一步：使用未开通花呗并且账户余额不足以支付代扣金额的支付宝用户下单（或已开通花呗，但是不足以支付代扣金额的支付宝用户）
第二布：订单确认收货后生成账单，在账单详情发起代扣

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=a45c8f1b41604d72327529c7bd4d59dd)

第三步：因为余额不足生成的待支付账单，选择取消代扣，成功后即可获取交易关闭用例

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=b86967b4bff6bb5bc712ca8d31f0aa38)

验收通过示例：
![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=dad5be1f52bdd786636324d39e21999e)

#### 2、线上验收

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=5cae009720d972b0323dd7889317f3c2)

注意⚠️：上传的视频编码最好是H.264的，否则支付宝审核那边打不开，直接不通过了。

![](https://md.likeshop.cn/server/index.php?s=/api/attachment/visitFile&sign=c2f8372aa7cc9eaeb8823766207837cd)

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