付款概览

// 1. 检查预存余额
const balances = await fetch('/api/v2/customers/balances', {
  headers: { 'Authorization': `Bearer ${token}` }
}).then(r => r.json());

// 2. 创建付款
const payout = await fetch('/api/v2/payouts', {
  method: 'POST',
  headers: {
    'Authorization': `Bearer ${token}`,
    'Content-Type': 'application/json',
    'Idempotency-Key': 'payout-2024-001'
  },
  body: JSON.stringify({
    preFundAccountId: 'prefund-account-id',
    amount: 500000, // 500,000 COP
    beneficiary: {
      type: 'BANK',
      account: {
        firstName: 'Maria',
        lastName: 'Garcia',
        email: '[email protected]',
        phone: '3001234567',
        document: { type: 'CC', number: '12345678' },
        accountNumber: '123456789',
        bankCode: '001',
        type: 'savings',
        countryCode: 'CO'
      }
    }
  })
}).then(r => r.json());

console.log('付款已创建:', payout.id, '| 状态:', payout.status);