REST API

{
  "payment": {
    "id":          "5a331a39-32bf-4940-afb1-855e2fc6757f",
    "public_id":   "P-11000010",
    "merchant_id": "22222222-2222-2222-2222-222222222222",
    "shop_id": "33333333-3333-3333-3333-333333333333",
    "order_id":    "ORDER-1042",
    "amount":      150000,
    "currency":    "RUB",
    "method":      "sbp",
    "status":      "pending",
    "expires_at":  "2026-05-05T13:42:00Z",
    "created_at":  "2026-05-05T12:42:00Z"
  },
  "payment_url": "https://zergpay.com/pay/5a331a39-...",
  "mode":        "live",
  "bank":        "Сбер",            // имя банка-эквайера, если он ответил sync
  "bank_ref":    "262512345678"     // ID операции в банке (только для h2h)
}

Поля idempotent: true, failure_code и failure_message возвращаются при повторе запроса по Idempotency-Key или при синхронном отказе банка. В тестовом режиме добавляются служебные поля симулятора - описаны на странице Тестовая среда.

curl -X GET https://zergpay.com/v1/public/payments/5a331a39-32bf-4940-afb1-855e2fc6757f \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "id":              "5a331a39-32bf-4940-afb1-855e2fc6757f",
  "public_id":       "P-11000010",
  "merchant_id":     "22222222-2222-2222-2222-222222222222",
  "shop_id":     "33333333-3333-3333-3333-333333333333",
  "shop_name":   "Web checkout",
  "order_id":        "ORDER-1042",
  "status":          "succeeded",
  "amount":          150000,
  "amount_refunded": 0,
  "currency":        "RUB",
  "method":          "sbp",
  "rrn":             "262512345678",
  "bank_name":       "Сбер",
  "return_url":      "https://example.com/order/1042/done",
  "created_at":      "2026-05-05T12:42:00Z",
  "captured_at":     "2026-05-05T12:43:11Z",
  "finalized_at":    "2026-05-05T12:43:11Z",
  "expires_at":      "2026-05-05T13:42:00Z",
  "processing_until":"2026-05-05T13:02:00Z",
  "metadata":        { "customer_id": "user-7821" },

  "customer_card_brand":  "visa",
  "customer_card_mask":   "411111******1111",
  "customer_card_holder": "IVAN IVANOV",
  "customer_phone_mask":  "+7•••••••12-34",
  "customer_payer_bank":  "Сбер",

  "refunds": [
    {
      "id":           "9b2c1f8a-1111-2222-3333-444444444444",
      "payment_id":   "5a331a39-32bf-4940-afb1-855e2fc6757f",
      "amount":       50000,
      "reason":       "частичный по запросу",
      "status":       "succeeded",
      "created_at":   "2026-05-05T15:10:00Z",
      "completed_at": "2026-05-05T15:10:08Z"
    }
  ]
}

curl -X POST https://zergpay.com/v1/public/payments/5a331a39-32bf-4940-afb1-855e2fc6757f/cancel \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "status": "cancelled"
}

curl -X POST https://zergpay.com/v1/public/subscriptions \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json' \
  -d '{
  "amount": 199000,
  "customer_ref": "user_42",
  "method": "cards",
  "period": "month",
  "interval_count": 1
}'

{
  "subscription": {
    "id":             "7f0e...",
    "status":         "pending",
    "amount":         199000,
    "currency":       "RUB",
    "method":         "cards",
    "period":         "month",
    "interval_count": 1,
    "next_charge_at": "2026-07-13T10:00:00Z"
  },
  "initial_payment": { "id": "4f0e...", "status": "pending" },
  "pay_url": "https://zergpay.com/pay/4f0e..."
}

curl -X GET https://zergpay.com/v1/public/subscriptions \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

curl -X GET https://zergpay.com/v1/public/subscriptions/7f0e... \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

curl -X GET https://zergpay.com/v1/public/subscriptions/7f0e.../schedule \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "subscription_id": "7f0e...",
  "status":          "active",
  "amount":          199000,
  "currency":        "RUB",
  "period":          "month",
  "interval_count":  1,
  "next_charge_at":  "2026-07-13T10:00:00Z",
  "charges": [
    { "payment_id": "4f0e...", "kind": "subscription_init",   "amount": 199000, "status": "succeeded", "created_at": "2026-06-13T10:00:00Z" },
    { "payment_id": "5a1c...", "kind": "subscription_charge", "amount": 199000, "status": "succeeded", "created_at": "2026-07-13T10:00:01Z" }
  ],
  "upcoming": ["2026-08-13T10:00:00Z", "2026-09-13T10:00:00Z"]
}

curl -X POST https://zergpay.com/v1/public/subscriptions/7f0e.../cancel \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json' \
  -d '{ "reason": "по запросу клиента" }'

{ "status": "cancelled" }

curl -X POST https://zergpay.com/v1/public/tokens \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json' \
  -d '{
  "customer_ref": "user_42",
  "customer_email": "user@example.ru",
  "return_url": "https://example.com/account/subscription"
}'

{
  "card": {
    "id":           "9a1c...",
    "customer_ref": "user_42",
    "status":       "pending"
  },
  "pay_url": "https://zergpay.com/pay/4f0e..."
}

curl -X POST https://zergpay.com/v1/public/tokens/9a1c.../charge \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json' \
  -d '{
  "amount": 199000,
  "order_id": "order-7781",
  "description": "Pro plan"
}'

{ "id": "p_55a2...", "status": "succeeded", "amount": 199000 }

curl -X GET https://zergpay.com/v1/public/tokens?customer_ref=user_42 \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

curl -X POST https://zergpay.com/v1/public/tokens/9a1c.../cancel \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{ "status": "cancelled" }

curl -X POST https://zergpay.com/v1/public/payments/5a331a39-32bf-4940-afb1-855e2fc6757f/refund \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json' \
  -d '{
  "amount": 50000,
  "reason": "частичный возврат по запросу клиента"
}'

{
  "id":           "9b2c1f8a-1111-2222-3333-444444444444",
  "payment_id":   "5a331a39-32bf-4940-afb1-855e2fc6757f",
  "merchant_id":  "22222222-2222-2222-2222-222222222222",
  "amount":       50000,
  "reason":       "частичный возврат по запросу клиента",
  "status":       "succeeded",
  "created_at":   "2026-05-05T15:10:00Z"
}

{
  "payout": {
    "id":          "f47ac10b-58cc-4372-a567-0e02b2c3d479",
    "merchant_id": "22222222-2222-2222-2222-222222222222",
    "shop_id":     "33333333-3333-3333-3333-333333333333",
    "amount":      250000,
    "currency":    "RUB",
    "method":      "payouts_sbp",
    "status":      "pending",
    "recipient": {
      "phone":     "+79001234567",
      "bank_id":   "100000000111",
      "full_name": "Иванов Иван Иванович"
    },
    "created_at":  "2026-05-05T16:01:00Z"
  },
  "mode":     "live",
  "bank":     "Сбер",
  "bank_ref": "PAY2026050601234"
}

Поля failure_reason и idempotent возвращаются при отказе или повторе запроса по Idempotency-Key. В тестовом режиме добавляются служебные поля симулятора - описаны на странице Тестовая среда.

curl -X POST https://zergpay.com/v1/public/payouts \
  -H 'Authorization: Bearer sk_live_...' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: 7f2a-payout-card' \
  -d '{ "amount": 250000, "method": "payouts_card", "card_pan": "2200110033445566" }'

{
  "payout": {
    "id":                  "...",
    "amount":              250000,
    "method":              "payouts_card",
    "status":              "pending",
    "recipient_card_mask": "5566",
    "recipient": { }
  },
  "mode":     "live",
  "bank_ref": "PAY2026050609876"
}

В ответе recipient_card_mask - последние 4 цифры карты (для квитанции). Полный номер карты не хранится и не возвращается.

curl -X POST https://zergpay.com/v1/public/payouts \
  -H 'Authorization: Bearer sk_live_...' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: 7f2a-payout-acc' \
  -d '{
    "amount":         250000,
    "method":         "payouts_account",
    "account_number": "40817810099910004312",
    "bik":            "044525225",
    "inn":            "771234567890",
    "full_name":      "ООО Ромашка"
  }'

{
  "method": "payouts_sbp",
  "items": [
    { "amount": 150000, "phone": "+79001234567", "bank_id": "100000000111", "full_name": "Иванов И.И." },
    { "amount": 250000, "phone": "+79007654321", "bank_id": "100000000004", "full_name": "Петров П.П." }
  ]
}

curl -X POST https://zergpay.com/v1/public/payouts/batch \
  -H 'Authorization: Bearer sk_live_x9k...' \
  -H 'Content-Type: application/json' \
  -H 'Idempotency-Key: reg-2026-05-05-001' \
  -d '{"method":"payouts_sbp","items":[{"amount":150000,"phone":"+79001234567","bank_id":"100000000111","full_name":"Иванов И.И."}]}'

{
  "mode":    "live",
  "created": 1,
  "failed":  1,
  "total":   2,
  "results": [
    { "index": 0, "status": "created", "payout_id": "7c1f...", "method": "payouts_sbp", "amount": 150000 },
    { "index": 1, "status": "failed",  "method": "payouts_sbp", "amount": 250000, "code": "recipient_not_in_sbp", "error": "получатель не найден в СБП" }
  ]
}

Каждая строка результата: status = created | failed | duplicate, с payout_id или code/error. Финальные статусы приходят webhook-ами payout.* по каждой созданной выплате.

curl -X GET https://zergpay.com/v1/public/payouts/f47ac10b-58cc-4372-a567-0e02b2c3d479 \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "id":            "f47ac10b-58cc-4372-a567-0e02b2c3d479",
  "merchant_id":   "22222222-2222-2222-2222-222222222222",
  "shop_id":       "33333333-3333-3333-3333-333333333333",
  "amount":        250000,
  "currency":      "RUB",
  "method":        "payouts_sbp",
  "status":        "succeeded",
  "fail_reason":   "",
  "recipient": {
    "phone":     "+79001234567",
    "bank_id":   "100000000111",
    "full_name": "Иванов Иван Иванович"
  },
  "bank_ref":      "PAY2026050601234",
  "created_at":    "2026-05-05T16:01:00Z",
  "completed_at":  "2026-05-05T16:01:09Z"
}

bank_ref - референс выплаты у провайдера. Для выплаты на карту в ответе также recipient_card_mask (последние 4 цифры карты) - для квитанции.

curl -X GET https://zergpay.com/v1/public/balance \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "balance":   172150,
  "available": 172150,
  "currency":  "RUB",
  "shops": [
    { "shop_id": "1d8243bb-...", "shop_name": "shop-one",  "balance": 122150 },
    { "shop_id": "6a9b6b58-...", "shop_name": "shop-two",  "balance":  50000 }
  ]
}

curl -X GET https://zergpay.com/v1/public/payments?status=succeeded&limit=20 \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "items": [
    {
      "id":         "5a331a39-32bf-4940-afb1-855e2fc6757f",
      "order_id":   "order-1024",
      "amount":     150000,
      "currency":   "RUB",
      "method":     "sbp",
      "status":     "succeeded",
      "created_at": "2026-05-05T15:00:00Z"
    }
  ],
  "next_cursor": "MTcxNTAw..."
}

curl -X GET https://zergpay.com/v1/public/payouts?status=succeeded&limit=20 \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "items": [
    {
      "id":         "7c1f...",
      "shop_id":    "1d8243bb-...",
      "amount":     50000,
      "currency":   "RUB",
      "method":     "payouts_sbp",
      "status":     "succeeded",
      "bank_ref":   "10293847",
      "created_at": "2026-05-05T16:00:00Z"
    }
  ],
  "next_cursor": null
}

curl -X GET https://zergpay.com/v1/public/refunds?limit=20 \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "items": [
    {
      "id":         "9b2c1f8a-...",
      "payment_id": "5a331a39-...",
      "amount":     50000,
      "reason":     "возврат по запросу клиента",
      "status":     "succeeded",
      "created_at": "2026-05-05T15:10:00Z"
    }
  ],
  "next_cursor": null
}

curl -X GET https://zergpay.com/v1/public/banks/sbp \
  -H 'Authorization: Bearer sk_test_x9k...' \
  -H 'Content-Type: application/json'

{
  "items": [
    { "member_id": "100000000004", "name": "Тинькофф Банк", "name_en": "T-Bank" },
    { "member_id": "100000000005", "name": "ВТБ",            "name_en": "VTB" },
    { "member_id": "100000000007", "name": "Альфа-Банк",     "name_en": "Alfa-Bank" },
    { "member_id": "100000000111", "name": "Сбербанк",       "name_en": "Sberbank" },
    // ... и так весь реестр НСПК (~200 участников), отсортирован по name
  ]
}