Payment API documentation

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Help me integrate YabandPay into the current project. Use my business requirements to research the official documentation, choose suitable APIs, and implement the integration within the existing project.

## Official documentation
API documentation homepage: https://docs.yabandpay.com/developer/en

## Development workflow and integration rules
1. Inspect the project language, framework, order structure, payment modules, and callback handling. Reuse existing code where appropriate. If the business goal or payment scenario is unclear, ask the essential questions together before selecting a solution.

2. Before coding, read the version overview, signing rules, selected APIs, asynchronous notifications, order queries, and relevant status definitions. Follow the official documentation. Clearly identify inaccessible pages, conflicting information, or missing rules; never invent endpoints, fields, or business behavior.

3. Preserve field names, types, enum values, conditional requirements, and the actual interface structure. The HTTP method differs from the business method in JSON. Operations may share /Payments and be distinguished by method or data.command; follow the relevant documentation.

4. Implement signing exactly as documented. Read secrets from server-side environment configuration; do not put them in frontend code, source files, examples, prompts, or logs. Do not request card numbers or CVC values as development samples.

5. Implement the selected flow including request signing, API calls, persisted order associations, verified and deduplicated notifications, status updates, and query-based recovery where needed. Follow the documented notification acknowledgement format. HTTP 200, a redirect, or processing does not establish successful payment.

6. After a timeout, network interruption, or unknown result, keep the original business identifier and query the original transaction before deciding what to do next. Do not blindly replace orders or repeat payment creation, refunds, or charges. Do not assume undocumented idempotency guarantees.

7. Complete and verify the local implementation first using checked signing examples, simulated notifications, duplicate delivery, and failure scenarios. Distinguish local mocks, actual test environments, and production; a local echo endpoint is not a payment sandbox.

8. Obtain my explicit authorization before real payment creation, refunds, charges, or other operations that affect external systems. Report code completion, local verification, and real integration testing separately.

## Deliverables
- The selected solution, rationale, and official documentation links used.
- Implemented code, required configuration, and instructions for running and verification.
- Observed verification results, outstanding integration tests, and unresolved questions.

## Official documentation map
This directory lists the currently published pages. Select relevant pages for the business requirements and follow their related links; you do not need to read every page at once.

### V3 API / POS / Cloud Integration
- [Cloud Integration](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/cloud/cloud)
- [Query Devices](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/cloud/getpos)
- [Initiate Payment or Authorization](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/cloud/payment)
- [Transaction Cancellation](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/cloud/cancel)
- [Transaction Reversal](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/cloud/reversal)

### V3 API / Version and Overview
- [Version and Overview](https://docs.yabandpay.com/developer/en/docs/v3-cn/readme)
- [Signing](https://docs.yabandpay.com/developer/en/docs/v3-cn/sign)
- [Currencies](https://docs.yabandpay.com/developer/en/docs/v3-cn/currency)
- [Query Exchange Rate](https://docs.yabandpay.com/developer/en/docs/v3-cn/exchange)

### V3 API / POS / In-App Integration
- [In-App Integration](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/inapp/inapp)
- [Initiate Payment or Authorization](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/inapp/payment)
- [Get trade_id](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/inapp/gettradeid)

### V3 API / Hosted Checkout
- [Hosted Payment Solution (HPP)](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/hpp)

### V3 API / POS / Hosted Solution
- [Hosted Integration](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/pos/hosted/hosted)

### V3 API / Unified Payments
- [Introduction](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/simplepay/readme)
- [Quick Payment](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/simplepay/quick)
- [Get sub pay method](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/simplepay/subpaymethod)
- [QR Code Payment](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/simplepay/qrcode)
- [Unified Payment Order](https://docs.yabandpay.com/developer/en/docs/api/simplepay/create-payment)

### V3 API / Card Payments
- [Hosted Payment Page](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/hpp)
- [Card Payment](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/card)
- [Apple Pay](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/applepay)
- [Google Pay ™](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/googlepay)
- [Increase Authorization](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/preauthincrement)
- [Decrease Authorization](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/preauthdecrement)
- [Authorization Capture](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/capture)
- [Get Token](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/hpptoken)
- [Get Token (Direct Integration)](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/gettoken)
- [Token Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/token)
- [CardCheck](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/cards/cardcheck)

### V3 API / WeChat Pay
- [Mini Program Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/wechatpay/mini)
- [In-App Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/wechatpay/app)
- [H5 Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/wechatpay/h5)
- [Native Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/wechatpay/native)

### V3 API / Alipay+
- [Mini Program Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/alipayplus/mini)
- [In-App Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/alipayplus/app)
- [WAP Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/alipayplus/wap)
- [Web Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/alipayplus/web)

### V3 API / UnionPay
- [UnionPay Online Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/unionpay/wap)
- [UnionPay - QuickPass](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/unionpay/quickpass)

### V3 API / iDEAL
- [iDEAL Payments](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/ideal/ideal)
- [iDEAL QR Code](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/ideal/qrcode)

### V3 API / Bancontact
- [Bancontact](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/bancontact)

### V3 API / Payconiq
- [Payconiq](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/payconiq)

### V3 API / Blik
- [Blik](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/blik)

### V3 API / Blik Slowakije
- [Blik Slowakije](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/blik_slowakije)

### V3 API / MB Way
- [MB Way](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/mbway)

### V3 API / MobilePay
- [MobilePay](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/mobilepay)

### V3 API / Swish
- [Swish](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/swish)

### V3 API / Twint
- [Twint](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/twint)

### V3 API / EPS
- [EPS](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/eps)

### V3 API / Bizum
- [Bizum](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/bizum)

### V3 API / Bank Transfer
- [Bank Transfer](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/banktransfer)

### V3 API / Voucher
- [Voucher](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/voucher)

### V3 API / Refunds
- [Submit Refund](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/refund/refund)
- [Refund Query](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/refund/queryrefund)

### V3 API / Other APIs
- [Cancel Payment](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/others/cancel)
- [Order Query](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/others/query)
- [Batch Order Query](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/others/batch_query)
- [Asynchronous Notifications](https://docs.yabandpay.com/developer/en/docs/v3-cn/payments/others/notify)

### V3 API / Payment Splits
- [Create a payment split](https://docs.yabandpay.com/developer/en/docs/v3-cn/split/splitpayment)
- [Return a payment split](https://docs.yabandpay.com/developer/en/docs/v3-cn/split/returnsplitpayment)
- [Cancel a payment split](https://docs.yabandpay.com/developer/en/docs/v3-cn/split/cancelsplitpayment)
- [Query a payment split](https://docs.yabandpay.com/developer/en/docs/v3-cn/split/querysplitpayment)
- [Asynchronous payment split notifications](https://docs.yabandpay.com/developer/en/docs/v3-cn/split/splitpaymentnotify)

### V3 API / Foreign Exchange
- [Query Exchange Rate](https://docs.yabandpay.com/developer/en/docs/v3-cn/fxtrading/getfxquote)
- [Create an FX order](https://docs.yabandpay.com/developer/en/docs/v3-cn/fxtrading/executefxorder)
- [Query an FX order](https://docs.yabandpay.com/developer/en/docs/v3-cn/fxtrading/queryfxorder)

### V3 API / Finance
- [Clearing reports](https://docs.yabandpay.com/developer/en/docs/v3-cn/finance/reports)
- [Transaction details](https://docs.yabandpay.com/developer/en/docs/v3-cn/finance/transactions)
- [Query balance](https://docs.yabandpay.com/developer/en/docs/v3-cn/finance/getbalance)
- [Withdrawal](https://docs.yabandpay.com/developer/en/docs/v3-cn/finance/withdrawal)
- [Asynchronous Notifications](https://docs.yabandpay.com/developer/en/docs/v3-cn/finance/notify)

### V3 API / Customs Declarations
- [Introduction](https://docs.yabandpay.com/developer/en/docs/v3-cn/customs/readme)
- [Submit a customs declaration](https://docs.yabandpay.com/developer/en/docs/v3-cn/customs/create)
- [Query a customs declaration](https://docs.yabandpay.com/developer/en/docs/v3-cn/customs/query)
- [Resend a customs declaration](https://docs.yabandpay.com/developer/en/docs/v3-cn/customs/redeclare)

Start by reviewing the project and my business requirements, then proceed with development. If I have not provided requirements, ask the essential questions first.
Get started

Versions, authentication, and supported currencies.
4 pages
Payments

Choose a payment method and explore its API.
40 pages
Cards

13 pages
More APIs (9)
Unified checkout

5 pages
Wallets & local payments

22 pages
POS terminals

Cloud, In-App, and hosted terminal integrations.
9 pages
Cloud Integration

5 pages
In-App Integration

3 pages
Hosted Solution

1 page
Hosted Integration
Manage transactions

Order queries, cancellations, refunds, and notifications.
6 pages
Refunds

2 pages
Other APIs

4 pages
Financial services

Split payments, FX, balances, and settlement reports.
13 pages
Payment Splits

5 pages
Foreign Exchange

3 pages
Finance

5 pages
More capabilities

Customs declarations and additional capabilities.
4 pages
Customs Declarations

4 pages
Payment API documentation

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Payments

POS terminals

Manage transactions

Financial services

More capabilities
