Create pay-in order (own checkout)

For merchants with their own payment page. The platform returns the receiving accounts assigned to the order, and you show them to the customer. Then:

• the customer says they've paid → call Mark as paid;
• the customer gives up → call Cancel order.

When the money arrives you get the usual callback.

POST/api/open/order/createBuyOrder2

Full URL = your API base URL + this path. The base URL is shown in the merchant console under Developers → API & callbacks.

Request parameters

Same as Create pay-in order (hosted checkout) (redirectUrl and hideUsdt are not used).

Response

Field	Type	Description
order.orderNo	string	Platform order number
order.merchantOrderNo	string	Your order number
order.totalAmount	number	Fiat amount
order.usdt	number	USDT amount (before fees)
order.currency	string	Currency code
order.orderTime	string	Order time
cards[]	array	Receiving accounts for this order; the customer pays to one of them
cards[].cardId	int	Account ID, needed for Mark as paid
cards[].paymentType	int	Payment method code
cards[].realName	string	Account holder name
cards[].bankName	string	Bank name
cards[].bankBranch	string	Bank branch
cards[].cardNo	string	Bank card / account number
cards[].payAccount	string	Payee account: Alipay / WeChat account, or e-wallet account (MoMo, TrueMoney, PIX, …; card number is empty for these)
cards[].payQrCode	string	QR code image or payment link (some methods only, may be empty; when empty, show realName + payAccount so the customer can transfer to the account)

{
  "code": 0,
  "message": "success",
  "data": {
    "order": {
      "orderTime": "2026-10-13 12:00:00",
      "orderNo": "PI1845290017342758912",
      "totalAmount": 100,
      "usdt": 13.7,
      "merchantOrderNo": "A20261013001",
      "currency": "CNY"
    },
    "cards": [
      { "cardId": 1024, "paymentType": 1, "payQrCode": "", "payAccount": "", "realName": "Li Si", "bankName": "ICBC", "bankBranch": "Beijing Haidian", "cardNo": "6222000000000000" }
    ]
  }
}

WARNING

Show the receiving accounts only to this order's customer. Remind them to pay from their own account in the customerName given at order creation, and to pay exactly the order amount.

Common errors

Same as for the hosted checkout; in addition, a payment provider failure returns 400.