myFawry 钱包、账单与分期数据 API

Fawry for Banking & Payment Technology Services · 支付

myFawry 是 Fawry for Banking & Payment Technology Services 面向消费者的超级应用，背后是埃及全国账单代收与商户收银网络。用户在 Android 客户端缴纳电费、水费、燃气、话费与政务缴费，持有 Fawry 钱包与 Meeza 预付卡，把店内消费拆成 valU、Forsa、Souhoola 分期，申请现金贷，把结余放进 Azimut 货币基金，核销礼品与积分券，并在 Fawry 商户用 NFC 拍卡。产品面向已经在用 Fawry 网点与 atFawry 收银的阿拉伯语、英语埃及用户，与 Meeza、InstaPay 及银行钱包争夺同一套缴费与结账场景。

Fawry 代收回执以 referenceNumber 和 orderStatus 关联 paymentAmount、paymentTime 与 fawryFees，为账单对账提供统一收款参考号与费用明细。商户订单匹配在扣款回执中使用 merchantRefNum，在钱包支付状态记录中使用 merchantRefNumber。账户视图补充 walletAccounts.balance、walletAccounts.currencyCode 与 walletAccounts.lastFourDigits；绑卡记录提供 cards.brand 与 cards.lastFourDigits，可用于汇总钱包余额和 Meeza 等已保存卡片的脱敏信息。

分期记录通过 customerStatus 区分 valU 客户资格，并以 minimumDownPayment、noOfMonths、rate 和 upFrontFees 比较首付、期数、费率与前置费用。Forsa 记录使用 loanId 标识贷款；商户配置的方案还提供 installmentPlan.minAmount 与 installmentPlan.maxAmount，界定各方案适用的消费金额。

积分台账提供 pointsList.points、pointsList.expiryDate 与 pointsList.transactionStatus，礼券记录补充 vouchersList.status，供权益平台构建到期提醒并与商户 CRM 同步。财务团队可将代收款匹配至自有台账，账户聚合服务可合并钱包与脱敏卡片视图，结账集成可比较分期条款，无需逐页采集钱包、回执和积分界面。openData Studio 将这些数据结构转化为可调用的开放数据，用于账单对账、账户聚合、分期比较与权益集成。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

客户登录

POST /v1/access/sign-in osint

认证方式：无需鉴权；响应中的 token 用于后续请求的 Authorization Bearer，语言头为 Accept-Language ar-eg 或 en-gb。

id
token
refreshToken
cif
fawryCustomerNumber
customerName
customerStatus
customerTypeCode
customerCategory
email
mobileNumber
birthDate
gender
nationalityCode
invitationCode
creditCardEnabled
totalOrdersAmt
totalOrdersCount
walletAccounts

POST /v1/access/sign-in HTTP/1.1
Content-Type: application/json
Accept-Language: ar-eg

{"email": "[email protected]", "mobileNumber": "01000000000"}

{
  "id": 100001,
  "token": "<access-token>",
  "refreshToken": "<refresh-token>",
  "cif": "CIF-EXAMPLE",
  "fawryCustomerNumber": "CUSTOMER-EXAMPLE",
  "customerName": "Example Customer",
  "customerStatus": "ACTIVE",
  "customerTypeCode": "CONSUMER",
  "customerCategory": "RETAIL",
  "email": "[email protected]",
  "mobileNumber": "01000000000",
  "birthDate": "1990-04-12",
  "gender": "M",
  "nationalityCode": "EG",
  "invitationCode": "INVITE-EXAMPLE",
  "creditCardEnabled": true,
  "totalOrdersAmt": 18250.5,
  "totalOrdersCount": 47,
  "walletAccounts": [
    {
      "accountId": "wa_1001",
      "accountNumber": "****8891",
      "accountAlias": "Fawry Wallet",
      "accountTypeCode": "MWALLET",
      "accountStatusCode": "ACTIVE",
      "balance": 1250.75,
      "currencyCode": "EGP",
      "lastFourDigits": "8891",
      "enabled": true
    }
  ]
}

按令牌读取客户资料

GET /v1/account/snapshot openbanking

无需重复登录即可刷新 FawryPay 客户资料，以及各钱包的余额、币种、卡号末四位和积分兑换门槛。

认证方式：携带登录返回的 Authorization Bearer 令牌，以及 Accept-Language ar-eg 或 en-gb。

id
cif
fawryCustomerNumber
customerName
customerStatus
merchantAccountNumber
notificationsPreferredLang
walletAccounts.accountId
walletAccounts.balance
walletAccounts.currencyCode
walletAccounts.lastFourDigits
walletAccounts.monetaryValue
walletAccounts.minRedemptionPoints

GET /v1/account/snapshot HTTP/1.1
Authorization: Bearer <access-token>
Accept-Language: ar-eg

{
  "id": 100001,
  "cif": "CIF-EXAMPLE",
  "fawryCustomerNumber": "CUSTOMER-EXAMPLE",
  "customerName": "Example Customer",
  "customerStatus": "ACTIVE",
  "merchantAccountNumber": "MERCHANT-EXAMPLE",
  "notificationsPreferredLang": "ar-eg",
  "walletAccounts": [
    {
      "accountId": "wa_1001",
      "accountNumber": "****8891",
      "accountNumberEncrypted": "<encrypted-account>",
      "accountTypeCode": "MWALLET",
      "accountStatusCode": "ACTIVE",
      "balance": 1250.75,
      "monetaryValue": 1250.75,
      "currencyCode": "EGP",
      "lastFourDigits": "8891",
      "issueBankId": "FAWRY",
      "minRedemptionPoints": 50.0,
      "enabled": true
    }
  ]
}

已保存卡片列表

GET /v1/funding/instruments openbanking

列出已保存卡片的令牌、品牌、BIN、卡号末四位及持卡人姓名，供结账选卡使用，涵盖 Meeza 预付卡等卡种。

认证方式：携带登录返回的 Authorization Bearer 令牌。

cards.token
cards.brand
cards.cardHolderName
cards.firstSixDigits
cards.lastFourDigits
cards.accountTypeCode
cards.creationDate

GET /v1/funding/instruments HTTP/1.1
Authorization: Bearer <access-token>
Accept-Language: en-gb

{
  "statusCode": 200,
  "cards": [
    {
      "token": "<card-token>",
      "brand": "MEEZACARD",
      "cardHolderName": "EXAMPLE CUSTOMER",
      "firstSixDigits": "507803",
      "lastFourDigits": "4411",
      "accountTypeCode": "PREPAID",
      "creationDate": 1714521600000
    }
  ]
}

创建支付会话

POST /v1/checkout/sessions openfinance

按商户订单编号和金额创建 FawryPay 结账会话，供后续扣款、钱包支付或分期使用。

认证方式：携带登录返回的 Authorization Bearer 令牌。

merchantCode
merchantRefNum
amount
currencyCode
customerProfileId
paymentMethod

POST /v1/checkout/sessions HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"merchantCode": "MERCHANT-EXAMPLE", "merchantRefNum": "ORDER-EXAMPLE-001", "amount": 350.0, "currencyCode": "EGP", "customerProfileId": "100001", "paymentMethod": "MWALLET"}

{
  "sessionId": "ps_7c21",
  "merchantCode": "MERCHANT-EXAMPLE",
  "merchantRefNum": "ORDER-EXAMPLE-001",
  "amount": 350.0,
  "currencyCode": "EGP",
  "paymentMethod": "MWALLET"
}

执行支付扣款

POST /v1/checkout/settlements openfinance

执行 FawryPay 卡片、钱包或分期扣款，返回回执上的 referenceNumber、orderStatus、paymentAmount 与 fawryFees。

认证方式：携带登录返回的 Authorization Bearer 令牌。

referenceNumber
merchantRefNum
orderStatus
orderAmount
paymentAmount
paymentMethod
paymentTime
fawryFees
taxes
shippingFees
adminFees
customerName
customerMobile
customerMail
customerProfileId
expirationTime
signature

POST /v1/checkout/settlements HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"merchantCode": "MERCHANT-EXAMPLE", "merchantRefNum": "ORDER-EXAMPLE-001", "customerProfileId": "100001", "customerMobile": "01000000000", "customerEmail": "[email protected]", "customerName": "Example Customer", "amount": 350.0, "paymentMethod": "CARD", "enable3DS": true, "language": "ar-eg", "chargeItems": [{"itemId": "BILL-ELEC", "price": 350.0}]}

{
  "referenceNumber": "COLLECTION-EXAMPLE-001",
  "merchantRefNum": "ORDER-EXAMPLE-001",
  "merchantRefNumber": "ORDER-EXAMPLE-001",
  "orderStatus": "PAID",
  "orderAmount": "350.00",
  "paymentAmount": "365.50",
  "paymentMethod": "CARD",
  "paymentTime": 1712920800000,
  "fawryFees": 15.5,
  "taxes": 0.0,
  "shippingFees": 0.0,
  "adminFees": 0.0,
  "customerName": "Example Customer",
  "customerMobile": "01000000000",
  "customerMail": "[email protected]",
  "customerProfileId": "100001",
  "expirationTime": "2026-04-13T12:00:00Z",
  "signature": "<signature>",
  "walletQr": null
}

手机钱包支付状态

POST /v1/checkout/wallet-status openfinance

轮询 Meeza 或 Fawry 钱包扣款直至 orderStatus 确定，返回 authNumber、费用及可选 walletQr。

认证方式：携带登录返回的 Authorization Bearer 令牌。

referenceNumber
merchantRefNumber
orderStatus
orderAmount
paymentAmount
paymentMethod
paymentTime
fawryFees
interestAmount
upFrontFees
authNumber
customerProfileId
walletQr

POST /v1/checkout/wallet-status HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"merchantRefNum": "ORDER-EXAMPLE-001", "referenceNumber": "COLLECTION-EXAMPLE-001"}

{
  "referenceNumber": "COLLECTION-EXAMPLE-001",
  "merchantRefNumber": "ORDER-EXAMPLE-001",
  "orderStatus": "PAID",
  "orderAmount": 350.0,
  "paymentAmount": 365.5,
  "paymentMethod": "MWALLET",
  "paymentTime": 1712920860000,
  "fawryFees": 15.5,
  "interestAmount": 0.0,
  "upFrontFees": 0.0,
  "authNumber": "AUTH-EXAMPLE",
  "customerName": "Example Customer",
  "customerMobile": "01000000000",
  "customerMail": "[email protected]",
  "customerProfileId": "100001",
  "walletQr": null,
  "signature": "<signature>"
}

积分历史记录

GET /v1/rewards/point-ledger opendata

分页读取商户积分台账，包含所得积分、埃及镑金额、可用日期、到期日期与交易状态，供 FawryPay 权益界面展示。

认证方式：携带登录返回的 Authorization Bearer 令牌。

resultCount
pointsList.id
pointsList.points
pointsList.amount
pointsList.transactionDate
pointsList.readyToUseDate
pointsList.expiryDate
pointsList.redemptionDate
pointsList.transactionStatus
pointsList.branch

GET /v1/rewards/point-ledger?merchantCode=MERCHANT-EXAMPLE&customerProfileId=100001&page=0&size=20 HTTP/1.1
Authorization: Bearer <access-token>

{
  "resultCount": 2,
  "pointsList": [
    {
      "id": 501,
      "points": 120.0,
      "amount": 12.0,
      "transactionDate": 1712505600000,
      "readyToUseDate": 1712592000000,
      "expiryDate": 1720339200000,
      "redemptionDate": null,
      "transactionStatus": "READY",
      "branch": {"branchCode": "CAI-01"}
    }
  ]
}

权益券历史记录

GET /v1/rewards/voucher-ledger opendata

列出已发放权益券的状态、所属积分计划及礼品描述，供优惠券钱包展示。

认证方式：携带登录返回的 Authorization Bearer 令牌。

totalElements
vouchersList.id
vouchersList.status
vouchersList.loyaltyProgram
vouchersList.gift

GET /v1/rewards/voucher-ledger?merchantCode=MERCHANT-EXAMPLE&customerProfileId=100001&page=0&size=20 HTTP/1.1
Authorization: Bearer <access-token>

{
  "totalElements": 1,
  "vouchersList": [
    {
      "id": 88,
      "status": "ACTIVE",
      "loyaltyProgram": {"id": 3, "name": "Fawry Rewards"},
      "gift": {"giftType": "COUPON", "giftDescription": "EGP 50 off"}
    }
  ]
}

校验商户优惠码

POST /v1/offers/coupon-check openfinance

按当前购物清单校验优惠码，在扣款前返回 discountAmount 和匹配的账单项目。

认证方式：携带登录返回的 Authorization Bearer 令牌。

discountAmount
giftDescription
matchedItems

POST /v1/offers/coupon-check HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"couponCode": "FAWRY50", "merchantCode": "MERCHANT-EXAMPLE", "amount": 350.0}

{
  "discountAmount": 50.0,
  "giftDescription": "EGP 50 off electricity bill",
  "matchedItems": [
    {"itemId": "BILL-ELEC", "price": 350.0}
  ]
}

valU 客户资格状态
GET /v1/credit/eligibility/{phoneNumber} openfinance
按手机号查询 valU 分期资格，在展示分期计划选择界面前确认客户状态。
认证方式：携带登录返回的 Authorization Bearer 令牌；language 查询参数默认为 en-gb。
- customerStatus
- responseCode
- responseDesc
```
GET /v1/credit/eligibility/01000000000?language=en-gb HTTP/1.1
Authorization: Bearer <access-token>
```
```
{
  "customerStatus": "ELIGIBLE",
  "responseCode": "00",
  "responseDesc": "Customer eligible for valU"
}
```

验证 valU 客户

POST /v1/credit/verification openfinance

为当前结账金额启动 valU 客户验证，返回后续一次性验证码步骤使用的 orderId。

认证方式：携带登录返回的 Authorization Bearer 令牌。

mobileNumber
orderId
responseCode
responseDesc

POST /v1/credit/verification HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"valUCustomerVerificationRequest": {"mobileNumber": "01000000000"}, "chargeRequest": {"merchantCode": "MERCHANT-EXAMPLE", "amount": 350.0}}

{
  "mobileNumber": "01000000000",
  "orderId": "VALU-EXAMPLE-001",
  "responseCode": "00",
  "responseDesc": "OTP sent"
}

valU 分期方案

POST /v1/credit/tenor-options openfinance

返回当前订单的 valU 分期期限，包括 minimumDownPayment，以及各方案的 noOfMonths、rate 和金额上下限。

认证方式：携带登录返回的 Authorization Bearer 令牌。

mobileNumber
orderId
minimumDownPayment
responseCode
responseDesc
productList
noOfMonths
rate
minAmount
maxAmount
upFrontFees
nameEN
nameAR

POST /v1/credit/tenor-options HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"mobileNumber": "01000000000", "orderId": "VALU-EXAMPLE-001", "amount": 350.0}

{
  "mobileNumber": "01000000000",
  "orderId": "VALU-EXAMPLE-001",
  "minimumDownPayment": 35.0,
  "responseCode": "00",
  "responseDesc": "Plans available",
  "productList": [
    {
      "id": 6,
      "noOfMonths": 6,
      "rate": 1.5,
      "minAmount": 100.0,
      "maxAmount": 20000.0,
      "upFrontFees": 0.0,
      "nameEN": "6 months",
      "nameAR": "٦ أشهر"
    }
  ]
}

创建 Forsa 贷款

POST /v1/credit/agreements openfinance

按结账金额创建 Forsa 分期贷款，并返回后续 Forsa 支付使用的 loanId。

认证方式：携带登录返回的 Authorization Bearer 令牌。

loanId
detail

POST /v1/credit/agreements HTTP/1.1
Authorization: Bearer <access-token>
Content-Type: application/json

{"merchantCode": "MERCHANT-EXAMPLE", "amount": 1200.0, "tenureMonths": 12, "customerMobile": "01000000000"}

{
  "loanId": 440291,
  "detail": "Loan created"
}

商户分期方案
GET /v1/checkout/tenor-options openfinance
列出 FawryPay 结账可用的商户配置分期方案，包括月数、费率、金额上下限与前置费用。
认证方式：携带登录返回的 Authorization Bearer 令牌。
- id
- installmentPlan.id
- installmentPlan.nameEN
- installmentPlan.nameAR
- installmentPlan.noOfMonths
- installmentPlan.rate
- installmentPlan.minAmount
- installmentPlan.maxAmount
- installmentPlan.upFrontFees
- installmentPlan.merchantProfileCode
- installmentPlan.isOnline
- installmentPlan.type
```
GET /v1/checkout/tenor-options?merchantCode=MERCHANT-EXAMPLE&amount=1200 HTTP/1.1
Authorization: Bearer <access-token>
```
```
[
  {
    "id": 12,
    "installmentPlan": {
      "id": 12,
      "nameEN": "12 months",
      "nameAR": "١٢ شهر",
      "noOfMonths": 12,
      "rate": 2.1,
      "minAmount": 200.0,
      "maxAmount": 50000.0,
      "upFrontFees": 25.0,
      "merchantProfileCode": "MERCHANT-EXAMPLE",
      "isOnline": true,
      "type": "CARD"
    }
  }
]
```

收货地址

GET /v1/delivery/destinations osint

返回已保存的收货地址，包括收件人、开罗省级行政层级及地理坐标，供货到付款和配送结账使用。

认证方式：携带登录返回的 Authorization Bearer 令牌。

id
receiverName
receiverMobile
address
buildingNumber
floorNumber
apartmentNumber
isDefault
status
governorate
city
area
geolocation

GET /v1/delivery/destinations HTTP/1.1
Authorization: Bearer <access-token>

[
  {
    "id": 31,
    "receiverName": "Example Customer",
    "receiverMobile": "01000000000",
    "address": "12 Example Street",
    "buildingNumber": "12",
    "floorNumber": "3",
    "apartmentNumber": "8",
    "isDefault": true,
    "status": "ACTIVE",
    "governorate": {"governorateCode": "C", "governorateDisplayName": "Cairo"},
    "city": {"cityCode": "CAI", "cityDisplayName": "Nasr City"},
    "area": {"areaName": "Abbas El Akkad"},
    "geolocation": {"latitude": 30.0444, "longitude": 31.2357}
  }
]

数据类别

余额
卡片
支付
账单
积分
分期
身份
地址

数据使用场景与案例

埃及账单对账
财务机器人在扣款后拉取 referenceNumber、orderStatus、paymentAmount 与 fawryFees，让公用事业与政务收费方把 Fawry 代收对上自有台账。
钱包与绑卡汇总
账户聚合层读取 walletAccounts.balance、currencyCode、lastFourDigits 以及卡片 firstSixDigits / brand，把 Fawry 钱包与 Meeza 预付卡和银行账户放在一起展示。
分期资格与期限定价
放贷方查看 valU 的 customerStatus、minimumDownPayment、noOfMonths、rate 以及 Forsa 的 loanId，比较同一结账上的分期方案。
积分台账同步
权益平台分页同步 pointsList（points、amount、expiryDate、transactionStatus）与 vouchersList，让 Fawry Rewards 与商户 CRM 对齐。

常见问题

示例包含哪些钱包与绑卡字段？

账户示例包含 walletAccounts.balance、walletAccounts.currencyCode、walletAccounts.lastFourDigits、walletAccounts.minRedemptionPoints，以及 cif 与 fawryCustomerNumber。绑卡记录提供 cards.brand、cards.firstSixDigits 和 cards.lastFourDigits，可构建脱敏卡片选择视图。

除余额外，数据能否描述缴费回执？

可以。扣款回执与钱包支付状态记录包含 referenceNumber、orderStatus、paymentAmount、fawryFees 和 paymentTime。商户订单参考号在扣款回执中为 merchantRefNum，在钱包状态记录中为 merchantRefNumber；后者另有 authNumber 与可选的 walletQr，可将代收款匹配至商户台账。

示例包含哪些分期服务商的数据？

valU 记录包含 customerStatus、验证用的 orderId，以及方案中的 noOfMonths、rate、minimumDownPayment 和 upFrontFees。Forsa 融资返回 loanId。商户配置的方案还提供 installmentPlan.upFrontFees、installmentPlan.minAmount 和 installmentPlan.maxAmount，可比较结账分期选项。

这些示例采用什么鉴权方式？

登录示例返回 token 与 refreshToken，后续请求示意使用 Authorization: Bearer <access-token>，并按需要携带 Accept-Language 的 ar-eg 或 en-gb。路由与令牌值均为示例占位内容，不是官方服务地址或可用凭据。

与 myFawry 相似的应用

InstaPay Egypt — InstaPay Egypt 是埃及央行的即时支付应用，可在已绑定的银行账户、Meeza 预付卡、手机钱包和电子卡之间全天候收发款项，并支持缴账单。
etisalat money - EG — etisalat money - EG 是 e& 埃及的电子钱包，已开通用户可向其他钱包转账、缴公共事业费、商户消费、话费充值、办理线上卡，并在 etisalat 门店、ATM 或商户取现。
Orange Max it - Egypt — Orange Max it - Egypt 把 Orange 套餐与宽带管理和 Orange Cash 放在同一应用里，可收发款项、给号码充值并缴公共事业费。
WE Pay EG — WE Pay EG 是埃及电信与 Banque Misr 合作的钱包，可在 WE 门店、Fawry 网点和银行 ATM 存取现金，缴纳 WE 与水电燃气账单，扫码消费，并向国内其他电子钱包转账。
Halan: Lending, BNPL, Payments — Halan 是埃及金融科技应用，把先买后付、消费贷款、账单缴费和应用内收发款项放在同一入口。
AMAN — AMAN 是 Raya Holding 旗下埃及应用，可缴账单、充值和捐款，申请 AMAN 分期卡，并查找提供分期购物的 AMAN 门店与商户。
Sahl سهل - Payments Made Easy — Sahl 是埃及账单缴费应用，覆盖预付与后付电费、水费、燃气、话费、固话、捐款等，并可用银行卡、Meeza 或电子钱包付款。
Telda — Telda 是埃及消费应用，可在应用内申请定制卡用于线上线下消费，向亲友即时转账，并按分类查看开支。

需要集成这个 App 的数据 API？

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myFawry 钱包、账单与分期数据 API

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数据类别

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分期资格与期限定价

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与 myFawry 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

C3Pay

相关主题

需要集成这个 App 的数据 API？

myFawry 钱包、账单与分期数据 API

应用截图

API 端点一览

客户登录

按令牌读取客户资料

已保存卡片列表

创建支付会话

执行支付扣款

手机钱包支付状态

积分历史记录

权益券历史记录

校验商户优惠码

valU 客户资格状态

验证 valU 客户

valU 分期方案

创建 Forsa 贷款

商户分期方案

收货地址

数据类别

数据使用场景与案例

埃及账单对账

钱包与绑卡汇总

分期资格与期限定价

积分台账同步

常见问题

相关应用

与 myFawry 相似的应用

更多支付类应用

BharatPe for Business

BrasilCard Cliente

BukuWarung Apps for MSMEs

C3Pay

相关主题

需要集成这个 App 的数据 API？