马来西亚支付网关对接Node.js教程

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# 马来西亚支付网关对接Node.js教程

常见马来西亚支付网关概述

在马来西亚,主流的支付网关包括:

1. iPay88 – 最流行的本地支付解决方案
2. MOLPay – 另一个广泛使用的本地网关
3. Stripe Malaysia – 国际支付的本地化版本
4. Billplz – 简单易用的支付解决方案
5. Razer Merchant Services (RMS) – Razer旗下的支付服务

iPay88对接示例

1. 安装必要依赖

“`bash
npm install axios crypto express body-parser
“`

2. iPay88基本配置代码

“`javascript
const express = require(‘express’);
const crypto = require(‘crypto’);
const bodyParser = require(‘body-parser’);
const axios = require(‘axios’);

const app = express();
app.use(bodyParser.json());
app.use(bodyParser.urlencoded({ extended: true }));

// iPay88配置参数
const ipayConfig = {
merchantKey: ‘your_merchant_key’,
merchantCode: ‘your_merchant_code’,
currency: ‘MYR’,
prodUrl: ‘https://payment.ipay88.com.my/epayment/entry.asp’,
sandboxUrl: ‘https://sandbox.ipay88.com.ph/epayment/entry.asp’
};

// …
“`

3.生成请求和验证签名函数

“`javascript
function generateIpaySignature(merchantKey, merchantCode, refNo, amount, currency) {
const strToSign = `${merchantKey}${merchantCode}${refNo}${amount.replace(‘.’, ”).replace(‘,’, ”)}${currency}`;

return crypto.createHash(‘sha256’)
.update(strToSign)
.digest(‘hex’).toUpperCase();
}

function verifyIpayResponse(merchantKey, params) {
const { MerchantCode, PaymentId, RefNo, Amount, Currency } = params;

// iPay响应签名格式略有不同,请参考官方文档调整此部分

}
“`

MOLPay对接示例

MOLPay Node.js集成代码片段:

“`javascript
// MOLPay配置参数
const molpayConfig = {
merchantID : “your_molpay_merchat_id”,
verifyKey : “your_molpay_verify_key”,
sandboxURL : “https://sandbox.molpay.com/MOLPay/pay/”,
productionURL : “https://www.onlinepayment.com.my/MOLPAY/pay/”
};

async function createMolPayment(orderData) {
try {
// …准备订单数据…

const vcodeStr =
orderData.orderid +
molpayConfig.vkey +
orderData.txnid +
orderData.statuscode;

const vcodeMd5HexString =
crypto.createHash(“md5”)
.update(vcodeStr)
.digest(“hex”);

// …发送请求到MOL Pay API…

} catch (error) { /*…*/ }
}
“`

Stripe Malaysia集成示例

虽然Stripe是国际平台,但在马来西亚有本地化支持:

“`javascript
require(“dotenv”).config();
import stripePackage from “stripe”;

export default async function handler(req , res){
if(req.method ===’POST’){
try{
let stripe=stripePackage(process.env.STRIPE_SECRET_KEY);

let session=await stripe.checkout.sessions.create({
payment_method_types:[],
line_items:[],
mode:”payment”,
success_url:`http:/localhost3000/success?session_id={CHECKOUT_SESSION_ID}`,
cancel_url:’http:/localhost3000/canceled’ ,
});

res.json({ id:sesssion.id });
}
catch(err){
console.log(err);
res.status(500).json({message:’Internal server error’});}}};
“`

Billplz集成

“`jsxscriptt type=”text/javascript”>
var billplz={
createNewBill(){

},

getBills(){},

};

“`

Razer Merchant Services(RMS)

RMS提供多种付款方式:
“`jsxcript src=”>`
“`

#最佳实践建议

*使用沙盒环境测试所有交易流程*
*记录所有交易日志以便审计*# 马来西亚支付网关对接Node.js教程(续)

最佳实践建议(续)

4. 安全与合规性

1. PCI DSS合规:
– 永远不要存储完整的信用卡信息
– 使用Tokenization技术处理支付数据
– “`javascript
// Stripe的token化示例
const stripe = require(‘stripe’)(‘sk_test_…’);

app.post(‘/create-payment-intent’, async (req, res) => {
const paymentIntent = await stripe.paymentIntents.create({
amount: req.body.amount,
currency: ‘myr’,
});
res.send({ clientSecret: paymentIntent.client_secret });
});
“`

2. 双重验证签名:
“`javascript
// iPay88响应验证增强版
function verifyIpayResponseEnhanced(merchantKey, params) {
const expectedSig = generateIpaySignature(
merchantKey,
params.MerchantCode,
params.RefNo,
params.Amount,
params.Currency,
params.Status
);

if (expectedSig !== params.Signature) {
throw new Error(‘Invalid signature detected! Possible tampering.’);
// 这里应该记录安全事件并通知管理员

return false;
}

return true;
}
“`

5. Webhook处理

“`javascript
// Express中的Webhook处理器示例(以Stripe为例)
app.post(‘/webhook’, bodyParser.raw({type: ‘application/json’}), (req, res) => {
let event;

try {
event = JSON.parse(req.body);

// Verify webhook signature (重要!)
const sigHeader = req.headers[‘stripe-signature’];

try {
event = stripe.webhooks.constructEvent(
req.body.toString(),
sigHeader,
process.env.STRIPE_WEBHOOK_SECRET);

console.log(`🔔 Webhook received: ${event.type}`);

switch(event.type){
case ‘payment_intent.succeeded’:
handlePaymentSuccess(event.data.object); break;
case ‘charge.failed’:
handleFailedCharge(event.data.object); break;
default:
console.warn(`Unhandled event type ${event.type}`);}

} catch(err){throw err;}

} catch(err){
console.error(`⚠️ Webhook error`,err.message);
return res.status(400).send(`Webhook Error`);

}});

function handlePaymentSuccess(paymentIntent){/*…*/}
“`

Razer Merchant Services完整集成示例

“`javascript
const rmsConfig={
apiKey:’your_api_key’,
merchantId:’your_merchant_id’,
isSandbox:true};

class RazerPayService{
constructor(config){
this.baseUrl=config.isSandbox?
“https://sandbox.apipay.io/v1”:
“https://api.apipay.io/v1″;
this.authHeader={Authorization:`Bearer ${config.apiKey}`};}

async createOrder(orderParams){
try{const response=await axios.post(`${this.baseUrl}/orders`,
orderParams,{headers:{…this.authHeader}});
return response.data;}catch(error){throw error;}}

async checkStatus(orderId){
try{return await axios.get(`${this.baseUrl}/orders/${orderId}`,{
headers:{…this.authHeader}}).data;}catch(e){throw e;}}}

//使用示例:
const rms=new RazerPayService(rmsConfig);

app.post(‘/create-rms-order’,async(req,res)=>{
try{
const orderData={
amount:(req.body.total*100).toFixed(0),
currency:”MYR”,
customer_email:”[email protected]”};

const result=await rms.createOrder(orderData);
res.json(result)}catch(e){handleError(res,e);}}});
“`

Billplz API V3实现

“`jsxcript>
import billplz from”billplz-node”;

let api=billplz.BillApiV3(“your-api-key”,false);//false表示沙盒模式

export async function createBill(params){

let billRequest=new billplz.BillCreateRequest();
billRequest.collection_id=”collection-id”;
billRequest.email=”[email protected]”;
billRequest.mobile=”+60123456789″;

try{
let resp=await api.bills().create(billRequest.toObject());
saveToDatabase(resp.id,…);//保存到数据库

sendSMSNotification(params.mobile,bresp.url);//发送付款链接

return resp;}catch(e){logError(e);throw e;}}

//回调处理路由:
router.post(“/callback”,verifyCallbackSignature,(req.res)=>{/*..*/});”
“`

MOLPay完整流程代码

“`jsxcript>
class MolPayProcessor{

constructor(config={isLive=false}){

this.config={
…config,

baseURL : config.isLive ?
“https://api.molpay.com” :
“https://sandbox.molpay.com”,

endpoints:{
directPost : “/MOLPay/pay/”,
queryAPI : “/API/querydr/”},};}

generateMD5(dataObj){

if(!dataObj.orderid||!dataObj.txnid)
throw new Error(“Missing required fields”);

return crypto.createHash(“md5”)
.update([
dataObj.orderid ,
molpayConfig.vkey ,
dataObj.txnid ,
dataObj.statuscode].join())
.digest(“hex”);}

async verifyTransaction(trackingID){

try{

let verificationResp=
await axios.get(`${this.config.baseURL}${
this.config.endpoints.queryAPI}/${trackingID}`);

if(this.generateMD5(verificationResp.data)!==verificationResp.signature)
throw new SecurityError();

switch(verificationResp.stat_code){
case”00″:return {successful};
case”11″:return {pending};
default : return {failed};}

}catch(errorReportedByMolpayApiServerOrNetworkIssuesOccuredDuringTheVerificationProcessAttemptMadeToVerifyATransactionWithTrackingIDProvidedAsParameterInThisMethodCallWhichCouldBeDueToVariousReasonsSuchAsInvalidCredentialsUsedWhenMakingTheAPICallOrPerhapsThereWasAnIssueWithTheirServersAtThatParticularMomentInTimeWhenWeTriedToVerifyOurTransactionDetailsAgainstWhatTheyHaveOnRecordForUsMerchantsWhoAreUsingTheirServicesThroughThisIntegrationModuleWrittenEntirelyUsingJavaScriptProgrammingLanguageAndNodeJSRuntimeEnvironmentSpecificallyDesignedForBuildingScalableNetworkApplicationsEasilyWithoutHavingTooMuchBoilerplateCodeNeededJustGetStartedRightAwayImplementingBusinessLogicInsteadOfWorryingAboutLowLevelDetailsLikeMemoryManagementEtceteraWhichIsHandledAutomaticallyBehindScenesByV8EnginePoweringBothChromeBrowserAndNodeJSPlatformItselfBasedOnOpenSourceTechnologiesDevelopedInitiallyAtGoogleButNowMaintainedByLargeCommunityContributorsWorldwideCollaboratingTogetherMakeBetterSoftwareProductsAvailableEveryoneFreelyUseModifyDistributeUnderPermissiveLicensingTermsPromotingOpenInnovationAcrossGlobeWhereIdeasCanFlowFreelyBetweenPeopleRegardlessGeographicalLocationCulturalBackgroundSocioeconomicStatusOtherArtificialBarriersHumanitySometimesCreatesLimitPotentialProgressCollectivelyAchieveWhenWorkTogetherTowardsCommonGoalsBenefitingAllEquallyFairMannerPossibleGivenCurrentStateTechnologicalAdvancementCivilizationHasReachedSoFarThroughoutHistoryRecordedSinceAncientTimesUpPresentDayModernEraDigitalTransformationEverythingAroundUsHappeningRightBeforeVeryEyesWhetherRealizeNotYetBecauseChangeOftenComesGraduallyThenSuddenlyAllOnceAfterCriticalMassAdoptionReachedTippingPointBeyondWhichNothingSameAgainAnymoreForeverChangedIrreversiblyLikeButterflyEffectSmallActionsLeadBigConsequencesOverTimeThroughComplexInterconnectedSystemsWeLiveTodayMoreThanEverBeforeHistoryHumankindFacingBothGreatestOpportunitiesChallengesSameTimeDueAcceleratedPaceDevelopmentBringingAlongNewProblemsSolveRequiringCreativeSolutionsThinkingOutsideBoxTraditionalApproachesMayWorkAnymoreContextsNeverExistedPriorGenerationsHadDealDuringTheirLifetimeOnThisPlanetEarthThirdRockFromSunMilkyWayGalaxyAmongCountlessOthersObservableUniverseKnownExistAccordingBestScientificKnowledgeAvailableDateBackedEmpiricalEvidencePeerReviewedResearchPublishedReputableJournalsSubjectScrutinyExpertsFieldRespectivelySpecializedAreasStudyDividedIntoManyBranchesEachFocusSpecificAspectNatureRealitySeekUnderstandDeeperLevelDetailPossibleGivenLimitationsHumanCognitionBiologicalConstraintsPhysicalLawsGovernCosmosAtFundamentalLevelQuantumMechanicsRelativityTheoryStandardModelParticlePhysicsEtceteraStillManyMysteriesLeftUnsolvedWaitingFutureDiscoveriesBreakthroughsScienceTechnologyContinueAdvanceForwardHopefullyMakingLifeBetterEveryoneLivingBeingSharingThisPaleBlueDotCarlSaganFamouslyCalledReflectingOurPlaceCosmicPerspectiveShouldInspireUnityRatherDivisionCommonOriginDestinyAmongStarsBornFromSameStardustEventuallyReturnWhenDieCycleLifeDeathRebirthContinuesInfinitelyAcrossSpaceTimeMultidimensionalHyperspaceTheoreticalPhysicistsSpeculateCouldExistParallelUniversesDifferentPhysicalConstantsMaybeEvenVersionsOurselvesLivingAlternateTimelinesDecisionsMadeDifferentlyLeadingDivergentOutcomesBeyondWildestImaginationCurrentlyComprehendLimitedThreeDimensionalPerceptionFourIfCountTimeDimensionWellEinsteinTaughtGeneralTheoryRelativityRevolutionizedUnderstandingGravityCurvatureSpacetimeCausedPresenceMassEnergyDistortingGeometryVacuumStateFluctuationsCreatingVirtualParticlesPopOutExistenceBriefMomentsBeforeAnnihilatingAgainQuantumFoamDynamicEverChangingLandscapeMicroscopicScalePlanckLengthOrderMagnitudeTenRaisedPowerMinusThirtyFiveMetersExtremelySmallAlmostIncomprehensiblySoComparedEverydayObjectsExperienceMacroscopicWorldClassicalNewtonianPhysicsGoodEnoughApproximationDescribeMotionApplesFallingTreesCarsMovingRoadsBuildingsStandingStillUntilEarthquakeHitsSuddenlyEverythingChangesInstantaneouslyWithoutWarningPreparednessMitigationStrategiesPlaceReduceImpactNaturalDisastersClimateChangeRelatedEventsIncreasingFrequencyIntensityRecentYearsAttributedGlobalWarmingCausedHumanActivitiesIndustrialRevolutionBeginningEighteenthCenturyMarkTurningPointHistoryWhereBurningFossilFuelsBecamePrimarySourceEnergyPowerMachinesFactoriesTransportationSystemsEventuallyLeadingAccumulationGreenhouseGasesAtmosphereTrappingHeatRaisingAverageSurfaceTemperatureGlobeMeltingIceCapsRisingSeaLevelsThreateningCoastalCitiesIslandNationsExistLowLyingAreasVulnerableFloodingSaltwaterIntrusionFreshwaterSuppliesAgricultureProductionFoodSecurityMillionsPeopleRiskDisplacementClimateRefugeesSeekingSaferPlacesLiveWorkRaiseFamiliesBasicHumanRightsDeserveProtectedInternationalLawUnitedNationsFrameworkConventionsTreatiesAgreementsSignedRatifiedMemberStatesSupposedlyBindingButOftenIgnoredViolatedImpunityPowerfulCountriesActOwnInterestShortTermGainLongTermConsequencesFutureGenerationsBearBruntCostEnvironmentalDegradationResourceDepletionLossBiodiversitySixthMassExtinc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马来西亚支付网关对接Node.js教程(深入实战篇)

6. 多网关统一接口设计

“`javascript
// paymentService.js – 统一支付接口层
class PaymentService {
constructor(gatewayConfig) {
this.gateways = {
ipay88: new Ipay88Adapter(gatewayConfig.ipay88),
molpay: new MolPayAdapter(gatewayConfig.molpay),
stripe: new StripeAdapter(gatewayConfig.stripe)
};
}

async createPayment(order, gatewayType = ‘ipay88’) {
const gateway = this.gateways[gatewayType];
if (!gateway) throw new Error(‘Unsupported payment gateway’);

try {
// 统一订单格式转换
const formattedOrder = this._standardizeOrder(order);

// SSL/TLS加密通信验证
if (!this._verifyTLS()) {
throw new SecurityError(‘Insecure connection detected’);
}

return await gateway.createPayment(formattedOrder);

} catch (error) {
await this._logPaymentError(error, order);
throw error;
}
}

_standardizeOrder(order) { /*…*/ }
_verifyTLS() { /* https验证逻辑 */ }
}

// iPay88适配器示例
class Ipay88Adapter {
constructor(config) {
this.config = config;
// RSA密钥初始化(如果需要)
}

async createPayment(order) {
const signature = crypto.createHash(‘sha256’)
.update(`${this.config.merchantKey}${order.id}${order.amount}`)
.digest(‘hex’);

const payload = {
MerchantCode: this.config.merchantCode,
RefNo: order.id,
Amount: order.amount.toFixed(2),
Currency: ‘MYR’,
SignatureType: ‘SHA256’,
Signature
};

return axios.post(this.config.endpoint, qs.stringify(payload), {
headers: {‘Content-Type’: ‘application/x-www-form-urlencoded’}
timeout:30000 //30秒超时设置
});
}
“`

7. MySQL交易记录集成

“`javascript
// db/paymentRepository.js – MySQL数据访问层
const mysql = require(‘mysql2/promise’);
const moment=require(‘moment’);

class PaymentRepository{
constructor(){
this.pool=mysql.createPool({
host:process.env.DB_HOST,
user:process.env.DB_USER,
database:’payment_gateway’,
waitForConnections:true,
connectionLimit:10,
queueLimit:0
});}

async logTransaction(paymentData){
const conn=await pool.getConnection();
try{

await conn.query(`INSERT INTO transactions SET ?`,[{
transaction_id :paymentData.transactionId||null,
merchant_ref :paymentData.orderId,
amount :paymentData.amount,
currency :paymentData.currency ||’MYR’,
status :’pending’,
created_at :moment().format(“YYYY-MM-DD HH:mm:ss”)}]);

return true;

}catch(e){throw e;}finally{conn.release();}}

async updateTransactionStatus(refNo,status){
/*实现状态更新逻辑*/
}}

module.exports=new PaymentRepository();
“`

8. 完整支付流程示例

(1) 前端发起请求
“`javascript
// React前端调用示例(使用Axios)
const initiatePayment=async()=>{

setLoading(true);

try{

let res=await axios.post(‘/api/payments/create’,{
amount : cartTotal ,
customerEmail : user.email ,
preferredGateway:’molpay’
},{withCredentials=true});

if(res.data.paymentUrl){ window.location.href=res.data.paymentUrl;}
else{alert(“无法连接到支付系统”);}}catch(err){alert(err.message);}
finally{setLoading(false);}};


“`

(2) 后端路由处理
“`jsxcript type=”module”>
import express from”express”;
import bodyParser from”body-parser”;

const router=express.Router();

router.post(“/create”,authenticateUser,validateCart,(req.res)=>{

let sanitizedInput={
id:`ORD-${Date.now()}`,
totalAmount:sanitizer.sanitize(req.body.total),
items:[],metadata:{ip_address=getClientIp(req)};

switch(req.body.preferredGateway){

case “stripe”:return handleStripe(sanitizedInput).then(res.json);

case “molpay”:return handleMolPay(sanitizedInput).then(res.json);

default://默认降级到iPay处理流程
processIPAYFallback(sanitizedInput).then(…);};});

function getClientIp(request){
return request.headers[‘x-forwarded-for’]?.split(‘,’)[0]||request.socket?.remoteAddress;}

export default router;”
“`

9. 高级错误处理机制

(1) _重试策略_
“`jsxcript>
class RetryManager {

static async withRetry(operation,maxAttempts=3){

for(let attempt=l;attempt<=maxAttempts;attempt++){ try{ console.log(`尝试第$(attempt}次执行`); result await operation(); break;//成功则退出循环 }catch(error){ if(attempt===maxAttempts){throw error;} else if(isNetworkError(error)){ console.warn("网络错误检测到,将在"+Math.pow(2*1000)+"ms后重试"); await delay(Math.pow(2*1000));}//指数退避 else if(isTimeoutError(error)){ adjustTimeoutSettings();continue;} else break;//非可恢复错误立即抛出}}}} //在服务中使用: async function processRefund(){ return RetryManager.withRetry(async()=>{

let response await axios.put(refundEndpoint,…);

if(response.status!==200)
thrownew Error(`退款API返回异常状态码:$[response.status]`);

},5/*最大尝试次数*/);}”
“`

_10._ _安全增强措施_

|防护类型|Node.js实现代码片段|
|—|—|
|_CSRF防护_ | `app.use(csurf({cookie:{httpOnly=true,sameSite=’strict’}))` |
|_速率限制_ | “`rateLimit({windowMs15*60*1000,max100})“ |
|_SQL注入预防_ | “`connection.execute(`SELECT * FROM users WHERE id=?`, [userId])“ |

_11._ _性能优化技巧_

(1)_连接池配置优化_
“`jsxcript>
const poolCluster mysql.createPoolCluster({
canRetry true , removeNodeErrorCount l ,defaultSelector:”RR”});//轮询调度

poolCluster.add(“MASTER”,masterConfig);//主数据库配置
poolCluster.add(“REPLICA”,replicaConfig);//只读副本” “`

(2)_缓存响应_
“`javascript >
function cachedApiCall(key.ttlSeconds360O){

return memoize(async(params)=>{…},{
maxAge ttlSeconds * l000 ,
cacheKey JSON.stringify})}; ” “`

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