Joinpay Payment and Allocation Integration

Problem

When integrating Joinpay, the common blocker is not a single endpoint but mixing three protocols: aggregated payment on /tradeRt/*, secondary-merchant onboarding on /altFunds, and repeated allocation on /allocFunds. Each has different signing and parameter rules. Applying aggregated-payment p0_, q*, and hmac rules to secondary merchants, or applying secondary-merchant sign, sec_key, and data rules to aggregated payment, causes repeated integration failures. This skill groups the entry point, triage, and subdirectory navigation so the task is first classified by product line before following the relevant docs.

How It Works

• Bundled entry: read the root file, then enter hj-payment-integration, hj-joinpay-aggregation-*, hj-joinpay-secondary-mch, or hj-joinpay-many-allocate by task.
• Protocol boundary: aggregated payment uses /tradeRt/* and concatenates values after sorting keys; secondary-merchant onboarding uses /altFunds with method, version, data, rand_str, sign, and sec_key; repeated allocation uses /allocFunds.
• Key steps: use the capability matrix for a quick scope check, the error-handling matrix for callback failures, and the protocol/version matrix for endpoint confirmation. For a first Joinpay integration with an unclear path, start from hj-payment-integration/SKILL.md.
• Subskills: aggregated payment covers initialization, ordering, querying, closing, fund-query, and refund; secondary merchant covers onboarding, images, and agreement signing; repeated allocation covers allocation, completion, and allocation queries.

Boundary and Notes

The skill is for integration navigation and example code. It does not provide real merchant materials, key custody, or production configuration changes. If the target Agent only accepts a single Skill zip, the full zip containing this entry is usually required; if it supports multiple directories, subdirectories can be imported separately. When new subskills or shared rules appear, sync the full structure from the official repository Joinpay-Official/hj-payment-skills instead of copying isolated files, to avoid inconsistent directory indexes, dependencies, or shared rules.