面向跨境汇款、移动钱包与现金取款网点的协议分析、OpenData 集成与可运行 API 源码交付
我们基于公开/授权接口与协议逆向分析实践，提供合规、可测的接入方案：从认证、汇率查询、发起转账、MTCN 跟踪到取款点查询与 webhook 事件，我们输出可直接部署的 API 源码、OpenAPI 文档与测试脚本。
// Node.js (伪代码)
POST /api/v1/wu/auth/token
Body: { client_id, client_secret }
=> { access_token, expires_in }
POST /api/v1/wu/transfers
Headers: Authorization: Bearer <token>
Body: {
'from_country':'US', 'to_country':'KE', 'amount':200.00, 'currency':'USD',
'receiver':{ 'name':'John Doe', 'mobile':'+2547xxxxxxx', 'payout_method':'CASH' }
}
=> { transfer_id: 'TRX12345', mtcn: 'MTCN67890', status:'PENDING' }
GET /api/v1/wu/transfers/MTCN67890/status
=> { mtcn:'MTCN67890', status:'SENT', collected:false }
认证（OAuth2 / JWT）、发起转账（POST /transfers）、查询状态（GET /transfers/{mtcn}）、收款点检索（GET /agents）、汇率（GET /rates）、Webhook 与事件订阅。
# Python 伪代码：验证来自支付平台的 webhook
import hmac, hashlib, time
def verify_webhook(payload_bytes, signature_header, secret):
# signature_header 格式: ts=1670000000,v1=hexsig
parts = dict(x.split('=') for x in signature_header.split(','))
ts = int(parts['ts'])
sig = parts['v1']
if abs(time.time() - ts) > 300:
return False
expected = hmac.new(secret.encode(), msg= (str(ts).encode()+b'.'+payload_bytes), digestmod=hashlib.sha256).hexdigest()
return hmac.compare_digest(expected, sig)
我们是一家专注于 App 协议分析与授权 API 集成的技术工作室，长期服务于金融、支付、出行与电商客户。交付内容包含协议逆向/开放数据分析、OpenAPI 文档、示例 SDK 与全套测试用例，确保您在合规前提下快速上线。
0 transfer fee* on your first online transfer to a bank account or mobile wallet with Western Union®. Send money internationally, available 24/7.
Send money, track money transfers, review exchange rates, and find agent locations near you - all on the go with the Western Union® money transfer app.
WE MOVE MONEY TO MORE THAN 200 COUNTRIES AND TERRITORIES
Your friends and family can receive the funds directly to their bank account, mobile wallet**, or cash pick up in minutes*** at one of our trusted agent locations. Choose from currencies such as Indian Rupees, Philippine Pesos, US Dollars, and many more.
EASILY VIEW EXCHANGE RATES
View the latest international exchange rates instantly using the widget on our mobile money transfer app. Compare exchange rates for different currencies in real-time before you send money with the Western Union® app.
SET PREFERRED EXCHANGE RATE ALERTS
Choose your preferred exchange rate and get notified instantly when it’s available.
SIMPLE CARD SCANNING
Quickly make a money transfer by setting up card payments on your mobile phone. Avoid mistakes by scanning your credit or debit card using the camera on your device.
PAY THE WAY THAT WORKS FOR YOU
Pay directly from your bank account, cash at an agent location, or with a credit/debit card.
START ON THE MONEY TRANSFER APP, PAY IN CASH
Save time at the counter by starting your money transfer on our app and paying in cash at a participating agent location.
TRACK YOUR TRANSFER
You can easily track your money transfer via the app at any time using your tracking number (MTCN). Get notified via email when your receiver collects their money.
SEND AGAIN QUICKLY
Save your receiver’s details to your resend list in the app to make repeat transfers fast.
EASY TO SEND, SIMPLE TO RECEIVE
Bank account, Mobile wallet, Cash pickup options depending on the destination.
Western Union has offices worldwide and is headquartered in Denver, 7001 E. Belleview, Denver, CO 80237.
Got questions about our services? Contact one of Western Union agent locations. Use our agent location finder to find one nearby, or call +1-720-332-1000.
*Western Union makes money from currency exchange. Additional third party fees may apply.
**Availability varies.
***Delivery times may vary.
The above is the app marketing / feature list provided as the original app description for technical integration planning only.