external_id.metadata.userId.currency=RUB или currency=USD как intent — платформа посчитает RUB-charge по mid Rapira (без fx_markup). В ответе валюта платежа будет RUB. Merchant FX применяется один раз при зачислении на баланс, не при create.payment_url или requisites, если метод их поддерживает. Финальный статус придёт webhook-ом.curl --location 'https://api.smerch.io/api/v1/integration/transactions' \
--header 'X-Api-Key: <api-key>' \
--header 'X-Signature: <api-key>' \
--header 'Content-Type: application/json' \
--data '{
"amount": 1,
"currency": "RUB",
"payment_method": "string",
"external_id": "string",
"description": "string",
"metadata": {
"userId": "string",
"userName": "string",
"clientIp": "string",
"property1": "string",
"property2": "string"
},
"callback_url": "http://example.com",
"success_url": "http://example.com",
"fail_url": "http://example.com"
}'{
"uuid": "095be615-a8ad-4c33-8e9c-c7612fbf6c9f",
"type": "string",
"amount": 0,
"gross_amount": 0,
"net_amount": 0,
"fee_amount": 0,
"fee_payer": "string",
"merchant_fee_share_bps": 0,
"merchant_fee_merchant_amount": 0,
"merchant_fee_customer_amount": 0,
"currency": "string",
"payment_method": "string",
"status": "pending",
"status_detail": "awaiting_payment",
"status_category": "pending",
"external_id": "string",
"description": "string",
"metadata": {
"property1": "string",
"property2": "string"
},
"payment_url": "http://example.com",
"requisites": {
"property1": "string",
"property2": "string"
},
"expires_at": "2019-08-24T14:15:22.123Z",
"paid_at": "2019-08-24T14:15:22.123Z",
"settle_available_at": "2019-08-24T14:15:22.123Z",
"created_at": "2019-08-24T14:15:22.123Z",
"updated_at": "2019-08-24T14:15:22.123Z"
}