支付宝开通蚂蚁花呗报错 ALIN10046

传入参数如代码所示 （此段代码在服务端 非APP端） 支付宝弹出错误码弹窗显示 ALIN10046 花呗不可用 APPID：2018041002534419 谢谢。。

AlipayTradeAppPayModel model = new AlipayTradeAppPayModel();
            model.setSubject(order.getProductName());
            model.setOutTradeNo(order.getOrderId());
            model.setTimeoutExpress("30m");
            String priceStr = String.format("%d.%02d",
                    order.getTotalPrice() / 100, order.getTotalPrice() % 100);
            model.setTotalAmount(priceStr);
            model.setProductCode("QUICK_MSECURITY_PAY");
            model.setGoodsType("1");
            model.setEnablePayChannels("pcredit,moneyFund,debitCardExpress,pcreditpayInstallment,creditCard,balance,credit_group");
            //接通花呗
            ExtendParams extendParams = new ExtendParams();
            extendParams.setHbFqNum("3");
            extendParams.setHbFqSellerPercent("100");
            model.setExtendParams(extendParams);

            // 原样返回的附加字段
            JSONObject passback = new JSONObject();
            passback.put("payType", PayType.ALI.toString());
            model.setPassbackParams(passback.toJSONString());
            logger.info("alipay model={}", JSON.toJSONString(model));

            // 实例化具体 API 对应的 request 类，类名称和接口名称对应，当前调用接口名称：alipay.trade.app.pay
            AlipayTradeAppPayRequest request = new AlipayTradeAppPayRequest();
            request.setBizModel(model);
            request.setNotifyUrl(crackingEnglishConfig.SERVER_HOST + PayConst.ALI_ORDER_CALLBACK);

            AlipayTradeAppPayResponse response = alipayClient.sdkExecute(request);

支付宝返回的 response.body如下

alipay_sdk=alipay-sdk-java-dynamicVersionNo&app_id=2018041002534419&biz_content={"enable_pay_channels":"pcredit,moneyFund,debitCardExpress,pcreditpayInstallment,creditCard,balance,credit_group","extend_params":{"hb_fq_num":"3","hb_fq_seller_percent":"100"},"goods_type":"1","out_trade_no":"20190904112646583AD49F8C5EBA818","passback_params":"{\"payType\":\"ALI\"}","product_code":"QUICK_MSECURITY_PAY","subject":"360天套餐","timeout_express":"30m","total_amount":"300.00"}&charset=utf-8&format=json&method=alipay.trade.app.pay&notify_url=http://test-oral.youdao.com/oral/pay/notify/order/ali&sign=xxxxxxx==&sign_type=RSA2&timestamp=2019-09-04 11:26:48&version=1.0

上面是进行过urlencode的 我给个没有url编码的

alipay_sdk%3dalipay-sdk-java-dynamicVersionNo%26app_id%3d2018041002534419%26biz_content%3d%7b%22enable_pay_channels%22%3a%22pcredit%2cmoneyFund%2cdebitCardExpress%2cpcreditpayInstallment%2ccreditCard%2cbalance%2ccredit_group%22%2c%22extend_params%22%3a%7b%22hb_fq_num%22%3a%223%22%2c%22hb_fq_seller_percent%22%3a%22100%22%7d%2c%22goods_type%22%3a%221%22%2c%22out_trade_no%22%3a%2220190904112646583AD49F8C5EBA818%22%2c%22passback_params%22%3a%22%7b%5c%22payType%5c%22%3a%5c%22ALI%5c%22%7d%22%2c%22product_code%22%3a%22QUICK_MSECURITY_PAY%22%2c%22subject%22%3a%22360%e5%a4%a9%e5%a5%97%e9%a4%90%22%2c%22timeout_express%22%3a%2230m%22%2c%22total_amount%22%3a%22300.00%22%7d%26charset%3dutf-8%26format%3djson%26method%3dalipay.trade.app.pay%26notify_url%3dhttp%3a%2f%2ftest-oral.youdao.com%2foral%2fpay%2fnotify%2forder%2fali%26sign%3dxxxxxxx%3d%3d%26sign_type%3dRSA2%26timestamp%3d2019-09-04+11%3a26%3a48%26version%3d1.0