Aani
国家/地区: 阿拉伯联合酋长国 (AE) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 45%
Aani 是阿联酋中央银行旗下运营的即时支付平台，支持通过手机号、邮箱或二维码直连银行账户进行秒级转账与扫码收单，广泛用于线上消费与日常即时清算。
🔄 用户付款交互流 (User Flow)
- Customer selects Aani Instant Pay at merchant checkout
- Checkout displays an Aani QR code or prompts for customer alias (phone/email)
- Customer opens their local UAE mobile banking app and scans the QR code
- Customer confirms the payment and authorizes using biometric PIN
- Funds transfer bank-to-bank in real-time and customer is redirected
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls payment creation API requesting Aani dynamic checkout
- PSP issues payment alias link or QR code
- PSP triggers real-time webhook once Al Etihad switch reports clearance
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 dLocal🔌 PayTabs🔌 iPayLinks🔌 Airwallex🔌 Adyen