MODO
国家/地区: 阿根廷 (AR) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 65%
MODO 是由阿根廷 35 家主流商业银行联合发起的国家级银行系数字钱包平台，以银行账户与借贷记卡直连、无缝享受银行专属促销折扣为核心优势，广泛用于电商在线结账、实体商户扫码及跨行即时转账。
🔄 用户付款交互流 (User Flow)
- Customer selects MODO at checkout
- Checkout displays MODO QR code or initiates deep-link into bank app
- Customer opens MODO app or participating mobile banking app (Santander, BBVA, Galicia, Macro, Nación)
- Customer selects debit/credit card or bank balance and confirms instant payment
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant integrates MODO API or gateway (Prisma / Payway / dLocal / Kushki)
- Gateway generates MODO payment token and dynamic QR payload
- Gateway receives clearing confirmation and updates order status with bank discount reconciliation
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal🔌 Kushki