Tarjeta Naranja (Naranja X)
国家/地区: 阿根廷 (AR) | 底层清算轨道: card_network
Card
市场普及率: 60%
Tarjeta Naranja 是阿根廷发卡量最大的本土信用卡品牌及数字金融平台（Naranja X），以标志性的 Plan Z 零息分期计划和下沉市场极高持卡率为核心优势，广泛用于全国零售网购、日常分期消费及各类线上订阅。
🔄 用户付款交互流 (User Flow)
- Customer selects Tarjeta Naranja at merchant checkout
- Customer enters 16-digit Naranja card number, expiration date, CVV, and selects installment plan (Plan Z / Cuotas)
- Customer completes 3D Secure / OTP SMS authentication if prompted
- Transaction is authorized instantly and charged to customer account
⚙️ 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 payment form captures encrypted card token via gateway (dLocal / Payway / Kushki / PayU)
- Gateway authorizes transaction with Naranja card network and applies installment interest rules
- Gateway returns authorization code and triggers webhook for merchant order processing
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayU🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 EBANX