Bankomat Card
国家/地区: 奥地利 (AT) | 底层清算轨道: card_network
Card
市场普及率: 22%
Bankomat 是奥地利国家级的借记卡结算网络与收单基础设施，以绑定奥地利商业银行账户和芯片/非接刷卡为核心，广泛用于奥地利境内 ATM 取现、实体商户零售及本地线上借记卡结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Debit Card (Bankomat) at merchant checkout
- Customer inputs 16-digit card number, expiration date, and CVV
- Customer completes 3D Secure biometric confirmation via their Austrian mobile banking app
- Bank verifies and authorizes payment instantly
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant sends card details via PSP gateway
- PSP triggers 3D Secure 2.0 challenge flow with Austrian issuing bank
- PSP receives authorization token and captures payment
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen