Afterpay (Australia)
国家/地区: 澳大利亚 (AU) | 底层清算轨道: bnpl
BNPL
市场普及率: 70%
Afterpay（诞生于澳大利亚的源生全球 BNPL 领军品牌）是澳大利亚统治级的先买后付与消费金融服务平台，在澳大利亚零售消费与电商购物中占据绝对主导地位，以四期零利息无息分期、秒级核准与绑卡/账户自动扣款为特色，广泛用于时尚服装、零售购物及中大额电商结账。
🔄 用户付款交互流 (User Flow)
- Customer selects Afterpay at checkout
- Customer logs into Afterpay account and approves 4 bi-weekly installments
- Afterpay approves transaction in real-time and debits 25% first installment
- Merchant receives 100% order payout while Afterpay collects remaining 3 installments automatically
⚙️ 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 API calls acquiring gateway (Stripe / Adyen / Afterpay API) for session payload
- PSP issues payment token and Afterpay hosted checkout URL
- PSP receives Afterpay clearing webhook notification and confirms order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen