Nagad
国家/地区: 孟加拉国 (BD) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 30%
Nagad 是孟加拉国邮政局主导推出的移动金融服务平台，以超低资费和极速开户为核心，广泛用于政府账单缴费、线下商户支付及日常汇款。
🔄 用户付款交互流 (User Flow)
- Merchant redirects customer to Nagad checkout page
- Customer enters their mobile wallet number
- Customer enters the verification OTP sent via SMS
- Customer enters their security PIN to authorize the wallet transfer
⚙️ 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 initiates charge request to PSP gateway
- Customer submits credentials on Nagad hosted checkout
- PSP triggers validation and hooks capture payload to merchant
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal