Bancontact
国家/地区: 比利时 (BE) | 底层清算轨道: card_network
Card
市场普及率: 50%
Bancontact 是比利时国家级的借记卡支付网络与市场主导者，以全行覆盖的借记卡直连和 3DS 安全认证为核心，广泛用于比利时线下 POS 刷卡、线上电商结算及跨境商户收单。
🔄 用户付款交互流 (User Flow)
- Consumer selects Bancontact at merchant checkout
- Consumer enters 16-digit Bancontact card details or scans QR code with Bancontact mobile app
- Consumer authenticates payment via card reader Digipass, 3D Secure, or mobile biometric confirmation
- Issuing bank approves transaction in real-time and redirects consumer to order confirmation page
⚙️ 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 creates payment intent via integrated PSP (Stripe, Adyen, Mollie)
- PSP renders Bancontact hosted checkout or QR payment modal
- PSP receives synchronous settlement notification from Bancontact network and confirms order
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen