Banco Itaú
国家/地区: 巴西 (BR) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 45%
Banco Itaú（伊塔乌联合银行）是巴西及拉丁美洲资产规模最大的私营金融机构，在巴西网银在线支付与对公资金结算中处于龙头地位，以官方网银直连、即时转账确认和极高资金安全为优势，广泛用于在线电商结账、大额对公支付、SaaS 软件付款及政企缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Banco Itaú Online Transfer / Bank Slip at checkout
- Checkout redirects to Itaú bank portal or opens Itaú mobile banking app
- Customer logs in with account credentials and approves via i-Token
- Banco Itaú debits account and returns payment clearance status to merchant
⚙️ 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 calls payment creation API for Itaú checkout session
- PSP issues payment token and Itaú online gateway URL
- PSP receives Itaú clearing callback and updates merchant order status