Bradesco
国家/地区: 巴西 (BR) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 35%
Bradesco（布拉德斯科银行）是巴西主要的国立通用商业银行之一，在巴西零售网银与企业在线支付市场中占据核心地位，以覆盖全台的网银系统、即时扣款与多通道结算为特征，广泛用于电商网购支付、大额资金转账、便民缴费及企业清算。
🔄 用户付款交互流 (User Flow)
- Customer selects Bradesco Online Transfer at merchant checkout
- Checkout opens Bradesco mobile app or online banking portal
- Customer logs in with account credentials and approves transaction via security key
- Bradesco clears funds and redirects customer back to merchant website
⚙️ 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 acquiring API for Bradesco payment session
- PSP issues payment token and Bradesco gateway URL
- PSP receives Bradesco clearing callback and updates merchant order status