Hipercard
国家/地区: 巴西 (BR) | 底层清算轨道: card_network
Card
市场普及率: 30%
Hipercard 是巴西本土主流的信用卡支付网络（隶属于 Itaú Unibanco 银行），在巴西东北部及全国零售信用卡市场中占有重要地位，以本国透支消费、分期付款（Parcelamento）和支持卡代扣为特色，广泛用于超市零售、电商分期购、订阅扣款及日常消费。
🔄 用户付款交互流 (User Flow)
- Customer enters Hipercard number, CVV, and selects installment plan (Parcelas) at checkout
- Checkout presents 3DS SMS authentication page or Itaú app verification
- Customer enters security code to authorize transaction
- Hipercard processes credit transaction and redirects back to merchant
⚙️ 支付与结算特征
| 即时清算 | NO |
| 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 calls card acquiring gateway API with Hipercard payload
- PSP requests card network authorization
- PSP triggers merchant order success webhooks upon credit switch approval