Lotérica
国家/地区: 巴西 (BR) | 底层清算轨道: cash_network
Cash
市场普及率: 25%
Lotérica（Caixa 彩票便民代收网）是巴西联邦储蓄银行（Caixa）旗下的全国离线现金支付与便民金融网络，在巴西无银行卡人群及现金离线支付领域占有主导地位，以超过 1.3 万家彩票网点分布、现金即时履约和无门槛为优势，广泛用于 Boleto 条形码现金支付、电商订单离线付款及公共事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Lotérica / Boleto Cash at merchant checkout
- Customer prints or saves the Boleto reference voucher with barcode
- Customer visits any Casa Lotérica retail branch in Brazil
- Customer hands reference slip and pays cash to teller
- Lotérica clears transaction and sends clearing notification to merchant
⚙️ 支付与结算特征
| 即时清算 | NO |
| 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 API to generate Boleto reference for Lotérica
- PSP issues payment token and barcode payload
- PSP receives Lotérica teller cash clearing webhook callback