PicPay
国家/地区: 巴西 (BR) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 100%
PicPay 是巴西主流的数字钱包和移动支付平台，以扫码支付和社交金融互动为核心，广泛用于个人间免息转账、商户消费及在线账单缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects PicPay as the payment method at merchant checkout
- Checkout redirects customer to PicPay app or displays PicPay QR Code
- Customer logs in to PicPay app, reviews transaction and authorizes payment
- PicPay clears transaction instantly 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 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant requests PicPay payment creation with redirect URL and amount
- Merchant redirects customer or displays PicPay QR Code on desktop
- PicPay sends immediate webhook payment confirmation callback to merchant server
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal