Khipu
国家/地区: 智利 (CL) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 60%
Khipu 是智利领军的网银直连与即时电子银行转账支付平台，在智利银行账户间极速支付、大额电商清算与无卡网购结账中占据重要地位，以无需信用卡、全网商业银行直连与网银密码瞬间鉴权为特色，广泛用于大额电商购物、B2B 采购、公用事业缴费及网络服务付费。
🔄 用户付款交互流 (User Flow)
- Customer selects Khipu at checkout and chooses their Chilean bank (e.g. Banco de Chile, Santander, BCI)
- Checkout opens Khipu bank transfer interface
- Customer logs in with online banking credentials and confirms transfer
- Khipu validates instant transfer and redirects customer back to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway for Khipu checkout session
- PSP issues payment token and Khipu redirect URL
- PSP receives Khipu bank clearing callback and updates merchant order status