Servipag
国家/地区: 智利 (CL) | 底层清算轨道: cash_network
Cash
市场普及率: 70%
Servipag 是智利最大的全国性综合账单缴纳与离线现金代收网络（由 BCI 与 Banco de Chile 联合运营），在智利便民生活缴费、无银行卡人群电商现金付中占据主导地位，以覆盖全智利线下网点、网银聚合清算和凭账单码代收为特色，广泛用于电商订单现金付款、水电煤缴费及学费缴纳。
🔄 用户付款交互流 (User Flow)
- Customer selects Servipag at merchant checkout
- Checkout generates Servipag payment voucher / code
- Customer pays physical cash at any Servipag branch or selects bank online transfer via Servipag portal
- Servipag transmits clearing advice 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 API calls acquiring gateway for Servipag session token
- PSP issues payment token and Servipag voucher code
- PSP receives Servipag clearing webhook callback and updates merchant order status