Webpay Plus (Transbank)
国家/地区: 智利 (CL) | 底层清算轨道: card_network
OnlineBanking
市场普及率: 90%
Webpay Plus（Transbank 旗下网银与卡清算门户）是智利最核心的国家级在线支付网关，在智利借记卡（Redcompra）与信用卡电商清算市场中占据统治地位，以覆盖全智利金融机构、网银 App/卡片瞬间鉴权和支持 Webpay OneClick 自动代扣为核心优势，广泛用于电商网购支付、SaaS 服务订阅、学费缴纳及水电公用事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Webpay Plus at checkout and chooses card or bank transfer (Redcompra)
- Checkout redirects customer to Transbank's official Webpay payment portal
- Customer enters card details or approves via issuer bank authentication app
- Transbank clears payment in real-time 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 API calls acquiring gateway (dLocal / Stripe / Transbank Webpay API) for session token
- PSP issues payment token and Webpay redirect URL
- PSP receives Transbank clearing webhook notification and confirms order status