Baloto
国家/地区: 哥伦比亚 (CO) | 底层清算轨道: cash_network
Cash
市场普及率: 35%
Baloto（Via Baloto）是哥伦比亚广泛分布的彩票与连锁零售线下现金代收网络，在哥伦比亚离线账单支付与便利店现金结算中占据重要地位，以遍布街头巷尾的彩票投注站终端、账单码即时付和零银行门槛为特色，广泛用于电商订单离线付款、水电煤缴费及博彩充值。
🔄 用户付款交互流 (User Flow)
- Customer selects Baloto / Via Baloto at merchant checkout
- Checkout generates Baloto reference agreement code
- Customer visits any Via Baloto lottery terminal outlet in Colombia
- Customer provides code to cashier and pays physical cash
- Via Baloto system notifies merchant of cash receipt
⚙️ 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 Baloto reference code
- PSP issues payment token and Baloto bill code
- PSP receives Baloto terminal payment confirmation webhook callback