Efecty
国家/地区: 哥伦比亚 (CO) | 底层清算轨道: cash_network
Cash
市场普及率: 65%
Efecty 是哥伦比亚最大的全国性线下零售现金代收与汇款网络（覆盖全哥 1 万余家服务点），在哥伦比亚无银行卡人群及离线现金电商支付中占有重要地位，以超高线下门店密度、现金即时履约和凭 Pin 码代收为优势，广泛用于电商订单现金付款、公用事业缴费、话费充值及分期付款。
🔄 用户付款交互流 (User Flow)
- Customer selects Efecty OTC Cash at merchant checkout
- Checkout presents Efecty voucher containing agreement number and PIN reference code
- Customer visits any of 10,000+ Efecty service points in Colombia
- Cashier collects physical cash and issues payment receipt
- Efecty system clears payment and sends electronic notification 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 requests Efecty voucher reference via PayU / dLocal acquiring gateway
- PSP issues payment token and Efecty reference payload
- PSP receives Efecty cashier payment confirmation callback and updates order status