Nequi
国家/地区: 哥伦比亚 (CO) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 75%
Nequi 是哥伦比亚首屈一指的数字电子钱包与金融科技超级 App（隶属于 Bancolombia 银行），在哥伦比亚年轻消费群体、移动支付与无缝转账市场中占据领军地位，以手机号直连、余额秒级到账与支持账户自动代扣为核心优势，广泛用于电商网购结账、餐饮消费、SaaS 软件订阅及日常便民转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Nequi at merchant checkout
- Checkout opens Nequi mobile app or displays Nequi phone prompt
- Customer receives push notification and enters Nequi passcode or face recognition
- Nequi debits wallet balance and returns instant confirmation token to merchant
⚙️ 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 for Nequi checkout session
- PSP issues payment token and Nequi push payment payload
- PSP receives Nequi clearing callback and updates merchant order status