PSE (Pagos Seguros en Línea)
国家/地区: 哥伦比亚 (CO) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 85%
PSE（Pagos Seguros en Línea）是哥伦比亚 ACH 机构运营的全国性网银跳转支付系统，在哥伦比亚在线电商购物、账单缴纳与企业公对公清算中占据统治地位，以覆盖哥伦比亚全网商业银行、网银 App 瞬间鉴权和高交易成功率成名，广泛用于电商网购支付、SaaS 服务购买、学费缴纳及水电煤缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects PSE at merchant checkout and chooses their bank (e.g. Bancolombia, Davivienda, Banco de Bogotá)
- Checkout redirects customer to the official PSE portal and bank login screen
- Customer verifies transaction details and approves transfer via online banking PIN / OTP
- ACH Colombia PSE clears funds 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) | NO |
| 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 to request PSE checkout session
- PSP issues payment token and PSE bank redirect URL
- PSP receives ACH Colombia clearing webhook notification and updates order status