TransfiYa
国家/地区: 哥伦比亚 (CO) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 40%
TransfiYa 是哥伦比亚 ACH 机构推出的国家级手机号即时跨行转账与电子支付清算网络，在哥伦比亚银行账户与电子钱包间的实时资金互通中占有重要地位，以全天候秒级清算、手机号直连转账与零卡槽依赖为特色，广泛用于个人跨行汇款、商户扫码付及在线付款。
🔄 用户付款交互流 (User Flow)
- Customer selects TransfiYa at merchant checkout and inputs mobile phone number
- TransfiYa sends instant transfer request to customer's mobile banking app
- Customer approves request in their bank app within 12 hours
- TransfiYa clears funds in real time and notifies 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 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway to request TransfiYa payment session
- PSP issues payment token and TransfiYa mobile payload
- PSP receives ACH TransfiYa clearing callback and updates merchant order status