DeUna
国家/地区: 厄瓜多尔 (EC) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 24%
DeUna 是厄瓜多尔最大商业银行皮钦查银行推出的国民级移动数字钱包，以手机号即时转账和二维码免密扫码为核心，广泛用于日常消费、电商结账及中小商户扫码收款。
🔄 用户付款交互流 (User Flow)
- User selects DeUna at checkout or scans merchant DeUna QR
- User opens DeUna app on smartphone via deep link or camera scan
- User confirms amount and verifies recipient details
- User authorizes payment with FaceID, fingerprint, or PIN
- Funds transfer immediately in USD from linked bank account
⚙️ 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 integrates DeUna via DeUna Negocios API or PSP (Kushki, Payphone)
- Checkout generates dynamic QR code or in-app payment request
- Customer confirms transfer in DeUna mobile app
- Merchant receives instant API callback and funds settle in real-time
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal🔌 Kushki