Servipagos
国家/地区: 厄瓜多尔 (EC) | 底层清算轨道: closed_loop_wallet
Cash
市场普及率: 12%
Servipagos 是厄瓜多尔覆盖全境的线下现金代收与代理银行网络，以凭证条码现金缴费和无卡存付为核心，广泛用于电商现金代收、公用事业缴费及无银行卡人群消费。
🔄 用户付款交互流 (User Flow)
- User selects Cash Voucher / Servipagos at online checkout
- Merchant generates payment voucher slip with barcode and unique reference code
- User visits any Servipagos branch, pharmacy (Cruz Azul, SanaSana), or Red Facilito agent
- User presents voucher code and pays in cash (USD)
- Agent prints physical receipt and payment confirmation updates immediately
⚙️ 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 registers cash payment request via aggregator API (dLocal, Kushki, EBANX)
- Customer deposits cash at local Servipagos agency
- Network confirms cash collection and triggers webhook callback
- Merchant releases order and dispatches goods
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal🔌 Kushki