Redsys (Spain)
国家/地区: 西班牙 (ES) | 底层清算轨道: card_processing
Card
市场普及率: 80%
Redsys 是西班牙处理超过 80% 本地银行卡交易的国民级卡组织网络与清算网关，在西班牙电商与 POS 零售终端中占据基石地位，以兼容西班牙本地卡种、3D Secure 2.0 高级防欺诈与极高授权成功率为优势，广泛用于各类在线购物、机票酒店预订及订阅服务收单。
🔄 用户付款交互流 (User Flow)
- Customer enters credit/debit card details on Redsys secure checkout
- Customer completes 3D Secure 2.0 authentication via issuing bank app
- Redsys processes card authorization and confirms payment to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant server sends authorization request to Redsys gateway
- Redsys verifies 3DS token with issuing bank
- Merchant receives instant authorization response and completes transaction
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen