Amole
国家/地区: 埃塞俄比亚 (ET) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 12%
Amole 是埃塞俄比亚达申银行（Dashen Bank）与 Moneta 科技联合打造的数字钱包与全渠道支付平台，在埃塞俄比亚私营银行数字金融与线上商户收单领域处于领先地位，以丰富的第三方商户生态、电子票务直连及开放 API 接口为核心，广泛用于电商购物、机票与活动门票订购、水电缴费及工资代发。
🔄 用户付款交互流 (User Flow)
- Customer selects Amole at checkout
- Checkout opens Amole payment gateway or prompts for Amole wallet phone number
- Customer enters PIN or OTP received via SMS
- Amole deducts wallet balance and completes transaction immediately
⚙️ 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 creates payment intent via Amole / Dashen Bank merchant API
- Customer authenticates and confirms payment on Amole interface
- Dashen Bank sends payment confirmation webhook to merchant