Chapa
国家/地区: 埃塞俄比亚 (ET) | 底层清算轨道: bank_clearing
OnlineBanking
市场普及率: 20%
Chapa 是埃塞俄比亚领先的金融科技聚合支付网关与在线结算平台，在埃塞俄比亚跨境出海商户收单与本土电商开发者生态中处于引领地位，以标准化 RESTful API、聚合多渠道钱包及国际卡一站式收单为核心，广泛用于跨境独立站结账、SaaS 软件计费、众筹平台及数字经济结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Chapa hosted checkout on merchant website
- Customer chooses preferred payment method (Telebirr, CBE Birr, Card, or Bank)
- Customer completes authentication via OTP, PIN, or 3DS verification
- Chapa returns customer to merchant store with verified payment status
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant generates payment session via Chapa Checkout API
- Customer completes checkout on Chapa hosted page
- Chapa dispatches webhook notification and settles funds into merchant account