Telebirr
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: 65%
Telebirr 是埃塞俄比亚电信（Ethio Telecom）推出的国家级主导移动数字钱包与超级应用，在埃塞俄比亚移动支付与无现金普惠金融中处于绝对领先地位，以手机号直连钱包、全国代理网点及全场景数字化支付为核心，广泛用于日常消费付款、水电公用事业缴费、燃油电子支付、交通出行及商户收款。
🔄 用户付款交互流 (User Flow)
- Customer selects Telebirr at merchant checkout
- Checkout opens Telebirr superapp or presents dynamic QR code / USSD prompt
- Customer enters registered mobile number and authorizes transaction via secret PIN or SMS OTP
- Telebirr debits wallet balance instantly and confirms order fulfillment
⚙️ 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 Telebirr API or payment gateway
- Customer completes PIN authorization on Telebirr app or USSD gateway
- Merchant receives instant payment confirmation callback webhook
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal