Paylib / Wero (France)
国家/地区: 法国 (FR) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 50%
Paylib（正在全面迁移整合至 Wero）是法国六大主流商业银行联合推出的国家级移动数字电子钱包，在法国人际实时转账与移动无感支付中占据重要地位，以手机号即时划转、银行 App 零摩擦鉴权和零手续费为优势，广泛用于个人间实时转账、在线电商购物及移动快捷支付。
🔄 用户付款交互流 (User Flow)
- Customer selects Paylib / Wero at checkout
- Customer approves transaction via French mobile banking app (BNP Paribas, Crédit Agricole, Societe Generale)
- Bank clears funds instantly via real-time interbank network
- Customer is redirected back to merchant site with immediate order confirmation
⚙️ 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 API calls acquiring gateway for Paylib / Wero session token
- PSP issues payment token and bank deep link payload
- PSP receives Paylib clearing webhook notification and confirms order status