Faster Payments Scheme (UK)
国家/地区: 英国 (GB) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 90%
Faster Payments Scheme 是英国国家级的 24/7/365 秒级即时跨行电子清算系统，在英国零售银行转账、商业清算与即时支付中占据主导地位，以秒级到账、全英国商业银行覆盖及零中介环节为优势，广泛用于即时个人转账、在线电商结账、公用事业缴费及商家快速结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Faster Payments at checkout
- Customer uses UK mobile banking app to scan QR or initiate sort-code / account number transfer
- Payment completes in seconds across UK commercial banks
- Merchant receives instant payment confirmation callback
⚙️ 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 requests payment session token from acquiring gateway
- PSP issues payment token and sort code / account number virtual payload
- PSP receives Faster Payments real-time clearing webhook notification