AT Money (AirtelTigo Money Ghana)
国家/地区: 加纳 (GH) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 15%
AT Money（原 AirtelTigo Money）是加纳主流的电信移动电子钱包与数字金融服务平台，在加纳移动通信用户群体及便民支付中占据重要地位，以手机号账户直连、全网 MMI 移动互通和支持订阅自动代扣为优势，广泛用于话费充值、移动在线消费、SaaS 软件续费及小额汇款。
🔄 用户付款交互流 (User Flow)
- Customer selects AT Money (AirtelTigo) at checkout and inputs phone number
- Customer receives USSD push prompt on their mobile device
- Customer enters AT Money PIN to confirm payment
- AT Money clears wallet balance and returns instant payment token to merchant
⚙️ 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 API calls acquiring gateway for AT Money session token
- PSP issues payment token and USSD push payload
- PSP receives clearing webhook notification and confirms order status