BCA OneKlik
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: bank_clearing
DirectDebit
市场普及率: 50%
BCA OneKlik 是印尼最大私营银行中亚银行（BCA）推出的直连借记与免密一键扣款服务，以银行卡绑定和单次授权无跳转极速支付为核心，广泛用于电商平台充值、日常小额消费及定期自动扣费。
🔄 用户付款交互流 (User Flow)
- Customer registers BCA Paspor debit card number and sets daily transaction limit during initial binding
- Customer enters OTP sent via SMS to verify BCA account ownership
- For subsequent transactions, customer selects BCA OneKlik and pays in 1 click without leaving merchant app
- Bank account balance is deducted immediately
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant initiates OneKlik registration and tokenization via BCA API or gateway
- Customer completes token activation
- Merchant executes recurring or one-click charge API using stored token
- BCA confirms deduction and returns instantaneous settlement status