GPN Debit Card
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: card_network
Card
市场普及率: 40%
GPN 是印尼央行推出的国家借记卡支付网络，以本地网联清算和低商户费率为核心，广泛用于线下刷卡消费、ATM 取现及本地线上交易。
🔄 用户付款交互流 (User Flow)
- Customer enters GPN debit card number and expiry at checkout
- Customer is redirected to their Indonesian issuing bank 3DS page
- Customer enters the SMS OTP received on their mobile phone
- Issuing bank validates the OTP and clears transaction
⚙️ 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 initiates charge via local acquirer API
- Merchant handles 3DS secure redirect
- Merchant receives success webhook from card processor
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Midtrans