Indomaret
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: bank_clearing
Cash
市场普及率: 25%
Indomaret 是印尼最大的连锁便利店线下现金支付网络，在印尼无银行卡人群及离线现金支付市场中占有主导地位，以超过 2 万家实体门店覆盖、现金即时到账确认和无需银行账户为优势，广泛用于电商网购现金履约、游戏点卡充值及机票预订。
🔄 用户付款交互流 (User Flow)
- Customer selects Indomaret OTC Cash at merchant checkout
- Customer receives a payment reference code / barcode
- Customer visits any Indomaret convenience store nationwide
- Customer shows reference code to cashier and pays physical cash
- Indomaret terminal sends electronic payment clearance alert to merchant
⚙️ 支付与结算特征
| 即时清算 | NO |
| 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 calls payment creation API to generate Indomaret reference session
- PSP issues payment token and reference barcode
- PSP receives Indomaret cashier payment confirmation webhook callback