Kredivo
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: bank_clearing
BNPL
市场普及率: 60%
Kredivo 是印尼领先的先买后付（BNPL）与数字信贷平台，以即时额度审批和灵活分期为核心，广泛用于电商购物、机票酒店预订及线下零售分期。
🔄 用户付款交互流 (User Flow)
- Customer selects Kredivo at merchant checkout
- Customer redirects to Kredivo checkout page or mobile app
- Customer selects preferred installment tenor (30 days, 3, 6, or 12 months)
- Customer enters registered mobile phone and OTP/PIN to authorize credit deduction
- Merchant receives instant order confirmation upon authorization
⚙️ 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 backend initiates payment checkout request to PSP or Kredivo API
- Customer completes BNPL authorization on Kredivo
- Kredivo notifies merchant via webhook callback with payment status
- Merchant captures transaction and fulfills order