QRIS
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 85%
QRIS 是印尼央行推出的国家标准二维码支付接口，以统一扫码和跨平台兼容为核心，广泛用于线下零售、线上电商及各类小微商户收款。
🔄 用户付款交互流 (User Flow)
- Merchant displays the generated static or dynamic QRIS QR code on a screen or printer
- Customer opens any local banking application or supported digital wallet
- Customer scans the QRIS code, reviews the payment details, enters their security PIN, and submits the 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 triggers QRIS dynamic generation through PSP API
- Merchant displays QR code to customer
- PSP triggers real-time webhook callback to merchant notification endpoint upon validation
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 iPay88🔌 2C2P🔌 Antom🔌 Coda Payments🔌 DOKU🔌 iPayLinks🔌 Xendit🔌 Adyen🔌 Midtrans🔌 易宝支付