ShopeePay
国家/地区: 印度尼西亚 (ID) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 65%
ShopeePay 是东南亚电商巨头 Sea Group 旗下在越南运营的电子钱包（前身为 AirPay），在越南电商购物与移动支付市场中拥有极高渗透率，以电商生态无缝集成、免密支付和支持周期性扣款为优势，广泛用于电商消费、应用内购买及数字订阅。
🔄 用户付款交互流 (User Flow)
- Customer selects ShopeePay at merchant checkout
- Checkout opens ShopeePay app or Shopee app checkout page
- Customer selects wallet balance or linked bank card
- Customer enters ShopeePay passcode to authorize transaction
- ShopeePay settles payment instantly and redirects customer back
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls payment creation API for ShopeePay checkout session
- PSP issues payment token and dynamic QR/deep link
- PSP triggers payment success webhook callbacks upon ShopeePay clearance
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 Antom🔌 Coda Payments🔌 DOKU🔌 iPayLinks🔌 Xendit🔌 Midtrans