Airtel Money
国家/地区: 印度 (IN) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 15%
Airtel Money（Airtel Payments Bank）是印度电信巨头 Bharti Airtel 推行的支付银行数字电子钱包，在印度移动通信用户群、三四线城市普惠金融及移动消费中占据重要地位，以手机号账户直连、全网 UPI/二维码兼容和支持账户自动代扣为特色，广泛用于话费充值、电商网购付款、SaaS 软件订阅及日常生活缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Airtel Money at merchant checkout
- Checkout opens Airtel Thanks app or displays Airtel Money OTP prompt
- Customer inputs 4-digit Airtel Bank mPIN or OTP to authorize payment
- Airtel Payments Bank debits wallet and returns instant clearing token to merchant
⚙️ 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 API calls acquiring gateway for Airtel Money session token
- PSP issues payment token and Airtel Money redirect URL
- PSP receives clearing webhook notification and confirms order status