Net Banking (India Interbank NetBanking)
国家/地区: 印度 (IN) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 40%
Net Banking（印度网银直连跳转，涵盖 SBI、HDFC、ICICI、Axis、Kotak 等银行）是印度各商业银行联合提供的线上网银门户即时转账服务，在印度大额在线消费、B2B 商业交易及公对公付款中占据核心地位，以覆盖全印度所有主流商业银行、网银账号密码鉴权与支持 e-NACH 周期性代扣为特色，广泛用于大额电商购物、企业采购、学费缴纳及 SaaS 订阅。
🔄 用户付款交互流 (User Flow)
- Customer selects Net Banking at checkout and chooses their bank (e.g. SBI, HDFC, ICICI, Axis)
- Checkout redirects customer to their bank's official Net Banking portal
- Customer logs in with NetBanking User ID and password, verifying via SMS OTP
- Bank clears funds and redirects customer back to merchant website with success status
⚙️ 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 API calls acquiring gateway (Razorpay / PayU) for NetBanking session
- PSP issues payment token and NetBanking portal redirect URL
- PSP receives bank clearing callback and updates merchant order status