Paytm
国家/地区: 印度 (IN) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 15%
Paytm 是印度主流的数字钱包和综合金融服务平台，以私有钱包余额和内嵌 UPI 双轨支付为核心，广泛用于线上消费、水电缴费及日常转账。
🔄 用户付款交互流 (User Flow)
- Merchant displays checkout and customer selects Paytm
- Customer enters their Paytm registered mobile number
- Customer enters Paytm wallet PIN to authorize deduction
- Wallet balance is instantly deducted and merchant receives confirmation
⚙️ 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 initiates charge request to PSP
- PSP triggers Paytm wallet authorization window
- PSP processes deduction and callbacks merchant endpoint with status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Razorpay