PhonePe
国家/地区: 印度 (IN) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 45%
PhonePe 是印度领先的数字支付和金融科技平台，以直连 UPI 清算网络为核心，在印度 UPI 扫码与转账市场中占有最大份额，广泛用于线上消费、生活缴费及个人间即时汇款。
🔄 用户付款交互流 (User Flow)
- Customer chooses PhonePe at merchant checkout
- Checkout redirects to PhonePe app or prompts with UPI collect request
- Customer reviews transaction details and authorizes payment using UPI PIN
- NPCI clears transaction in real-time and customer is redirected 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 to request PhonePe UPI transaction
- PSP triggers collect request or QR code
- PSP triggers real-time payment webhook callback once NPCI confirms clears
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Razorpay