RuPay Card
国家/地区: 印度 (IN) | 底层清算轨道: card_network
Card
市场普及率: 30%
RuPay 是印度的国家借记卡和信用卡网络，以低收单成本和直连本地清算为核心，广泛用于线上购物、线下刷卡消费及 ATM 取现。
🔄 用户付款交互流 (User Flow)
- Customer enters RuPay card credentials on merchant checkout
- Customer completes 2FA authentication using OTP received via SMS
- Transaction is processed instantly and bank account is debited
⚙️ 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 sends payment parameters to Indian local acquirer gateway
- Acquirer validates transaction via NPCI network
- Merchant receives instant API callback response
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayU🔌 Razorpay