UPI
国家/地区: 印度 (IN) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 75%
UPI 是印度的实时支付基础设施，以银行账户直连和即时支付为核心，广泛用于线上消费、线下扫码及个人转账。
🔄 用户付款交互流 (User Flow)
- Merchant checkout generates a dynamic UPI QR or triggers UPI Intent redirection
- Customer opens or gets redirected to their UPI payment application (PhonePe, GPay, Paytm)
- Customer confirms the payment amount and enters their secure 4 or 6-digit UPI PIN
- Customer's bank transfers funds instantly to merchant account
⚙️ 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 transaction via PSP UPI endpoint
- PSP triggers intent payload or QR code string
- PSP receives instant clearance hook from NPCI network and triggers order success webhook to merchant
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayU🔌 Checkout.com🔌 Antom🔌 汇付天下🔌 通联支付🔌 连连数字🔌 Payoneer🔌 嘉联支付🔌 Skyee🔌 Razorpay🔌 PingPong🔌 iPayLinks🔌 Nuvei🔌 Airwallex🔌 Adyen🔌 万里汇🔌 易宝支付