MyBank (Italy)
国家/地区: 意大利 (IT) | 底层清算轨道: online_banking
RealTimePayment
市场普及率: 40%
MyBank 是欧洲与意大利主流的银行网银直连即时支付方案，在意大利 B2B 电商、大额网购与电子政务中占据重要地位，以网银登录授权、即时资金锁定及无拒付撤单风险为优势，广泛用于中大额电商购物、企业间采购及公用事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects MyBank at checkout and selects their Italian bank
- Customer is redirected to online banking login page
- Customer approves pre-filled wire transfer authorization
- Bank confirms instant authorization to merchant and releases order
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API requests payment URL from gateway (Adyen/Stripe)
- PSP redirects customer to MyBank bank selection gateway
- PSP receives bank confirmation webhook and completes transaction
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen