Pay-easy (Japan)
国家/地区: 日本 (JP) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 65%
Pay-easy 是日本金融机构与公用事业联合推出的官方网银及 ATM 电子缴费清算系统，在日本公共事业缴费、学费与政府税费结算中占据核心地位，以全日本商业银行网银/ATM 直连、凭 Storage/Customer 号即时鉴权为优势，广泛用于税费缴纳、学费支付、电商网银付款及公共事业结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Pay-easy at checkout and receives Pay-easy payment numbers (Storage Number, Customer Number)
- Customer logs into Japanese online banking app or visits a bank ATM
- Customer enters Pay-easy payment numbers and confirms payment
- Bank clears transaction instantly and notifies merchant
⚙️ 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 calls acquiring gateway for Pay-easy session token
- PSP issues payment token and Pay-easy payment numbers
- PSP receives Pay-easy real-time clearing webhook notification
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen