楽天ペイ (Rakuten Pay)
国家/地区: 日本 (JP) | 底层清算轨道: digital_wallet
QRCodePayment
市场普及率: 55%
楽天ペイ（Rakuten Pay）是日本楽天集团旗下的移动 QR 码支付与电子钱包平台，在日本电商购物与线下商户扫码消费中占据重要地位，以深度绑定楽天积分生态（Rakuten Points）、支持楽天卡与楽天现金充值及覆盖超 500 万线下合作商户为特征，广泛用于楽天市场网购、餐饮娱乐消费及日常积分兑换消费。
🔄 用户付款交互流 (User Flow)
- Customer opens Rakuten Pay app and displays QR code
- Merchant scans QR code or customer scans store QR
- Payment is charged to Rakuten Card, Rakuten Cash, or linked bank account
- Rakuten Points are automatically awarded to customer
⚙️ 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 registers with Adyen for Rakuten Pay acceptance
- PSP generates Rakuten Pay QR / handles in-app redirect
- PSP receives Rakuten Pay clearing webhook and confirms order
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen