PesaLink
国家/地区: 肯尼亚 (KE) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 45%
PesaLink 是肯尼亚银行家协会（KBA / Integrated Payment Services Limited）运营的国家级即时跨行电子清算系统，在肯尼亚大额商业转账、网银直连及跨行即时付款中占据核心地位，以 24/7 秒级清算、覆盖全肯尼亚 30 余家商业银行和高交易额度为特色，广泛用于企业采购、大额电商支付及公对公结算。
🔄 用户付款交互流 (User Flow)
- Customer selects PesaLink at checkout and chooses their Kenyan bank
- Checkout opens bank online portal or prompts for account reference
- Customer verifies transaction details and approves via mobile banking PIN / OTP
- PesaLink clears interbank transfer in seconds and confirms merchant payment
⚙️ 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 PesaLink session token
- PSP issues payment token and PesaLink bank transfer string
- PSP receives PesaLink interbank clearing webhook notification and confirms order status