ABA Pay
国家/地区: 柬埔寨 (KH) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 30%
ABA Pay 是柬埔寨最大商业银行 ABA Bank 推出的移动数字钱包与即时扫码支付产品，以高度普及的手机银行直连和 KHQR 扫码为核心，广泛用于柬埔寨城市商户收单、餐饮零售消费、线上独立站结算及水电缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects ABA Pay at checkout on web or mobile
- On mobile, the system deep links into ABA Mobile app; on desktop, displays ABA KHQR code
- Customer authenticates in ABA Mobile app with 4-digit PIN or biometrics
- Funds are immediately transferred in USD or KHR to merchant account
- Order is verified instantly on merchant checkout screen
⚙️ 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 calls ABA Pay Merchant API or PSP gateway
- System creates payment transaction and returns deep link / QR code
- ABA Pay clearing engine fires real-time webhook callback to merchant upon completion
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 2C2P🔌 Antom