Bakong (KHQR)
国家/地区: 柬埔寨 (KH) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 55%
Bakong 是柬埔寨国家银行（央行）推出的区块链底层国家级实时支付系统与 KHQR 统一扫码基础设施，以双币种（KHR/USD）即时清算与全金融机构互联互通为核心，广泛用于柬埔寨全境线下扫码消费、线上电商结账、跨行实时转账及跨境扫码支付。
🔄 用户付款交互流 (User Flow)
- Customer selects KHQR / Bakong at checkout or encounters KHQR merchant standee
- Customer opens any participating Cambodian banking app or Bakong wallet
- Customer scans dynamic KHQR code displaying order amount in KHR or USD
- Customer confirms payment with fingerprint / Face ID / PIN
- Funds transfer instantly across interbank blockchain ledger with zero merchant chargeback
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant generates KHQR payload via Bakong Open API or integrated PSP (2C2P, Antom, PayerMax)
- System renders EMVCo-compliant KHQR standard code
- Merchant receives instant settlement notification via webhook from National Bank of Cambodia switch
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 2C2P🔌 Antom