NAVER Pay
国家/地区: 韩国 (KR) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 85%
NAVER Pay 是韩国搜索引擎与电商巨头 NAVER 旗下的数字电子钱包与在线支付服务，在韩国移动电商网购、搜索结账与数字内容消费领域处于领军地位，以 NAVER 购物生态深度绑定、高额 Naver Point 积分返现及支持自动续费扣款为特色，广泛用于 Naver Shopping 网购、SaaS 软件订阅、游戏充值及线上服务。
🔄 用户付款交互流 (User Flow)
- Customer selects NAVER Pay at merchant checkout
- Checkout opens NAVER app or displays NAVER Pay login page
- Customer verifies transaction total and approves via 6-digit NAVER Pay password or biometric auth
- NAVER Pay clears balance / card payment and redirects customer back to merchant
⚙️ 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 API calls acquiring gateway to request NAVER Pay session
- PSP issues payment token and NAVER Pay redirect URL
- PSP receives NAVER Pay clearing callback and updates merchant order status