Samsung Pay
国家/地区: 韩国 (KR) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 80%
Samsung Pay 是三星电子在其智能手机上推出的移动支付与电子钱包服务，在韩国实体线下 POS 磁条/NFC 刷卡及线上快捷支付中占有重要地位，以 MST 磁条模拟专利技术、高线下普及率和指纹/面容极速验证为特色，广泛用于线下零售店消费、公交出行及电商一键结账。
🔄 用户付款交互流 (User Flow)
- Customer selects Samsung Pay at merchant checkout
- Checkout triggers Samsung Pay app / biometric authentication modal
- Customer scans fingerprint or Iris to authorize payment
- Samsung Pay transmits tokenized credit card data to merchant gateway and confirms transaction
⚙️ 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 acquiring API to request Samsung Pay checkout session
- PSP issues payment token and Samsung Pay authentication payload
- PSP receives card switch authorization callback and updates merchant order status