South Korea Local Cards
国家/地区: 韩国 (KR) | 底层清算轨道: card_network
Card
市场普及率: 95%
South Korea Local Cards（韩国本土卡网络，涵盖 KB Kookmin, Shinhan, Hyundai, Samsung, Lotte Card）是韩国最主导的无现金支付与消费信贷体系，在韩国个人消费、无利息分期付款（Halbu）及卡代扣市场中占据绝对地位，以高持卡率、本国无利息分期及支持自动卡代扣为核心，广泛用于线下零售、电商分期购、SaaS 订阅及日常消费。
🔄 用户付款交互流 (User Flow)
- Customer selects local card (e.g., Shinhan, KB, Hyundai) and interest-free installment plan (Halbu) at checkout
- Checkout opens card issuer App Card (AppCard) or 3DS authentication modal
- Customer verifies transaction via card PIN or biometric auth
- Korean card switch clears transaction and redirects customer back to merchant
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | NO |
| 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 card acquiring gateway API with Korean card token
- PSP requests domestic card network authorization via VAN / PG
- PSP receives card clearing callback and confirms order