Toss Payments
国家/地区: 韩国 (KR) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 70%
Toss（Viva Republica）是韩国领先的独角兽金融科技数字钱包与新银行平台，在韩国年轻消费群体、秒级跨行转账及创新支付收单中占据核心地位，以极简极速转账、智能账单管理和支持订阅代扣为优势，广泛用于移动电商付款、SaaS 订阅扣款、个人转账及金融理财。
🔄 用户付款交互流 (User Flow)
- Customer selects Toss Payments at merchant checkout
- Checkout opens Toss mobile app or presents Toss Pay QR code
- Customer approves transaction with Toss passcode or face/fingerprint auth
- Toss clears funds from Toss Money balance or linked bank/card account and returns success token
⚙️ 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 payment creation API for Toss Payments session
- PSP issues payment token and Toss Pay link
- PSP receives Toss payment clearing callback and confirms order