iPay Sri Lanka
国家/地区: 斯里兰卡 (LK) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 8%
iPay 是斯里兰卡大型金融集团 LOLC 推出的移动支付与多银行账户聚合应用，以直连全岛多家商业银行和即时资金转账为核心，广泛用于斯里兰卡商户付款、过桥贷款还款、税费缴纳及日常生活消费。
🔄 用户付款交互流 (User Flow)
- Customer selects iPay at checkout or scans merchant iPay QR
- Customer logs into iPay app and chooses which linked bank account to debit
- Customer verifies transaction details and authorizes with biometrics / PIN
- Funds are cleared through JustPay network instantly
⚙️ 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 creates payment order with iPay Merchant Portal / PSP
- iPay coordinates with LankaPay network for bank account pull
- Merchant receives instant confirmation and automated daily settlement