LankaPay JustPay
国家/地区: 斯里兰卡 (LK) | 底层清算轨道: bank_clearing
OnlineBanking
市场普及率: 20%
LankaPay JustPay 是斯里兰卡国家支付网络 LankaPay 推出的低费率零售网银直连与一键账户扣款系统，以直连斯里兰卡各大商业银行储蓄账户和极低交易手续费为核心，广泛用于电商在线结算、公用事业水电气缴费及小额高频移动支付。
🔄 用户付款交互流 (User Flow)
- Customer selects LankaPay JustPay / Bank Transfer at checkout
- Customer selects their Sri Lankan bank (BOC, Commercial Bank, HNB, Sampath, People Bank)
- Customer enters account details and approves debit via banking app 2FA / OTP
- LankaPay CEFT executes instant account debit and notifies merchant immediately
⚙️ 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 checkout passes transaction request to gateway (PayHere / DirectPay)
- Gateway initiates JustPay direct bank transfer protocol
- LankaPay switch provides instantaneous irrevocable settlement confirmation