LANKAQR
国家/地区: 斯里兰卡 (LK) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 45%
LANKAQR 是斯里兰卡央行（CBSL）主导推出的国家级统一二维码支付标准与实时清算网络，以连接全斯里兰卡商业银行与持牌钱包 App 扫码互联互通为核心，广泛用于斯里兰卡全境中小商户线下收单、线上电商结账及便民缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects LANKAQR at checkout or scans LANKAQR standee at merchant counter
- Customer opens any participating Sri Lankan mobile banking or wallet app (Flash, Q+, FriMi, Genie, eZ Cash)
- Customer scans dynamic or static QR code and verifies invoice amount in LKR
- Customer approves transaction with biometric authentication or secret PIN
- Real-time funds transfer executes through LankaPay clearing network with immediate SMS receipt
⚙️ 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 displays LANKAQR code via POS, dynamic web interface, or static QR
- LankaPay switch routes transaction synchronously to buyer bank/wallet
- Merchant receives real-time settlement notification callback