Fatourati
国家/地区: 摩洛哥 (MA) | 底层清算轨道: bank_clearing
OnlineBanking
市场普及率: 70%
Fatourati 是摩洛哥 CMI 运营的国家级多银行直连账单支付与网银代扣系统，以连接摩洛哥全部商业银行网银、手机银行及 ATM 为核心优势，广泛用于公用事业缴费、学费缴纳、电信账单及电商大额结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Fatourati at merchant checkout
- Customer chooses participating Moroccan bank (Attijariwafa, BCP, BMCE, CIH, Crédit du Maroc, etc.)
- Customer signs into bank online portal or mobile banking app with OTP verification
- Customer approves direct account debit and receives immediate confirmation
⚙️ 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 API creates Fatourati bill reference through acquiring gateway (dLocal / CMI)
- Gateway generates unique invoice code and redirects customer to bank authentication
- Gateway receives real-time bank clearing notification and updates merchant order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal🔌 PayTabs