CoDi (Cobro Digital)
国家/地区: 墨西哥 (MX) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 30%
CoDi（Cobro Digital）是墨西哥中央银行依托 SPEI 底层开发的国家级二维码与 NFC 零手续费即时支付标准，在墨西哥移动网银扫码与小额无现金消费中占据重要地位，以零交易手续费、手机 App 极速扫码和银行账户秒级直扣为优势，广泛用于线下零售扫码付、便民消费及电商网页付款。
🔄 用户付款交互流 (User Flow)
- Customer selects CoDi at merchant checkout
- Checkout presents CoDi dynamic QR code or pushes NFC payment request
- Customer opens their Mexican bank app and scans CoDi QR code
- Customer verifies transaction details and authorizes instant bank transfer
- Banxico clears funds via SPEI instantly and confirms payment
⚙️ 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 API calls acquiring gateway to request CoDi session
- PSP generates CoDi payload and QR string
- PSP receives Banxico CoDi clearing notification and updates order status