PayNet
国家/地区: 墨西哥 (MX) | 底层清算轨道: cash_network
Cash
市场普及率: 35%
PayNet 是墨西哥主流的连锁零售线下现金代收聚合网络（覆盖 7-Eleven、Circle K、Farmacias del Ahorro、Walmart 等），在墨西哥零售便利店现金清算与在线账单支付中占有重要地位，以跨多家连锁超市覆盖、条形码扫码履约和现金即时打款为特色，广泛用于电商订单现金付款、公用事业缴费及网络服务续费。
🔄 用户付款交互流 (User Flow)
- Customer selects PayNet at merchant checkout
- Checkout presents PayNet barcode voucher
- Customer visits any participating retail store (7-Eleven, Farmacias del Ahorro, Circle K)
- Cashier scans barcode and customer pays physical cash
- PayNet transmits electronic payment confirmation back to merchant
⚙️ 支付与结算特征
| 即时清算 | NO |
| 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 Openpay / acquiring gateway for PayNet voucher session
- PSP issues payment token and PayNet barcode image URL
- PSP receives PayNet cashier clearing callback and updates merchant order status