SPEI
国家/地区: 墨西哥 (MX) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 85%
SPEI 是墨西哥中央银行（Banxico）运营的国家级即时电子银行转账系统，在墨西哥网银转账、大额商业清算与个人间即时支付中占据主导地位，以 24/7 全天候秒级清算、全网商业银行直连与 CLABE 账号精准匹配为优势，广泛用于电商在线购物、企业转账、B2B 贸易及公用事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects SPEI at merchant checkout
- Checkout generates a unique 18-digit CLABE virtual account number
- Customer logs into their Mexican bank mobile app / online banking and initiates SPEI transfer to the CLABE
- Banxico SPEI clears funds in seconds and confirms merchant 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 requests SPEI CLABE session from acquiring gateway
- PSP issues payment token and CLABE account string
- PSP receives Banxico SPEI clearing notification webhook and updates order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 PayU🔌 通联支付🔌 连连数字🔌 Payoneer🔌 Skyee🔌 PingPong🔌 Nuvei🔌 万里汇🔌 EBANX🔌 易宝支付