CIMB Bank (CIMB Clicks)
国家/地区: 马来西亚 (MY) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 45%
CIMB Bank（联昌国际银行）是马来西亚第二大全能商业银行及东盟领先的金融集团，在马来西亚个人网银、CIMB Clicks 平台及跨境对公结算中占有核心地位，以流畅的网银直连、即时扣款与多币种结算为特征，广泛用于在线电商结账、企业资金管理、SaaS 订阅及日常网银转账。
🔄 用户付款交互流 (User Flow)
- Customer selects CIMB Clicks at merchant checkout
- Checkout redirects to CIMB Clicks online banking portal
- Customer logs in with User ID and authorizes via SecureTAC
- CIMB Bank debits account and returns payment status to merchant
⚙️ 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 calls payment API for CIMB checkout session
- PSP issues payment token and CIMB Clicks link
- PSP receives CIMB clearing callback and updates merchant order