FPX
国家/地区: 马来西亚 (MY) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 50%
FPX 是马来西亚主流的在线网银直连转账系统，由马来西亚国家网联支付系统 PayNet 运营，广泛用于线上零售消费、账单缴费及各类互联网交易支付。
🔄 用户付款交互流 (User Flow)
- Customer selects FPX at merchant checkout
- Customer chooses their preferred retail or corporate bank from the list
- Checkout redirects customer to the chosen bank's secure online portal
- Customer logs in, enters TAC/OTP code to authorize transaction
- Bank executes direct debit and redirects customer back to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 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 gateway API requesting FPX payment
- Gateway provides bank selection redirect URL
- Gateway triggers success notification callback after receiving bank clearing payload
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 iPay88🔌 2C2P🔌 Checkout.com🔌 Antom🔌 汇付天下🔌 通联支付🔌 连连数字🔌 Payoneer🔌 嘉联支付🔌 Skyee🔌 Coda Payments🔌 dLocal🔌 PingPong🔌 iPayLinks🔌 Stripe🔌 Airwallex🔌 Adyen🔌 万里汇🔌 易宝支付