Maybank (Maybank2u)
国家/地区: 马来西亚 (MY) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 65%
Maybank（马来西亚马来亚银行）是马来西亚市值最大、资产规模第一的国立通用商业银行，在马来西亚网银在线支付、Maybank2u 平台及企业清算中处于龙头地位，以极高用户普及率、安全网银直连与 MAE 数字钱包为优势，广泛用于电商网购支付、大额资金转账、SaaS 软件付款及政企账单缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Maybank / Maybank2u at merchant checkout
- Checkout redirects to Maybank2u online portal or opens MAE app
- Customer logs in with credentials and verifies Secure2u push notification
- Maybank debits account and returns immediate payment confirmation 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 creation API for Maybank checkout session
- PSP issues payment token and Maybank2u gateway URL
- PSP receives Maybank instant clearing callback and updates order status