Public Bank (PBe)
国家/地区: 马来西亚 (MY) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 40%
Public Bank（大众银行）是马来西亚主要的私营商业银行之一，在马来西亚华裔客群、零售网银及中小企业金融中占据核心地位，以稳健的风控体系、PBe 个人网银直连和高用户粘性为优势，广泛用于电商网购结账、房屋车贷扣款、企业对公支付及日常转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Public Bank PBe at merchant checkout
- Checkout opens PBe online banking portal
- Customer logs in with credentials and verifies PB SecureSign OTP
- Public Bank clears transaction and returns immediate 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 creation API for Public Bank session
- PSP issues payment token and PBe gateway URL
- PSP receives Public Bank clearing callback and updates order status