Bank Transfer (NIP)
国家/地区: 尼日利亚 (NG) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 50%
NIP 是尼日利亚央行推动的实时银行即时转账系统，以跨行极速结算和高交易成功率为核心，广泛用于线上支付、个人转账及企业收款。
🔄 用户付款交互流 (User Flow)
- Merchant checkout generates a temporary dynamic bank account transfer instruction
- Customer copies the temporary bank account number and bank name (e.g. Providus Bank)
- Customer exits checkout, logs into their local Nigerian banking app or dials USSD bank transfer code
- Customer transfers the exact checkout amount to the allocated virtual account number
⚙️ 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 | NO |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant requests dynamic payment account generation from PSP
- PSP allocates a virtual account under NIP clearing network
- PSP receives immediate NIBSS clearance credit and webhooks captured notification to merchant
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 PayU🔌 连连数字🔌 Payoneer🔌 dLocal🔌 PingPong🔌 Airwallex🔌 Adyen🔌 Paystack