NQR (NIBSS QR Code)
国家/地区: 尼日利亚 (NG) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 25%
NQR（NIBSS National QR Code）是尼日利亚中央银行（CBN）与 NIBSS 发布的国家级统一二维码支付解决方案，在尼日利亚线下商户扫码与移动网银一键支付中处于主导地位，以零卡槽依赖、跨银行即时清算和低收单手续费为核心，广泛用于线下零售店消费、电商网页扫码付及公用事业缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects NQR Code at merchant checkout
- Checkout displays NQR dynamic barcode
- Customer opens any participating Nigerian bank mobile app or wallet app to scan NQR code
- Customer enters mobile banking PIN to authorize instant payment
- NIBSS NQR clears transaction immediately and confirms 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 API calls acquiring gateway to request NQR session
- PSP issues NQR payload and image string
- PSP receives NIBSS NQR instant clearing callback and updates merchant order status