Riverty (AfterPay NL)
国家/地区: 荷兰 (NL) | 底层清算轨道: bnpl
BNPL
市场普及率: 35%
Riverty（原 AfterPay）是贝塔斯曼集团旗下在荷兰及荷比卢地区广泛使用的账单后付与先买后付（BNPL）平台，在荷兰本土零售商户收单与无感消费金融中占有重要地位，以凭发票 14/30 天延期支付、消费信任度高和支持分期自动扣款为特色，广泛用于电商网购付款、图书零售及网络服务续费。
🔄 用户付款交互流 (User Flow)
- Customer selects Riverty (AfterPay) at checkout
- Customer enters personal identity details and confirms order
- Riverty performs real-time credit validation and issues 14-day invoice
- Merchant receives 100% order payout and Riverty collects payment from customer via invoice
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway (Adyen / Mollie / Riverty API) for session payload
- PSP issues payment token and Riverty checkout payload
- PSP receives Riverty clearing webhook notification and confirms order status