Afterpay
国家/地区: 新西兰 (NZ) | 底层清算轨道: bank_clearing
BNPL
市场普及率: 12%
Afterpay 是新西兰占据领先地位的国民级先买后付（BNPL）支付平台，以 4 期两周免息分期和极速授信为核心，广泛用于时尚服饰、美妆个护及数码电商结账。
🔄 用户付款交互流 (User Flow)
- User selects Afterpay at merchant online checkout
- User logs in with mobile number and authorizes initial 25% installment
- Remaining 3 fortnightly installments are scheduled automatically
- Order is confirmed immediately with zero interest charges
⚙️ 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 initiates checkout session via Afterpay Online API or PSP (Stripe, Adyen)
- Afterpay performs real-time credit check and fraud screening
- Upon order capture, Afterpay settles 100% of order value to merchant
- Afterpay handles automated collection of subsequent installments
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen