EFTPOS NZ
国家/地区: 新西兰 (NZ) | 底层清算轨道: card_network
Card
市场普及率: 20%
EFTPOS 是新西兰历史悠久的国家级借记卡网络与在线收单网关，以本地银行借记卡直连和全境商户网络为核心，广泛用于实体店收银、公用事业缴费及在线本地消费。
🔄 用户付款交互流 (User Flow)
- User selects EFTPOS / Domestic Debit Card at checkout or physical terminal
- User inputs domestic bank card details or swipes/inserts card at POS
- User enters confidential 4-digit bank PIN or validates via 3DS
- Direct debit is authorized against cheque or savings bank account
⚙️ 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 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant terminal or online gateway captures EFTPOS transaction
- Transaction routes through national interbank switch
- Settlement occurs directly between acquiring and issuing commercial banks
- Merchant account is credited with zero or minimal debit interchange fee
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen