PagoEfectivo
国家/地区: 秘鲁 (PE) | 底层清算轨道: bank_clearing
Cash
市场普及率: 75%
PagoEfectivo 是 Paysafe 旗下在秘鲁统治级的 CIP 离线现金代收与预付凭证系统，以 8 位 CIP 编码和覆盖全国 40,000+ 代理网点的线下即时现金缴费为优势，广泛用于无卡人群电商购物、机票预订及游戏充值。
🔄 用户付款交互流 (User Flow)
- Customer selects PagoEfectivo at checkout
- Checkout generates an 8-digit CIP (Código de Identificación de Pago) voucher and barcode
- Customer pays cash at an authorized agent (Agente BCP, KasNet, Western Union, Tambo) or via online banking
- PagoEfectivo confirms settlement and notifies merchant to fulfill order
⚙️ 支付与结算特征
| 即时清算 | NO |
| 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 requests PagoEfectivo CIP voucher from gateway (dLocal / Kushki / PayU / Culqi)
- Gateway returns CIP code, barcode URL, and expiration countdown to customer
- Gateway receives clearing webhook when customer pays and marks transaction as paid
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayU🔌 Mercado Pago🔌 dLocal🔌 Kushki🔌 Culqi🔌 EBANX🔌 Niubiz