Plin
国家/地区: 秘鲁 (PE) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 70%
Plin 是秘鲁三大商业银行联合推出的跨行数字钱包网络，以银行账户直连、全网互通 QR 扫码和极速清算为特色，广泛用于线上购物、餐饮扫码及跨行即时转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Plin at checkout
- Checkout displays Plin dynamic QR code or asks for mobile number
- Customer opens participating mobile banking app (BBVA / Interbank / Scotiabank / BanBif)
- Customer scans QR code, confirms amount, and completes instant payment
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 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 (Niubiz / Culqi / dLocal / Kushki) to initiate Plin payment session
- Gateway issues interoperable EMVCo QR code payload
- Gateway receives interbank clearing webhook and updates merchant order status
🚀 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