Tupay
国家/地区: 秘鲁 (PE) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 35%
Tupay 是秘鲁新兴的实时银行转账与 QR 码聚合清算网关，以全网商业银行极速直连、零卡号输入和即时到账为核心优势，广泛用于出海电商结账、数字娱乐充值及各类生活服务缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects Tupay at checkout
- Checkout displays Tupay dynamic QR code or direct interbank transfer instructions
- Customer opens mobile banking app, scans QR code or authorizes instant interbank transfer
- Tupay validates real-time interbank clearing and confirms payment to merchant immediately
⚙️ 支付与结算特征
| 即时清算 | YES |
| 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 calls acquiring gateway (dLocal / Kushki / Tupay API) to initiate transaction session
- Gateway issues payment token and dynamic Tupay QR payload
- Gateway receives real-time bank clearing webhook callback and updates merchant order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal🔌 Kushki