Yape
国家/地区: 秘鲁 (PE) | 底层清算轨道: closed_loop_wallet
DigitalWallet
市场普及率: 85%
Yape 是秘鲁第一大商业银行 BCP 推出的国民级移动数字钱包，以手机号即时转账、全网互通 QR 扫码及免手续费为核心优势，广泛用于移动电商结账、线下零售扫码及日常个人转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Yape at checkout
- Checkout displays dynamic Yape QR code or prompts for approval code
- Customer opens Yape app, scans QR code or enters approval code
- Customer approves payment and receives instant confirmation
⚙️ 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 payment gateway (Niubiz / Culqi / dLocal / Kushki) to create Yape transaction session
- Gateway generates Yape QR payload or approval code prompt
- Gateway receives instant clearing notification via webhook and confirms merchant order
🚀 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