Bayad Center
国家/地区: 菲律宾 (PH) | 底层清算轨道: cash_network
Cash
市场普及率: 20%
Bayad Center 是菲律宾最大的线下账单支付与现金替代支付服务网络，在菲律宾线下实体支付及未联网人群金融服务中占据主导地位，以覆盖全国的数万家实体网点、现金即时缴费与无需银行卡为优势，广泛用于公共事业缴费、电商网购现金离线支付及学费缴纳。
🔄 用户付款交互流 (User Flow)
- Customer selects Bayad Center OTC Cash at merchant checkout
- Customer receives a payment reference slip with barcode/number
- Customer visits any Bayad Center physical branch or partner outlet
- Customer presents reference code and pays cash to teller
- Bayad Center clears payment and notifies merchant
⚙️ 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 triggers transaction creation request to gateway
- PSP generates Bayad Center payment reference code
- PSP triggers clearing callback once teller submits cash transaction confirmation