BPI (Bank of the Philippine Islands)
国家/地区: 菲律宾 (PH) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 30%
BPI（Bank of the Philippine Islands，菲律宾群岛银行）是菲律宾历史最悠久且规模最大的全能商业银行之一，在菲律宾网银在线支付与企业资金清算中处于核心地位，以银行账户直连、网银一键转账和高额度结算为特色，广泛用于线上零售、大额采购、账单缴费及企业清算。
🔄 用户付款交互流 (User Flow)
- Customer selects BPI Online at merchant checkout
- Checkout redirects customer to BPI Online banking portal
- Customer logs in with BPI username and password
- Customer authorizes transaction using BPI mobile app key or OTP
- BPI debits bank account and redirects customer back to merchant
⚙️ 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 calls payment creation API for BPI online session
- PSP issues bank gateway redirect URL
- PSP receives BPI clearing notification and confirms order