ECPay
国家/地区: 菲律宾 (PH) | 底层清算轨道: cash_network
Cash
市场普及率: 15%
ECPay 是菲律宾领先的线下电子支付与便民现金清算服务商，在菲律宾便利店（如 7-Eleven）及线下零售终端付款领域占有重要地位，以密集的线下网点覆盖、二维码现金扫码付和全天候服务为核心，广泛用于电商订单现金履约、游戏充值及日常生活缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects ECPay / 7-Eleven OTC Cash at merchant checkout
- Customer receives payment barcode or 11-digit reference number
- Customer visits any 7-Eleven CLiQQ kiosk or ECPay partner store
- Customer presents reference barcode and pays cash to store cashier
- ECPay sends instant electronic payment confirmation to 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 API calls gateway to request ECPay reference barcode
- PSP issues payment token and instructions
- PSP receives ECPay server callback upon retail cashier payment confirmation