Maya (PayMaya)
国家/地区: 菲律宾 (PH) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 45%
Maya（前身为 PayMaya）是菲律宾领先的数字银行与电子钱包平台，在菲律宾线上零售与数字金融服务市场中处于核心地位，以数字银行账户直连、虚拟卡发放和支持周期性代扣为优势，广泛用于电商消费、应用内购买、SaaS 订阅及个人理财。
🔄 用户付款交互流 (User Flow)
- Customer selects Maya at merchant checkout
- Checkout opens Maya app or presents login portal
- Customer logs in with mobile number and password
- Customer confirms payment using 6-digit OTP or biometric auth
- Maya debits wallet or bank account balance and notifies 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 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls checkout creation API for Maya transaction session
- PSP issues payment token and app link
- PSP triggers payment success webhook callbacks upon Maya clearance