Raast
国家/地区: 巴基斯坦 (PK) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 20%
Raast 是巴基斯坦央行推出的首个实时小额支付系统，以即时转账和手机号作为支付标识为核心，广泛用于线上交易、个人间汇款及薪资发放。
🔄 用户付款交互流 (User Flow)
- Merchant checkout presents a dynamic Raast QR code or mobile alias code
- Customer logs into their native bank application and scans the QR code or inputs the alias mobile number
- Customer reviews transaction parameters and authorizes the instant clearance
- Real-time funds are routed directly to the merchant bank account
⚙️ 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 requests dynamic QR string from PSP
- PSP registers dynamic transaction payload on the central SBP clearing network
- PSP triggers real-time webhook callback to merchant notification portal
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal