Fawran (Qatar Instant Payment Service)
国家/地区: 卡塔尔 (QA) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 65%
Fawran（卡塔尔即时支付系统 QPS）是卡塔尔央行（QCB）推出的国家级 7x24 实时银行账户转账与扫码系统，以手机号/别名即时到账、跨行零延迟清算为核心优势，广泛用于移动端电商支付、个人间即时转账及商户快速结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Fawran Instant Payment at checkout
- Checkout displays dynamic Fawran QR code or prompts for customer mobile number / alias
- Customer opens mobile banking app (QNB, QIB, CBQ, Masraf Al Rayan, etc.)
- Customer authorizes transfer with biometric or banking PIN for instant settlement
⚙️ 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 API calls payment gateway to initiate Fawran instant payment session
- Gateway issues standardized QCB QR payload with merchant alias
- Central Bank QPS network clears funds in seconds and sends clearing webhook
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Tap Payments