Mir Card
国家/地区: 俄罗斯 (RU) | 底层清算轨道: card_network
Card
市场普及率: 70%
Mir 是俄罗斯国家支付卡系统（NSPK）推出的本国银行卡支付系统，作为俄罗斯最主流的卡支付网络，在本地信用卡与借记卡市场占主导地位，以国家结算安全和支持代扣订阅为特征，广泛用于线上消费、线下刷卡、公共事业缴费以及日常消费。
🔄 用户付款交互流 (User Flow)
- Customer enters Mir card number, expiration date, and CVV on merchant checkout
- Checkout redirects customer to Mir 3D Secure page
- Customer enters OTP received via mobile SMS or bank app confirmation
- Card network authorizes and redirects customer back to merchant website
⚙️ 支付与结算特征
| 即时清算 | NO |
| 扫码支付 (QR) | NO |
| 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 payment API with card token or inputs
- PSP requests card network authorization
- PSP sends payment success notification to merchant back-end