STC Pay
国家/地区: 沙特阿拉伯 (SA) | 底层清算轨道: real_time_payment
DigitalWallet
市场普及率: 35%
STC Pay 是沙特阿拉伯领先的数字钱包，由沙特电信公司运营，以即时扫码支付、转账及生活生活账单缴费为核心，广泛用于移动消费及数字服务。
🔄 用户付款交互流 (User Flow)
- Customer selects STC Pay at checkout and inputs mobile number
- Customer receives an OTP or opens STC Pay app directly
- Customer reviews payment summary on screen and enters transaction PIN
- STC Pay debit e-wallet balance and updates merchant order status
⚙️ 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 payment gateway with STC Pay credentials
- PSP issues payment request to STC Pay server
- PSP triggers webhooks callback instantly upon merchant confirmation receipt
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 Checkout.com🔌 Tap Payments🔌 HyperPay🔌 dLocal🔌 PayTabs🔌 iPayLinks