Autogiro
国家/地区: 瑞典 (SE) | 底层清算轨道: bank_clearing
DirectDebit
市场普及率: 5%
Autogiro 是瑞典国家级银行直连借记扣款系统，以自动化定期批量扣款和高安全性为核心，广泛用于 SaaS 订阅、公用事业代扣、保险费及健身会员等周期性收费场景。
🔄 用户付款交互流 (User Flow)
- User chooses Autogiro direct debit for recurring service or subscription
- User enters clearing number and bank account number
- User signs electronic direct debit mandate using Mobile BankID
- Future scheduled billings are automatically debited on due dates
⚙️ 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 submits digital mandate consent to Bankgirot clearing network
- Merchant sends automated batch debit files prior to payment due date
- Bankgirot executes clearing across Swedish banks and credits merchant account
- Automated settlement and failure report is returned
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Adyen