Walley
国家/地区: 瑞典 (SE) | 底层清算轨道: bank_clearing
BNPL
市场普及率: 3%
Walley 是瑞典主要金融集团 Collector Bank 推出的全渠道电商支付与分期平台，以 B2C 和 B2B 灵活账单（Invoice）和分期付为核心，广泛用于北欧品牌独立站、建材及企业级电商采购。
🔄 用户付款交互流 (User Flow)
- User selects Walley (Invoice / Part Payment) at checkout
- User enters civic number and authenticates with Mobile BankID
- Real-time assessment approves deferred invoice or monthly installment
- Order is confirmed and user receives invoice digitally
⚙️ 支付与结算特征
| 即时清算 | YES |
| 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 invokes Walley Checkout REST API during order placement
- Walley renders responsive checkout module supporting B2C and B2B orders
- Walley guarantees credit payout to merchant upon delivery dispatch
- Merchant receives payout and automated reconciliation logs