GrabPay (Singapore)
国家/地区: 新加坡 (SG) | 底层清算轨道: digital_wallet
DigitalWallet
市场普及率: 70%
GrabPay 是东南亚超级应用 Grab 旗下在新加坡统治级的移动数字电子钱包，在新加坡移动无感支付、网约车与外卖消费中占据主导地位，以 GrabRewards 积分返现、绑卡自动扣款及与 PayNow 统一 QR 互通为特色，广泛用于出行打车、外卖订餐、电商付款及 SaaS 订阅服务。
🔄 用户付款交互流 (User Flow)
- Customer selects GrabPay at checkout
- Redirected to Grab app or web login modal
- Customer authorizes transaction via Grab PIN or biometric auth
- GrabPay deducts wallet balance / linked card and confirms payment to merchant
⚙️ 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 API passes checkout payload to acquiring gateway (Stripe / Adyen / GrabPay API)
- PSP issues payment token and GrabPay deep link payload
- PSP receives GrabPay clearing webhook notification and confirms order status
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 2C2P🔌 Stripe🔌 Adyen