PromptPay
国家/地区: 泰国 (TH) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 50%
PromptPay 是泰国央行主导的国家级即时支付基础设施，以手机号、身份证号或二维码直接绑定银行账户为核心，广泛用于线上消费、线下扫码及个人间即时转账。
🔄 用户付款交互流 (User Flow)
- Customer chooses PromptPay at checkout
- Checkout renders a dynamic PromptPay QR code containing transaction details
- Customer opens their Thai mobile banking app and scans the QR code
- Customer confirms the payment amount and authorizes with PIN
- Funds transfer in real-time bank-to-bank and merchant updates 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 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls payment creation API to request PromptPay QR
- PSP requests National ITMX switch to generate dynamic EMVCo QR
- PSP triggers instant callback upon receiving dynamic QR clearing notification
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 PayerMax🔌 iPay88🔌 2C2P🔌 Checkout.com🔌 Antom🔌 汇付天下🔌 通联支付🔌 连连数字🔌 Payoneer🔌 嘉联支付🔌 Skyee🔌 Coda Payments🔌 dLocal🔌 PingPong🔌 iPayLinks🔌 Stripe🔌 Airwallex🔌 Adyen🔌 万里汇🔌 易宝支付