Siam Commercial Bank (SCB)
国家/地区: 泰国 (TH) | 底层清算轨道: bank_network
OnlineBanking
市场普及率: 50%
Siam Commercial Bank（汇商银行 / SCB）是泰国历史最悠久且规模最大的全能商业银行之一，在泰国网银在线支付与数字转账领域占有核心地位，以 SCB EASY 移动网银直连、安全实时清算与开放 API 为优势，广泛用于在线电商结账、企业资金管理、SaaS 付款及个人网银转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Siam Commercial Bank at checkout
- Checkout opens SCB EASY mobile app or online banking page
- Customer logs in with credentials and verifies PIN / biometric auth
- SCB clears transaction instantly and returns confirmation 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 | NO |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls payment gateway API for SCB checkout session
- PSP issues payment token and SCB EASY gateway link
- PSP receives SCB clearing callback and confirms order