FAST (Fonların Anlık ve Sürekli Transferi)
国家/地区: 土耳其 (TR) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 65%
FAST（Fonların Anlık ve Sürekli Transferi）是土耳其中央银行（CBRT）运营的国家级 24/7 即时跨行电子清算系统（依托 Kolay Adres 便捷地址），在土耳其银行账户间秒级资金划转与移动网银转账中占据核心地位，以全天候即时清算、手机号/身份证号直连和零中间环节为特色，广泛用于大额电商购物、个人间转账及企业公对公清算。
🔄 用户付款交互流 (User Flow)
- Customer selects FAST at merchant checkout and receives merchant IBAN or Kolay Adres (Easy Address)
- Customer opens their Turkish bank mobile app and initiates FAST instant transfer
- Customer confirms payment details and authorizes via bank 2FA
- CBRT FAST system clears funds in seconds and sends payment notification 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 API calls acquiring gateway for FAST reference payload
- PSP issues payment token and FAST IBAN / QR code
- PSP receives CBRT interbank clearing callback and updates merchant order status