Yapı Kredi (Worldcard)
国家/地区: 土耳其 (TR) | 底层清算轨道: bank_clearing
OnlineBanking
市场普及率: 50%
Yapı Kredi 是土耳其领先的商业银行与信用卡先驱，以其历史悠久的 Worldcard 忠诚度积分与多期免息分期网络为核心，广泛用于电商零售、家电数码、日常超市及商旅出行。
🔄 用户付款交互流 (User Flow)
- Customer enters Worldcard credentials at merchant checkout
- Customer selects desired installment plan (Taksit) and point-redemption option
- Customer completes 3D Secure authentication via Yapı Kredi Mobil notification or SMS
- Transaction is approved and World points are credited/redeemed
⚙️ 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 calls Yapı Kredi POS/VPOS API with transaction details and installment choice
- Yapı Kredi authorizes cardholder credit
- Gateway captures transaction and applies Worldcard merchant campaign benefits
- Merchant updates transaction to Paid status