Taiwan Pay (台湾 Pay)
国家/地区: 中国台湾 (TW) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 40%
Taiwan Pay（台湾 Pay）是中国台湾地区财政部与公股银行联合推行的国家级公股移动支付与统一二维码清算平台，在台湾公股银行客户群及金融机构跨行扫码中占据重要地位，以金融卡账户直连、跨行免手续费和统一 QR 扫码为核心，广泛用于公家机关缴费、税款缴纳、商户扫码付及个人跨行转账。
🔄 用户付款交互流 (User Flow)
- Customer selects Taiwan Pay at merchant checkout
- Checkout displays Taiwan Pay QR code
- Customer opens Taiwan Pay App or participating bank mobile app to scan QR code
- Customer selects bank debit card / account and verifies password
- Taiwan Pay clears funds instantly and confirms merchant payment
⚙️ 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 for Taiwan Pay QR session
- PSP issues compliant Taiwan Pay QR string payload
- PSP receives FISC / Taiwan Pay instant clearing callback and updates order status