Tigo Pesa (Tanzania)
国家/地区: 坦桑尼亚 (TZ) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 70%
Tigo Pesa 是坦桑尼亚第二大移动电信运营商 Tigo（MIC Tanzania）发起的数字移动电子钱包（用户超 900 万），在坦桑尼亚移动钱包消费、跨境汇款与数字支付市场中处于领军地位，以快捷 USSD 码付、全网二维码与支持商户订阅自动代扣为特色，广泛用于移动电商购物、SaaS 软件订阅、便民转账及数字内容付费。
🔄 用户付款交互流 (User Flow)
- Customer selects Tigo Pesa at checkout and enters mobile phone number
- Customer receives USSD prompt / STK Push on phone screen
- Customer inputs Tigo Pesa PIN to confirm transaction
- Tigo Pesa debits wallet balance and transmits real-time settlement token 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 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway for Tigo Pesa payment session payload
- PSP issues payment token and triggers Tigo Pesa USSD / STK API
- PSP receives Tigo Pesa clearing webhook notification and confirms order status