Afterpay (US)
国家/地区: 美国 (US) | 底层清算轨道: bnpl
BNPL
市场普及率: 40%
Afterpay 是 Block 旗下在美国广泛使用的先买后付（BNPL）消费金融服务平台，在美国零售电商、时尚消费与无息分期支付中占据领军地位，以四期零利息无息分期、绑卡/钱包自动扣款和提升客单价为优势，广泛用于服装鞋帽网购、数码消费品及中大额电商结账。
🔄 用户付款交互流 (User Flow)
- Customer selects Afterpay Buy Now Pay Later at merchant checkout
- Checkout opens Afterpay portal and presents 4-installment schedule
- Customer pays first 25% installment with card or digital wallet
- Afterpay clears 100% order amount to merchant and collects remaining 3 installments automatically
⚙️ 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 (Stripe / Square / Adyen) for Afterpay session token
- PSP issues payment token and Afterpay checkout URL
- PSP receives Afterpay clearing webhook notification and confirms order status