FedNow & RTP (Real-Time Payments)
国家/地区: 美国 (US) | 底层清算轨道: real_time_payment
RealTimePayment
市场普及率: 45%
FedNow & RTP 是美国联邦储备系统与 The Clearing House 共同运营的国家级 24/7/365 即时银行清算基础设施，在美国金融机构间秒级资金清算与商业支付中占据核心地位，以全天候秒级到账、不可逆清算和全网商业银行直连为特色，广泛用于企业实时结算、紧急大额划转及电商即时支付。
🔄 用户付款交互流 (User Flow)
- Customer selects FedNow / RTP instant bank transfer at checkout
- Checkout opens customer's online banking portal or presents Request for Payment (RfP) prompt
- Customer authorizes real-time bank debit via online banking authentication
- FedNow / RTP clears funds in seconds and transmits immediate settlement advice 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 issues Request for Payment (RfP) via acquiring gateway
- PSP transmits RfP to customer's bank via FedNow / RTP network
- PSP receives immediate settlement advice callback and confirms merchant order status