MoMo Wallet
国家/地区: 越南 (VN) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 60%
MoMo 是越南主流的电子钱包和移动支付平台，在越南数字钱包和移动消费市场中占据统治地位，以手机号直连、App 快捷扫码以及支持自动代扣订阅为核心，广泛用于在线购物、游戏充值、SaaS 订阅及日常生活缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects MoMo at checkout
- Checkout presents a QR code or opens MoMo app directly on mobile
- Customer scans QR code or approves transaction in MoMo app
- Customer inputs 6-digit transaction PIN or biometric auth
- MoMo debits wallet balance and redirects customer back 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 calls payment creation API to generate MoMo payment token
- PSP issues payment QR or deep link
- PSP sends instant webhook notification upon MoMo balance transfer clearance