ZaloPay
国家/地区: 越南 (VN) | 底层清算轨道: e_wallet
DigitalWallet
市场普及率: 40%
ZaloPay 是越南社交巨头 Zalo 旗下的移动电子钱包，在越南移动社交与数字支付市场中处于领先地位，以深度嵌入 Zalo 社交生态、快捷一键支付与自动代扣为特色，广泛用于线上零售、社交转账、SaaS 订阅及生活服务。
🔄 用户付款交互流 (User Flow)
- Customer selects ZaloPay at checkout
- Checkout opens ZaloPay app or Zalo chat app mini-program
- Customer selects payment source (ZaloPay balance or linked card)
- Customer enters security PIN or approves via fingerprint
- ZaloPay settles wallet balance and redirects 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 ZaloPay acquiring API with transaction details
- PSP issues payment token and app link
- PSP receives ZaloPay server notification and confirms merchant order