1Voucher
国家/地区: 南非 (ZA) | 底层清算轨道: cash_network
Prepaid
市场普及率: 45%
1Voucher 是南非 Flash 集团推行的全国性预付卡兑换码与离线现金结算网络（覆盖全南非 10 万余家零售便利店），在南非无银行卡人群及离线现金电商支付中占据主导地位，以凭 16 位 PIN 码兑换、现金零门槛和即时履约为优势，广泛用于电商网购离线付款、博彩充值、数字内容购买及账单缴费。
🔄 用户付款交互流 (User Flow)
- Customer selects 1Voucher at merchant checkout
- Customer purchases a physical 1Voucher slip with cash at any Flash / PEP / Shoprite retail outlet
- Customer enters 16-digit 1Voucher PIN on merchant checkout screen
- 1Voucher system validates PIN and clears funds instantly to merchant
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 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 passes 16-digit 1Voucher PIN to acquiring gateway (PayGate / Peach Payments)
- PSP validates PIN string with Flash 1Voucher API
- PSP receives clearing confirmation and updates merchant order status