Capitec Pay
国家/地区: 南非 (ZA) | 底层清算轨道: real_time_payment
OnlineBanking
市场普及率: 40%
Capitec Pay 是南非最大零售银行 Capitec 推出的开放银行 API 支付服务，支持通过银行绑定的手机号进行即时账户直连扣款，广泛用于各类移动端零售与周期性付款。
🔄 用户付款交互流 (User Flow)
- Customer selects Capitec Pay at checkout and inputs mobile or ID number
- Customer receives a push notification on their Capitec banking App
- Customer opens Capitec App, reviews payment details and enters PIN to authorize
- Bank executes real-time account debit and reports status 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 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant calls gateway API with customer Capitec bank alias
- PSP triggers Capitec API mandate/collect request
- PSP triggers clearance callback instantly upon user App pin approval
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal