Ozow
国家/地区: 南非 (ZA) | 底层清算轨道: real_time_payment
OnlineBanking
市场普及率: 55%
Ozow 是南非主流的即时网银转账支付系统，以无卡化即时 EFT 清算为核心，广泛用于南非境内线上的商品购买、账单支付及资金即时结算。
🔄 用户付款交互流 (User Flow)
- Customer selects Ozow at merchant checkout page
- Customer selects their bank and logs in with bank credentials
- Customer chooses the specific bank account to pay from
- Customer approves the payment on their mobile banking app via Push notification/OTP
- Ozow clears funds instantly bank-to-bank and redirects customer back
⚙️ 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 calls payment creation API requesting Ozow bank transfer
- PSP issues bank gateway redirect URL
- PSP forwards payment clearance webhook notification instantly
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 dLocal