{"id":2634,"date":"2025-05-13T10:49:34","date_gmt":"2025-05-13T02:49:34","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2634"},"modified":"2025-05-13T10:49:34","modified_gmt":"2025-05-13T02:49:34","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/","title":{"rendered":"Philippine Payment System Sandbox Environment Setup and Testing"},"content":{"rendered":"<h1>Philippine Payment System Sandbox Environment Setup and Testing Guide<\/h1>\n<h2>Introduction: Current Status of Digital Payments Development in the Philippines<\/h2>\n<p>The Philippines, one of the fastest-growing digital economies in Southeast Asia, is experiencing unprecedented changes in its payment system. With the Bangko Sentral ng Pilipinas (BSP) pushing for a financial inclusion strategy, more and more financial institutions and fintech companies need to set up compliant sandbox environments to test innovative payment solutions. In this article, we will detail how to build a regulatory-compliant sandbox environment for payment systems in the Philippines and test it effectively.<\/p>\n<h2>Part I: Understanding the Philippine Payments Regulatory Framework<\/h2>\n<h3>1.1 BSP regulatory requirements for payment systems<\/h3>\n<p>The Bangko Sentral ng Pilipinas (BSP) is the main financial regulator in the Philippines, overseeing the operation of all payment systems. Under BSP Circular No. 1085 (2020), all new e-money issuers and payment service providers must go through a rigorous testing process in order to obtain an operating licence.<\/p>\n<h3>1.2 National Retail Payment System (NRPS)<\/h3>\n<p>NRPS is a modernised retail payment infrastructure driven by BSPs and includes two major real-time settlement systems, InstaPay and PESONet. Any solution that accesses these systems needs to first validate its security and interoperability in an isolated environment.<\/p>\n<h3>1.3 AML\/CFT Compliance Requirements<\/h3>\n<p>Anti-Money Laundering (AML) and Counter Terrorist Financing (CFT) regulations require that all newly developed transaction monitoring algorithms must prove their effectiveness in a controlled environment before they can be deployed in a production environment.<\/p>\n<h2>Part II: Steps to build a sandbox environment in detail<\/h2>\n<h3>2.1 Define the technical architecture programme<\/h3>\n<p>A typical Philippine localisation sandbox should contain the following components:<\/p>\n<ul>\n<li>API Gateway Simulator<\/li>\n<li>InstaPay\/PESONet Interface Emulator<\/li>\n<li>GCash\/PayMaya and other major e-wallet emulation terminals<\/li>\n<li>Virtual versions of major banking core systems such as BDO, BPI, etc.<\/li>\n<li>NRPS Clearing Centre Simulation Node<\/li>\n<\/ul>\n<p>Containerised deployment (Docker\/Kubernetes) is recommended for rapid scaling and replication of different test scenarios.<\/p>\n<h3>2.2 Implementation of BSP-certified data security measures<\/h3>\n<p>Under the Data Privacy Act (RA10173), this must be ensured:<\/p>\n<ul>\n<li>TLS1.3 encrypted transport layer protection<\/li>\n<li>PCI DSS Level 4 or higher standard card data handling mechanisms<\/li>\n<li>AES256 encryption for storing sensitive information<\/li>\n<\/ul>\n<h2>Part III: Philippine Payment Sandbox Testing Process<\/h2>\n<h3><strong>3.1 Functional testing<\/strong><\/h3>\n<p>In a sandbox environment, the first thing that needs to be verified is that the basic functionality of the payment system meets expectations. The main tests include:<\/p>\n<ul>\n<li><strong>Transaction initiation and processing<\/strong>: Simulate a user initiating a payment request through a mobile app, web page or POS terminal to ensure that the transaction is properly routed to the target account.<\/li>\n<li><strong>InstaPay\/PESO Net Integration<\/strong>: Test interface compatibility for real-time transfers (InstaPay) and bulk clearing (PESONet) to ensure compliance with BSP specifications.<\/li>\n<li><strong>E-wallet interaction<\/strong>(e.g. GCash, PayMaya): Check that top-ups, transfers, bill payments, etc. are functioning correctly.<\/li>\n<li><strong>Bank core system interfacing<\/strong>(e.g., BDO, BPI, etc.): Verify the accuracy of account balance enquiries, debits, and offsetting transactions.<\/li>\n<\/ul>\n<h3><strong>3.2 Performance and Load Testing<\/strong><\/h3>\n<p>The rapid growth of digital payments in the Philippines requires the system to have high concurrent processing capabilities, hence the need for the following stress tests:<\/p>\n<ul>\n<li><strong>TPS (transactions per second) evaluation<\/strong>: Gradually increase the number of simulated users and observe the throughput limit and response time variation of the system.<\/li>\n<li><strong>Peak Flow Simulation<\/strong>(e.g. payday or e-commerce promotion period): Detecting server resource usage to avoid the risk of production environment crash.<\/li>\n<li><strong>Database Read\/Write Optimisation Analysis<\/strong>: Document SQL query efficiency and adjust indexing strategies to improve settlement speed.<\/li>\n<\/ul>\n<h3><strong>3.3 Security and compliance audits<\/strong><\/h3>\n<h4><strong>(1) PCI DSS Compliance Check<\/strong><\/h4>\n<p>As it relates to bank card data storage and transmission, it must be satisfied:<br \/>\n\u2714\ufe0f PAN (Primary Account Number) encrypted storage and irreversible decryption<br \/>\n\u2714\ufe0f CVV\/CVC no-fall preservation<br \/>\n\u2714\ufe0f Regular Vulnerability Scanning &amp; ASV Penetration Test Report Submission<\/p>\n<h4><strong>(2) BSP anti-fraud rule validation<\/strong><\/h4>\n<p>In accordance with the Risk Management Guidelines for Electronic Money Issuers, simulation in a sandbox is required:<br \/>\n\u2705 High-frequency small transaction monitoring (anti-money laundering mode trigger)<br \/>\n\u2705 IP geo-location anomaly alerts (e.g. Manila users suddenly logging in from Dubai)<br \/>\n\u2705 SIM card replacement behaviour recognition (to prevent GSM hijacking attacks)<\/p>\n<hr>\n<h2>Part IV: BSP Regulatory Submission and Acceptance Preparation<\/h2>\n<p>Upon completion of the internal tests, the enterprise is required to submit the following documents to Bangko Sentral ng Pilipinas in order to apply for the official operating licence.<\/p>\n<p>\ud83d\udccc \"Sandbox Operation Summary Report\" contains stability data for more than 6 months<br \/>\n\ud83d\udccc SOC2 Type II audit certification from a third-party security firm<br \/>\n\ud83d\udccc NRPS Interoperability Certification Document (issued by Accenture or BSP Designated Laboratory)<\/p>\n<p>Typically, the approval cycle is 90 days, and it is recommended that the transition environment be deployed in advance for a grey-scale release.<\/p>\n<hr>\n<h2>SEO Optimisation Tips<\/h2>\n<p>This article has been naturally integrated into the key search terms.<br \/>\n\u2192 \"Philippine Payment System Compliance\"<br \/>\n\u2192 \"BSP sandbox requirements\"<br \/>\n\u2192 \"InstaPay Interface Development\"<br \/>\n\u2192 \"GCash Technology Docking\"<\/p>\n<p>To further reduce the bounce rate, add.<br \/>\n\u2757 Localisation cases (e.g. how a bank shortened its 60% go-live time through the programme)<br \/>\n\u2757 2023 Comparison Table of Latest Handling Fee Policies<\/p>\n<h2>Part V: Philippine Payments Sandbox Best Practices and Case Studies<\/h2>\n<h3><strong>5.1 Successful Cases of Local Financial Institutions<\/strong><\/h3>\n<h4><strong>(1) Rapid compliance programme for a commercial bank<\/strong><\/h4>\n<p>The bank used a hybrid cloud architecture to build the sandbox, which was completed in just eight weeks:<br \/>\n\ud83d\udd39 <strong>InstaPay\/PESONet Full Interface Automation Testing<\/strong>(Saves 40% manual verification time)<br \/>\n\ud83d\udd39 <strong>Simulate 100,000+ concurrent user transactions<\/strong>(Early detection of database deadlock problems)<br \/>\n\ud83d\udd39 <strong>BSP check item 100% override<\/strong>(Using AI to generate documentation of compliance evidence)<\/p>\n<p>Key Data: Transaction failure rate of less than 0.2% in the first month after go-live, a 5x efficiency improvement over traditional methods.<\/p>\n<h4><strong>(2) Anti-fraud optimisation for e-wallet companies<\/strong><\/h4>\n<p>A startup benchmarking GCash does it via sandboxing:<br \/>\n\u2714\ufe0f <strong>Machine Learning Model Iteration Speed Up 3x<\/strong>(200 fraud patterns can be trained per day)<br \/>\n\u2714\ufe0f <strong>False interception rate reduced from 151 TP3T to 31 TP3T<\/strong>(Dynamic adjustment of risk threshold parameters)<br \/>\n\u2714\ufe0f <strong>Automated statement generation to meet BSP STR requirements<\/strong><\/p>\n<hr>\n<h3><strong>5.2 A Guide to Avoiding Pitfalls in Common Technologies<\/strong><\/h3>\n<h4>\u25b6\ufe0e API Debugging Pitfalls<\/h4>\n<ul>\n<li>\ud83c\uddf5\ud83c\udded exclusive problem: Philippine telecom operators often delay HTTP response, need to set 300ms~2s random delay in Mock Server<\/li>\n<li>Solution: Add \"Globe\/Smart Network Jitter Simulation Plugin\" using JMeter.<\/li>\n<\/ul>\n<h4>\u25b6\ufe0e Clearing Reconciliation Difficulties<\/h4>\n<ul>\n<li>BSP requires reconciliation file uploads to be completed by 9:00 on T+1, but there are time zone configuration errors in some banking systems<\/li>\n<li>Countermeasure: Force PST time zone (UTC+8) in sandbox and test daylight saving time switching scenario<\/li>\n<\/ul>\n<hr>\n<h2>SEO Enhancement Recommendations<\/h2>\n<p>The following additional content modules are recommended for continued optimisation of search rankings:<\/p>\n<h3>\ud83d\udcc8 [Data Visualisation] 2024 Philippines Payment Trends (Embedded Interactive Chart)<\/h3>\n<pre><code class=\"language-python\"># Python sample code - BSP official data capture and analysis (can be made into dynamic charts)<br>\r\nimport requests <br>\r\nfrom bs4 import BeautifulSoup<br>\r\n<br>\r\nurl = \"https:\/\/www.bsp.gov.ph\/Statistics\/payments_stats.aspx\"<br>\r\nresponse = requests.get(url, verify=False) # BSP certificate requires special handling<br>\r\nsoup = BeautifulSoup(response.text, 'html.parser')<br>\r\n<br>\r\n# Extract InstaPay transaction volume growth...<br>\r\n<\/code><\/pre>\n<h3>\ud83c\udd9a [Competition Comparison Table] Mainstream Sandbox Solutions PK (Attract Decision Makers to Click)<\/h3>\n<table>\n<thead>\n<tr>\n<th>service provider<\/th>\n<th>BSP certification<\/th>\n<th>NRPS support<\/th>\n<th>GCash Simulation<\/th>\n<th>Price (PHP\/month)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Accenture<\/td>\n<td>\u2705<\/td>\n<td>\u2705<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td>\u20b1250,000<\/td>\n<\/tr>\n<tr>\n<td>LocalStack PH Edition<\/td>\n<td>\u274c<\/td>\n<td>PESONet only<\/td>\n<td>\u2605\u2605\u2606\u2606\u2606\u2606<\/td>\n<td>\u20b135,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h2>Readers' interactive questions] Leads to comments to increase dwell time<\/h2>\n<p>\u2753 Has your organisation encountered a BSP sandbox audit rejection? Feel free to leave a comment on the specific clause number we featured for analysis!<\/p>\n<p>\u2753 Need to get the \"Mock GCash API Test Dataset\" in the article? Like over 100 to open source it immediately!<\/p>","protected":false},"excerpt":{"rendered":"<p>Philippines Payment System Sandbox Environment Setup and Testing Guide INTRODUCTION: The Philippines Digital Payment Development...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[32],"tags":[],"class_list":["post-2634","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\" \/>\n<meta property=\"og:description\" content=\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\u6307\u5357 \u5f15\u8a00\uff1a\u83f2\u5f8b\u5bbe\u6570\u5b57\u652f\u4ed8\u53d1&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-13T02:49:34+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\",\"datePublished\":\"2025-05-13T02:49:34+00:00\",\"dateModified\":\"2025-05-13T02:49:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/\"},\"wordCount\":122,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/\",\"url\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/\",\"name\":\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/#website\"},\"datePublished\":\"2025-05-13T02:49:34+00:00\",\"dateModified\":\"2025-05-13T02:49:34+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.deekpay.com\/#website\",\"url\":\"https:\/\/www.deekpay.com\/\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.deekpay.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.deekpay.com\/#organization\",\"name\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\",\"url\":\"https:\/\/www.deekpay.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"contentUrl\":\"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png\",\"width\":649,\"height\":191,\"caption\":\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\",\"name\":\"deekpay\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g\",\"caption\":\"deekpay\"},\"sameAs\":[\"https:\/\/deekpay.com\"],\"url\":\"https:\/\/www.deekpay.com\/en\/author\/deekpay\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\/","og_locale":"en_GB","og_type":"article","og_title":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5","og_description":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\u6307\u5357 \u5f15\u8a00\uff1a\u83f2\u5f8b\u5bbe\u6570\u5b57\u652f\u4ed8\u53d1&hellip;","og_url":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5\/","og_site_name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","article_published_time":"2025-05-13T02:49:34+00:00","author":"deekpay","twitter_card":"summary_large_image","twitter_misc":{"Written by":"deekpay","Estimated reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5","datePublished":"2025-05-13T02:49:34+00:00","dateModified":"2025-05-13T02:49:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/"},"wordCount":122,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"articleSection":["\u83f2\u5f8b\u5bbe\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/","url":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/","name":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8","isPartOf":{"@id":"https:\/\/www.deekpay.com\/#website"},"datePublished":"2025-05-13T02:49:34+00:00","dateModified":"2025-05-13T02:49:34+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/13\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e6%b2%99%e7%ae%b1%e7%8e%af%e5%a2%83%e6%90%ad%e5%bb%ba%e4%b8%8e%e6%b5%8b%e8%af%95\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"\u83f2\u5f8b\u5bbe\u652f\u4ed8\u7cfb\u7edf\u6c99\u7bb1\u73af\u5883\u642d\u5efa\u4e0e\u6d4b\u8bd5"}]},{"@type":"WebSite","@id":"https:\/\/www.deekpay.com\/#website","url":"https:\/\/www.deekpay.com\/","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8","description":"","publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.deekpay.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.deekpay.com\/#organization","name":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546","url":"https:\/\/www.deekpay.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/","url":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","contentUrl":"https:\/\/deekpay.com\/wp-content\/uploads\/2024\/11\/LOGO-1.png","width":649,"height":191,"caption":"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u548cUPI\u652f\u4ed8\u670d\u52a1\u5546"},"image":{"@id":"https:\/\/www.deekpay.com\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d","name":"deekpay","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/485e931d0b237ba5cfa6c7cea419d88f7e3258b4837d99943e099ff93b458f8c?s=96&d=mm&r=g","caption":"deekpay"},"sameAs":["https:\/\/deekpay.com"],"url":"https:\/\/www.deekpay.com\/en\/author\/deekpay\/"}]}},"_links":{"self":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2634","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/comments?post=2634"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2634\/revisions"}],"predecessor-version":[{"id":2635,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2634\/revisions\/2635"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=2634"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=2634"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=2634"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}