{"id":2742,"date":"2025-05-16T18:53:24","date_gmt":"2025-05-16T10:53:24","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2742"},"modified":"2025-05-16T18:53:24","modified_gmt":"2025-05-16T10:53:24","slug":"%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/","title":{"rendered":"How to improve payment experience and retention in the Indonesian market?"},"content":{"rendered":"<p>Improving payment experience and retention in the Indonesian market requires optimising for the unique local financial environment, user habits and regulatory policies. Here are the key strategies:<\/p>\n<h3>I. Integration of localised payment methods<\/h3>\n<ol>\n<li><strong>Full coverage of mainstream e-wallets<\/strong>: Support GoPay, OVO, DANA, etc. (accounting for more than 60% of Indonesia's digital transactions) to ensure deep API integration and reduce jump loss.<\/li>\n<li><strong>Bank transfer optimisation<\/strong>: Virtual accounts such as Mandiri\/SHOPE Pay are required to enable automatic notification of write-offs, shortening the traditional 3-hour arrival time to real-time confirmation.<\/li>\n<li><strong>Convenience store cash payments<\/strong>: Collaboration with Alfamart\/Indomaret to generate barcode payments to address the pain points of unbanked card users (35% of the population).<\/li>\n<\/ol>\n<h3>II. Upgrading the technology layer experience<\/h3>\n<ol>\n<li><strong>Intelligent Routing Reduces Costs and Increases Efficiency<\/strong>::\n<ul>\n<li>Dynamic channel selection based on transaction amount (0.51 TP3T for small amounts via e-wallet, 0.31 TP3T for large amounts via bank transfer)<\/li>\n<li>Failed transactions are automatically switched to the alternate channel and the original order number is retained.<\/li>\n<\/ul>\n<\/li>\n<li><strong>Anti-fraud balancing strategy<\/strong>::\n<ul>\n<li>No OTP verification for &lt;$50 transactions (22% conversion rate increase)<\/li>\n<li>Adoption of biometrics as an alternative to SMS verification (smartphone penetration in Indonesia reaches 73%)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>III. User incentive system design<\/h3>\n<ol>\n<li>\n<p><strong>Tiered subsidy mechanism<\/strong>::<br \/>\n| User Types | First Order Incentive | Repurchase Incentive | VIP Privileges |<br \/>\n|&#8212;|&#8212;|&#8212;|&#8212;|<br \/>\n|New Users|$5k off $20k|3%|N\/A| on next order<br \/>\n|Low Frequency Users|Push Limited Time Free Voucher|3 Consecutive Transactions Free E-Coupon|N\/A|<br \/>\n|High Frequency Users|N\/A|Double Points on the 8th of every month|Dedicated Customer Service|<\/p>\n<\/li>\n<li>\n<p><strong>social fission game<\/strong>::<br \/>\nDevelopment of \"Invite friends to top up and get 10k rupiah each\" function, combined with WhatsApp share button (Indonesia WA usage rate 98%)<\/p>\n<\/li>\n<\/ol>\n<h3>IV. Compliance and Risk Control Enhancement<\/h3>\n<ol>\n<li><strong>BPJ Certification Preprocessing<\/strong>::<br \/>\nPre-checking of taxpayer number in KYC session to avoid interception of large transactions (more than 2 million rupiahs need to be reported)<br \/>\n2.<strong>Multi-language customer service coverage<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Sundanese\/Javanese Language Support Reduces 15% Complaint Rate<\/li>\n<\/ul>\n<p>V. Data-driven iterative mechanisms<br \/>\nCreate real-time monitoring dashboards to track core metrics.<\/p>\n<ul>\n<li>Failed payment recovery rate (industry benchmark: &gt;45%)<\/li>\n<li>Cash-to-digital conversion rate (leading platform up to 28%)<\/li>\n<\/ul>\n<p>Typical case: A cross-border e-commerce company after accessing DOKU aggregation gateway.<\/p>\n<ul>\n<li>COD conversion rate from 19% \u2192 34%<br \/>\n-30 Day Repurchase Rate Increase 41%<\/li>\n<\/ul>\n<p>Special attention should be paid to the fact that new foreign exchange settlement rules will be implemented in BI from Q2 2024, and it is recommended to open a local fund custodian account in advance.<\/p>\n<h3><strong>VI. Scenario-based payment experience optimisation<\/strong><\/h3>\n<h4><strong>1. Phased payment (BNPL) penetration<\/strong><\/h4>\n<ul>\n<li><strong>Co-operation with local BNPL service providers (e.g. Kredivo, Akulaku)<\/strong>The company offers 0% interest instalments for high unit price categories (3C, home appliances), which can increase the unit price by 30%+.<\/li>\n<li><strong>Adjustment of risk control strategy<\/strong>: Limit the amount of first-time BNPL users (\u2264 Rp 2 million), and gradually increase the amount after good repurchase.<\/li>\n<\/ul>\n<h4><strong>2. Customised social e-commerce programmes<\/strong><\/h4>\n<ul>\n<li><strong>TikTok Shop\/WhatsApp Commerce Integration<\/strong>: Development of \"in-chat quick payment\" feature to reduce bounce rate<\/li>\n<li><strong>Automatic settlement of commission for group leaders<\/strong>: T+1 auto-payment to e-wallet for community group purchase model<\/li>\n<\/ul>\n<h3><strong>VII. Offline Scene Coverage Strategy<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>irrigation ditch<\/th>\n<th>prescription<\/th>\n<th>applicable population<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Warung Shop<\/td>\n<td>Agent top-up points (collection via QRIS)<\/td>\n<td>Rural cash users<\/td>\n<\/tr>\n<tr>\n<td>ATM network<\/td>\n<td>BCA\/Mandiri ATM Cardless Deposit Code Payment<\/td>\n<td>Middle and old age groups<\/td>\n<\/tr>\n<tr>\n<td>POS retail terminals<\/td>\n<td>Indomaret sweep code payment + small ticket voucher to close the loop<\/td>\n<td>Offline shopping to online repurchase<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>VIII. Precise recall of lost users<\/strong><\/h3>\n<ol>\n<li><strong><em>Intelligent Layered Reach<\/em><\/strong>::\n<ul>\n<li>\"Abandoned users\": GoPay cash vouchers pushed within 2 hours (conversion rate increased by 18%)<\/li>\n<li>\"Sleeping Users\": limited-time free cash-out coupons issued in the first week of each month<\/li>\n<\/ul>\n<\/li>\n<li><strong><em>Religious Holiday Marketing<\/em><\/strong>::<br \/>\nLaunch of 'Hari Raya Cashback' ahead of Eid with a gift box for every purchase made<\/li>\n<\/ol>\n<p>IX. Redundant construction of bank corridors<br \/>\nRecommended<em>Dual channel hot standby solution<\/em>::<\/p>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\nA[transaction request] --&gt; B{amount &lt;500k?}<br>\r\nB --&gt; |Yes| C [Priority routing to e-wallet]<br>\r\nB --&gt; |No| D [go through direct bank connection channel]<br>\r\nC --&gt; E[Failed?] --&gt; F [Automatic switching of DOKU alternate gateway]<br>\r\nD --&gt; G[failure?] --&gt; H [trigger BCA line fallback]<br>\r\n<\/code><\/pre>\n<p>X. Preparation for regulatory sandbox testing<br \/>\nOJK to be piloted in 2024<em>Cross-border QR code interoperability<\/em>Advance placement is recommended.<\/p>\n<ol>\n<li>QRIS Compatibility Test with SGQR\/GPN<\/li>\n<li>Pre-study of interconnectivity of regional wallets such as GrabPay<\/li>\n<\/ol>\n<p><strong><em>Key data objectives.<\/em><\/strong><\/p>\n<ul>\n<li>Compressed average payment length from 4.7 minutes to &lt;90 seconds<\/li>\n<li>COD rejection rate controlled below 8% (current industry average 12%)<\/li>\n<\/ul>\n<p>The next step could be to focus on breakthroughs<em>Islamic Finance Compliance Certification<\/em>(e.g. Sharia-compliant escrow) to capture the incremental market of traditional Muslim merchants. Is there a need to embark on an implementation programme for a specific segment?<\/p>","protected":false},"excerpt":{"rendered":"<p>Enhancing the payment experience and retention in the Indonesian market needs to be tailored to the unique local financial environment, user...<\/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":[39],"tags":[],"class_list":["post-2742","post","type-post","status-publish","format-standard","hentry","category-39"],"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>\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f - 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\/16\/\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\u9700\u8981\u9488\u5bf9\u5f53\u5730\u72ec\u7279\u7684\u91d1\u878d\u73af\u5883\u3001\u7528\u6237&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\/\" \/>\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=\"2025-05-16T10:53:24+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\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\",\"datePublished\":\"2025-05-16T10:53:24+00:00\",\"dateModified\":\"2025-05-16T10:53:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/\"},\"wordCount\":86,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u5370\u5c3c\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/\",\"name\":\"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f - 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\":\"2025-05-16T10:53:24+00:00\",\"dateModified\":\"2025-05-16T10:53:24+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\"}]},{\"@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":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f - 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\/16\/\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\/","og_locale":"en_GB","og_type":"article","og_title":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f","og_description":"\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\u9700\u8981\u9488\u5bf9\u5f53\u5730\u72ec\u7279\u7684\u91d1\u878d\u73af\u5883\u3001\u7528\u6237&hellip;","og_url":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\/","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":"2025-05-16T10:53:24+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\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f","datePublished":"2025-05-16T10:53:24+00:00","dateModified":"2025-05-16T10:53:24+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/"},"wordCount":86,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"articleSection":["\u5370\u5c3c\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/","url":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/","name":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f - 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":"2025-05-16T10:53:24+00:00","dateModified":"2025-05-16T10:53:24+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/en\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f"}]},{"@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\/2742","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=2742"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2742\/revisions"}],"predecessor-version":[{"id":2743,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2742\/revisions\/2743"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=2742"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=2742"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=2742"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}