{"id":2780,"date":"2025-05-17T14:08:59","date_gmt":"2025-05-17T06:08:59","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2780"},"modified":"2025-05-17T14:08:59","modified_gmt":"2025-05-17T06:08:59","slug":"%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/","title":{"rendered":"Analysis of the Current Status and Prospects of Digital Payment Development in Vietnam"},"content":{"rendered":"

Vietnam's digital payments industry has developed rapidly in recent years to become one of the fastest growing markets in Southeast Asia. It is analysed below in four dimensions: current situation, drivers, challenges and prospects:<\/p>\n

I. Status of development<\/h3>\n
    \n
  1. \n

    market size<\/strong><\/p>\n

      \n
    • Vietnam's digital payment turnover expected to top $30bn in 2023, growing at 25% annually (Fitch Solutions data)<\/li>\n
    • E-wallet users exceed 40 million, accounting for more than 50% of the adult population (State Bank of Vietnam data)<\/li>\n<\/ul>\n<\/li>\n
    • \n

      Major Player Landscape<\/strong><\/p>\n

        \n
      • Locally dominated: MoMo (market share over 50%), ZaloPay (under VNG), VNPAY<\/li>\n
      • Foreign participation: GrabPay (Singapore), Moca (with Ant Group)<\/li>\n
      • Bank-based products: Viettel Pay (military background), MB Bank and other banks' mobile payments<\/li>\n<\/ul>\n<\/li>\n
      • \n

        Mainstream application scenarios<\/strong><\/p>\n

          \n
        • QR code payment penetration has reached 78% (2022 Nielsen report)<\/li>\n
        • Highest share of bill payments (utilities\/tuition) (42%)<\/li>\n
        • Rapid growth of e-commerce payment share to 35% (driven by platforms such as Lazada\/Tiki)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

          II. Core drivers<\/h3>\n
            \n
          1. Policy support<\/strong>
            \nThe Government's \"cashless\" strategy is well targeted:<\/li>\n<\/ol>\n
              \n
            • The Electronic Payments Development Plan 2021-2025 calls for an average annual growth of 20% in non-cash transactions<\/li>\n
            • Post COVID accelerates drive to digitise payments for government services<\/li>\n<\/ul>\n
                <\/p>\n
              1. Well-established infrastructure<\/strong>
                \n-Smartphone penetration reaches 73% (We Are Social data)
                \n4G network covers 98% population, 5G pilot launched<\/li>\n<\/ol>\n

                3.youth dividend<\/strong>
                \n70% population is under 35 years old, with Internet natives making up the bulk of the population<\/p>\n

                4.Fintech Investment Boom<\/strong>
                \n870 million invested in 2022 (large case: MoMo gets $200 million Series D led by UBS)<\/p>\n

                III. Existing challenges
                \n1.Lagging regulatory framework<\/strong>
                \n-P2P Transfer Limit Controversy (current single transfer limit is about $430)
                \nSlow approval of cross-border payment licences<\/p>\n

                2.Insufficient penetration in rural areas<\/strong>
                \nCash transactions still account for 60% of overall payments (World Bank Research)<\/p>\n

                3.Profit model under exploration<\/strong>*
                \nMost e-wallets are not yet profitable, relying on subsidies to gain customers<\/p>\n

                4.*Rising security risks<\/em>
                \nOnline financial fraud surges 162% year-on-year in 2022<\/p>\n

                IV. Outlook for development
                \nShort-term (1-3 years).
                \n- Accelerated process of harmonisation of QR code standards (led by Napas)
                \n- Expansion of biometric payment technology applications (face recognition transactions expected to double)
                \n- Buy now, pay later (BNPL) could be exploding<\/p>\n

                Medium-term trend.
                \n- Open Banking API push will reconfigure the ecosystem
                \n- Digital Currency Pilot Could Land (CBDC Testing on the Agenda)
                \n- Asean regional connectivity brings cross-border opportunities<\/p>\n

                Long-term potential points.
                \nSuper App model integrates more life services (MoMo has access to 40+ scenarios such as medical registration)
                \nBlue Ocean Market for Digital Acquiring for MSMEs<\/p>\n

                Suggested Areas of Interest.
                \n\u2460Supply Chain FinTech Solutions
                \n\u2461 Customised payment products for agricultural scenarios
                \n\u2462 Opportunities for in-depth cooperation with telecommunication operators<\/p>\n

                Overall, with 75% internet penetration rate and continuous policy support, Vietnam's golden period of digital payment development will continue for more than five years. However, enterprises need to pay attention to balancing the speed of innovation and compliance costs, while paying attention to the development of differentiated demand in second- and third-tier cities.<\/p>\n

                Analysis of the current status and prospects of digital payment development in Vietnam (continued)<\/strong><\/h3>\n

                V. Analysis of market segmentation opportunities<\/strong><\/h4>\n
                  \n
                1. \n

                  Cross-border payments and remittances<\/strong><\/p>\n

                    \n
                  • Vietnam is among the top 10 remittance-receiving countries in the world (projected to reach $19 billion in 2023, World Bank data)<\/li>\n
                  • Main pain points: high handling fee (5-7%), slow arrival (1-3 days) in traditional channels<\/li>\n
                  • Emerging solutions: blockchain cross-border settlement pilots (e.g. VNPAY testing with Ripple), direct e-wallet remittances<\/li>\n<\/ul>\n<\/li>\n
                  • \n

                    Social e-commerce payment integration<\/strong><\/p>\n

                      \n
                    • Small Merchant Transactions Surge on Facebook\/Zalo and Other Platforms, but Rely on Cash Collections<\/li>\n
                    • MoMo has already launched the \"Shopee Pay Later\" model, and may expand to TikTok Shop and other platforms in the future.<\/li>\n<\/ul>\n<\/li>\n
                    • \n

                      Digitisation of public transport<\/strong><\/p>\n

                        \n
                      • Ho Chi Minh City Metro Line 1 (opening in 2024) to support e-wallet ticketing<\/li>\n
                      • Grab SuperApp model may be replicated for public transport systems (refer to JakLingko case in Indonesia)<\/li>\n<\/ul>\n<\/li>\n
                      • \n

                        Agricultural supply chain finance<\/strong>
                        \nAgricultural products such as coffee\/rice are still traded on a cash basis and there is huge scope for digitisation.<\/p>\n<\/li>\n<\/ol>\n

                          \n
                        • Application of electronic scale + QR code payment in the field (similar to China's \"DuoDuo Buying\")<\/li>\n
                        • Microfinance services based on transaction data (VNPAY has been piloted)<\/li>\n<\/ul>\n
                          \n

                          VI. Direction of technological evolution<\/strong><\/h4>\n\n\n\n\n\n\n\n
                          technological trend<\/th>\nCurrent progress<\/th>\npotential impact<\/th>\n<\/tr>\n<\/thead>\n
                          AI risk control<\/td>\nVPBank Deploys AI Anti-Fraud System to Reduce 30% Bad Debt Rate<\/td>\nSmall and medium-sized payment companies may purchase third-party risk control SaaS<\/td>\n<\/tr>\n
                          Tokenisation<\/td>\nNapas drives EMVCo standards to the ground<\/td>\nNFC mobile phone payment share may rise from 12% to 25%+<\/td>\n<\/tr>\n
                          CBDC (Central Bank Digital Currency)<\/td>\nPhase1 testing completed, focusing on wholesale applications<\/td>\nMay be pioneered for government subsidy distribution scenarios<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                          \n

                          VII. Suggestions for Foreign Investment Entry Strategies<\/strong><\/h4>\n

                          For international players such as PayPal and Alipay, a differentiated path is recommended.<\/p>\n

                            \n
                          1. B2B Priority<\/em>:
                            \nCutting through services to cross-border e-commerce sellers (40% sellers on Lazada in Vietnam need cross-border collection solutions)<\/li>\n
                          2. Technology export model<\/em>:
                            \nProviding cloud computing\/big data capabilities to local banks (Vietcombank has adopted AWS Financial Cloud)<\/li>\n
                          3. strengthen by merger and acquisition (M&A)<\/em>:
                            \nVertical specialists such as education bill payment platform OnPay could be acquired<\/li>\n<\/ol>\n
                            \n

                            VIII. Risk early warning indicators<\/strong><\/h4>\n

                            Investors should pay close attention to the following signals.
                            \n\u2705Policy: Progress on the revision of the Foreign Exchange Management Measures for Non-Banking Institutions
                            \n\u2705Market Side: When will MoMo\/VNPAY achieve stable profitability?
                            \n\u2705Technical: QRPh (Asean Unified QR Code Standard) landing schedule in Vietnam<\/p>\n

                            \n

                            Conclusion Outlook<\/strong><\/h3>\n

                            Vietnam's digital payments are undergoing a transition from 'high growth' to 'high quality growth'. The key winners and losers for the next three years are.
                            \n\ud83d\udd39Can we break through the last kilometre of the rural market (Agency point network construction is key)
                            \n\ud83d\udd39 Whether a sustainable closed loop of realisation is formed (share of high margin business such as advertising\/credit etc.)
                            \n\ud83d\udd39 Openness of regulatory sandbox innovation pilots<\/p>\n

                            Conservative projections to 2026.
                            \n- E-wallet penetration to reach 65% (now about 50%)
                            \n- BNPL market size crosses $1.5bn
                            \n- First fintech unicorn to be valued at over $5bn emerges<\/p>","protected":false},"excerpt":{"rendered":"

                            Vietnam's digital payments industry has grown rapidly in recent years, becoming the fastest growing market in Southeast Asia...<\/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":[34],"tags":[],"class_list":["post-2780","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"\n\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\" \/>\n<meta property=\"og:description\" content=\"\u8d8a\u5357\u7684\u6570\u5b57\u652f\u4ed8\u884c\u4e1a\u8fd1\u5e74\u6765\u53d1\u5c55\u8fc5\u901f\uff0c\u6210\u4e3a\u4e1c\u5357\u4e9a\u5730\u533a\u589e\u957f\u6700\u5feb\u7684\u5e02…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/\" \/>\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=\"2025-05-17T06:08:59+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<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\",\"datePublished\":\"2025-05-17T06:08:59+00:00\",\"dateModified\":\"2025-05-17T06:08:59+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\"},\"wordCount\":81,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u8d8a\u5357\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\",\"name\":\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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\":\"2025-05-17T06:08:59+00:00\",\"dateModified\":\"2025-05-17T06:08:59+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\"}]},{\"@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":"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/","og_locale":"en_GB","og_type":"article","og_title":"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790","og_description":"\u8d8a\u5357\u7684\u6570\u5b57\u652f\u4ed8\u884c\u4e1a\u8fd1\u5e74\u6765\u53d1\u5c55\u8fc5\u901f\uff0c\u6210\u4e3a\u4e1c\u5357\u4e9a\u5730\u533a\u589e\u957f\u6700\u5feb\u7684\u5e02…","og_url":"https:\/\/www.deekpay.com\/en\/2025\/05\/17\/\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790\/","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":"2025-05-17T06:08:59+00:00","author":"deekpay","twitter_card":"summary_large_image","twitter_misc":{"Written by":"deekpay"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790","datePublished":"2025-05-17T06:08:59+00:00","dateModified":"2025-05-17T06:08:59+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/"},"wordCount":81,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"articleSection":["\u8d8a\u5357\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/","url":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/","name":"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790 - 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":"2025-05-17T06:08:59+00:00","dateModified":"2025-05-17T06:08:59+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/2025\/05\/17\/%e8%b6%8a%e5%8d%97%e6%95%b0%e5%ad%97%e6%94%af%e4%bb%98%e5%8f%91%e5%b1%95%e7%8e%b0%e7%8a%b6%e4%b8%8e%e5%89%8d%e6%99%af%e5%88%86%e6%9e%90\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"\u8d8a\u5357\u6570\u5b57\u652f\u4ed8\u53d1\u5c55\u73b0\u72b6\u4e0e\u524d\u666f\u5206\u6790"}]},{"@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\/2780","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=2780"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2780\/revisions"}],"predecessor-version":[{"id":2782,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/2780\/revisions\/2782"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=2780"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=2780"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=2780"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}