{"id":3116,"date":"2025-05-31T21:51:19","date_gmt":"2025-05-31T13:51:19","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3116"},"modified":"2025-05-31T21:51:19","modified_gmt":"2025-05-31T13:51:19","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/","title":{"rendered":"How can payment gateways in India avoid fraudulent transactions?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\" alt=\"How can payment gateways in India avoid fraudulent transactions?\" title=\"How can payment gateways in India avoid fraudulent transactions?\"><\/p>\n<p>Preventing fraudulent transactions in Indian payment platforms requires a combination of local regulatory requirements, technological tools and operational strategies. The following are professional recommendations, systematically addressed in 7 dimensions:<\/p>\n<ol>\n<li>Statutory compliance framework<\/li>\n<\/ol>\n<ul>\n<li>Strict adherence to RBI's Payment System Operators Directive (2020)<\/li>\n<li>Implementation of the DPA2018 data protection standard (GDPR equivalent)<\/li>\n<li>Implement PCI DSS Level 1 certification requirements<\/li>\n<li>Establishment of PMLA (anti-money laundering) compliance team<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\n<p>AI Risk Control Matrix<br \/>\n- Deployment of behavioural biometric engines:<\/p>\n<ul>\n<li>Keystroke kinetic analysis (TypingDNA integration)<\/li>\n<li>Device fingerprint + GPS track clustering analysis<br \/>\n- UPI Intelligent Intercept System:<\/li>\n<li>NPCI Transaction Velocity Monitoring<\/li>\n<li>BHIM Aadhaar Pay Anomaly Pattern Detection<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>L3 Merchant Authentication System<br \/>\n\u221a KYC Enhancement Process:<br \/>\nVideo KYC + CKYC database cross validation<br \/>\n\u221a GSTIN dynamic checksum:<br \/>\nAutomatic interfacing to GST portal API for real-time verification<br \/>\n\u221a TDR Smart Scoring:<br \/>\nMerchant credit rating model based on CRISIL data<\/p>\n<\/li>\n<li>\n<p>OTP Security Enhancement Programme<br \/>\n\u25c7 SIM Swap detection system (direct connection with telecommunication operators' API)<br \/>\n\u25c7 OTP geo-fencing technology (restricting cross-state transaction verification)<br \/>\n\u25c7 VoiceOTP alternative programme (for older user groups)<\/p>\n<\/li>\n<li>\n<p>RBI mandatory audit item coverage<br \/>\n\u2713 Daily MIS report generation (in DPSS.CO.PD.No.1815 format)<br \/>\n\u2713 Quarterly CERT-In penetration test<br \/>\n\u2713 Annual RBI Technical Architecture Assessment<\/p>\n<\/li>\n<li>\n<p>Localised Fraud Profile Library<br \/>\n- Paytm Fraud Pattern Library (contains 200+ regional scams)<br \/>\n- UPI ID Blacklist Sharing Alliance<br \/>\n- BharatQR man-in-the-middle attack signature identification<\/p>\n<\/li>\n<\/ol>\n<p>7. Dispute handling SLA mechanism<br \/>\n\" NPCI mandated 2 hour emergency response window<br \/>\n\" Escrow Account Funds Freeze Automation Interface<br \/>\n\" Merchant Chargeback Predictive Modelling<\/p>\n<p>Example of typical case handling process:<br \/>\nWhen the same IP is detected to have initiated 50 UPI Collect requests within 30 minutes, the system will: \u2460 automatically trigger the Additional Factor authentication required by RBI; \u2461 freeze the transaction and send an early warning to the NPCI Fraud Reporting Portal; and \u2462 call Yes Bank's Suspend Settlement API.<\/p>\n<p>It is recommended that the following parameters be updated on a quarterly basis: FAFT list of high risk countries, RBI latest warning cases, NPCI routing rule changes. The above measures will keep the fraud rate below the BPSS baseline of 0.015%.<\/p>\n<p>Okay, I will continue to dive into the technical implementation details and advanced strategies for payments anti-fraud in India, divided into the following core modules to unfold:<\/p>\n<hr>\n<h3><strong>8. Real-time transaction monitoring system architecture<\/strong><\/h3>\n<p><strong>Technology Stack Portfolio:<\/strong><\/p>\n<ul>\n<li><strong>stream processing engine<\/strong>: Apache Flink (handling 2000+ TPS spikes at UPI)<\/li>\n<li><strong>rules engine<\/strong>: Drools + in-house ML model (supports regionalised rule configuration)\n<ul>\n<li>Example: Special risk control strategy for overseas remittances from Kerala<\/li>\n<\/ul>\n<\/li>\n<li><strong>data layer<\/strong>::\n<pre><code class=\"language-python\"># NPCI Transaction Data ETL Example<br>\r\ndef transform_upi_transaction(raw_data).<br>\r\n    return {<br>\r\n        'txn_id': raw_data['NPCI_REF'],<br>\r\n        'geo_hash': geohash.encode(raw_data['lat'], raw_data['lon'], precision=7),<br>\r\n        'device_cluster': DeviceGraph.find_similar(raw_data['device_fp']),<br>\r\n        'is_high_risk': RiskModel.predict(raw_data)<br>\r\n    }<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. UPI\/IMPS dedicated defence programme<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>Type of attack<\/th>\n<th>Means of detection<\/th>\n<th>mitigation<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>QR Code Replacement Scam<\/td>\n<td>CV Image Recognition + Merchant Geolocation Bias Detection<\/td>\n<td>OTP secondary confirmation + dynamic QR code signature<\/td>\n<\/tr>\n<tr>\n<td>SIM card hostage-taking<\/td>\n<td>IMEI-SIM Binding Analysis (Integration with Jio\/Airtel API)<\/td>\n<td>Voice OTP fallback mechanism<\/td>\n<\/tr>\n<tr>\n<td>Mule Account Network<\/td>\n<td>GraphQL query account association mapping<\/td>\n<td>RBI mandates 90-day account activity cooling-off period<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>10. Guidelines for Responding to the New RBI Regulations (Updated 2024)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>eMandate Fraud Protection<\/strong>::<\/p>\n<ul>\n<li>Mandate changes need to trigger dual authorisation (SMS + email)<\/li>\n<li>Auto-debit amount mutation monitoring (&gt;15% fluctuation auto-debit)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Cross-border Payment Enhanced Verification<\/strong>::<\/p>\n<pre><code class=\"language-java\">\/\/ FATF travel rule compliance code snippet<br>\r\nif (transaction.isCrossBorder()) {<br>\r\n    require(LRS(FEMA specification)).<br>\r\n    triggerVostroAccountCheck().<br>\r\n    applyDynamicForexLimit().<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p>AePS biometric authentication against counterfeiting:<br \/>\nUsing Live Detection + Liveness Score Threshold Controls<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>11. AI model-specific optimisation<\/strong><\/h3>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\nA[raw transaction data] --&gt; B{feature engineering}<br>\r\nB --&gt; C [spatio-temporal characteristics]<br>\r\nB --&gt; D [sequence of acts]<br>\r\nC --&gt; E [Geohash grid anomaly detection]<br>\r\nD --&gt; F [LSTM timing analysis]<br>\r\nE &amp; F --&gt; G [XGBoost integrated learning]<br>\r\nG --&gt; H [dynamic risk score 1-100] <br>\r\nH -- score&gt;75 --&gt; I [manual review queue] <br>\r\n<\/code><\/pre>\n<p>Key Indicator Requirements:<\/p>\n<ul>\n<li>Recall rate \u226598% (preventing missed tests)<\/li>\n<li>FP rate \u2264 0.5% (reduced false kills)<\/li>\n<\/ul>\n<hr>\n<h3><strong>12. Bank Collaborative Defence Network<\/strong><\/h3>\n<p>Establish a blockchain-based sharing mechanism:<\/p>\n<ol>\n<li>PAN card blacklisting federation chain (Hyperledger Fabric implementation)<\/li>\n<li>IMPS mule account hotspot map real-time synchronisation<br \/>\n3.CIBIL sub-cross validation interface<\/li>\n<\/ol>\n<p>Partners include.<\/p>\n<pre><code class=\"language-plaintext\">SBI \u2192 Yes Bank \u2192 NPCI Switch \u2192 Razorpay \u2192 Paytm <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>13. Handbook on high-risk scenarios<\/strong><\/h3>\n<h4>Case1: PG route hijacking attack<\/h4>\n<p>\u2705 Immediate action.<br \/>\n-Call CyberCell API to freeze intermediary accounts<br \/>\n-Switches to the alternate PCI-certified channel<\/p>\n<h4>Case2: Bharat BillPay duplicate debits<\/h4>\n<p>\u2705Process.<br \/>\n1. BBPOS system rollback instructions<br \/>\n2. Priority settlement during the NPCI dispute window<br \/>\n3. Auto-refund + compensation interest calculation<\/p>\n<h4>Case 3: Aadhaar Pay fingerprint forgery<\/h4>\n<p>\u2705Response programme.<br \/>\n-Launches UIDAI Level 2 Biocertification<br \/>\n-Triggers CKYCR revalidation<\/p>\n<hr>\n<p>Recommendations for directions that need to be continued and deepened:<br \/>\n\u2460 Design of UAT Environment Stress Test Solution for NPCI<br \/>\n\u2461 Assessment of the Impact of PSS Act Amendments on Prepaid Card Risk Management<br \/>\n\u2462 Innovative applications of Tokenisation (RBI2019) in anti-fraud<\/p>","protected":false},"excerpt":{"rendered":"<p>Preventing fraudulent transactions in Indian payment platforms requires a combination of local regulatory requirements, technological tools and...<\/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":[38],"tags":[],"class_list":["post-3116","post","type-post","status-publish","format-standard","hentry","category-38"],"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>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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\/31\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5728\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u4e2d\u9632\u8303\u6b3a\u8bc8\u4ea4\u6613\u9700\u8981\u7ed3\u5408\u672c\u5730\u76d1\u7ba1\u8981\u6c42\u3001\u6280\u672f\u624b\u6bb5\u548c&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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=\"2025-05-31T13:51:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\" \/>\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\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f\",\"datePublished\":\"2025-05-31T13:51:19+00:00\",\"dateModified\":\"2025-05-31T13:51:19+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/\"},\"wordCount\":131,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\",\"articleSection\":[\"\u5370\u5ea6\u652f\u4ed8\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/\",\"name\":\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\",\"datePublished\":\"2025-05-31T13:51:19+00:00\",\"dateModified\":\"2025-05-31T13:51:19+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage\",\"url\":\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\",\"contentUrl\":\"https:\/\/ts274.mm.bing.net\/th?q=phonepe273\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"\u9996\u9875\",\"item\":\"https:\/\/www.deekpay.com\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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\/31\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f\/","og_locale":"en_GB","og_type":"article","og_title":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f","og_description":"\u5728\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u4e2d\u9632\u8303\u6b3a\u8bc8\u4ea4\u6613\u9700\u8981\u7ed3\u5408\u672c\u5730\u76d1\u7ba1\u8981\u6c42\u3001\u6280\u672f\u624b\u6bb5\u548c&hellip;","og_url":"https:\/\/www.deekpay.com\/en\/2025\/05\/31\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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":"2025-05-31T13:51:19+00:00","og_image":[{"url":"https:\/\/ts274.mm.bing.net\/th?q=phonepe273"}],"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\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#article","isPartOf":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/"},"author":{"name":"deekpay","@id":"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d"},"headline":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\uff1f","datePublished":"2025-05-31T13:51:19+00:00","dateModified":"2025-05-31T13:51:19+00:00","mainEntityOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/"},"wordCount":131,"commentCount":0,"publisher":{"@id":"https:\/\/www.deekpay.com\/#organization"},"image":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage"},"thumbnailUrl":"https:\/\/ts274.mm.bing.net\/th?q=phonepe273","articleSection":["\u5370\u5ea6\u652f\u4ed8"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/","url":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/","name":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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"},"primaryImageOfPage":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage"},"image":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage"},"thumbnailUrl":"https:\/\/ts274.mm.bing.net\/th?q=phonepe273","datePublished":"2025-05-31T13:51:19+00:00","dateModified":"2025-05-31T13:51:19+00:00","breadcrumb":{"@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#primaryimage","url":"https:\/\/ts274.mm.bing.net\/th?q=phonepe273","contentUrl":"https:\/\/ts274.mm.bing.net\/th?q=phonepe273"},{"@type":"BreadcrumbList","@id":"https:\/\/www.deekpay.com\/2025\/05\/31\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e9%81%bf%e5%85%8d%e6%ac%ba%e8%af%88%e4%ba%a4%e6%98%93%ef%bc%9f\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"\u9996\u9875","item":"https:\/\/www.deekpay.com\/"},{"@type":"ListItem","position":2,"name":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u907f\u514d\u6b3a\u8bc8\u4ea4\u6613\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\/3116","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=3116"}],"version-history":[{"count":1,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/3116\/revisions"}],"predecessor-version":[{"id":3117,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/posts\/3116\/revisions\/3117"}],"wp:attachment":[{"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/media?parent=3116"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/categories?post=3116"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.deekpay.com\/en\/wp-json\/wp\/v2\/tags?post=3116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}