{"id":3188,"date":"2025-06-04T14:08:59","date_gmt":"2025-06-04T06:08:59","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3188"},"modified":"2025-06-04T14:08:59","modified_gmt":"2025-06-04T06:08:59","slug":"stripe-vs-ipay88%ef%bc%9a%e5%93%aa%e7%a7%8d%e9%80%82%e5%90%88%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%b8%82%e5%9c%ba%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ja\/2025\/06\/04\/%e3%82%b9%e3%83%88%e3%83%a9%e3%82%a4%e3%83%97%e5%af%beipay88%ef%bc%9a%e5%93%aa%e7%a7%8d%e9%80%82%e5%90%88%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e5%b8%82%e5%9c%ba%ef%bc%9f\/","title":{"rendered":"Stripe vs iPay88: \u30de\u30ec\u30fc\u30b7\u30a2\u5e02\u5834\u306b\u9069\u3057\u3066\u3044\u308b\u306e\u306f\uff1f"},"content":{"rendered":"<p>\u30de\u30ec\u30fc\u30b7\u30a2\u5e02\u5834\u306b\u304a\u3051\u308bStripe\u3068iPay88\u306e\u9078\u629e\u306f\u3001\u30d3\u30b8\u30cd\u30b9\u306e\u30bf\u30a4\u30d7\u3001\u30bf\u30fc\u30b2\u30c3\u30c8\u9867\u5ba2\u3001\u6280\u8853\u8981\u4ef6\u306b\u57fa\u3065\u3044\u3066\u7dcf\u5408\u7684\u306b\u8a55\u4fa1\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4ee5\u4e0b\u306f\u4e3b\u306a\u6bd4\u8f03\u5206\u6790\u3067\u3059\uff1a<\/p>\n<hr>\n<h3><strong>1.\u30ed\u30fc\u30ab\u30ea\u30bc\u30fc\u30b7\u30e7\u30f3\u306e\u9069\u5fdc\u6027<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>iPay88<\/strong><\/p>\n<ul>\n<li>\u2705 <strong>\u7d76\u5bfe\u512a\u4f4d<\/strong>\u6771\u5357\u30a2\u30b8\u30a2\u5411\u3051\u306b\u8a2d\u8a08\u3055\u308c\u3001\u30de\u30ec\u30fc\u30b7\u30a2\u306e\u4e3b\u8981\u306a\u652f\u6255\u3044\u65b9\u6cd5\uff08FPX\u30cd\u30c3\u30c8\u30d0\u30f3\u30af\u9001\u91d1\u3001Boost\u3001GrabPay\u3001\u30aa\u30d5\u30e9\u30a4\u30f3\u306e\u30b3\u30f3\u30d3\u30cb\u73fe\u91d1\u30c1\u30e3\u30fc\u30b8\u306a\u3069\uff09\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>\u2705 <strong>\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9<\/strong>\u30d0\u30f3\u30af\u30fb\u30cd\u30ac\u30e9\u30fb\u30de\u30ec\u30fc\u30b7\u30a2\uff08BNM\uff09\u306e\u30e9\u30a4\u30bb\u30f3\u30b9\u3092\u6709\u3057\u3001\u73fe\u5730\u3067\u306e\u30a2\u30af\u30ef\u30a4\u30a2\u30ea\u30f3\u30b0\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u304c\u78ba\u7acb\u3055\u308c\u3066\u3044\u308b\u3002<\/li>\n<li>\u274c \u5f31\u3044\u56fd\u969b\u6c7a\u6e08\uff1a\u30de\u30ec\u30fc\u30b7\u30a2\u3092\u62e0\u70b9\u3068\u3059\u308b\u696d\u52d9\u306b\u306e\u307f\u9069\u3057\u3066\u3044\u308b\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u30b9\u30c8\u30e9\u30a4\u30d7<\/strong><\/p>\n<ul>\n<li>\ud83c\udf0d <strong>\u30b0\u30ed\u30fc\u30d0\u30eb\u30ab\u30d0\u30ec\u30c3\u30b8<\/strong>\u56fd\u969b\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\uff08Visa\/Mastercard\/Amex\uff09\u3001Apple Pay\u306a\u3069\u306b\u5bfe\u5fdc\u3057\u3001\u56fd\u5883\u3092\u8d8a\u3048\u305f\u53d6\u5f15\u306b\u9069\u3057\u3066\u3044\u307e\u3059\u3002<\/li>\n<li>\u2757\ufe0f \u30ed\u30fc\u30ab\u30eb\u306e\u5236\u9650\uff1aFPX\u306e\u3088\u3046\u306a\u30cd\u30a4\u30c6\u30a3\u30d6\u306e\u652f\u6255\u3044\u65b9\u6cd5\u306f\u30b5\u30dd\u30fc\u30c8\u3055\u308c\u3066\u3044\u307e\u305b\u3093\uff08\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u306e\u30d7\u30e9\u30b0\u30a4\u30f3\u3092\u4ecb\u3057\u3066\u7d71\u5408\u3055\u308c\u3066\u3044\u306a\u3044\u5834\u5408\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>2.\u30b3\u30b9\u30c8\u69cb\u9020<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>iPay88<\/strong><br \/>\n\u6599\u91d1\u306f\u901a\u5e381.5%\uff5e3%\uff08\u652f\u6255\u3044\u65b9\u6cd5\u306b\u3088\u308a\u7570\u306a\u308b\uff09\u3067\u3001\u5e74\u4f1a\u8cbb\u306f\u7121\u6599\u3060\u304c\u3001\u521d\u671f\u8a2d\u5b9a\u6599\u304c\u304b\u304b\u308b\u5834\u5408\u304c\u3042\u308b\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u30b9\u30c8\u30e9\u30a4\u30d7<\/strong><br \/>\n\u6a19\u6e96\u30ec\u30fc\u30c82.9% + RM1\/\u30b9\u30c8\u30ed\u30fc\u30af\uff08\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\uff09\u3001\u8a2d\u5b9a\u624b\u6570\u6599\u306f\u7121\u6599\u3067\u3059\u304c\u3001\u901a\u8ca8\u63db\u7b97\u30b3\u30b9\u30c8\u306f\u9ad8\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<\/li>\n<\/ul>\n<blockquote>\n<p>\ud83d\udca1 <em>iPay88\u306f\u3001\u9867\u5ba2\u304c\u4e3b\u306b\u5730\u5143\u306e\u4eba\u3067FPX\uff08\u30ec\u30fc\u30c8\u306f1\u30ea\u30f3\u30ae\u30c3\u30c8\/\u30b9\u30c8\u30ed\u30fc\u30af\u7a0b\u5ea6\uff09\u3092\u4f7f\u3063\u3066\u3044\u308b\u5834\u5408\u3001\u307e\u305f\u306fStripe\u306f\u3001\u56fd\u969b\u7684\u306a\u30e6\u30fc\u30b6\u30fc\u306b\u4f9d\u5b58\u3057\u3066\u3044\u308b\u5834\u5408\u306b\u5b89\u304f\u306a\u308a\u307e\u3059\u3002<\/em><\/p>\n<\/blockquote>\n<hr>\n<h3><strong>3.API\u3068\u958b\u767a\u306e\u67d4\u8edf\u6027<\/strong><\/h3>\n<ul>\n<li>\u30b9\u30c8\u30e9\u30a4\u30d7\u306e\u52dd\u3061\uff1a<br \/>\n\u3088\u308a\u826f\u3044\u958b\u767a\u8005\u5411\u3051\u30c9\u30ad\u30e5\u30e1\u30f3\u30c8\u3001\u30b5\u30d6\u30b9\u30af\u30ea\u30d7\u30b7\u30e7\u30f3\u8ab2\u91d1\u30b7\u30b9\u30c6\u30e0\u3001\u30b5\u30f3\u30c9\u30dc\u30c3\u30af\u30b9\u30c6\u30b9\u30c8\u74b0\u5883\u3092\u63d0\u4f9b\u3059\u308b\u3002<\/li>\n<li>iPay88\u306f\u9280\u884c\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\u3092\u5fc5\u8981\u3068\u3057\u3001\u6280\u8853\u7684\u306b\u3084\u3084\u8907\u96d1\u3067\u3059\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>4.\u9069\u7528\u30b7\u30ca\u30ea\u30aa\u306e\u63d0\u6848<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>iPay88<\/th>\n<th>\u30b9\u30c8\u30e9\u30a4\u30d7<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\u7406\u60f3\u306e\u9867\u5ba2<\/em><\/td>\n<td>\u7d14\u7c8b\u306a\u30de\u30ec\u30fc\u30b7\u30a2\u4eba\u30e6\u30fc\u30b6\u30fc<\/td>\n<td>\u6d77\u5916\u30e6\u30fc\u30b6\u30fc\u307e\u305f\u306f\u6df7\u5408\u5e02\u5834<\/td>\n<\/tr>\n<tr>\n<td><em>\u7523\u696d\u5225\u4e8b\u4f8b<\/em><\/td>\n<td>Lazada, Shopee Malay Station<\/td>\n<td>Airbnb \u8d8a\u5883\u30db\u30b9\u30c8\u3001SaaS\u4f01\u696d<\/td>\n<\/tr>\n<tr>\n<td><em>\u63a8\u85a6\u8a66\u5408<\/em>     + FPX\uff0b\u96fb\u5b50\u30a6\u30a9\u30ec\u30c3\u30c8\u3067\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u3092\u9ad8\u3081\u308b\uff0b\u30b9\u30c8\u30e9\u30a4\u30d7\uff0b\u30a2\u30ea\u30da\u30a4\u3067\u4e2d\u56fd\u30e6\u30fc\u30b6\u30fc\u3092\u53d6\u308a\u8fbc\u3080<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3>\u25b6\ufe0f \u6700\u7d42\u6c7a\u5b9a\uff1a<\/h3>\n<ul>\n<li>\ud83c\uddf2\ud83c\uddfe \u30de\u30ec\u30fc\u30b7\u30a2\u5e02\u5834\u306b\u7126\u70b9\u3092\u5f53\u3066\u307e\u3059\u304b\uff1f\u2192 \u30b3\u30b9\u30c8\u3092\u524a\u6e1b\u3057\u3001\u652f\u6255\u3044\u6210\u529f\u7387\u3092\u9ad8\u3081\u308b\u305f\u3081\u306biPay88\u3092\u304a\u9078\u3073\u304f\u3060\u3055\u3044\u3002<\/li>\n<li>\ud83c\udf0f \u6d77\u5916\u3067\u3082\u540c\u6642\u306b\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\uff1f\u2192 \u73fe\u5730\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\uff08Billplz\u306a\u3069\uff09\u3092Stripe+\u3067\u88dc\u5b8c\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>5.\u305d\u306e\u4ed6\u306e\u4e3b\u306a\u8003\u616e\u4e8b\u9805\uff08\u7d9a\u304d\uff09<\/strong><\/h3>\n<h4><strong>a) \u652f\u6255\u3044\u6210\u529f\u7387\u3068\u30e6\u30fc\u30b6\u30fc\u30fb\u30a8\u30af\u30b9\u30da\u30ea\u30a8\u30f3\u30b9<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>iPay88<\/strong><\/p>\n<ul>\n<li>\u2705 <strong>\u5730\u5143\u30e6\u30fc\u30b6\u30fc\u306e\u7fd2\u6163<\/strong>\u30de\u30ec\u30fc\u30b7\u30a2\u4eba\u306fFPX\u3084\u96fb\u5b50\u8ca1\u5e03\uff08Touch'n Go\u306a\u3069\uff09\u306b\u306a\u3058\u307f\u304c\u3042\u308a\u3001\u652f\u6255\u3044\u6210\u529f\u7387\u3082\u9ad8\u3044\u3002<\/li>\n<li>\u274c <strong>\u56fd\u5883\u3092\u8d8a\u3048\u305f\u5236\u9650<\/strong>\u56fd\u969b\u7684\u306a\u30af\u30ec\u30b8\u30c3\u30c8\u30ab\u30fc\u30c9\u306e\u62d2\u7d76\u7387\u306f\u3001\uff08\u73fe\u5730\u306e\u30ea\u30b9\u30af\u7ba1\u7406\u6226\u7565\u304c\u3088\u308a\u4fdd\u5b88\u7684\u3067\u3042\u308b\u305f\u3081\uff09\u9ad8\u3044\u304b\u3082\u3057\u308c\u306a\u3044\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u30b9\u30c8\u30e9\u30a4\u30d7<\/strong><\/p>\n<ul>\n<li>\ud83c\udf0d <strong>\u30a4\u30f3\u30c6\u30ea\u30b8\u30a7\u30f3\u30c8\u306a\u30eb\u30fc\u30c8\u6700\u9069\u5316<\/strong>\u81ea\u52d5\u7684\u306b\u6700\u9069\u306a\u9280\u884c\u30c1\u30e3\u30cd\u30eb\u3092\u9078\u629e\u3057\u3001\u56fd\u969b\u30ab\u30fc\u30c9\u306e\u62d2\u5426\u7387\u3092\u4f4e\u6e1b\u3057\u307e\u3059\u3002<\/li>\n<li>\u2757\ufe0f\u3001\u3055\u3089\u306a\u308b\u9069\u5fdc\u304c\u5fc5\u8981\u3067\u3042\u308b\u3002\u73fe\u5730\u306e\u652f\u6255\u65b9\u6cd5\u3092\u7d71\u5408\u3067\u304d\u306a\u304b\u3063\u305f\u5834\u5408\u3001\u4e00\u90e8\u306e\u73fe\u5730\u30e6\u30fc\u30b6\u30fc\u3092\u5931\u3046\u53ef\u80fd\u6027\u304c\u3042\u308b\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<blockquote>\n<p>\ud83d\udcca <em>\u30c7\u30fc\u30bf\u53c2\u7167<\/em>\u30de\u30ec\u30fc\u30b7\u30a2\u306b\u304a\u3051\u308b\u96fb\u5b50\u5546\u53d6\u5f15\u306e\u5e73\u5747\u7684\u306a\u6c7a\u6e08\u5931\u6557\u7387\u306f15%-25%\u3067\u3059\u304c\u3001iPay88\u306eFPX\u3092\u5229\u7528\u3059\u308c\u30705%\u4ee5\u4e0b\u306b\u6291\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<\/blockquote>\n<hr>\n<h4><strong>b) \u6c7a\u6e08\u30b5\u30a4\u30af\u30eb\u3068\u5f15\u304d\u51fa\u3057\u3084\u3059\u3055<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>iPay88<\/th>\n<th>\u30b9\u30c8\u30e9\u30a4\u30d7<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><em>\u6c7a\u6e08\u6642\u9593<\/em><\/td>\n<td>T+2~3\u55b6\u696d\u65e5\uff08\u30de\u30ec\u30fc\u53e3\u5ea7\uff09<\/td>\n<td>T+7\u65e5\uff08\u56fd\u969b\u9001\u91d1\uff09+\u70ba\u66ff\u30b3\u30b9\u30c8<\/td>\n<\/tr>\n<tr>\n<td><em>\u91d1\u92ad\u7684\u652f\u63f4<\/em><\/td>\n<td>MYR\u30c0\u30a4\u30ec\u30af\u30c8\u30fb\u30a8\u30f3\u30c8\u30ea\u30fc<\/td>\n<td>MYR\u307e\u305f\u306fUSD\uff08\u70ba\u66ff\u5dee\u640d\u306e\u30ea\u30b9\u30af\uff09<\/td>\n<\/tr>\n<tr>\n<td><em>\u6700\u4f4e\u5f15\u304d\u51fa\u3057\u984d<\/em><\/td>\n<td>RM500<\/td>\n<td>\u7121\u5236\u9650<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud83d\udca1 <em>\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u91cd\u8996\u3059\u308b\u306a\u3089iPay88\u3001\u591a\u901a\u8ca8\u3092\u7ba1\u7406\u3059\u308b\u306a\u3089Stripe\u304c\u9069\u3057\u3066\u3044\u307e\u3059\u3002<\/em><\/p>\n<hr>\n<h4><strong>c) \u696d\u754c\u898f\u5236\u3068\u30ea\u30b9\u30af\u7ba1\u7406<\/strong><\/h4>\n<ul>\n<li>\ud83c\uddf2\ud83c\uddfeBNM \u6e96\u62e0\u8981\u4ef6\uff1a<br \/>\n\u3059\u3079\u3066\u306e\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f2013\u5e74\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u6cd5\u306e\u5bfe\u8c61\u3067\u3042\u308a\u3001iPay88\u306f\u305d\u306e\u4e2d\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059\uff1a<\/p>\n<ul>\n<li>\u26a0\ufe0f \u30ea\u30b9\u30af\u306e\u9ad8\u3044\u696d\u754c\uff08\u30ae\u30e3\u30f3\u30d6\u30eb\u3001\u6697\u53f7\u901a\u8ca8\u306a\u3069\uff09\u306f\u81ea\u52d5\u7684\u306b\u30d6\u30ed\u30c3\u30af\u3055\u308c\u308b\u3002<\/li>\n<li>\ud83d\udcdd \u52a0\u76df\u5e97\u306e\u8cc7\u683c\u8a8d\u5b9a\u30d7\u30ed\u30bb\u30b9\u3092\u7c21\u7d20\u5316\u3059\u308b\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\u30b9\u30c8\u30e9\u30a4\u30d7\u306e\u6311\u6226<br \/>\n\u4e8b\u696d\u304c\u30de\u30ec\u30fc\u30b7\u30a2\u56fd\u5916\u3067\u767b\u9332\u3055\u308c\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u8ffd\u52a0\u306e\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u66f8\u985e\u304c\u5fc5\u8981\u3068\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002<\/li>\n<\/ul>\n<hr>\n<h3>\u25b6\ufe0f \u30a2\u30c9\u30d0\u30f3\u30b9\u30fb\u30b3\u30f3\u30d3\u30cd\u30fc\u30b7\u30e7\u30f3\u30fb\u30d7\u30ed\u30b0\u30e9\u30e0\u63a8\u85a6<\/h3>\n<ol>\n<li>\n<p><strong>[\u9ad8\u5909\u63db\u7248\uff3d<\/strong> iPay88 (FPX\/e-wallet) + Stripe (\u56fd\u969b\u30ab\u30fc\u30c9)<br \/>\n\u2192 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