{"id":2494,"date":"2025-05-10T15:45:44","date_gmt":"2025-05-10T07:45:44","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2494"},"modified":"2025-05-10T15:45:44","modified_gmt":"2025-05-10T07:45:44","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%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uac00 \uc218\ucd9c \uc9c0\ud5a5 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc5b4\ub5a4 \ub3c4\uc6c0\uc744 \uc904\uae4c\uc694?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts268.mm.bing.net\/th?q=phonepe267\" alt=\"\uc778\ub3c4\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uac00 \uc218\ucd9c \uc9c0\ud5a5 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc5b4\ub5a4 \ub3c4\uc6c0\uc744 \uc904\uae4c\uc694?\" title=\"\uc778\ub3c4\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uac00 \uc218\ucd9c \uc9c0\ud5a5 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc5b4\ub5a4 \ub3c4\uc6c0\uc744 \uc904\uae4c\uc694?\"><\/p>\n<p>\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 \uc218\ucd9c \uc9c0\ud5a5 \uae30\uc5c5\uc5d0\uac8c \uc790\ubcf8 \ud750\ub984\uc758 \ud6a8\uc728\uc131\uc744 \ud06c\uac8c \uac1c\uc120\ud558\uace0 \uc6b4\uc601 \ube44\uc6a9\uc744 \uc808\uac10\ud560 \uc218 \uc788\ub294 \ud6a8\uc728\uc801\uc774\uace0 \uc800\ub834\ud55c \uad6d\uacbd \uac04 \uc218\uae08 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uad6c\uccb4\uc801\uc778 \uc9c0\uc6d0 \ubc29\ubc95\uacfc \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d\uc785\ub2c8\ub2e4:<\/p>\n<p><strong>I. \ud575\uc2ec \uc9c0\uc6d0 \uc774\uc810<\/strong><\/p>\n<ol>\n<li><strong>\ud604\uc9c0\ud654\ub41c \uc218\uc9d1 \ub124\ud2b8\uc6cc\ud06c<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ud604\uc9c0 \uacb0\uc81c\ub97c \uc120\ud638\ud558\ub294 \uc778\ub3c4 \uad6c\ub9e4\uc790\uc758 \uace0\ucda9\uc744 \ud574\uacb0\ud558\uae30 \uc704\ud574 UPI\/RTGS\/NEFT\uc640 \uac19\uc740 \ud604\uc9c0 \uacb0\uc81c \uc218\ub2e8\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>\ub300\ud45c\uc801\uc778 \uc0ac\ub840: \uc911\uad6d\uc758 \ud55c \uae30\uacc4 \uc218\ucd9c\uc5c5\uccb4\ub294 Paytm \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \uc561\uc138\uc2a4\ud558\uc5ec \ud22c\uc790 \ud68c\uc218 \uc8fc\uae30\ub97c 14\uc77c\uc5d0\uc11c T+2\uc77c\ub85c \ub2e8\ucd95\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\uc9c0\ub2a5\ud615 \ud658\uc728 \uad00\ub9ac<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ucd5c\uc801\uc758 \ud658\uc728 \ucc3d\uc744 \ub3d9\uc801\uc73c\ub85c \uc7a0\uadf8\uae30(\uc608: HDFC Bank\uc758 ForexEdge \uc2dc\uc2a4\ud15c)<\/li>\n<li>\uae30\uc874 \uc740\ud589 \ud658\uc804 \ube44\uc6a9\ubcf4\ub2e4 \ud3c9\uade0 1.21%~1.81% \uc808\uc57d \uac00\ub2a5<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>\uaddc\uc815 \uc900\uc218 \uc704\ud5d8 \uad00\ub9ac \uc2dc\uc2a4\ud15c<\/strong><\/li>\n<\/ol>\n<ul>\n<li>FEMA \ubb38\uc11c \uc694\uac74(GSTIN, IEC \ucf54\ub4dc \ub4f1)\uc758 \uc790\ub3d9 \ub9e4\uce6d<\/li>\n<li>Razorpay\uc640 \uac19\uc740 \ud50c\ub7ab\ud3fc\uc740 \uc2e4\uc2dc\uac04 \uc0ac\uae30 \ubc29\uc9c0 \uc2a4\ud06c\ub9ac\ub2dd\uc744 \uc81c\uacf5\ud558\uba70, \uac70\ubd80\uc728\uc744 0.3% \ubbf8\ub9cc\uc73c\ub85c \uc720\uc9c0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p><strong>II. \uae30\uc220 \uc2e4\ud604 \uacbd\ub85c<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 TD<br>\r\nA[\uae30\uc5c5 ERP \uc2dc\uc2a4\ud15c] --&gt;|API \ud638\ucd9c| B(\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569)<br>\r\nB --&gt; C {\uacbd\ub85c \ud310\ub2e8}<br>\r\nC --&gt; |\ub300\uaddc\ubaa8 \uac70\ub798| D[SWIFT \ucc44\ub110]<br>\r\nC --&gt; |\uc911\uc18c\uaddc\ubaa8 \uac70\ub798| E [\ub85c\uceec \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c]<br>\r\nD &amp; E --&gt; F [\uc790\ub3d9 \uc870\uc815 \ubaa8\ub4c8]<br>\r\nF --&gt; G [T+3\uc77c \uc774\ub0b4]<br>\r\n<\/code><\/pre>\n<p><strong>III. \ube44\uc6a9 \ucd5c\uc801\ud654 \uc804\ub7b5<\/strong><\/p>\n<ol>\n<li>\ub2e8\uacc4\ubcc4 \uc694\uae08 \ubaa8\ub378(\uc608: PhonePe\ub294 \uc6d4 \uac70\ub798\uc561\uc774 $50,000 \uc774\uc0c1\uc778 \uace0\uac1d\uc5d0\uac8c 0.5%\uc758 \uc0c1\ud55c \uc694\uae08\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.)<\/li>\n<li>Vostro \uacc4\uc815\uc73c\ub85c \uc911\uac1c \uc740\ud589\uc758 \uc9c0\ubd88 \uac70\uc808 \ubc29\uc9c0(Axis\uc640 \uac19\uc740 \uacf5\uc778 \uc740\ud589\uacfc \ud611\ub825\ud574\uc57c \ud568)<\/li>\n<\/ol>\n<p><strong>IV. \uc704\ud5d8 \uc608\ubc29 \ud3ec\uc778\ud2b8<\/strong><\/p>\n<ol>\n<li>\uacb0\uc81c\uc790\uc758 PAN \uce74\ub4dc \uc815\ubcf4\uc758 \uc9c4\uc704 \uc5ec\ubd80\ub97c \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>RBI\ub294 \ub2e8\uc77c UPI \uacb0\uc81c\uc5d0 200,000\ub8e8\ud53c(\uc57d 2,400\ub2ec\ub7ec)\uc758 \ud55c\ub3c4\ub97c \ubd80\uacfc\ud558\uba70, \uae08\uc561\uc774 \ud074 \uacbd\uc6b0 \ubd84\ud560\ud558\uc5ec \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n3. GST \uc5ed\ucda9\uc804 \uba54\ucee4\ub2c8\uc998\uc758 \uc138\uae08 \ucc98\ub9ac(\uc5ed\ucda9\uc804)<\/li>\n<\/ol>\n<p>\ud604\uc7ac \uc2dc\uc7a5\uc744 \uc120\ub3c4\ud558\ub294 \uc194\ub8e8\uc158 \ube44\uad50:<br \/>\n\ud50c\ub7ab\ud3fc \u2502\uc815\uc0b0 \uc18d\ub3c4 \u2502\uc9c0\uc6d0 \ud1b5\ud654 \u2502\ucd5c\uc800 \uc218\uc218\ub8cc\u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502\ud398\uc774\uc720 \u2502T+2 \u250212\uc885 \u25020.75% \u2502\u2502<br \/>\n\u2502\uc778\uc2a4\ud0c0\ubaa8\uc870\u2502T+1 \u2502INR \uc804\uc6a9 \u25020.5% \uc2dc\uc791 \u2502<br \/>\n\uff5c\uc5d0\uc5b4\uc6d4\ub809\uc2a4\uff5c\uc2e4\uc2dc\uac04 \uc785\uae08\uff5c17\uac1c \ud1b5\ud654\uff5c0 \uc678\ud658 \ub9c8\ud06c\uc5c5<\/p>\n<p>\uc218\ucd9c\uc5c5\uccb4\ub294 \"\uc0ac\uc804 \ud1b5\uad00\" \ubc0f \"\uc120\ud558\uc99d\uad8c \uc5f0\uacc4 \ub9b4\ub9ac\uc2a4\" \uae30\ub2a5\uc744 \ubaa8\ub450 \uc9c0\uc6d0\ud558\ub294 \ud1b5\ud569 \uc194\ub8e8\uc158\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4(\uc608: \ud0c0\uc0ac \uacb0\uc81c API\uac00 \uc788\ub294 ICICI Bank\uc758 ExportPlus \uacc4\uc815). \uc2e0\uaddc \uc0ac\uc6a9\uc790\ub294 \ud68c\uc0ac \uc774\uc0ac\uc758 \uc5ec\uad8c \uacf5\uc99d\uacfc \uc911\uc18c\uae30\uc5c5 \ub4f1\ub85d(\ubcf4\uc870\uae08 \ud61c\ud0dd\uc744 \ubc1b\uae30 \uc704\ud574 \ud544\uc694\ud55c \uacbd\uc6b0)\uc5d0 \ud544\uc694\ud55c KYC\ub97c \uc644\ub8cc\ud574\uc57c \ud55c\ub2e4\ub294 \uc810\uc5d0 \uc720\uc758\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ub2e4\uc74c\uc740 \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0\uc11c \uc218\ucd9c \uc9c0\ud5a5 \ube44\uc988\ub2c8\uc2a4\uc758 \uc5ed\ub7c9\uc744 \uac15\ud654\ud558\uae30 \uc704\ud55c \uace0\uae09 \uc804\ub7b5 \ubc0f \uc2e4\ubb34 \uac00\uc774\ub4dc\ub85c, \ub2e4\uc74c\uacfc \uac19\uc774 \ub098\ub269\ub2c8\ub2e4.<strong>\uc790\ubcf8 \ud6a8\uc728\uc131 \ucd5c\uc801\ud654<\/strong>\ubc0f<strong>\uc138\uae08 \uaddc\uc815 \uc900\uc218 \uac15\ud654<\/strong>\ub178\ub798\ub85c \uc751\ub2f5<strong>\uce5c\ud658\uacbd \ud1b5\ud569 \ud504\ub85c\uadf8\ub7a8<\/strong>3\ucc28\uc6d0\uc774 \ud3bc\uccd0\uc9d1\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>I. \uc7ac\ubb34 \ud6a8\uc728\uc131 \uc2ec\uce35 \ucd5c\uc801\ud654 \ud504\ub85c\uadf8\ub7a8<\/strong><\/h3>\n<h4>1. <strong>\ub3d9\uc801 \ub77c\uc6b0\ud305 \uae30\uc220 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong><\/h4>\n<ul>\n<li><strong>\uc9c0\ub2a5\ud615 \uccad\uad6c \uc2dc\uc2a4\ud15c<\/strong>\uc54c\uace0\ub9ac\uc998\uc744 \ud1b5\ud574 \uc790\ub3d9\uc73c\ub85c \uc218\uc9d1 \uacbd\ub85c\ub97c \ud560\ub2f9\ud569\ub2c8\ub2e4.\n<pre><code class=\"language-python\"># \uc758\uc0ac \ucf54\ub4dc \uc608\uc2dc: \uc591\/\ud0c0\uc774\ubc0d\uc5d0 \uae30\ubc18\ud55c \uc9c0\ub2a5\ud615 \ub77c\uc6b0\ud305<br>\r\ndef payment_router(amount, buyer_type).<br>\r\n    \uae08\uc561 &gt; 200000\uc774\uace0 \uad6c\ub9e4\uc790 \uc720\ud615 == 'B2B'\uc778 \uacbd\uc6b0.<br>\r\n        'SWIFT+\uc2e0\uc6a9\uc7a5'\uc744 \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n    ELIF \uae08\uc561 &lt; 50000.<br>\r\n        'UPI \uc989\uc2dc \uccad\uad6c'\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n    else.<br>\r\n        'NEFT+T+1 \uccad\uc0b0'\uc744 \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\uc2e4\uc81c \ud6a8\uacfc \ube44\uad50 \ud45c<\/strong>::<br \/>\n\uac70\ub798 \uaddc\ubaa8 \u2502\uc804\ud1b5\uc801 \uc811\uadfc \ube44\uc6a9 \u2502\uc2a4\ub9c8\ud2b8 \ub77c\uc6b0\ud305 \ube44\uc6a9 \u2502\uc808\uac10 \ub9c8\uc9c4\u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2524\u2524<br \/>\n\u2502&lt;<x-equation>5k \u2502<\/x-equation>35 \u2502<x-equation>1.2 \u250296% \u2502 \u2502 \u2502 \u2502<\/x-equation>5-50k \u25020.8%+$20 \u25020.3% \u250262% \u2502<\/li>\n<\/ul>\n<h4>2. <strong>\uacf5\uae09\ub9dd \uae08\uc735 \uc5f0\uacc4<\/strong><\/h4>\n<ul>\n<li><strong>B\/L \ud30c\uc774\ub0b8\uc2f1 \uc561\uc140\ub7ec\ub808\uc774\ud130<\/strong>:: PayLater\uc640 \uac19\uc740 \ub3c4\uad6c\ub97c \ud1b5\ud55c \ud604\uae08 \uacb0\uc81c \u2192 \uc885\ub7c9\uc81c \uacb0\uc81c \uc804\ud658<br \/>\n(\uad6d\uc81c \ud329\ud1a0\ub9c1\ubcf4\ub2e4 \ub0ae\uc740 \uc5f0\uac04 \uc774\uc790\uc728\uc778 \uc57d TP3T-12%\ub85c \ucf54\ud0c1 \ub9c8\ud78c\ub4dc\ub77c \uc740\ud589 \ub4f1\uacfc \ud611\ub825\ud574\uc57c \ud569\ub2c8\ub2e4).<\/li>\n<\/ul>\n<hr>\n<h3><strong>II. \uc138\uae08 \uaddc\uc815 \uc900\uc218 \uac1c\uc120 \uc0ac\ud56d<\/strong><\/h3>\n<h4>1. GST \uc5ed \ubd80\uacfc \uc790\ub3d9 \ucc98\ub9ac \ud750\ub984<\/h4>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR<br>\r\nA [\uad6c\ub9e4\uc790 \uacb0\uc81c] --&gt; B {\uae08\uc561 &gt; 10 lakhs?}<br>\r\nB --&gt;|\uc608| C [\uc790\ub3d9 \uacf5\uc81c 18% IGST]<br>\r\nB --&gt; |\uc544\ub2c8\uc694| D [RCM \uc801\uc6a9 \uac70\ub798\ub85c \ud45c\uc2dc\ub428]<br>\r\nC &amp; D --&gt; E [GSTR-1\/3B \ubcf4\uace0\uc11c \uc0dd\uc131]<br>\r\n<\/code><\/pre>\n<h4>2. <strong>\uc8fc\uc694 \ubb38\uc11c \uc81c\ucd9c \ubaa9\ub85d<\/strong><\/h4>\n<ul>\n<li>IEC \uc778\uc99d\uc11c(\uac00\uc838\uc624\uae30 \ub0b4\ubcf4\ub0b4\uae30 \ucf54\ub4dc)<\/li>\n<li>LUT(\uc0ac\uc5c5 \ucc29\uc218\uc11c) \uba74\uc138 \uc2e0\uccad\uc11c<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 \uc218\ucd9c \uc9c0\ud5a5 \uae30\uc5c5\uc744 \uc704\ud55c \ud6a8\uc728\uc801\uc774\uace0 \ube44\uc6a9 \ud6a8\uc728\uc801\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c \uc218\uae08 \uc194\ub8e8\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4...<\/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":[6],"tags":[],"class_list":["post-2494","post","type-post","status-publish","format-standard","hentry","category-6"],"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\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\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\/ko\/2025\/05\/10\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u4e3a\u51fa\u53e3\u578b\u4f01\u4e1a\u63d0\u4f9b\u4e86\u9ad8\u6548\u3001\u4f4e\u6210\u672c\u7684\u8de8\u5883\u6536\u6b3e\u89e3\u51b3\u65b9\u6848&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/10\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\/\" \/>\n<meta property=\"og:site_name\" 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