{"id":2538,"date":"2025-05-11T11:58:43","date_gmt":"2025-05-11T03:58:43","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2538"},"modified":"2025-05-11T11:58:43","modified_gmt":"2025-05-11T03:58:43","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%98%af%e5%90%a6%e6%94%af%e6%8c%81%e5%88%86%e6%9c%9f%e4%bb%98%e6%ac%be%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/11\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%98%af%e5%90%a6%e6%94%af%e6%8c%81%e5%88%86%e6%9c%9f%e4%bb%98%e6%ac%be%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0\uc11c \ud560\ubd80\ub97c \uc9c0\uc6d0\ud558\ub098\uc694?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts68.mm.bing.net\/th?q=phonepe67\" alt=\"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0\uc11c \ud560\ubd80\ub97c \uc9c0\uc6d0\ud558\ub098\uc694?\" title=\"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0\uc11c \ud560\ubd80\ub97c \uc9c0\uc6d0\ud558\ub098\uc694?\"><\/p>\n<p>\uc608, \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc778\ub3c4\ub294 \ud560\ubd80 \uacb0\uc81c(EMI)\ub97c \uc9c0\uc6d0\ud558\uc9c0\ub9cc \uc815\ud655\ud55c \uc0ac\uc6a9 \uac00\ub2a5 \uc5ec\ubd80\ub294 \uc5ec\ub7ec \uc694\uc778\uc5d0 \ub530\ub77c \ub2ec\ub77c\uc9d1\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc8fc\uc694 \uc694\uc810\uc744 \uc694\uc57d\ud55c \uac83\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>1. \uc9c0\uc6d0\ub418\ub294 \uacb0\uc81c \ubc29\ubc95<\/strong><\/h3>\n<ul>\n<li><strong>\uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc<\/strong>\ub300\ubd80\ubd84\uc758 \uc740\ud589 \ubc0f \uce74\ub4dc \ubc1c\uae09\uc0ac(\uc608: HDFC, ICICI, SBI \uce74\ub4dc)\ub294 \uace0\uc561 \uac70\ub798\ub97c \ud560\ubd80(EMI)\ub85c \uc804\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>BNPL \uc11c\ube44\uc2a4<\/strong>(\uc9c0\uae08 \uad6c\ub9e4, \ub098\uc911\uc5d0 \uacb0\uc81c):\n<ul>\n<li><strong>\ud0c0\uc0ac \ud50c\ub7ab\ud3fc<\/strong>ZestMoney, LazyPay, Simpl \ub4f1\uc740 \ub2e8\uae30 \ud560\ubd80 \uc635\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc804\uc790\uc0c1\uac70\ub798 \ud1b5\ud569<\/strong>\ud50c\ub9bd\uce74\ud2b8 \ub098\uc911\uc5d0 \uacb0\uc81c, \uc544\ub9c8\uc874 \ub098\uc911\uc5d0 \uacb0\uc81c \ub4f1\uc740 \uc1fc\ud551 \uc2dc \ubc14\ub85c \ud560\ubd80 \uc635\uc158\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ubc45\ud06c \ub2e4\uc774\ub809\ud2b8 \ucee4\ub125\ud2b8 EMI<\/strong>\uc77c\ubd80 \ud310\ub9e4\uc790\ub294 \uc740\ud589\uacfc \uc81c\ud734\ud558\uc5ec \uacb0\uc81c \uc2dc 'EMI\ub85c \uc804\ud658' \uc635\uc158\uc744 \ud45c\uc2dc\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624 2.<\/strong><\/h3>\n<ul>\n<li><strong>\uc628\ub77c\uc778 \uacb0\uc81c<\/strong>EMI\ub294 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc(\uc608: \uc544\ub9c8\uc874 \uc778\ub514\uc544, \ud50c\ub9bd\uce74\ud2b8), \uc5ec\ud589 \uc608\uc57d(\uba54\uc774\ud06c\ub9c8\uc774\ud2b8\ub9bd), \uad50\uc721\ube44 \ub4f1\uc5d0\uc11c \uc9c0\uc6d0\ub418\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc624\ud504\ub77c\uc778 POS \uac70\ub798<\/strong>\uc77c\ubd80 \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc5d0\uc11c\ub294 \uc2e0\uc6a9\uce74\ub4dc\ub97c \ud1b5\ud55c \ud560\ubd80 \uc635\uc158\uc744 \ud5c8\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \uc601\ud5a5 \uc694\uc778<\/strong><\/h3>\n<ul>\n<li><em>\ud310\ub9e4\uc790 \ud611\ub825<\/em> \ud560\ubd80\ub97c \uc9c0\uc6d0\ud558\ub294 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774(\uc608: Razorpay, PayU, BillDesk)\uc5d0 \uc561\uc138\uc2a4\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li><em>\uc0ac\uc6a9\uc790 \uc790\uaca9<\/em> \uc2e0\uc6a9 \uc810\uc218, \uce74\ub4dc \uc720\ud615 \ubc0f \ubc1c\uae09\uc0ac \uc815\ucc45\uc740 \uc790\uaca9 \ubc0f \uc774\uc790\uc728\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\uae08\uc804\uc801 \ud55c\ub3c4<\/em> \uc77c\ubc18\uc801\uc73c\ub85c \ub2e8\uc77c \uac70\ub798\ub294 \uc77c\uc815 \uae08\uc561(\uc608: \u20b93,000 \uc774\uc0c1)\uc744 \ucd08\uacfc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>4. \uc8fc\uc758 \uc0ac\ud56d<\/strong><\/h3>\n<p>\uc778\ub3c4\uc758 \uacb0\uc81c \ucc44\ub110 \ud560\ubd80(EMI)\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ub0b4\uc6a9\uacfc \uace0\ub824 \uc0ac\ud56d\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>4. \uc218\uc218\ub8cc \ubc0f \uc774\uc790\uc728<\/strong><\/h3>\n<ul>\n<li><strong>\uc740\ud589\/\uce74\ub4dc \ubc1c\uae09\uc0ac EMI<\/strong>::\n<ul>\n<li>\uc774\uc790\uc728 \ubc94\uc704: \ubcf4\ud1b5<strong>10%-24% \uc5f0 \uc774\uc790\uc728<\/strong>(\uc740\ud589 \ubc0f \uc0ac\uc6a9\uc790 \ud06c\ub808\ub527\uc5d0 \ub530\ub77c \ub2e4\ub984).<\/li>\n<li>\ucc98\ub9ac \uc218\uc218\ub8cc: \uc77c\ubd80 \uc740\ud589\uc5d0\uc11c\ub294 \uc77c\ud68c\uc131 \ucc98\ub9ac \uc218\uc218\ub8cc(\uc608: \uac70\ub798 \uae08\uc561\uc758 1-2%)\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>BNPL \ud50c\ub7ab\ud3fc<\/strong>::\n<ul>\n<li><em>\ubb34\uc774\uc790 \ud560\ubd80<\/em> \uc77c\ubd80 \ud50c\ub7ab\ud3fc\uc740 \ub2e8\uae30 \ubb34\uc774\uc790 \uae30\uac04(\uc608: 3\uac1c\uc6d4)\uc744 \uc81c\uacf5\ud558\uc9c0\ub9cc, \uc5f0\uccb4 \uc2dc \ub192\uc740 \uc704\uc57d\uae08\uc774 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><em>\ub3d9\uc801 \uc774\uc790\uc728<\/em> \uc2e0\uc6a9 \uc810\uc218\uac00 \ub0ae\uc740 \uc0ac\uc6a9\uc790\ub294 \ub354 \ub192\uc740 \uc774\uc790\uc728\uc744 \uc801\uc6a9\ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. EMI \ubcc0\ud658 \ud504\ub85c\uc138\uc2a4<\/strong><\/h3>\n<ol>\n<li><strong>\uc628\ub77c\uc778 \uacb0\uc81c \uc2dc EMI \uc120\ud0dd<\/strong>::\n<ul>\n<li>\uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 'EMI\ub85c \uacb0\uc81c' \uc635\uc158\uc774 \ud45c\uc2dc\ub418\uba70 \uae30\uac04(\uc608: 3\/6\/12\uac1c\uc6d4)\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc2dc\uc2a4\ud15c\uc740 \uc6d4 \uc0c1\ud658\uc561(\uc774\uc790 \ud3ec\ud568)\uc744 \uc2e4\uc2dc\uac04\uc73c\ub85c \uacc4\uc0b0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>EMI\uc758 \uc0ac\ud6c4 \ubcc0\ud658<\/strong>::\n<ul>\n<li><em>\uc2e0\uc6a9 \uce74\ub4dc \uac70\ub798 \ud6c4<\/em> \uc77c\ubd80 \uc740\ud589\uc5d0\uc11c\ub294 \uac70\ub798 \ud6c4 48\uc2dc\uac04\uc5d0\uc11c 30\uc77c \uc774\ub0b4\uc5d0 \uc778\ud130\ub137 \ubc45\ud0b9 \ub610\ub294 \uc571\uc744 \ud1b5\ud574 EMI\ub85c \uc804\ud658\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>6. BNPL \uc11c\ube44\uc2a4\uc758 \uc81c\ud55c \uc0ac\ud56d<\/strong><\/h3>\n<ul>\n<li><em>\ud560\ub2f9\ub7c9 \uc81c\uc5b4<\/em> \uc2e0\uaddc \uc0ac\uc6a9\uc790\ub294 \ucd08\uae30 \ud55c\ub3c4(\uc608: \u20b95,000-\u20b920,000)\uac00 \ub354 \ub0ae\uc73c\uba70, \uc0ac\uc6a9 \ub0b4\uc5ed\uc5d0 \ub530\ub77c \ud55c\ub3c4\uac00 \uc62c\ub77c\uac11\ub2c8\ub2e4.<\/li>\n<li><em>\uc0c1\ud658 \uc720\uc5f0\uc131<\/em> \uc77c\ubd80 \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \uc870\uae30 \uc0c1\ud658\uc744 \ud5c8\uc6a9\ud558\uc9c0\ub9cc \uc794\uc5ec \uc774\uc790 \ub610\ub294 \uc218\uc218\ub8cc\ub97c \ubd80\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. EMI\uc640 BNPL \ube44\uad50<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\ud2b9\uc131\ud654<\/strong><\/th>\n<th><strong>\uae30\uc874 \uc740\ud589 \uce74\ub4dc EMI<\/strong><\/th>\n<th><strong>BNPL \uc11c\ube44\uc2a4(\uc81c\uc2a4\ud2b8\uba38\ub2c8\/\ub808\uc774\uc9c0\ud398\uc774)<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\uc2b9\uc778 \uc18d\ub3c4<\/strong><\/td>\n<td>\uc989\uc2dc(\uae30\uc874 \uce74\ub4dc\uc5d0 \uc758\uc874)<\/td>\n<td>\ucd94\uac00 \ub4f1\ub85d + \uc2e0\uc6a9 \ud3c9\uac00 \ud544\uc694<\/td>\n<\/tr>\n<tr>\n<td><em><strong>\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624<\/strong><\/em><\/td>\n<td>\ub300\ub7c9 \uad6c\ub9e4(\uac00\uc804\uc81c\ud488, \uad50\uc721)<\/td>\n<td>\uc18c\uc561 \uace0\ube48\ub3c4(\uc628\ub77c\uc778 \uc1fc\ud551, \ud14c\uc774\ud06c\uc544\uc6c3)<\/td>\n<\/tr>\n<tr>\n<td><em><strong>\uc2e0\uc6a9 \uc601\ud5a5<\/strong><\/em><\/td>\n<td>\uc2e0\uc6a9 \uc815\ubcf4 \uae30\uad00(CIBIL)\uc5d0 \ub2a6\uac8c \ubcf4\uace0\ud558\uae30<\/td>\n<td>\uc77c\ubd80 \ud50c\ub7ab\ud3fc\uc5d0\uc11c\ub294 \ud5a5\ud6c4 \ub300\ucd9c\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce60 \uc218 \uc788\ub2e4\uace0 \ubcf4\uace0\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 8.<\/strong><\/h3>\n<h4>\uc9c8\ubb38: \"\uc2e0\uc6a9\uce74\ub4dc \uc5c6\uc774 \ud560\ubd80 \uacb0\uc81c\ud560 \uc218 \uc788\ub098\uc694?\"<\/h4>\n<p>&#8211;<strong>Can! \ub2e4\uc74c\uacfc \uac19\uc740 \ub300\uc548\uc774 \uc788\uc2b5\ub2c8\ub2e4:<\/strong><\/p>\n<ol>\n<li>\uc9c1\ubd88 \uce74\ub4dc EMI: ICICI\/HDFC\uc640 \uac19\uc740 \uc740\ud589\uc758 \uc9c1\ubd88 \uce74\ub4dc\ub294 \uc0ac\uc804 \uc2b9\uc778\ub41c \ud560\ubd80\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n2.<strong>\uac00\ub9f9\uc810 \ud611\ub3d9\uc870\ud569 \ub300\ucd9c<\/strong>Bajaj Finserv\uc640 \uac19\uc740 \ud68c\uc0ac\ub294 \uc740\ud589 \uce74\ub4dc\uc640 \ub3c5\ub9bd\uc801\uc73c\ub85c POS \ub300\ucd9c\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ol>\n<h4>Q: \"EMI \ube44\uc6a9\uc744 \uc904\uc774\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?\"<\/h4>\n<p>&#8211;<strong>\ud301.<\/strong><br \/>\n\u2705 \ub2e4\uc591\ud55c \uc740\ud589\uc758 \uae08\ub9ac \ube44\uad50<br \/>\n\uc5f0\ub9d0 \ud504\ub85c\ubaa8\uc158\uc744 \ud1b5\ud55c \uc81c\ub85c \ube44\uc6a9 EMI(\ud310\ub9e4\uc790 \ubcf4\uc870 \uc774\uc790)<br \/>\n\u2705 \ud560\ubd80 \ud69f\uc218 \uac10\uc18c\ub85c \ucd1d \uc774\uc790\uc728 \uac10\uc18c<\/p>\n<h4>\uc9c8\ubb38: \"\uad6d\uc81c \uc2e0\uc6a9 \uce74\ub4dc\uac00 \uc9c0\uc6d0\ub418\ub098\uc694?\"<\/h4>\n<p>&#8211;<strong>\uc81c\ud55c\ub41c \uc9c0\uc6d0<\/strong>\uc544\uba55\uc2a4\/\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\uc5d0\uc11c \ubc1c\uae09\ud55c \uc778\ub3c4 \ud604\uc9c0 \uce74\ub4dc\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc0ac\uc6a9 \uac00\ub2a5\ud558\uc9c0\ub9cc, \ub300\ubd80\ubd84\uc758 \uc678\uad6d \uce74\ub4dc\ub294 \uc778\ub3c4 \uac00\ub9f9\uc810\uc5d0\uc11c \ud560\ubd80 \uae30\ub2a5\uc744 \uc9c0\uc6d0\ud558\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<p>\ud2b9\uc815 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \uc2e4\uc2b5 \uac00\uc774\ub4dc\uac00 \ud544\uc694\ud55c \uacbd\uc6b0(\uc608: \ud50c\ub9bd\uce74\ud2b8 \ub2e8\uacc4\ubcc4 \uc2a4\ud06c\ub9b0\uc0f7 \ub610\ub294 \ub808\uc774\uc800\ud398\uc774 \ud1b5\ud569 \ucf54\ub4dc \uc2a4\ub2c8\ud3ab), \uc774\ub97c \ub354\uc6b1 \uba85\ud655\ud558\uac8c \uc124\uba85\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4!<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc608, \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc740 \ud560\ubd80 \uacb0\uc81c(EMI)\ub97c \uc9c0\uc6d0\ud558\uc9c0\ub9cc \uc815\ud655\ud55c \uc0ac\uc6a9 \uac00\ub2a5 \uc5ec\ubd80\ub294 \ub2e4\uc74c\uc5d0 \ub530\ub77c \ub2e4\ub985\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":[38],"tags":[],"class_list":["post-2538","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\u662f\u5426\u652f\u6301\u5206\u671f\u4ed8\u6b3e\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, 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