{"id":2584,"date":"2025-05-12T14:16:30","date_gmt":"2025-05-12T06:16:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2584"},"modified":"2025-05-12T14:16:30","modified_gmt":"2025-05-12T06:16:30","slug":"%e5%a6%82%e4%bd%95%e5%af%b9%e6%8e%a5%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98api%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%ae%9e%e6%88%98%e6%95%99%e7%a8%8b","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/12\/%e5%a6%82%e4%bd%95%e5%af%b9%e6%8e%a5%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98api%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e5%ae%9e%e6%88%98%e6%95%99%e7%a8%8b\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c API\uc640 \uc5f0\ub3d9\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<h1>\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c API\uc640 \uc5f0\ub3d9\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/h1>\n<h2>I. \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ud070 \ub514\uc9c0\ud138 \uacbd\uc81c\uad6d\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\ub294 \ucd5c\uadfc \uba87 \ub144\uac04 \uc804\uc790\uacb0\uc81c \uc2dc\uc7a5\uc774 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uac70\ub798\uc561\uc740 2025\ub144\uae4c\uc9c0 4,000\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \uc778\ub3c4\ub124\uc2dc\uc544 \uc2dc\uc7a5\uc5d0 \uc9c4\ucd9c\ud558\uace0\uc790 \ud558\ub294 \uae30\uc5c5\uc774\ub77c\uba74 \ud604\uc9c0\uc758 \uc8fc\uc694 \uacb0\uc81c \uc218\ub2e8\uc744 \uc774\ud574\ud558\uace0 \uc811\uadfc\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \ud604\uc9c0\uc5d0\uc11c \ub9ce\uc774 \uc0ac\uc6a9\ub418\ub294 \uacb0\uc81c \ubc29\ubc95\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc740\ud589 \uc1a1\uae08<\/strong>\ub9cc\ub514\ub9ac, BCA, BNI \ub4f1 \uc8fc\uc694 \uc740\ud589\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \uc2e4\uc2dc\uac04 \uc774\uccb4.<\/li>\n<li><strong>\uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/strong>\uc624\ubcf4, \ub2e4\ub098, \ub9c1\ud06c\uc544\uc790 \ub4f1\uc774 \uc2dc\uc7a5\uc744 \uc7a5\uc545\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ud3b8\uc758\uc810 \uacb0\uc81c<\/strong>\uc8fc\uc694 \ud3b8\uc758\uc810 \uccb4\uc778\uc778 \uc778\ub3c4\ub9c8\ub81b\uacfc \uc54c\ud30c\ub9c8\ud2b8\ub294 \uad11\ubc94\uc704\ud55c \ucee4\ubc84\ub9ac\uc9c0\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uac00\uc0c1 \uacc4\uc815<\/strong>\ub9ce\uc740 \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc120\ud638\ud558\ub294 \uc218\uc9d1 \ubc29\ubc95<\/li>\n<\/ul>\n<h2>II. \uc0ac\uc804 \uc900\ube44 \uc791\uc5c5<\/h2>\n<h3>1. \ubc95\uc778 \uc124\ub9bd \uc8fc\uccb4 \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uac74<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c API\ub97c \ub3c4\ud0b9\ud558\uae30 \uc804\uc5d0 \uba3c\uc800 \ud655\uc778\ud574\uc57c \ud560 \uc0ac\ud56d\uc774 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc778\ub3c4\ub124\uc2dc\uc544\uc5d0\uc11c \ud68c\uc0ac \ub4f1\ub85d \uc644\ub8cc(PT PMA \ub610\ub294 \ud604\uc9c0 \ud68c\uc0ac)<\/li>\n<li>\uc911\uc559\uc740\ud589(OJK)\uc5d0\uc11c \ubc1c\uae09\ud55c \uad00\ub828 \uae08\uc735 \ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd(\uc0ac\uc5c5 \uc720\ud615\uc5d0 \ub530\ub77c \ub2e4\ub984)<\/li>\n<li>PCI DSS \uc900\uc218 \uc778\uc99d(\uc2e0\uc6a9 \uce74\ub4dc \uac70\ub798 \ucc98\ub9ac\uc5d0 \ud544\uc694)<\/li>\n<\/ul>\n<h3>2. API \ubb38\uc11c \uc561\uc138\uc2a4<\/h3>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc8fc\ub958 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \ud6cc\ub96d\ud55c \uac1c\ubc1c\uc790 \ubb38\uc11c\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4:<\/p>\n<pre><code>\uacf5\uc2dd \uac1c\ubc1c\uc790 \ud3ec\ud138 \uc608\uc2dc:<br>\r\n- Xendit: developer.xendit.co <br>\r\n- Doku: doku.com\/\uac1c\ubc1c\uc790 <br>\r\n- Midtrans: docs.midtrans.com<br>\r\n<\/code><\/pre>\n<p>\uba3c\uc800 API \ucc38\uc870 \ubb38\uc11c\uc640 \uae30\uc220 \uc0ac\uc591 \ubb38\uc11c \uc804\ubb38\uc744 \uc77d\uc5b4\ubcf4\uc2e4 \uac83\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<h2>III. \uae30\uc220 \ub3c4\ud0b9\uc744 \uc704\ud55c \uc138\ubd80 \ub2e8\uacc4<\/h2>\n<h3>1\ub2e8\uacc4: API \uc778\uc99d \uad6c\uc131<\/h3>\n<p>\ub300\ubd80\ubd84\uc758 \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 OAuth 2.0 \ub610\ub294 Basic Auth \uc778\uc99d\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-python\"># \ud30c\uc774\uc36c \uc608\uc81c - Xendit API \uc778\uc99d<br>\r\n\uac00\uc838\uc624\uae30 \uc694\uccad<br>\r\n<br>\r\nAPI_KEY = \"YOUR_LIVE_SECRET_KEY\"<br>\r\n\ud5e4\ub354 = {<br>\r\n    \"\uad8c\ud55c \ubd80\uc5ec\": f \"\uae30\ubcf8 {api_key}\",<br>\r\n    \"\ucf58\ud150\uce20 \uc720\ud615\": \"application\/json\"<br>\r\n}<br>\r\n<br>\r\n\uc751\ub2f5 = requests.get(<br>\r\n    \"https:\/\/api.xendit.co\/available_virtual_account_banks\", <br>\r\n    \ud5e4\ub354=\ud5e4\ub354)<br>\r\n<\/code><\/pre>\n<p>\uc911\uc694\ud55c \uc548\uc804 \ud301:<br \/>\n\u2714\ufe0f \ud504\ub7f0\ud2b8\uc5d4\ub4dc\uc5d0 API \ud0a4\ub97c \ub178\ucd9c\ud558\uc9c0 \ub9c8\uc138\uc694!<br \/>\n\u2714\ufe0f \ud658\uacbd \ubcc0\uc218\ub97c \uc0ac\uc6a9\ud558\uc5ec \ubbfc\uac10\ud55c \uc815\ubcf4 \uad00\ub9ac\ud558\uae30<br \/>\n\u2714\ufe0f \uc561\uc138\uc2a4 \ubc14\uc6b0\ucc98 \uc815\uae30 \uc21c\ud658<\/p>\n<h3>2\ub2e8\uacc4: \uc6f9\ud6c5 \uc124\uc815 \uac00\uc774\ub4dc<\/h3>\n<p>\ube44\ub3d9\uae30 \uc54c\ub9bc\uc744 \uc62c\ubc14\ub974\uac8c \ucc98\ub9ac\ud558\ub294 \uac83\uc740 \ud575\uc2ec\uc801\uc778 \uce21\uba74\uc785\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-java\">\/\/ \uc790\ubc14 \uc2a4\ud504\ub9c1 \ubd80\ud2b8 \uc0d8\ud50c - \ubbf8\ub4dc\ud2b8\ub79c\uc2a4 \uc54c\ub9bc \ucc98\ub9ac<br>\r\n\ud3ec\uc2a4\ud2b8\ub9e4\ud551(\"\/\uacb0\uc81c \uc54c\ub9bc\")<br>\r\n\uacf5\uc6a9 \uc751\ub2f5 \uc5d4\ud2f0\ud2f0  \ud578\ub4e4 \uc54c\ub9bc(<br>\r\n    \uc694\uccad \ubcf8\ubb38 \uc54c\ub9bc \ud398\uc774\ub85c\ub4dc \ud398\uc774\ub85c\ub4dc, @RequestBody<br>\r\n    \uc694\uccad\ud5e4\ub354(\"X-\uc11c\uba85\") \ubb38\uc790\uc5f4 \uc11c\uba85) {<br>\r\n    <br>\r\n    \/\/ 1. \uc11c\uba85\uc758 \uc720\ud6a8\uc131 \ud655\uc778 <br>\r\n    if(!SignatureTool.verify(payload, signature, merchantKey)){<br>\r\n        \uc751\ub2f5 \uc5d4\ud2f0\ud2f0.\uc0c1\ud0dc(403).\ube4c\ub4dc()\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4;<br>\r\n    }<br>\r\n    <br>\r\n    \/\/ 2. \ube44\uc988\ub2c8\uc2a4 \ub85c\uc9c1 \ucc98\ub9ac...<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\uad6c\ud604\ud574\uc57c \ud558\ub294 \uc720\ud6a8\uc131 \uac80\uc0ac \uba54\ucee4\ub2c8\uc998\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<br \/>\n\u2705 HMAC-SHA256 \uc11c\uba85 \uc778\uc99d<br \/>\n\u2705 IP \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \ud544\ud130\ub9c1(\uc77c\ubc18\uc801\uc778 \uac8c\uc774\ud2b8\uc6e8\uc774 IP\ub294 \uc0ac\uc804 \uad6c\uc131\ud574\uc57c \ud568)<br \/>\n\u2705 \ubb34\ud6a8 \ucc98\ub9ac(\uc911\ubcf5 \uc54c\ub9bc\uc73c\ub85c \uc778\ud55c \uc911\ubcf5 \uccad\uad6c \ubc29\uc9c0)<\/p>\n<h2>3\ub2e8\uacc4: SDK \ud1b5\ud569 \ubaa8\ubc94 \uc0ac\ub840<\/h2>\n<p>\uac1c\ubc1c \ud6a8\uc728\uc131\uc744 \ub192\uc774\uae30 \uc704\ud574 \uacf5\uc2dd SDK\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n<p>Node.js\uc640 Midtrans \ud1b5\ud569 \uc608\uc2dc.<\/p>\n<pre><code class=\"language-javascript\">const midtransClient = require('midtrans-client');<br>\r\n<br>\r\nlet snap = new midtransClient.Snap({<br>\r\n   isProduction : false,<br>\r\n   \uc11c\ubc84\ud0a4 : 'YOUR_SERVER_KEY',<br>\r\n   clientKey : 'YOUR_CLIENT_KEY'<br>\r\n});<br>\r\n<br>\r\nsnap.createTransaction(\ub9e4\uac1c\ubcc0\uc218)<br>\r\n   .then((\ud2b8\ub79c\uc7ad\uc158)=&gt;{<br>\r\n      \ucf58\uc194 \ub85c\uadf8(\ud2b8\ub79c\uc7ad\uc158);<br>\r\n   })<br>\r\n<\/code><\/pre>\n<p>\uac01 \uc5b8\uc5b4\ub85c \ub41c SDG\ub97c \uad6c\ud560 \uc218 \uc788\ub294 \uc8fc\uc18c\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \ub2e4\uc74c \uc8fc\uc18c\uc5d0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<pre><code>\/docs\/sdk | \/\uac1c\ubc1c\uc790 \ub3c4\uad6c | \/\ud1b5\ud569 \ub77c\uc774\ube0c\ub7ec\ub9ac <br>\r\n<\/code><\/pre>\n<h2>4\ub2e8\uacc4: QRIS \uc870\ud654 \ud45c\uc900 \uc561\uc138\uc2a4<\/h2>\n<p>2023\ub144\ubd80\ud130 \ubaa8\ub4e0 \ud310\ub9e4\uc790\ub294 QRIS \uc0c1\ud638 \uc6b4\uc6a9\uc131 \ud45c\uc900\uc744 \uc9c0\uc6d0\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<p>\ud638\ucd9c \ub9e4\uac1c\ubcc0\uc218\uc758 \uc608\uc785\ub2c8\ub2e4.<\/p>\n<pre><code class=\"language-jsonc\">{<br>\r\n    \"QR_\uc720\ud615\": \"\ub3d9\uc801\",<br>\r\n    \"\uae08\uc561\":150,000.<br>\r\n    \"merchant_city\": \"\uc790\uce74\ub974\ud0c0\".<br>\r\n    \"seller_name\": \"YourStoreID\"<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\uc751\ub2f5 \uacb0\uacfc \uad6c\ubb38 \ubd84\uc11d \ud3ec\ucee4\uc2a4 \ud544\ub4dc.<\/p>\n<pre><code>- qr_string \u2192 Base64\ub85c \uc778\ucf54\ub529\ub41c QR\ucf54\ub4dc \uc774\ubbf8\uc9c0 \ub370\uc774\ud130  <br>\r\n- \ub9cc\ub8cc_\uc2dc\uac04 \u2192 UTC \ud615\uc2dd \ub9cc\ub8cc \ud0c0\uc784\uc2a4\ud0ec\ud504   <br>\r\n- \ud2b8\ub79c\uc7ad\uc158_ID \u2192 \ud6c4\uc18d \ucffc\ub9ac\ub97c \uc704\ud55c \uace0\uc720 \uc2dd\ubcc4\uc790   <br>\r\n<\/code><\/pre>\n<p>\ub137\uc9f8, \ud14c\uc2a4\ud2b8\uc758 \uc804 \uacfc\uc815\uacfc \uc628\ub77c\uc778<\/p>\n<p>1\ufe0f\u20e3 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \ud14c\uc2a4\ud2b8 \ud3ec\uc778\ud2b8.<\/p>\n<table>\n<thead>\n<tr>\n<th>\ud14c\uc2a4\ud2b8 \uc2dc\ub098\ub9ac\uc624<\/th>\n<th>\uc608\uc0c1 \uacb0\uacfc<\/th>\n<th>\ub3c4\uad6c \uad8c\uc7a5 \uc0ac\ud56d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uae08\uc561 \uacbd\uacc4 \uac12<\/td>\n<td>-\ucd5c\uc18c 0.01 IDR<br \/>-\ucd5c\ub300 10\uc5b5 IDR\uc744 \uc131\uacf5\uc801\uc73c\ub85c \ucc98\ub9ac\ud588\uc2b5\ub2c8\ub2e4.<\/td>\n<td>\uc6b0\ud3b8 \ubc30\ub2ec\uc6d0<br \/>Newman<\/td>\n<\/tr>\n<tr>\n<td>\ub3d9\uc2dc \uc694\uccad<\/td>\n<td>&lt;500ms \ubbf8\ub9cc\uc758 \uc751\ub2f5 \uc2dc\uac04<br \/>\ub370\uc774\ud130 \uacbd\uc7c1 \ubb38\uc81c \uc5c6\uc74c<\/td>\n<td>JMeter<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>2\ufe0f\u20e3 \ud504\ub85c\ub355\uc158 \ud658\uacbd \uccb4\ud06c\ub9ac\uc2a4\ud2b8.<\/p>\n<p>\u2611\ufe0f SSL \uc778\uc99d\uc11c \uc720\ud6a8 \ubc0f TLS \ubc84\uc804 1.3 \uc774\uc0c1<br \/>\n\u2611\ufe0f \uc7a5\uc560 \uc870\uce58 \uba54\ucee4\ub2c8\uc998 \ubc30\ud3ec(\ucd5c\uc18c \ub4c0\uc5bc AZ \uc544\ud0a4\ud14d\ucc98 \uad8c\uc7a5)<br \/>\n\u2611\ufe0f BI \uc758\ubb34 \uc77c\uc77c \uc870\uc815 \ub0b4\uc5ed\uc11c \uae30\ub2a5 \ud655\uc778\ub428<\/p>\n<p>V. \uc77c\ubc18\uc801\uc778 \uc624\ub958 \ucf54\ub4dc\uc758 \ube60\ub978 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<p>\ubb38\uc81c\uac00 \ubc1c\uc0dd\ud558\uba74 \uc774\ub7ec\ud55c \ube48\ub3c4\uac00 \ub192\uc740 \uc624\ub958\uc758 \uc6b0\uc120\uc21c\uc704\ub97c \uc815\ud558\uc138\uc694.<\/p>\n<table>\n<thead>\n<tr>\n<th>HTTP \uc0c1\ud0dc \ucf54\ub4dc<\/th>\n<th>\uc6d0\uc778 \ubd84\uc11d<\/th>\n<th>\ucc98\ubc29\uc804<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>402 \uacb0\uc81c_\ud544\uc694<\/td>\n<td>\uc794\uc561 \ubd80\uc871\/\ud55c\ub3c4 \ucd08\uacfc \uc0ac\uc6a9<\/td>\n<td>\ud55c\ub3c4 \uc870\uc815\uc744 \uc704\ud574 \uad6c\ub9e4\uc790\uc5d0\uac8c \ubb38\uc758<\/td>\n<\/tr>\n<tr>\n<td>409 \ucda9\ub3cc<\/td>\n<td>\uc8fc\ubb38 \ubc88\ud638 \uc911\ubcf5(\ubb34\ub2a5\ub825 \ud0a4 \uc911\ubcf5)<\/td>\n<td>\uc694\uccad \uc2dd\ubcc4\uc790\ub85c \uc0c8 UUID\ub97c \uc0dd\uc131\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>451 \uc0ac\uc6a9\ud560 \uc218 \uc5c6\ub294_\uc720\ud6a8\ud558\uc9c0 \uc54a\uc740_\ubc95\uc801_\uc774\uc720 BPJSTK\/KYC \ubd88\uc644\uc804\ud55c \uc138\uae08 \ub4f1\ub85d \uc99d\uba85\uc11c \uc81c\ucd9c<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>VI. \uc131\ub2a5 \ucd5c\uc801\ud654 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\ud2b8\ub798\ud53d\uc774 \ub9ce\uc740 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uace0\ub824 \uc0ac\ud56d.<\/p>\n<p>\ub2e8\uc77c \uc694\uccad\uc774 \uc544\ub2cc \ub300\ub7c9 \ucffc\ub9ac \uc778\ud130\ud398\uc774\uc2a4(\uc608:<code>\/batch_status?reference_ids=id1,id2<\/code>)<br \/>\n\uae34 \uc5f0\uacb0 \uc720\uc9c0 \uc0ac\uc6a9(60\ucd08 \uc774\uc0c1\uc758 \uc5f0\uacb0 \uc720\uc9c0 \uc2dc\uac04 \uad8c\uc7a5) \u25b8 \uae34 \uc5f0\uacb0 \uc720\uc9c0 \uc0ac\uc6a9(60\ucd08 \uc774\uc0c1 \uad8c\uc7a5)<br \/>\n\uc815\uc801 \ub370\uc774\ud130\uc758 \ub85c\uceec \uce90\uc2f1(\uc740\ud589 \ubaa9\ub85d \uae08\ub9ac\ud45c \ub4f1\uc758 \uacbd\uc6b0 TTL\uc744 24\uc2dc\uac04 \uc774\uc0c1\uc73c\ub85c \uc124\uc815) \u25b8 \uc815\uc801 \ub370\uc774\ud130\uc758 \ub85c\uceec \uce90\uc2f1<\/p>\n<p>VII. \ud559\uc2b5 \ub9ac\uc18c\uc2a4 \ud655\uc7a5<\/p>\n<p>\uace0\uae09 \uac1c\ubc1c\uc790\ub294 \uc790\uc138\ud788 \uc54c\uc544\ubcfc \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n\u2192 \uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uaddc\uc815 \uc81c21\/2019\ud638 \uc6d0\ubcf8 \uaddc\uc815<br \/>\n\u2192 \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc758 ISO 20022 \uba54\uc2dc\uc9c0 \ud45c\uc900<br \/>\n\u2192 PCI \uac10\uc0ac \ubc94\uc704\ub97c \uc904\uc774\uae30 \uc704\ud55c \ud1a0\ud070\ud654 \uccb4\uacc4\uc758 \uae30\uc220\uc801 \uad6c\ud604<\/p>\n<p> VIII. \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c API \uace0\uae09 \uae30\ub2a5 \uac1c\ubc1c<\/p>\n<p> 1. \ub2e8\uacc4\uc801 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8<\/p>\n<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \ud560\ubd80 \uacb0\uc81c(\uc2dc\uc2e4\ub780)\uc640 \uae30\uc220 \uad6c\ud604 \ud3ec\uc778\ud2b8\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4:<\/p>\n<p>\"`php<br \/>\n\/\/ PHP \uc608\uc81c - Akulaku \uc2a4\ud14c\uc774\uc9d5 \uc778\ud130\ud398\uc774\uc2a4 \ud638\ucd9c<br \/>\n$client = \uc0c8 \\GuzzleHttp\\Client();<br \/>\n$response = $client-&gt;post('https:\/\/api.akulaku.com\/v2\/installment', [<br \/>\n    'headers' =&gt; [<br \/>\n        'X-Api-Key' =&gt; env('AKULAKU_KEY'),<br \/>\n        'Accept' =&gt; 'application\/json'<br \/>\n    ],<br \/>\n    'json' =&gt; [<br \/>\n        'order_id' =&gt; uniqid(),<br \/>\n        'amount' =&gt; 5000000,<br \/>\n        '\ud14c\ub108_\uc635\uc158' =&gt; [3,6,12], \/\/\uc635\uc158 \ud560\ubd80 \uac1c\uc6d4 \uc218<br \/>\n        'customer_phone' =&gt; '+62812XXXXXXXXX'<br \/>\n    ]<br \/>\n]);<\/p>\n<p>\/\/ \ubc18\ud658\ub41c \uc2a4\ud14c\uc774\uc9d5 \uc635\uc158 \uad6c\ubb38 \ubd84\uc11d\ud558\uae30<br \/>\n$plans = json_decode($response-&gt;getBody()-&gt;available_plans;<br \/>\n&#8220;`<\/p>\n<p>\uc8fc\uc694 \ub9e4\uac1c\ubcc0\uc218\uc5d0 \ub300\ud55c \uc124\uba85\uc785\ub2c8\ub2e4:<br \/>\n- \ud14c\ub108_\uc635\uc158: \uc740\ud589\uc5d0\uc11c \uc9c0\uc6d0\ud558\ub294 \uae30\uac04 \uc218\ub97c \ud3ec\ud568\ud574\uc57c \ud569\ub2c8\ub2e4(\uc77c\ubc18\uc801\uc73c\ub85c BCA\uc758 \uacbd\uc6b0 3\/6\/12).<br \/>\n- \ud310\ub9e4\uc790_\uc218\uc218\ub8cc: \ud310\ub9e4\uc790\uac00 \ubd80\ub2f4\ud558\uac70\ub098 \uc0ac\uc6a9\uc790\uac00 \uc9c0\ubd88\ud558\ub294 \uc774\uc790 \ube44\uc6a9\uc744 \uba85\ud655\ud558\uac8c \ud45c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p> 2. DANA \uc804\uc790\uc9c0\uac11\uc758 \uae34\ubc00\ud55c \ud1b5\ud569<\/p>\n<p>DANA API \ud2b9\ubcc4 \uc694\uccad \ucc98\ub9ac \ud504\ub85c\uc138\uc2a4:<\/p>\n<p>\"`javascript<br \/>\n\/\/ Node.js DANA OAuth2.0 \uc778\uc99d \uc608\uc81c<br \/>\nconst crypto = require('crypto');<\/p>\n<p>\ud568\uc218 generateDanaSignature(payload, secret) {<br \/>\n  return crypto.createHmac('sha256', secret)<br \/>\n              .update(JSON.stringify(payload))<br \/>\n              .digest('hex').<br \/>\n}<\/p>\n<p>const authPayload = {<br \/>\n  \ubd80\uc5ec \uc720\ud615: \"\ud074\ub77c\uc774\uc5b8\ud2b8_\uc790\uaca9\uc99d\uba85\",<br \/>\n  client_id: \"YOUR_DANA_MERCHANT_ID\",<br \/>\n  timestamp: new Date().toISOString()<br \/>\n};<\/p>\n<p>const signature = generateDanaSignature(authPayload, \"YOUR_SECRET\");<br \/>\n&#8220;`<\/p>\n<p>\ud2b9\ubcc4\ud55c \uc8fc\uc758:<br \/>\n- \ud0c0\uc784\uc2a4\ud0ec\ud504\ub294 \ubc00\ub9ac\ucd08 \ub2e8\uc704\ub85c \uc815\ud655\ud574\uc57c \ud558\uba70 \uc11c\ubc84\uc640\uc758 \uc2dc\uac04 \ucc28\uc774\uac00 5\ubd84\uc744 \ub118\uc9c0 \uc54a\uc544\uc57c \ud569\ub2c8\ub2e4.<br \/>\n- redirect_url\uc740 HTTPS\ub97c \uc0ac\uc6a9\ud574\uc57c \ud558\uba70 \ub3c4\uba54\uc778 \uc774\ub984\uc774 DANA \ud310\ub9e4\uc790 \ubc31\uc5d4\ub4dc\uc5d0 \ub4f1\ub85d\ub418\uc5b4 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4.  <\/p>\n<p> IX. \ud604\uc9c0\ud654\ub41c \uaddc\uc815 \uc900\uc218 \uac15\ud654 \uc804\ub7b5<\/p>\n<p> 1. BPJS \ucf00\uc138\ud558\ud0c4 \uc0ac\ud68c \ubcf4\uc7a5 \uc790\ub3d9 \uacf5\uc81c<\/p>\n<p>\uc815\ubd80 \uc758\ub8cc \ubcf4\ud5d8 \uc2dc\uc2a4\ud15c\uacfc\uc758 \uc5f0\ub3d9\uc744 \uc704\ud55c \uae30\uc220 \uc0ac\uc591\uc785\ub2c8\ub2e4:<\/p>\n<p>|\ud544\ub4dc\uba85|\uc720\ud615|\uac80\uc99d \uaddc\uce59|<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|bpjs_\ubc88\ud638| \ubb38\uc790\uc5f4| 13\uc790\ub9ac + \uccb4\ud06c \uc22b\uc790 1\uc790\ub9ac|<br \/>\n|\uacb0\uc81c_\uc6d4|\ub0a0\uc9dc_\ud615\uc2dd `YYYY-MM`\uc740 \ud604\uc7ac \uc6d4\ubcf4\ub2e4 \ub2a6\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc694\uccad \uba54\uc2dc\uc9c0\uc758 \uc608\uc785\ub2c8\ub2e4:<br \/>\n\"`xml<br \/>\n<soapenv:envelope xmlns:soapenv=\"http:\/\/schemas.xmlsoap.org\/soap\/envelope\/\" ><br \/>\n   <soapenv:header><br \/>\n      <wsse:security>&#8230;<\/wsse:security><br \/>\n   <\/soapenv:header><br \/>\n   <soapenv:body><br \/>\n      <bpjs:deductrequest><br \/>\n         <member_id>0001234567890<\/member_id><br \/>\n         <amount>150000<\/amount><br \/>\n      <\/bpjs:deductrequest><br \/>\n   <\/soapenv:body><br \/>\n<\/soapenv.Envelope><\/p>\n<p>&#8220;`<br \/>\n\uc911\uc694: \uc774 \uc778\ud130\ud398\uc774\uc2a4\ub294 PJPAB \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud55c \uacb0\uc81c \uae30\uad00\ub9cc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p> 2. \ubd80\uac00\uac00\uce58\uc138(VAT) \uc2e4\uc2dc\uac04 \uacc4\uc0b0<\/p>\n<p>\uc0c1\ud488 \uce74\ud14c\uace0\ub9ac\uc5d0 \ub530\ub77c \ub2e4\ub978 \uc138\uc728\uc774 \uc790\ub3d9\uc73c\ub85c \uc801\uc6a9\ub429\ub2c8\ub2e4:<\/p>\n<p>\"`java<br \/>\n\uacf5\uc6a9 \ud074\ub798\uc2a4 IndoVatCalculator {<\/p>\n<p>    \ube44\uacf5\uac1c \uc815\uc801 \ucd5c\uc885 Map<String, BigDecimal> VAT_RATES = Map.of(<br \/>\n       \"basic_needs\", new BigDecimal(\"0\"), \/\/\uae30\ubcf8 \uc2dd\ube44 \uba74\uc81c<br \/>\n       \"premium_goods\", new BigDecimal(\"11\"), \/\/2024\ub144 \uc0c8\ub85c\uc6b4 \uc138\uc728<br \/>\n       \"digital_services\", \uc0c8\ub85c\uc6b4 BigDecimal(\"11\")<br \/>\n    );<\/p>\n<p>    public Invoice \uacc4\uc0b0(\uc8fc\ubb38 \uc21c\uc11c) {<br \/>\n       BigDecimal rate = VAT_RATES.get(order.getGoodsType());<br \/>\n       \uc0c8 \uc778\ubcf4\uc774\uc2a4(<br \/>\n          order.getAmount(),<br \/>\n          order.getAmount().multiply(rate).divide(100)<br \/>\n       );<br \/>\n} }<br \/>\n&#8220;`<\/p>\n<p>\uc138\uae08 \uaddc\uc815 \ucc38\uace0 \uc0ac\ud56d:<br \/>\n\u2192\uc0ac\uce58\ud488\uc5d0\ub294 10%-40%\uc758 \ucd94\uac00 \ubd80\uac00\uc138\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4.<br \/>\n\u2192 \uad6d\uacbd \uac04 \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \uc5ed\uacfc\uc138 \uba54\ucee4\ub2c8\uc998(RCM) \uc801\uc6a9<\/p>\n<p> X. \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uc7ac\ud574 \ubcf5\uad6c \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \uc7ac\ud574 \ubcf5\uad6c \ud504\ub85c\uadf8\ub7a8 \uc124\uacc4<\/p>\n<p>\ubc30\ud3ec\uc5d0 \uad8c\uc7a5\ub418\ub294 \ubaa8\ub2c8\ud130\ub9c1 \uc9c0\ud45c \ubaa9\ub85d\uc785\ub2c8\ub2e4:<\/p>\n<p>*\ud504\ub85c\uba54\ud14c\uc6b0\uc2a4 \uad6c\uc131 \uc870\uac01*<br \/>\n&#8220;`<br \/>\n\uc2a4\ud06c\ub7a9_\ucee8\ud53c\uadf8.<br \/>\n - job_name:'indonesia_payment'<br \/>\n   metrics_path:'\/\uc561\ucd94\uc5d0\uc774\ud130\/\ud504\ub85c\uba54\ud14c\uc6b0\uc2a4'<br \/>\n   static_configs.<br \/>\n     target:['\uac8c\uc774\ud2b8\uc6e8\uc774-\uc11c\ube44\uc2a4']<\/p>\n<p>\uaddc\uce59_\ud30c\uc77c.<br \/>\n - rules\/payment_alerts.yml # \uc0ac\uc804 \uc815\uc758\ub41c \uaddc\uce59\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<br \/>\n                           #api_error_rate &gt;5%<br \/>\n                           #\uc815\uc0b0_\uc9c0\uc5f0 &gt; 4\uc2dc\uac04<br \/>\n&#8220;`<\/p>\n<p>\uba40\ud2f0 \ub77c\uc774\ube0c \uc544\ud0a4\ud14d\ucc98\uc5d0 \uad8c\uc7a5\ub429\ub2c8\ub2e4:<br \/>\n&#8220;`<br \/>\n\uc774\uc911 \ubc30\ud3ec \uc790\uce74\ub974\ud0c0 \uba54\uc778 \uc13c\ud130 + \ubc14\ud0d0 \uc7ac\ud574 \ubcf5\uad6c \uc13c\ud130<br \/>\n\ub370\uc774\ud130 \ub3d9\uae30\ud654\ub97c \uc720\uc9c0\ud558\ub294 MySQL \uadf8\ub8f9 \ubcf5\uc81c \u21d2 \ub370\uc774\ud130 \ub3d9\uae30\ud654 \uc720\uc9c0<br \/>\n\u21d2 AWS \uae00\ub85c\ubc8c \uc561\uc140\ub7ec\ub808\uc774\ud130\ub85c \uc9c0\ub2a5\ud615 \uacbd\ub85c \uc804\ud658 \uc9c0\uc6d0  <\/p>\n<p>\ub2e4\uc74c \uc870\uac74\uc774 \uac10\uc9c0\ub418\uba74 \uc7a5\uc560 \uc870\uce58\uac00 \uc790\ub3d9\uc73c\ub85c \ud2b8\ub9ac\uac70\ub429\ub2c8\ub2e4:<br \/>\nBCA \ubc45\ud06c \ucc44\ub110 \uc5f0\uc18d \uc7a5\uc560\uac00 \uc784\uacc4\uac12\uc744 \ucd08\uacfc\ud569\ub2c8\ub2e4.<br \/>\n15\ubd84 \uc774\uc0c1 800ms\ub97c \ucd08\uacfc\ud558\ub294 \ud154\ub808\ucf64\uc140 \ubc31\ubcf8 \uc9c0\uc5f0 \uc2dc\uac04   <\/p>\n<p>XI. \uac1c\ubc1c\uc790 \uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 FAQ <\/p>\n<p>Q1: \uacb0\uc81c\ub97c \ubc1b\uc740 \ud6c4 \ub370\ubaa8 \uacc4\uc815\uc758 \uc0c1\ud0dc\uac00 \uc5c5\ub370\uc774\ud2b8\ub418\uc9c0 \uc54a\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<br \/>\n99% DOKU\uc758 POST \uc54c\ub9bc\uc774 \uc62c\ubc14\ub974\uac8c \ucc98\ub9ac\ub418\uc9c0 \uc54a\uc558\uc73c\ubbc0\ub85c Content-Type\uc774 `application\/x-www-form-urlencoded`\uc5ec\uc57c \ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n<p>Q2: BCA \uc740\ud589\uc758 \ubc95\uc778 ID\ub294 \uc5b4\ub5bb\uac8c \ubc1b\ub098\uc694?<br \/>\nSKDP \ud68c\uc0ac \ub4f1\ub85d \uc11c\ub958\ub294 BCA\uc5d0 \uc81c\ucd9c\ud574\uc57c \ud558\uba70, \uc2b9\uc778 \uc8fc\uae30\ub294 \uc77c\ubc18\uc801\uc73c\ub85c \uc601\uc5c5\uc77c \uae30\uc900 7\uc77c\uc785\ub2c8\ub2e4.  <\/p>\n<p>Q3: OVO \uacb0\uc81c\uc5d0\uc11c \"USER_BLOCKED\" \uc624\ub958\ub294 \uc5b4\ub5bb\uac8c \ud574\uacb0\ud558\ub098\uc694?<br \/>\n\ucd5c\uc885 \uc0ac\uc6a9\uc790 \uacc4\uc815\uc5d0 \uc774\uc0c1\uc774 \uc788\uc74c\uc744 \ud45c\uc2dc\ud558\uace0 \uace0\uac1d\uc5d0\uac8c OVO \uace0\uac1d \uc11c\ube44\uc2a4 \ud56b\ub77c\uc778 1500965\ub85c \uc5f0\ub77d\ud558\ub3c4\ub85d \uc548\ub0b4\ud569\ub2c8\ub2e4.  <\/p>\n<p>XII. \ubc84\uc804 \uc5c5\uadf8\ub808\uc774\ub4dc \uad00\ub828 \ucc38\uace0 \uc0ac\ud56d <\/p>\n<p>2024\ub144 \uc8fc\uc694 \ubcc0\uacbd \uc0ac\ud56d \uc54c\ub9bc:<br \/>\nQRIS \ud45c\uc900\uc774 v2.1\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc(\uad6c \ubc84\uc804\uc740 6\uc6d4 \uc911 \ub2e8\uc885 \uc608\uc815)<br \/>\nBI\ub294 \ubaa8\ub4e0 \ud2b8\ub79c\uc7ad\uc158\uc5d0 \ub300\ud574 UAIC \uace0\uc720 \uac10\uc0ac \uc2dd\ubcc4\uc790\ub97c \uc758\ubb34\ud654\ud569\ub2c8\ub2e4.<br \/>\n\ub9c1\ud06c\uc544\uc790 \ud1b5\ud569 \ud50c\ub7ab\ud3fc\uc73c\ub85c \uc810\uc9c4\uc801\uc73c\ub85c \ub9c8\uc774\uadf8\ub808\uc774\uc158\ud558\ub294 GoPay    <\/p>\n<p>\uac01 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\uc758 \uae30\uc220 \uacf5\uc9c0 \uba54\uc77c\ub9c1 \ub9ac\uc2a4\ud2b8\uc5d0 \uac00\uc785\ud558\uc5ec \ucd5c\uc2e0 \uc18c\uc2dd\uc744 \uc801\uc2dc\uc5d0 \uc5c5\ub370\uc774\ud2b8\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \uc774 \uac00\uc774\ub4dc\uc758 \uccb4\uacc4\uc801\uc778 \uc811\uadfc \ubc29\uc2dd\uc744 \ub530\ub974\uba74 \uac1c\ubc1c\uc790\ub294 \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uc0dd\ud0dc\uacc4\uc758 \ud1b5\ud569\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc644\ub8cc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c API\ub97c \ub3c4\ud0b9\ud558\ub294 \ubc29\ubc95?\uac1c\ubc1c\uc790 \uc2e4\uc2b5 \ud29c\ud1a0\ub9ac\uc5bc I. \uc778\ub3c4\ub124\uc2dc\uc544...<\/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":[33],"tags":[],"class_list":["post-2584","post","type-post","status-publish","format-standard","hentry","category-33"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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