{"id":2691,"date":"2025-05-14T15:12:25","date_gmt":"2025-05-14T07:12:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2691"},"modified":"2025-05-14T15:12:25","modified_gmt":"2025-05-14T07:12:25","slug":"%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/","title":{"rendered":"\ub3c5\ub9bd \uc6f9\uc0ac\uc774\ud2b8 \ud310\ub9e4\uc790\uac00 \ud544\ub9ac\ud540 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694?"},"content":{"rendered":"

\ub3c5\ub9bd \uc0ac\uc774\ud2b8 \ud310\ub9e4\uc790\ub85c\uc11c \ud544\ub9ac\ud540 \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub824\uba74 \ud604\uc9c0 \uacb0\uc81c \uc2b5\uad00, \uae08\uc735 \uc778\ud504\ub77c \ubc0f \uaddc\uc81c \uc694\uac74\uc744 \uc870\ud569\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc8fc\uc694 \uc804\ub7b5\uacfc \uad6c\uccb4\uc801\uc778 \uc635\uc158\uc785\ub2c8\ub2e4:<\/p>\n

I. \uc8fc\uc694 \uacb0\uc81c\uc218\ub2e8 \uc801\uc6a9 \ubc94\uc704<\/h3>\n
    \n
  1. \n

    \uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc<\/strong><\/p>\n

      \n
    • \ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc \uc5f0\uacb0 \ud544\uc694(\uc801\uc6a9 \ubc94\uc704 85%)<\/li>\n
    • \uc77c\ubcf8 \uad00\uad11\uac1d\uc774 \uc8fc\ub85c \uc0ac\uc6a9\ud558\ub294 JCB\ub97c \ucd94\uac00\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/li>\n
    • 3D \ubcf4\uc548 \uc778\uc99d \uc9c0\uc6d0 \ud544\uc694<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \uc804\uc790 \uc9c0\uac11(\uc6b0\uc120\uc21c\uc704 \ucd08\uc810)<\/strong><\/p>\n

        \n
      • GCash: \uc2dc\uc7a5 \uc810\uc720\uc728 60% \uc774\uc0c1, PayMongo \ub610\ub294 \uc9c1\uc811 API\ub97c \ud1b5\ud55c \uc561\uc138\uc2a4\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n
      • PayMaya: QR\ucf54\ub4dc \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \ub450 \ubc88\uc9f8\ub85c \ud070 \uc9c0\uac11<\/li>\n
      • \uadf8\ub7a9\ud398\uc774: \uc628\ub77c\uc778 \ub80c\ud130\uce74 \uc5c5\uacc4\uc5d0\uc11c \ud655\uc7a5\ub41c \uacb0\uc81c \uc218\ub2e8<\/li>\n<\/ul>\n<\/li>\n
      • \n

        \uc740\ud589 \uc1a1\uae08<\/strong><\/p>\n

          \n
        • InstaPay \uc2e4\uc2dc\uac04 \uc774\uccb4(\ucc98\ub9ac\ub41c \uc804\uc790\uacb0\uc81c 43%)<\/li>\n
        • PESONet \uc77c\uad04 \uccad\uc0b0(\ub300\uaddc\ubaa8 \uac70\ub798\uc6a9)<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

          II. \ud604\uc9c0\ud654 \uc194\ub8e8\uc158<\/h3>\n
            \n
          1. \ud560\ubd80<\/strong>::<\/li>\n<\/ol>\n
              \n
            • Atome: \ubb34\uc774\uc790 \ud560\ubd80 3\ud68c(\uace0\uac1d \ub2e8\uac00 30% \uc99d\uac00\ub85c \uc0c1\ub2f9\ud55c \uc131\uacfc)<\/li>\n
            • \ube4c\ub9ac\uc2a4: \uc800\uc18c\ub4dd\uce35 \ubc0f \uc911\uc0b0\uce35\uc744 \uc704\ud55c \ud560\ubd80 \uc11c\ube44\uc2a4<\/li>\n<\/ul>\n
                <\/p>\n
              1. \ud604\uae08 \uacb0\uc81c<\/strong>::<\/li>\n<\/ol>\n
                  \n
                • \ub4dc\ub798\uace4\ud398\uc774: \uc138\ube10\uc77c\ub808\ube10\uc744 \ud3ec\ud568\ud55c 12,000\uac1c \uc624\ud504\ub77c\uc778 \ub9e4\uc7a5 \uc0ac\uc6a9 \uac00\ub2a5<\/li>\n
                • LBC \uc1a1\uae08: \ub18d\ucd0c \uc9c0\uc5ed\uc758 \uc911\uc694\ud55c \ud604\uae08 \uc218\uae08 \ucc44\ub110<\/li>\n<\/ul>\n

                  III. \uae30\uc220 \uc81c\uacf5 \ud504\ub85c\uadf8\ub7a8<\/h3>\n
                    \n
                  1. \ud1b5\ud569 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc635\uc158<\/strong>::<\/li>\n<\/ol>\n
                      \n
                    • \ud398\uc774\ubabd\uace0(\uac00\uc7a5 \uc644\ubcbd\ud55c \ud604\uc9c0 \uacb0\uc81c\uc218\ub2e8 \ud1b5\ud569) \uc694\uae08 1.5%+\u20b115<\/li>\n
                    • PayPal \ucd94\uac00 \uc561\uc138\uc2a4(\ud574\uc678 \uad6c\ub9e4\uc790 \uc0ac\uc6a9\ub7c9\uc740 28%\ub85c \uc720\uc9c0\ub428)<\/li>\n<\/ul>\n
                        <\/p>\n
                      1. \ubaa8\ubc14\uc77c \ucd5c\uc801\ud654 \ud3ec\ucee4\uc2a4<\/strong>::<\/li>\n<\/ol>\n
                          \n
                        • GCash \uc571 \ub525 \uc810\ud504 \ud1b5\ud569<\/li>\n
                        • SMS \uccad\uad6c\uc11c \uacb0\uc81c \uc790\ub3d9 \ud2b8\ub9ac\uac70 \uae30\ub2a5<\/li>\n<\/ul>\n

                          IV. \uaddc\uc815 \uc900\uc218 \uace0\ub824 \uc0ac\ud56d<\/h3>\n
                            \n
                          1. \n

                            BSP \ub77c\uc774\uc120\uc2a4 \uc694\uad6c \uc0ac\ud56d:
                            \n\uc5f0\uac04 \uac70\ub798 \uae08\uc561\uc774 5\ubc31\ub9cc \ud398\uc18c \ubbf8\ub9cc\uc778 \ud0c0\uc0ac \uc778\uc218\uc790\ub294 EMI \ub77c\uc774\uc120\uc2a4\uac00 \ud544\uc694\ud55c \uacbd\uc6b0 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n

                          2. \n

                            \uc138\uae08 \ucc98\ub9ac:
                            \n\ud45c\uc2dc\ub41c \uc0c1\ud488 \uac00\uaca9\uc5d0\ub294 \ubd80\uac00\uc138\ub97c \ud3ec\ud568\ud55c 12% \ubd80\uac00\uac00\uce58\uc138\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n

                          3. \n

                            KYC \ud2b9\ubcc4 \uc694\uad6c \uc0ac\ud56d:
                            \n\ucd5c\uc18c 2\uac1c\uc758 \uc2e0\ubd84\uc99d(\uc608: \uc2e0\ubd84\uc99d + \uacf5\uacfc\uae08 \uace0\uc9c0\uc11c)\uc744 \uc218\uc9d1\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ol>\n

                            V. \uc6b4\uc601 \uad8c\uc7a5 \uc0ac\ud56d \ub370\uc774\ud130 \ucc38\uc870<\/h3>\n
                              \n
                            1. GCash \uc0ac\uc6a9\uc790\uc758 \ud3c9\uade0 \ucda9\uc804 \uae08\uc561\uc740 1\ud68c \ucda9\uc804\ub2f9 \u20b11500\uc785\ub2c8\ub2e4.<\/li>\n
                            2. COD \uac70\ubd80\uc728 181 TP3T(\uba54\ud2b8\ub85c \ub9c8\ub2d0\ub77c \uc678 \uc9c0\uc5ed\uc5d0\uc11c\ub294 251 TP3T\ub85c \uc99d\uac00)<\/li>\n
                            3. BNPL \uc8fc\ubb38\uc740 \uc77c\ubc18 \uc8fc\ubb38\ubcf4\ub2e4 47% \ub192\uc740 \ube44\uc728\ub85c \uc804\ud658\ub429\ub2c8\ub2e4.<\/li>\n<\/ol>\n

                              \uad6c\ud604 \uacbd\ub85c \uad8c\uc7a5 \uc0ac\ud56d:<\/p>\n

                              \uadf8\ub798\ud504 TD.
                              \r\nA[\uae30\ubcf8 \ube4c\ub4dc] --> |\uccab \ub2ec| B(\uc2e0\uc6a9 \uce74\ub4dc + GCash).
                              \r\nB --> |2\ubd84\uae30 | C [\uc544\ud1b0 \ud560\ubd80 \ucd94\uac00].
                              \r\nC --> | 6\uac1c\uc6d4 \ud6c4 | D [\uc624\ud504\ub77c\uc778 \ud604\uae08 \ucc44\ub110]. 
                              \r\nD --> E [\uc790\uccb4 \uc704\ud5d8 \uad00\ub9ac \ubaa8\ub378 \uad6c\ucd95]
                              \r\n<\/code><\/pre>\n
                              \uc5c5\ub370\uc774\ud2b8 \uc54c\ub9bc: BSP\ub294 2024\ub144\ubd80\ud130 \ubaa8\ub4e0 \uc804\uc790\uc9c0\uac11\uc5d0 SIM \ubc14\uc778\ub529 \uc778\uc99d\uc744 \uc758\ubb34\ud654\ud560 \uc608\uc815\uc774\ubbc0\ub85c \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 \ud734\ub300\ud3f0 \ubc88\ud638 \uc778\uc99d \ub2e8\uacc4\ub97c \ubbf8\ub9ac \ucd94\uac00\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n
                              \uc790, \uc774\uc81c \ud544\ub9ac\ud540 \uacb0\uc81c \uc194\ub8e8\uc158\uc758 \ud655\uc7a5\ub41c \ucf58\ud150\uce20, \ud2b9\ud788 \uc6b4\uc601 \ucd5c\uc801\ud654 \ubc0f \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc \uc139\uc158\uc744 \uc911\uc2ec\uc73c\ub85c \uacc4\uc18d \uc0b4\ud3b4\ubcf4\uaca0\uc2b5\ub2c8\ub2e4:<\/p>\n
                              \n
                              VI. \uc804\ud658\uc728 \ud5a5\uc0c1 \uc804\ub7b5(\uc2e4\uc9c8\uc801\uc778 \ub370\uc774\ud130 \uc9c0\uc6d0)<\/strong><\/h3>\n
                                \n
                              1. \n
                                \uc2a4\ub9c8\ud2b8 \uacb0\uc81c \ubd84\ub958 \uc54c\uace0\ub9ac\uc998<\/strong><\/p>\n
                                  \n
                                • \ud604\uc9c0 \uacb0\uc81c \uc218\ub2e8\uc740 \uc0ac\uc6a9\uc790 IP\uc5d0 \ub530\ub77c \uc790\ub3d9\uc73c\ub85c \uc6b0\uc120 \uc21c\uc704\uac00 \uc9c0\uc815\ub429\ub2c8\ub2e4(\ub9c8\ub2d0\ub77c \uc0ac\uc6a9\uc790\uc5d0\uac8c\ub294 GCash\uac00, \uc9c0\ubc29 \uc9c0\uc5ed\uc5d0\ub294 Dragonpay\uac00 \ud45c\uc2dc\ub428).<\/li>\n
                                • A\/B \ud14c\uc2a4\ud2b8 \uacb0\uacfc, \ucd5c\uc801\ud654 \ud6c4 \uacb0\uc81c \ud3ec\uae30\uc728 221% \uac10\uc18c<\/li>\n<\/ul>\n<\/li>\n
                                • \n
                                  \ud398\uc18c \uac00\uaca9\uc758 \uc2ec\ub9ac\ud559<\/strong><\/p>\n
                                    \n
                                  • \uac00\uaca9 \ub05d\uc790\ub9ac\ub294 '\u20b1500' \ub300\uc2e0 '\u20b1497'\uc744 \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4(\ud604\uc9c0 \uc18c\ube44\uc790\ub4e4\uc740 9\/7\ub85c \ub05d\ub098\ub294 \uac00\uaca9\uc5d0 \ub354 \ubbfc\uac10\ud569\ub2c8\ub2e4).<\/li>\n
                                  • \ub2e8\uac00\uac00 \ub192\uc740 \ud488\ubaa9\uc740 \ubd84\ud560\ud558\uc5ec \ud45c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4:\n
                                    \ucd1d \uac00\uaca9 \u20b15,988 \u2192 \u2192 
                                    \r\n- \uc0c1\ud488 \uac00\uaca9 \u20b15,347  
                                    \r\n- \ubd80\uac00\uac00\uce58\uc138 \u20b1641(12%)
                                    \r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<\/li>\n
                                  • \n
                                    \ud3ec\uae30 \ubcf5\uad6c \ud504\ub85c\uadf8\ub7a8<\/strong><\/p>\n
                                      \n
                                    • GCash \ubbf8\uccb4\uacb0 \uc8fc\ubb38\uc740 SMS \uc54c\ub9bc\uc744 \ud2b8\ub9ac\uac70\ud569\ub2c8\ub2e4(\ubbf8\uccb4\uacb0\ub960 62% \ub300 \uba54\uc77c 18%).<\/li>\n
                                    • \ub4dc\ub798\uace4\ud398\uc774 \uc624\ud504\ub77c\uc778 \uc218\uac70 \ubc14\uc6b0\ucc98 \ub9cc\ub8cc\uc77c\ub85c\ubd80\ud130 24\uc2dc\uac04 \uc774\ub0b4\uc5d0 \ub450 \ubc88\uc758 \uc54c\ub9bc\uc744 \ud478\uc2dc\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                                      \n
                                      VII. \ud2c8\uc0c8 \uc2dc\uc7a5\uc774\uc9c0\ub9cc \uc7a0\uc7ac\ub825\uc774 \ub192\uc740 \ucc44\ub110<\/strong><\/h3>\n\n\n\n\n\n\n\n
                                      \ucc44\ub110 \uc720\ud615<\/th>\n\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624<\/th>\n\uc561\uc138\uc2a4 \ubc29\ubc95<\/th>\nROI \uc0ac\ub840<\/th>\n<\/tr>\n<\/thead>\n
                                      ShopeePay<\/td>\nZ\uc138\ub300 \uc5ec\uc131 \uc0ac\uc6a9\uc790<\/td>\n\uc820\ub527 \uc560\uadf8\ub9ac\uac8c\uc774\uc158 \uac8c\uc774\ud2b8\uc6e8\uc774\ub97c \ud1b5\ud574<\/td>\n\ubdf0\ud2f0 \uce74\ud14c\uace0\ub9ac +40% GMV<\/td>\n<\/tr>\n
                                      Coins.ph<\/td>\n\uc554\ud638\ud654\ud3d0 \ud2b8\ub808\uc774\ub354<\/td>\n\ub2e4\uc774\ub809\ud2b8 API<\/td>\n3C \uce74\ud14c\uace0\ub9ac \ub2e8\uac00 \u219165%<\/td>\n<\/tr>\n
                                      \ud314\ub77c\uc644 \ud2b9\uae09 \uc1a1\uae08\u00a0\u00a0<\/td>\nOFW(\ud574\uc678 \uadfc\ub85c\uc790) \ud648\uc18c\uc2f1 \u2502 17\uc790\ub9ac \uad00\ub9ac \ucf54\ub4dc \uc81c\uacf5 \u2502 \uac00\uad6c \uce74\ud14c\uace0\ub9ac \uc7ac\uad6c\ub9e4\uc728 \u21913\ubc30 \uc99d\uac00<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                                      \n
                                      VIII. \ubc14\ub78c \uc81c\uc5b4\ub97c \uc704\ud55c \ud2b9\ubcc4 \uc694\uad6c \uc0ac\ud56d<\/strong><\/h3>\n
                                        \n
                                      1. \n
                                        \uc9c0\ub9ac\uc801 \uc704\uce58 \ud655\uc778\uc744 \uc704\ud55c \uc774\uc911 \uba54\ucee4\ub2c8\uc998<\/strong>::<\/p>\n
                                          \n
                                        • IP \uc704\uce58 + SIM \uce74\ub4dc \ub808\uc9c0\uc2a4\ud2b8\ub9ac \ub9e4\uce6d(2024\ub144 \uc0c8\ub85c\uc6b4 BSP \uaddc\uc815)<\/li>\n<\/ul>\n<\/li>\n
                                        • \n
                                          \uc0ac\uae30 \ubc29\uc9c0 \uc784\uacc4\uac12 \uc124\uc815\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/strong>::<\/p>\n
                                          \ud544\ub9ac\ud540 \ud2b9\uc218 \uaddc\uc815\uc758 \uc608.
                                          \r\n \uc8fc\ubb38 \uae08\uc561 > \u20b115,000, \uacb0\uc81c \ubc29\ubc95 == 'GCash'.
                                          \r\n     \ucd94\uac00 ID_\uc0ac\uc9c4 + \ub77c\uc774\ube0c \uc140\uce74 \ud544\uc694
                                          \r\n \ubc30\uc1a1 \uc8fc\uc18c\ub97c ['\ubbfc\ub2e4\ub098\uc624'] \ubc0f new_customer\ub85c \uc124\uc815\ud569\ub2c8\ub2e4:
                                          \r\n     \uc218\ub3d9 \uac80\ud1a0 \ud50c\ub798\uadf8 \ud65c\uc131\ud654
                                          \r\n<\/code><\/pre>\n<\/li>\n
                                        • \n
                                          \ube14\ub799\ub9ac\uc2a4\ud2b8 \ub370\uc774\ud130\ubca0\uc774\uc2a4 \uad6c\ub3c5<\/strong>::<\/p>\n
                                            \n
                                          • LGU(\uc9c0\ubc29 \uc815\ubd80 \ub2e8\uc704)\uc5d0\uc11c \ubc1c\ud45c\ud55c \uc0ac\uae30 \ud56b\uc2a4\ud31f \ubaa9\ub85d<\/li>\n
                                          • \ud1b5\uc2e0\uc0ac\uc5d0\uc11c \uc81c\uacf5\ud558\ub294 \ube44\uc815\uc0c1\uc801\uc778 \ub514\ubc14\uc774\uc2a4\uc758 \uc9c0\ubb38 \ub77c\uc774\ube0c\ub7ec\ub9ac<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                                            \n
                                            IX. \ubb3c\ub958 \uc5f0\uacc4 \uacb0\uc81c \uc124\uacc4<\/strong><\/h3>\n
                                              \n
                                            1. COD \uc0ac\uc804 \ud504\ub85c\uadf8\ub7a8:<\/li>\n<\/ol>\n
                                                \n
                                              • \"50% \uc120\uacb0\uc81c + 50% \ub300\uae08 \uc0c1\ud658\"(\uc804\uccb4 COD\uc5d0\uc11c 20%\uc758 \uac70\ubd80 \uc704\ud5d8 \uac10\uc18c)<\/li>\n<\/ul>\n
                                                  <\/p>\n
                                                1. LBC \ubb3c\ub958 \uc218\uac70\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \ucde8\uae09:<\/li>\n<\/ol>\n
                                                  \uc2dc\ud000\uc2a4 \ub2e4\uc774\uc5b4\uadf8\ub7a8
                                                  \r\n\ud310\ub9e4\uc790->>LBC: \uc804\uc6a9 \uc218\uae08 \uacc4\uc815 \uc0dd\uc131(\uc8fc\ubb38 ID \ud3ec\ud568)
                                                  \r\nLBC->>\uad6c\ub9e4\uc790:\ud604\uae08 \uacb0\uc81c \uc2dc QR\ucf54\ub4dc \uc2a4\uce94\ud558\uae30
                                                  \r\nLBC \uc2dc\uc2a4\ud15c->>\uc140\ub7ec ERP: \uacb0\uc81c \uc0c1\ud0dc\uc758 \uc2e4\uc2dc\uac04 \ub3d9\uae30\ud654(\uc624\ub958 15\ubd84 \ubbf8\ub9cc)
                                                  \r\n<\/code><\/pre>\n
                                                  \n
                                                  X. 2024\ub144 \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc5d0 \ub300\ud55c \uc870\uae30 \uacbd\ubcf4<\/strong><\/h3>\n
                                                  1\ufe0f\u20e3 [\ud3ed\ubc1c\uc801 \uc99d\uac00 \uc911] GCash \ubd07\uc744 \ud1b5\ud55c \ud154\ub808\uadf8\ub7a8 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uc218\uc9d1<\/p>\n
                                                  2\ufe0f\u20e3 [\uc815\ucc45 \uc704\ud5d8] BSP, \uc804\uc790\uc9c0\uac11 \uc1a1\uae08 \uc2dc 0.5%-1\u2030 \uc218\uc218\ub8cc \uc81c\uc548<\/p>\n
                                                  3\ufe0f\u20e3 [\uae30\uc220 \ud601\uc2e0] \uc2a4\ub9c8\ud2b8 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158\uc988, SIM \ub0b4\uc7a5\ud615 NFC \uacb0\uc81c \uace7 \ucd9c\uc2dc \uc608\uc815<\/p>\n
                                                  \uc989\uac01\uc801\uc778 \uc870\uce58\ub97c \uc704\ud55c \ud3ec\uc778\ud2b8:
                                                  \n\ub300\ub7c9 \ud658\ubd88 \uae30\ub2a5\uc744 \uc0ac\uc6a9\ud558\ub824\uba74 GCash \ud310\ub9e4\uc790 \uacc4\uc815\uc744 \ube44\uc988\ub2c8\uc2a4 \ud504\ub85c \ud328\ud0a4\uc9c0\ub85c \uc5c5\uadf8\ub808\uc774\ub4dc\ud574\uc57c \ud569\ub2c8\ub2e4.
                                                  \n\ub4dc\ub798\uace4\ud398\uc774 \uc778\ud130\ud398\uc774\uc2a4\ub294 6\uac1c\uc6d4 \uc774\ub0b4\uc5d0 v3\ub85c \ub9c8\uc774\uadf8\ub808\uc774\uc158\ud574\uc57c \ud569\ub2c8\ub2e4(OAuth 2.0 \ud544\uc218).<\/p>\n
                                                  \ud2b9\uc815 \uce74\ud14c\uace0\ub9ac(\uc608: \uc0b0\ubaa8\/\uc720\uc544\uc6a9\ud488\/FMCG\/\uc804\uc790\uc81c\ud488)\uc5d0 \ub300\ud55c \ud2b9\uc815 \uad6c\uc131 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud55c \uacbd\uc6b0, \uc790\uc138\ud55c \uc815\ubcf4\ub97c \uc81c\uacf5\ud558\uc5ec \ucd9c\ub825\uc744 \ub9de\ucda4\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n
                                                  \uc544\ub798\ub294 \uc0c8\ub85c\uc6b4 \uc2dc\ub098\ub9ac\uc624, \uc218\uc9c1 \uc0b0\uc5c5 \uc194\ub8e8\uc158 \ubc0f \uae30\ubcf8 \uae30\uc220 \uc138\ubd80 \uc0ac\ud56d\uc5d0 \uc911\uc810\uc744 \ub454 \ud544\ub9ac\ud540\uc758 \uacb0\uc81c\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \ubcf4\uc644 \ud504\ub85c\uadf8\ub7a8\uc785\ub2c8\ub2e4:<\/p>\n
                                                  —<\/p>\n
                                                   XI. \uc885\uad50 \uacf5\ud734\uc77c \ud53c\ud06c \uacb0\uc81c \ub300\uc751 \ud504\ub85c\uadf8\ub7a8
                                                  \n (12\uc6d4 \ud06c\ub9ac\uc2a4\ub9c8\uc2a4 \uc2dc\uc98c\/3\uc6d4 \uc131\uc8fc\uac04\uacfc \uac19\uc740 \ud2b9\ubcc4 \uae30\uac04\uc5d0 \uc801\uc6a9\ub428)
                                                  \n1. \uc120\ubd88\uce74\ub4dc \ucc44\ub110\uc774 \ud3ed\ubc1c\uc801\uc73c\ub85c \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4:
                                                  \n   - SM \uc2a4\ud1a0\uc5b4 \uc120\ubd88\uce74\ub4dc \uc774\uc6a9(\ud544\ub9ac\ud540 \uc804\uc5ed 1,200\uac1c \ub9e4\uc7a5\uc5d0\uc11c \uc0ac\uc6a9 \uac00\ub2a5)
                                                  \n   - \uae30\uc220\uc801 \uad6c\ud604: \ud398\uc774\ub098\ubbf9\uc2a4 \uac8c\uc774\ud2b8\uc6e8\uc774\ub97c \ud1b5\ud55c '\uc120\ubd88\uce74\ub4dc' \uc804\uc6a9 \uac70\ub798 \ucc44\ub110 \uc81c\uacf5
                                                  \n   - \ub370\uc774\ud130: 2023\ub144 \ud06c\ub9ac\uc2a4\ub9c8\uc2a4 \uc2dc\uc98c\uc5d0 \ud558\ub8e8 \uac70\ub798\uc561\uc774 2\uc5b5 3\ucc9c\ub9cc \ud30c\uc6b4\ub4dc\ub85c \ucd5c\uace0\uce58\ub97c \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n
                                                  2. \uad50\ud68c \ud611\ub825 \ucc44\ub110:
                                                  \n   - CEFI(\uac00\ud1a8\ub9ad \uc804\uc790 \uacb0\uc81c \uc774\ub2c8\uc154\ud2f0\ube0c)\uc640\uc758 \uc778\ud130\ud398\uc774\uc2a4
                                                  \n   - \uad50\ud68c \uae30\ubd80 \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \uad50\ud68c \ub300\uc2e0 \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\ucd94\uac00 \uc218\uc218\ub8cc 1.5%\uac00 \ubc1c\uc0dd\ud558\uc9c0\ub9cc \uc804\ud658\uc728\uc774 \ub192\uc74c).<\/p>\n
                                                  \"`javascript
                                                  \n\/\/ \ud734\uc77c \uac10\uc9c0 \uc2dc \uc790\ub3d9 \ud2b8\ub9ac\uac70\ub418\ub294 \ud504\ub85c\ubaa8\uc158 \ucf54\ub4dc \uc608\uc2dc
                                                  \nif (userLocation === 'PH' && new Date().getMonth() === 11) {
                                                  \n    showChristmasBundle('GCash \ub3c5\uc810 \ubc88\ub4e4').
                                                  \n}
                                                  \n“`<\/p>\n
                                                  —<\/p>\n
                                                   XII. \ud2c8\uc0c8 \uc0b0\uc5c5\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \ud504\ub85c\uadf8\ub7a8
                                                  \n A. \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4(\uc911\uad6d \uc140\ub7ec\ub9cc \ud574\ub2f9)
                                                  \n- \uc704\uc548\ud654-\ud398\uc18c \ubb34\uc190\uc2e4 \uacb0\uc81c:
                                                  \n  \uc5d0\uc5b4\uc6d4\ub809\uc2a4 + \ud398\uc18c\ub2e4\uc774\ub809\ud2b8 \ucc44\ub110\uc744 \ud1b5\ud55c \ud398\uc18c \ub370\ubaa8 \uacc4\uc815
                                                  \n- \uad00\uc138 \uc120\ub0a9\" \uae30\ub2a5:
                                                  \n  \ud1b5\uad00 \uc9c0\uc5f0\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 BOC \uad00\uc138 \uacc4\uc0b0\uae30 API\ub97c \uc0bd\uc785\ud558\uc138\uc694.<\/p>\n
                                                   B. \uac8c\uc784 \uc0b0\uc5c5\uc740 \ucc44\ub110\uc744 \uc5f0\uacb0\ud574\uc57c \ud569\ub2c8\ub2e4
                                                  \n| \uacb0\uc81c \ubc29\ubc95 | SDK \uc5f0\ub3d9 \uc8fc\uae30 | ARPPU \ubd80\uc2a4\ud305 \ud6a8\uacfc |
                                                  \n|—————-|————-|—————|
                                                  \n\uac00\ub808\ub098 \uc258 \u2502 \uc601\uc5c5\uc77c \uae30\uc900 3\uc77c \u2502 +220% | |
                                                  \n| \ubaa8\ubc14\uc77c \ub808\uc804\ub4dc \ub2e4\uc774\uc544\ubaac\ub4dc \u2502 \ub2e4\uc774\ub809\ud2b8 API \u2502 +175% |<\/p>\n
                                                   C. \uc9c1\uc811 \uc774\ucee4\uba38\uc2a4 \uc870\ud569
                                                  \n1. \ud2f1\ud1a1 \ud3d0\uc1c4\ud615 \ud504\ub85c\uadf8\ub7a8:
                                                  \n   \uccad\uad6c\uc11c \uc790\ub3d9 \ubd84\ud560\uc744 \uc704\ud55c \ubc88\ub4e4 TikTok Shop \ud310\ub9e4\uc790 \uc9c0\uac11
                                                  \n2. \ud398\uc774\uc2a4\ubd81 \ub77c\uc774\ube0c \uc2a4\ud398\uc15c:
                                                  \n   \uc2e4\uc2dc\uac04 \ud654\uba74\uc5d0\uc11c \uc2e4\uc2dc\uac04\uc73c\ub85c \uc0c8\ub85c\uace0\uce68\ud560 \ub4dc\ub798\uace4\ud398\uc774 \uce90\uc2dc \ucf54\ub4dc\ub97c \uc0dd\uc131\ud558\uc138\uc694.  <\/p>\n
                                                  —<\/p>\n
                                                   \uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0\uc5d0 \uad00\ud55c \uae30\uc220 \ubc31\uc11c 13.
                                                  \n\"``\uc778\uc5b4\uacf5\uc8fc
                                                  \n\uc21c\uc11c\ub3c4 LR
                                                  \nA[\ud310\ub9e4\uc790 \uc2dc\uc2a4\ud15c] -> B{\uacbd\ub85c \ud310\ub2e8}
                                                  \nB -> | \uae08\uc561<\u20b150k| C[RCBC InstaPay]\nB -->|\uae08\uc561 \u20b150,000 \uc774\uc0c1| D[UnionBank PESONet]
                                                  \nC & D -> E((\uc554\ud638\ud654\ub41c \ud130\ub110))
                                                  \nE -> F [BPI \uccad\uc0b0\uc18c]
                                                  \n“`
                                                  \n\uc8fc\uc694 \ub9e4\uac1c\ubcc0\uc218 \uad6c\uc131:
                                                  \n\"`xml
                                                  \n
                                                  \n
                                                  \n 2<\/version>
                                                  \n PHxxxxxx<\/merchant_id>
                                                  \n SHA512<\/hash_algorithm> 
                                                  \n<\/instapay>
                                                  \n“`<\/p>\n
                                                  —<\/p>\n
                                                   XIV. \ud1b5\uc2e0 \uc0ac\uc5c5\uc790 \uccad\uad6c \ud1b5\ud569
                                                  \n (\ub514\uc9c0\ud138 \uc0c1\ud488\/\uc11c\ube44\uc2a4\uc5d0 \uc801\ud569)
                                                  \n1. \uc2a4\ub9c8\ud2b8 \ucee4\ubba4\ub2c8\ucf00\uc774\uc158 \"\uccad\uad6c\uc11c \uc735\ud569\":
                                                  \n   - \uc911\uc18c\uae30\uc5c5 \ud328\ud0a4\uc9c0: \uac00\uc785\uc790 \uccad\uad6c\uc11c \ud1b5\ud569 \uacb0\uc81c(\ud55c\ub3c4 \u20b1300\/\uac74)
                                                  \n   - API \uc624\ub958 \ucf54\ub4dc \ucc98\ub9ac \ud3ec\ucee4\uc2a4:
                                                  \n     \"`python
                                                  \n     error_code == 'SMC_102'.
                                                  \n         retry_after(3600) # SIM \uce74\ub4dc \uc794\uc561 \ub0c9\uac01 \uae30\uac04 \ubd80\uc871
                                                  \n     “`<\/p>\n
                                                  2 \uae00\ub85c\ube0c \ud154\ub808\ucf64 '\ud2b8\ub798\ud53d \ud06c\ub808\ub527' \ud50c\ub808\uc774:
                                                  \n   \uc0d8\ud50c \uc0ac\uc6a9 \uaddc\uce59:
                                                  \n   $10 Steam \uc9c0\uac11 \ucf54\ub4dc \uad6c\ub9e4 = 1GB \ud2b8\ub798\ud53d \uc18c\ube44 + \u20b145 \uc794\uc561  <\/p>\n
                                                  —<\/p>\n
                                                   \"\ud68c\uc0c9 \uc601\uc5ed\" \uc704\ud5d8\uc5d0 \ub300\ud55c \uc870\uae30 \uacbd\uace0* * XV.
                                                  \n\u26a0\ufe0f [\ubc95\uc801 \uc9c0\ub8b0\ubc2d] \ub2e4\uc74c \ud589\uc704\ub85c \uc778\ud574 BSP\uac00 \uc790\uae08\uc744 \ub3d9\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:
                                                  \n- \uc6d4 \u20b1200,000\ub97c \ucd08\uacfc\ud558\ub294 GCash \uacc4\uc815 \uac04 \uc7a6\uc740 \uc774\uccb4(\uc5c5\ubb34\uc6a9\uc740 \uc0ac\uc804\uc5d0 \ubcf4\uace0\ud574\uc57c \ud568)
                                                  \n- \ube44\uc988\ub2c8\uc2a4 \uceec\ub809\uc158\uc6a9 PayMaya \uac1c\uc778 \uacc4\uc815(\ube44\uc988\ub2c8\uc2a4 \uacc4\uc815 \uc5c5\uadf8\ub808\uc774\ub4dc \ud544\uc694)  <\/p>\n
                                                  \u2705 [\uaddc\uc815 \uc900\uc218 \ub300\uc548] UBX\uc758 '\uc0cc\ub4dc\ubc15\uc2a4 \ubd84\ub9ac \uacc4\uc815'\uc744 \uc0ac\uc6a9\ud558\uba74 \uac01 \uac70\ub798\uc5d0 \ub300\ud574 \ubcc4\ub3c4\uc758 \uac00\uc0c1 \uacc4\uc815\uc744 \uc790\ub3d9\uc73c\ub85c \uc0dd\uc131\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n
                                                  — <\/p>\n
                                                  \ud604\uc7a5 \uad6c\ud604 \uc9c0\uc6d0\uc774 \ub354 \ud544\uc694\ud55c \uacbd\uc6b0 \ucd9c\ub825\ubb3c\uc5d0 \ub300\ud55c \uad6c\uccb4\uc801\uc778 \uc815\ubcf4\ub97c \uc81c\uacf5\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.
                                                  \n\ud83d\udd39 GCash \uc704\ucc57 \uc560\ud50c\ub9bf \uc810\ud504 \uae30\uc220 \ub9e4\ub274\uc5bc
                                                  \n\ud83d\udd39 \uba54\ud2b8\ub85c \ub9c8\ub2d0\ub77c \uc9c0\uc5ed\uacfc \ube44\uc0ac\uc57c\uc2a4 \uc9c0\uc5ed\uc758 \uacb0\uc81c \uc804\ub7b5 \ucc28\uc774 \ud45c
                                                  \n\ud83d\udd39 \"\ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc758 AML \uccb4\ud06c\ub9ac\uc2a4\ud2b8 \uc5c5\ub370\uc774\ud2b8<\/p>","protected":false},"excerpt":{"rendered":"
                                                  \ub3c5\ub9bd \uc6f9\uc0ac\uc774\ud2b8 \ud310\ub9e4\uc790\ub85c\uc11c \ud544\ub9ac\ud540 \uc0ac\uc6a9\uc790 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub824\uba74 \ud604\uc9c0 \uacb0\uc81c \uc2b5\uad00, \uae08\uc735...<\/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":[32],"tags":[],"class_list":["post-2691","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"\n\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\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, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/14\/\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u4f5c\u4e3a\u72ec\u7acb\u7ad9\u5356\u5bb6\uff0c\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\u9700\u8981\u7ed3\u5408\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u91d1\u878d…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/14\/\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\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=\"2025-05-14T07:12:25+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\uff1f\",\"datePublished\":\"2025-05-14T07:12:25+00:00\",\"dateModified\":\"2025-05-14T07:12:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/\"},\"wordCount\":196,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u83f2\u5f8b\u5bbe\u652f\u4ed8\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/05\/14\/%e7%8b%ac%e7%ab%8b%e7%ab%99%e5%8d%96%e5%ae%b6%e5%a6%82%e4%bd%95%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e7%94%a8%e6%88%b7%e4%bb%98%e6%ac%be%ef%bc%9f\/\",\"name\":\"\u72ec\u7acb\u7ad9\u5356\u5bb6\u5982\u4f55\u652f\u6301\u83f2\u5f8b\u5bbe\u7528\u6237\u4ed8\u6b3e\uff1f - 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