{"id":2733,"date":"2025-05-16T18:43:02","date_gmt":"2025-05-16T10:43:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2733"},"modified":"2025-05-16T18:43:02","modified_gmt":"2025-05-16T10:43:02","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%92%8cpaypal%e7%9a%84%e6%9c%80%e5%a4%a7%e5%8c%ba%e5%88%ab%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/16\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%92%8cpaypal%e7%9a%84%e6%9c%80%e5%a4%a7%e5%8c%ba%e5%88%ab%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \uac00\uc7a5 \ud070 \ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts293.mm.bing.net\/th?q=phonepe292\" alt=\"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \uac00\uc7a5 \ud070 \ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?\" title=\"\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \uac00\uc7a5 \ud070 \ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?\"><\/p>\n<p>\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \ud575\uc2ec\uc801\uc778 \ucc28\uc774\uc810\uc740 \uc8fc\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \uc601\uc5ed\uc5d0 \uc788\uc73c\uba70, \uc774\ub7ec\ud55c \ucc28\uc774\ub294 \ud604\uc9c0\ud654\ub41c \uc0dd\ud0dc\uacc4\uc640 \uad6d\uc81c \ud50c\ub7ab\ud3fc \uac04\uc758 \ubcf8\uc9c8\uc801\uc778 \ucc28\uc774\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \ubc0f \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc(\uc608: UPI \uae30\ubc18 Paytm\/PhonePe)\uc740 NPCI(National Payments Corporation)\uc758 \uc2e4\uc2dc\uac04 \uacb0\uc81c \ud504\ub85c\ud1a0\ucf5c\uacfc \uc774\uc911 \uc778\uc99d \ud45c\uc900\uc744 \ub530\ub77c\uc57c \ud558\uba70, \ud604\uc9c0\ud654\ub41c \ub370\uc774\ud130 \uc800\uc7a5\uc744 \uac15\uc81c\ud569\ub2c8\ub2e4.<\/li>\n<li>\uad6d\uc81c \ud50c\ub7ab\ud3fc\uc778 PayPal\uc740 \uc8fc\ub85c FATF \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ud504\ub808\uc784\uc6cc\ud06c\ub97c \uc900\uc218\ud558\uba70, \uad6d\uacbd \uac04 \uac70\ub798\ub294 \ucd94\uac00 RFC \uc138\uae08 \uc2e0\uace0\uc11c\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\uae30\uc220 \uad6c\ud604 \uacc4\uce35<\/strong><\/li>\n<\/ol>\n<ul>\n<li>UPI\ub294 \uacc4\uce35\ud615 QR\ucf54\ub4dc \ud45c\uc900(Bharat QR)\uc744 \uc0ac\uc6a9\ud558\uc5ec 2\ucd08 \ubbf8\ub9cc\uc758 \uacb0\uc81c \uc9c0\uc5f0 \uc2dc\uac04\uc73c\ub85c \uc989\uc2dc \uc740\ud589 \uacc4\uc88c\uc5d0 \uce68\ud22c\ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>PayPal\uc740 \uce74\ub4dc \uc870\uc9c1 \ub124\ud2b8\uc6cc\ud06c(Visa\/\ub9c8\uc2a4\ud130\uce74\ub4dc \uccad\uc0b0 \ucc44\ub110)\uc5d0 \uc758\uc874\ud558\uba70 \uc77c\ubc18\uc801\uc73c\ub85c T+3\uc77c\uc758 \uc790\uae08 \ub3d9\uacb0 \uae30\uac04\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\n<p><strong>\uc218\uc218\ub8cc \uad6c\uc870 \ube44\uad50<\/strong><br \/>\n| \uc2dc\ub098\ub9ac\uc624 &gt; \uc2dc\ub098\ub9ac\uc624 &gt; \uc778\ub3c4 \ud604\uc9c0 \uacb0\uc81c &gt; PayPal | \ud398\uc774\ud314<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| P2P \uc1a1\uae08 | \uc218\uc218\ub8cc 0\uc6d0(\uc815\ubd80 \ubcf4\uc870\uae08) | 4.4%+\uace0\uc815 \uc218\uc218\ub8cc | P2P \uc1a1\uae08<br \/>\n| \ud310\ub9e4\uc790 \uceec\ub809\uc158 | 0.3%-1%(\ud55c\ub3c4 \u20b95) | 2.9%+$0.30 |<br \/>\n| \uad6d\uacbd \uac04 \uc1a1\uae08 | IMPS \ud658\uc728 0.1% | FX \ud504\ub9ac\ubbf8\uc5c4 4%\ubd80\ud130 | \ud574\uc678 \uc1a1\uae08<\/p>\n<\/li>\n<li>\n<p><strong>\uc0ac\uc6a9\uc790 \uc778\uc99d \ud504\ub85c\uc138\uc2a4<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>\uc778\ub3c4\uc5d0\uc11c \ub2e8 90\ucd08 \ub9cc\uc5d0 \uacc4\uc88c \uac1c\uc124\uc744 \uac00\ub2a5\ud558\uac8c \ud558\ub294 \uc544\ub4dc\ud558\ub974 \uc0dd\uccb4\uc778\uc2dd(eKYC)<\/li>\n<li>PayPal\uc758 SWIFT \ucf54\ub4dc \uc778\uc99d \uc694\uad6c \uc0ac\ud56d\uc73c\ub85c \uc778\ud574 \ud3c9\uade0 48\uc2dc\uac04\uc758 \ud65c\uc131\ud654 \uc2dc\uac04\uc774 \uc18c\uc694\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>5.<strong>\uc2e4\ud328\ud55c \ud2b8\ub79c\uc7ad\uc158\uc744 \ucc98\ub9ac\ud558\ub294 \uba54\ucee4\ub2c8\uc998<\/strong><\/p>\n<ul>\n<li>UPI\ub294 MANDATE API\ub97c \ud1b5\ud574 \ubcf4\uc0c1 \ud504\ub85c\uc138\uc2a4\ub97c \uc790\ub3d9\uc73c\ub85c \uc2dc\uc791\ud569\ub2c8\ub2e4.<\/li>\n<li>PayPal \ubd84\uc7c1 \ud574\uacb0\uc740 \uc218\ub3d9 \uac80\ud1a0 \uc8fc\uae30(\ud3c9\uade0 14\uc77c(\uc601\uc5c5\uc77c \uae30\uc900))\uc5d0 \ub530\ub77c \ucc98\ub9ac\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>6.<strong>\ud2b9\uc218 \uc7a5\uba74 \uc9c0\uc6d0<\/strong>::<br \/>\n- 15,000\uac1c\uc758 \uacf5\uacfc\uae08 \uacb0\uc81c \uce74\ud14c\uace0\ub9ac\ub97c \ud1b5\ud569\ud55c \ubc14\ub77c\ud2b8 \ube4c\ud398\uc774(Bharat BillPay)<br \/>\n- PayPal\uc740 \uc8fc\ub85c \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \ud658\ubd88 \ubcf4\ud638 \ubc0f \uae30\ud0c0 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\ub7ec\ud55c \uc124\uacc4\uc0c1\uc758 \ucc28\uc774\ub85c \uc778\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \uacb0\uacfc\uac00 \ubc1c\uc0dd\ud569\ub2c8\ub2e4. 10,000\ub8e8\ud53c \ubbf8\ub9cc\uc758 \ud604\uc9c0 \uac70\ub798\ub97c \ucc98\ub9ac\ud560 \ub54c\ub294 UPI \ucc44\ub110 \ube44\uc6a9\uc774 PayPal\ubcf4\ub2e4 98% \ub0ae\uc9c0\ub9cc \uae30\uc220 \uc11c\ube44\uc2a4\uc5d0 \ub300\ud55c \ud574\uc678 \uacb0\uc81c \uc2dc\uc5d0\ub294 PayPal\uc758 \uc9c0\ubd88 \uac70\uc808 \ubcf4\ud638 \uba54\ucee4\ub2c8\uc998\uc774 \ub354 \uc720\ub9ac\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774\uc81c \ub2e4\ub978 \uc8fc\uc694 \uce21\uba74\uc5d0\uc11c \uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \ucc28\uc774\uc810\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc54c\uc544\ubcf4\uaca0\uc2b5\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>7. \uc0dd\ud0dc\uacc4 \ud1b5\ud569\uc758 \uae4a\uc774<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc<\/strong><\/p>\n<ul>\n<li>\ud604\uc9c0 \uc0dd\ud65c \uc2dc\ub098\ub9ac\uc624\uc5d0 \uae4a\uc774 \ub0b4\uc7a5: ATM \ud604\uae08 \ucda9\uc804(\uc608: Paytm \ud6c4\ubd88), \uc624\ud504\ub77c\uc778 \ud0a4\ub77c\ub098 \uc0c1\uc810 \ucf54\ub4dc \uacb0\uc81c, \ubc84\uc2a4 \ud2f0\ucf13 NFC \uacb0\uc81c \ub4f1\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc815\ubd80 \uc11c\ube44\uc2a4\uc5d0 \uc9c1\uc811 \uc5f0\uacb0: GST \uc138\uae08 \ub0a9\ubd80, EPFO \uc5f0\uae08 \ud655\uc778, \uace0\uc18d\ub3c4\ub85c \ud1b5\ud589\ub8cc(FASTag) \ub0a9\ubd80 \uac00\ub2a5<\/li>\n<li>O2O \uacb0\uc81c: \uc2a4\uc640\uc774\uae30\/\uc870\ub9c8\ud1a0 \ubc0f \uae30\ud0c0 \ud14c\uc774\ud06c\uc544\uc6c3 \ud50c\ub7ab\ud3fc\uc740 \uae30\ubcf8\uc801\uc73c\ub85c UPI\ub97c \ubc14\uc778\ub529\ud558\uba70, \uce74\ub4dc \uacb0\uc81c\ubcf4\ub2e4 \uc644\ub8cc\uc728\uc774 \ub192\uc2b5\ub2c8\ub2e437%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PayPal<\/strong><\/p>\n<ul>\n<li>\uae00\ub85c\ubc8c \uc804\uc790\uc0c1\uac70\ub798 \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc9d1\uc911: Shopify\/WooCommerce\uc640 \uae30\ubcf8 \ud50c\ub7ec\uadf8\uc778 \ud1b5\ud569\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>SaaS \uc11c\ube44\uc2a4 \uad6c\ub3c5\uc758 \uc774\uc810: Stripe\uacfc \uc720\uc0ac\ud55c \ube44\uc988\ub2c8\uc2a4\ub97c \uc704\ud55c \ubc18\ubcf5 \uccad\uad6c API \uc9c0\uc6d0<\/li>\n<li>Adobe\/Spotify \ubc0f \uae30\ud0c0 \ud574\uc678 \ud310\ub9e4\uc790\uc758 'PayPal\ub85c \ub85c\uadf8\uc778'\uc744 \ud1b5\ud574 \uad6c\ub9e4 \ud3ec\uae30\uc728 \uac10\uc18c<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. API \uae30\uc220 \uc2a4\ud0dd \ube44\uad50<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\uae30\ub2a5 \uc6a9\uc5b4<\/strong><\/th>\n<th>UPI \uc0dd\ud0dc\ud559(\uc608: Razorpay)<\/th>\n<th>\ud398\uc774\ud314 \ube0c\ub808\uc778\ud2b8\ub9ac<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SDK \ubcfc\ub968<\/td>\n<td>&lt;1MB(2G \ub124\ud2b8\uc6cc\ud06c \ud658\uacbd\uc5d0 \ucd5c\uc801\ud654)<\/td>\n<td>&gt;3MB \uc774\uc0c1(PCI DSS \uaddc\uc815 \uc900\uc218 \ud0a4\ud2b8 \ud3ec\ud568)<\/td>\n<\/tr>\n<tr>\n<td>\uc778\uc99d \ud504\ub85c\uc138\uc2a4<\/td>\n<td>Aadhaar OTP + \uc571 \uc9c0\ubb38 \uc778\uc99d<\/td>\n<td>SCA Strong \uc778\uc99d(PSD2 \uc694\uad6c \uc0ac\ud56d)<\/td>\n<\/tr>\n<tr>\n<td>\uc6f9\ud6c5 \uc9c0\uc5f0<\/td>\n<td>&lt;800ms(\ubb44\ubc14\uc774 \ud074\ub7ec\uc2a4\ud130\uc5d0 \uc704\uce58\ud55c NPCI \uc11c\ubc84)<\/td>\n<td>~3\ucd08(\ub300\uc11c\uc591 \ud6a1\ub2e8 \ub77c\uc6b0\ud305)<\/td>\n<\/tr>\n<tr>\n<td>QR\ucf54\ub4dc \ub3d9\uc801 \uc5c5\ub370\uc774\ud2b8<\/td>\n<td>TOTP \uc54c\uace0\ub9ac\uc998\uc740 30\ucd08\ub9c8\ub2e4 \uc0c8\ub85c \uace0\uce68\ub429\ub2c8\ub2e4.<\/td>\n<td>\uc815\uc801 QR\uc740 \uc218\ub3d9\uc73c\ub85c \uad50\uccb4\ud574\uc57c \ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>9. \uc720\ub3d9\uc131 \uc81c\uc57d<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\uc778\ub3c4 \uaddc\uc81c \ud2b9\ubcc4 \uc694\uad6c \uc0ac\ud56d<\/strong>::<\/p>\n<ul>\n<li>PPI \uc9c0\uac11 \uc794\uc561 \ud55c\ub3c4 \u20b9200,000(\uc804\uccb4 KYC \ud544\uc694)<\/li>\n<\/ul>\n<ul>\n<li>UPI \ub2e8\uc77c \uac70\ub798 \ud55c\ub3c4 \u20b9100,000(\uad50\uc721\/\uc758\ub8cc\uc758 \uacbd\uc6b0 \u20b9500,000\ub85c \uc644\ud654)<\/li>\n<li>NEFT \uccad\uc0b0 \ucc3d\uc740 \ub9e4\uc77c 18:00\uc5d0 \ub9c8\uac10\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PayPal \uad6d\uc81c \uaddc\uc815<\/strong>::<br \/>\n*:: \uc2e0\uaddc \uacc4\uc815\uc5d0 \ub300\ud574 21\uc77c\uac04 \ucd9c\uae08 \ub3d9\uacb0(\uc0ac\uae30 \ubc29\uc9c0)<br \/>\n*\uc911\uad6d \uacc4\uc815\uc740 \uc0c1\uc5c5\uc801 \uacb0\uc81c\ub97c \ubc1b\uc744 \uc218 \uc5c6\uc2b5\ub2c8\ub2e4.<br \/>\n*\ub7ec\uc2dc\uc544\ub294 OFAC \uc81c\uc7ac\ub85c \uc778\ud574 \uc81c\uacf5\ub418\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>10. \ub300\uccb4 \ud504\ub85c\uadf8\ub7a8\uc758 \uacbd\uc7c1 \ud658\uacbd<\/strong><\/h3>\n<p>\uc0ac\uc6a9\uc790\uac00 \ud544\uc694\ud560 \ub54c:<\/p>\n<ul>\n<li>\u25b6\ufe0f \uad6d\uacbd \uac04 \ud504\ub9ac\ub79c\uc11c \uc218\uae08: PayPal 60%\ubcf4\ub2e4 \ub0ae\uc740 Wise\/Payoneer \uc694\uae08\uc744 \uace0\ub824\ud558\uc138\uc694.<\/li>\n<li>\u25b6\ufe0f \ucd08\uc18c\uc561 \uc1a1\uae08: \ubaa8\ube44\ud035\uc758 1\ub8e8\ud53c \uc18c\uc561\uacb0\uc81c\uac00 \ub354 \uacbd\uc81c\uc801\uc785\ub2c8\ub2e4.<\/li>\n<li>\u25b6\ufe0fB2B \ubb34\uc5ed: PP \uc1a1\uc7a5\ubcf4\ub2e4 \ub354 \uc548\uc804\ud55c HSBC \uc778\ub3c4\uc758 \uad6d\uacbd \uac04 LC<\/li>\n<li>\u25b6\ufe0f \uc554\ud638\ud654\ud3d0 \uacb0\uc81c: \uc778\ub3c4 \ub0b4 \ubc14\uc774\ub0b8\uc2a4 P2P \ubcf4\uae09\ub960, PP\ub97c \ub118\uc5b4\uc130\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<p>\uc774\ub7ec\ud55c \ucc28\uc774\ub294 \ubcf8\uc9c8\uc801\uc73c\ub85c \uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 '\ud3ec\uc6a9\uc744 \uc704\ud55c \uae08\uc735 \uc778\ud504\ub77c'\uc774\uace0 PayPal\uc740 '\uae00\ub85c\ubc8c\ud654\ub41c \uc790\ubcf8 \ud1b5\ub85c'\ub77c\ub294 \ub450 \uac00\uc9c0 \uc124\uacc4 \ucca0\ud559\uc758 \uadfc\ubcf8\uc801\uc778 \ucc28\uc774\ub97c \ubc18\uc601\ud569\ub2c8\ub2e4. \uc2e4\uc81c \uc120\ud0dd\uc740 \ud3c9\uac00\uac00 \ud544\uc694\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-python\">def payment_selector(amount, is_cross_border, is_merchant).<br>\r\n    \uae08\uc561\uc774 500 \ubbf8\ub9cc\uc774\uace0 is_cross_border\uac00 \uc544\ub2cc \uacbd\uc6b0.<br>\r\n        \ubc18\ud658 \"UPI\"<br>\r\n    elif is_merchant \ubc0f \"digital_goods\" \uce74\ud14c\uace0\ub9ac\ub97c \ucd94\uac00\ud569\ub2c8\ub2e4.<br>\r\n        \"PayPal\" \ubc18\ud658<br>\r\n    else.<br>\r\n        \ubc18\ud658 \ud3c9\uac00_fx_\uc218\uc218\ub8cc() #\ub294 \uc678\ud658 \ube44\uc6a9\uc744 \uacc4\uc0b0\ud574\uc57c \ud569\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uacfc PayPal\uc758 \ud575\uc2ec\uc801\uc778 \ucc28\uc774\uc810\uc740 \uc8fc\ub85c \ub2e4\uc74c\uacfc \uac19\uc740 \uc601\uc5ed\uc5d0 \uc788\uc2b5\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-2733","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\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\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, 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