{"id":2821,"date":"2025-05-19T09:53:07","date_gmt":"2025-05-19T01:53:07","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2821"},"modified":"2025-05-19T09:53:07","modified_gmt":"2025-05-19T01:53:07","slug":"%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/19\/%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e5%a6%82%e4%bd%95%e6%95%b4%e5%90%88%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5\uc740 \ub9d0\ub808\uc774\uc2dc\uc544\uc5d0\uc11c \ud604\uc9c0 \uacb0\uc81c\ub97c \uc5b4\ub5bb\uac8c \ud1b5\ud569\ud560 \uc218 \uc788\ub098\uc694?"},"content":{"rendered":"<h1>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\ub97c \uc704\ud55c \ud604\uc9c0 \uacb0\uc81c \ud1b5\ud569 \uac00\uc774\ub4dc<\/h1>\n<h2>\uc8fc\uc694 \ud604\uc9c0 \uacb0\uc81c \ubc29\ubc95<\/h2>\n<ol>\n<li>\n<p><strong>FPX(\uae08\uc735 \ud504\ub85c\uc138\uc2a4 \uad50\ud658)<\/strong><\/p>\n<ul>\n<li>\ub9d0\ub808\uc774\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \uc778\uae30 \uc788\ub294 \uc628\ub77c\uc778 \uc740\ud589 \uc1a1\uae08 \uc2dc\uc2a4\ud15c<\/li>\n<li>30\uac1c \uc774\uc0c1\uc758 \ud604\uc9c0 \uc740\ud589 \ucee4\ubc84\ub9ac\uc9c0<\/li>\n<li>\uc989\uc2dc \uc774\uccb4, \uacc4\uc815 \ub4f1\ub85d \ud544\uc694 \uc5c6\uc74c<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub4c0\uc787\ub098\uc6b0<\/strong><\/p>\n<ul>\n<li>\uc2e4\uc2dc\uac04 \ucd1d\uc561 \uacb0\uc81c \uc2dc\uc2a4\ud15c(RTGS)<\/li>\n<li>QR\ucf54\ub4dc \uacb0\uc81c \ubc0f \ud734\ub300\ud3f0 \ubc88\ud638 \uc804\uc1a1 \uae30\ub2a5<\/li>\n<li>\ub9d0\ub808\uc774\uc2dc\uc544 \uad6d\uac00 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c \uc6b4\uc601<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>GrabPay<\/strong><\/p>\n<ul>\n<li>\uadf8\ub7a9 \uc0dd\ud0dc\uacc4\ub97c \uc704\ud55c \uc804\uc790\uc9c0\uac11<\/li>\n<li>\ud2b9\ud788 \uc80a\uc740 \uc0ac\uc6a9\uc790\ub4e4\uc5d0\uac8c \uc778\uae30<\/li>\n<li>\uc571 \ub0b4 \uc6d0\ud074\ub9ad \uacb0\uc81c \ud658\uacbd<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Boost<\/strong><br \/>\n\uc545\uc2dc\uc544\ud0c0 \uadf8\ub8f9\uc774 \ud6c4\uc6d0\ud558\ub294 \ub610 \ub2e4\ub978 \uc8fc\ub958 \uc804\uc790\uc9c0\uac11 \ube0c\ub79c\ub4dc<\/p>\n<\/li>\n<li>\n<p><strong>ShopeePay<\/strong><br \/>\n\ub300\uaddc\ubaa8 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc744 \ubcf4\uc720\ud55c \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc Shopee \uc804\uc6a9 \uacb0\uc81c \uc194\ub8e8\uc158<\/p>\n<\/li>\n<\/ol>\n<h2>\uc81c\uc548\ub41c \ud1b5\ud569 \uc804\ub7b5<\/h2>\n<ol>\n<li>\n<p><strong>\uba40\ud2f0\ucc44\ub110 \ud1b5\ud569<\/strong>FPX + \ub4c0\uc787\ub098\uc6b0 + \ud558\ub098 \uc774\uc0c1\uc758 \uc804\uc790\uc9c0\uac11(\uc608: \uadf8\ub7a9\ud398\uc774)\uc5d0 \ub3d9\uc2dc \uc561\uc138\uc2a4 \uac00\ub2a5<\/p>\n<\/li>\n<li>\n<p><strong>\uaddc\uc815 \uc900\uc218 \uc6b0\uc120<\/strong>::<br \/>\n-BNM(Bank Negara Malaysia)\uc73c\ub85c\ubd80\ud130 \ud544\uc694\ud55c \ub77c\uc774\uc120\uc2a4 \ucde8\ub4dd<br \/>\n2013 \uae08\uc735 \uc11c\ube44\uc2a4\ubc95 \ubc0f 2001 \uc790\uae08\uc138\ud0c1\ubc29\uc9c0\ubc95 \uc900\uc218<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>\uae30\uc220 \ub3c4\ud0b9 \uc635\uc158<\/strong>::<br \/>\n-\ub2e4\uc591\ud55c \uc81c\uacf5\uc5c5\uccb4 API\uc640 \uc9c1\uc811 \uc778\ud130\ud398\uc774\uc2a4<br \/>\n-\ud1b5\ud569 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774(MOLPay, iPay88 \ub4f1)\ub97c \ud1b5\ud55c \uacb0\uc81c<\/p>\n<p>4.<strong>\uc0ac\uc6a9\uc790 \uacbd\ud5d8 \ucd5c\uc801\ud654<\/strong>::<br \/>\n-\ub9d0\ub808\uc774\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 \uc124\uba85 \uc81c\uacf5<br \/>\n-\ub9c1\uae30\ud2b8(RM) \uac00\uaca9 \ud45c\uc2dc\ub85c \ud1b5\ud654 \ubcc0\ud658 \ud63c\ub3d9 \ubc29\uc9c0<br \/>\n-\ubaa8\ubc14\uc77c\uc5d0\uc11c \uacb0\uc81c \ud504\ub85c\uc138\uc2a4 \uac04\uc18c\ud654<\/p>\n<p>5.<strong>\uc704\ud5d8 \uad00\ub9ac \uc870\uce58<\/strong>::<br \/>\n\uc77c\ubc18\uc801\uc778 \ub85c\uceec 3DS \uc720\ud6a8\uc131 \uac80\uc0ac \uc694\uad6c \uc0ac\ud56d \uad6c\ud604<br \/>\n\ud604\uc9c0 \uc18c\ube44 \uc218\uc900\uc5d0 \ub9de\uac8c \uc0ac\uae30 \ud0d0\uc9c0 \uaddc\uce59 \uc124\uc815\ud558\uae30<\/p>\n<p>\ud2b9\uc815 \uce21\uba74\uc5d0 \ub300\ud574 \ub354 \uc790\uc138\ud55c \uc815\ubcf4\uac00 \ud544\uc694\ud558\uc2e0\uac00\uc694? \uc608\ub97c \ub4e4\uc5b4 \ud2b9\uc815 \uacb0\uc81c\uc5d0 \ub300\ud55c API \ubb38\uc11c \uc694\uad6c \uc0ac\ud56d\uc774\ub098 \uc694\uae08 \uad6c\uc870\uac00 \uad81\uae08\ud558\uc2e0\uac00\uc694?<\/p>\n<h1>\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\ub97c \uc704\ud55c \ud604\uc9c0 \uacb0\uc81c \ud1b5\ud569\uc5d0 \ub300\ud55c \uc2ec\uce35 \uac00\uc774\ub4dc<\/h1>\n<h2>\uae30\uc220\uc801 \uc2e4\ud604 \uc138\ubd80 \uc0ac\ud56d<\/h2>\n<h3>API \ub3c4\ud0b9 \ud0a4 \ud3ec\uc778\ud2b8<\/h3>\n<ol>\n<li>\n<p><strong>FPX \uae30\uc220 \ud30c\ub77c\ubbf8\ud130<\/strong><\/p>\n<ul>\n<li>\ud310\ub9e4\uc790 ID \ubc0f \uc778\uc99d \ud0a4 \ud544\uc694<\/li>\n<li>JSON \ubc0f XML \ud615\uc2dd \uc694\uccad \uc9c0\uc6d0<\/li>\n<li>\uc77c\ubc18\uc801\uc778 \uc751\ub2f5 \uc2dc\uac04 3\ucd08 \ubbf8\ub9cc<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub4c0\uc787\ub098\uc6b0 QR \ud45c\uc900<\/strong><\/p>\n<ul>\n<li>\ub3d9\uc801 QR \ucf54\ub4dc\ub97c \uc0dd\uc131\ud574\uc57c \ud569\ub2c8\ub2e4(15\ubd84 \ub3d9\uc548 \uc720\ud6a8).<\/li>\n<li>QR \uc0ac\uc591\uc740 EMVCo \ud45c\uc900\uc744 \ub530\ub985\ub2c8\ub2e4.<\/li>\n<li>\ud310\ub9e4\uc790 \uce74\ud14c\uace0\ub9ac \ucf54\ub4dc(MCC)\ub97c \uc815\ud655\ud558\uac8c \uc124\uc815\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc804\uc790\uc9c0\uac11 SDK \ud1b5\ud569<\/strong><\/p>\n<pre><code class=\"language-java\">\/\/ GrabPay \uc548\ub4dc\ub85c\uc774\ub4dc \uc5f0\ub3d9 \uc608\uc2dc<br>\r\nGrabPay.\uacb0\uc81c\uc694\uccad \uc694\uccad = \uc0c8\ub85c\uc6b4 GrabPay.\uacb0\uc81c\uc694\uccad.\ube4c\ub354()<br>\r\n    .amount(new BigDecimal(\"100.00\"))<br>\r\n    .currency(\"MYR\")<br>\r\n    .description(\"\uc628\ub77c\uc778 \uad6c\ub9e4\")<br>\r\n    .build();<br>\r\n<br>\r\nGrabPay.getInstance().requestPayment(\ud65c\ub3d9, \uc694\uccad);<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<h2>\uaddc\uc815 \uc900\uc218 \ubc0f \uc778\uc99d \uc694\uac74<\/h2>\n<ol>\n<li><strong>BNM \ub4f1\ub85d \ubd84\ub958<\/strong><\/li>\n<\/ol>\n<ul>\n<li>MSB \ub77c\uc774\uc120\uc2a4(\uba38\ub2c8 \uc11c\ube44\uc2a4 \ube44\uc988\ub2c8\uc2a4) - \uc6d4 \ub9e4\ucd9c\uc561 RM500,000 \ubbf8\ub9cc<\/li>\n<li>MSO \ub77c\uc774\uc120\uc2a4(\uc790\uae08 \uc11c\ube44\uc2a4 \uc0ac\uc5c5\uc790) - &gt;RM500,000<\/li>\n<\/ul>\n<p>2.<strong>PCI DSS \uc778\uc99d<\/strong><br \/>\n-\ucd5c\uc18c SAQ A-EP \uc790\uac00 \ud3c9\uac00 \uc124\ubb38\uc9c0\ub97c \uc644\ub8cc\ud569\ub2c8\ub2e4.<br \/>\n-\ub370\uc774\ud130 \uc800\uc7a5 \ubc94\uc704\ub97c \uc904\uc774\uae30 \uc704\ud574 \ud1a0\ud070\ud654 \uc0ac\uc6a9\uc744 \uad8c\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<p>3.<strong>\uc18c\ube44\uc790 \ubcf4\ud638 \uc870\uce58<\/strong><br \/>\n-14\uc77c \ud658\ubd88 \uc815\ucc45 \uacf5\uc9c0 \uc758\ubb34\ud654<br \/>\n-\ubd84\uc7c1 \ud574\uacb0 \uc808\ucc28\uc5d0 \ub300\ud55c \uba85\ud655\ud55c \uc124\uba85<\/p>\n<p>\uc694\uae08 \uad6c\uc870 \ubc0f \uc815\uc0b0 \uc8fc\uae30<\/p>\n<table>\n<thead>\n<tr>\n<th>\uacb0\uc81c \ubc29\ubc95<\/th>\n<th>\uc218\uc218\ub8cc\uc728<\/th>\n<th>\uc815\uc0b0 \uc8fc\uae30<\/th>\n<th>\ucd5c\uc18c \ub2e8\uc77c \uac70\ub798 \ud55c\ub3c4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>FPX<\/td>\n<td>0.5%-1%<\/td>\n<td>\uc601\uc5c5\uc77c \uae30\uc900 T+2\uc77c<\/td>\n<td>\uac00\uc9c0\uace0 \uc788\uc9c0 \uc54a\ub2e4<\/td>\n<\/tr>\n<tr>\n<td>\ub4c0\uc787\ub098\uc6b0<\/td>\n<td>0.5RM + 0.25% \uc218\uc815<\/td>\n<td>T+1<\/td>\n<td>10RM<\/td>\n<\/tr>\n<tr>\n<td>GrabPay<\/td>\n<td>1.8%<\/td>\n<td>\uc77c\uc77c \uc790\ub3d9 \uc815\uc0b0*<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>*\ucc38\uace0: \ucd08\uae30 \uc561\uc138\uc2a4\uc5d0\ub294 20% \uacb0\uc81c\ub97c \uc720\uc9c0\ud558\uae30 \uc704\ud55c 30\uc77c\uc758 \ubcf4\uc548 \uae30\uac04\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\ud604\uc9c0\ud654\ub41c \uc6b4\uc601 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\uc2dc\uc98c\ubcc4 \ud504\ub85c\ubaa8\uc158 \uc804\ub7b5<br \/>\n\ub9d0\ub808\uc774\uc2dc\uc544\uc758 \uc911\uc694\ud55c \ucd95\uc81c\uc5d0 \ub9de\ucdb0 \ub9c8\ucf00\ud305\uc744 \uc870\uc815\ud558\uc138\uc694:<br \/>\n&#8211;<strong>\ud558\ub9ac \ub77c\uc57c<\/strong>(\uc774\ub4dc \uc54c \ud53c\ud2b8\ub974): '\ubc1c\ub9ad \uce84\ud48d' \uadc0\ud5a5 \ud14c\ub9c8 \uc0c1\ud488 2\uc8fc \uc804 \uc0ac\uc804 \uc608\uc57d\ud558\uae30<br \/>\n&#8211;<strong>\ub354\ube14 \uc77c\ub808\ube10<\/strong>\uc911\uad6d\uc778\uc758 \uc18c\ube44 \uc2b5\uad00\uacfc \ud568\uaed8\ud558\ub294 1+1 \ubb34\ub8cc \ucea0\ud398\uc778<\/p>\n<p>\uace0\uac1d \uc11c\ube44\uc2a4 \ubaa8\ubc94 \uc0ac\ub840<br \/>\n&#8211;<strong>\uc5b8\uc5b4 \uad6c\uc131<\/strong>\uc601\uc5b4\/\ub9d0\ub808\uc774\uc2dc\uc544\uc5b4 \uc774\uc911 \uc5b8\uc5b4 \uc9c0\uc6d0, \uc77c\ubc18\uc801\uc778 \ubb38\uc81c\ub97c \ucc98\ub9ac\ud558\uae30 \uc704\ud55c AI \ud559\uc2b5 \uc6b0\uc120 \uc21c\uc704 \uc9c0\uc815<br \/>\n&#8211;<strong>\uc751\ub2f5 \uc2dc\uac04 \ud504\ub808\uc784<\/strong>:: WhatsApp \ucc44\ub110\uc740 4\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uc751\ub2f5\uc744 \ubcf4\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4(\ub85c\uceec \ud1b5\uc2e0 \ubaa8\ub4dc \uc120\ud638).<\/p>\n<p>\ud2b9\uc815 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \ub300\ud55c \uc0d8\ud50c \uae30\uc220 \ubc31\uc11c \ub610\ub294 \uacc4\uc57d \ud15c\ud50c\ub9bf\uc774 \ud544\uc694\ud558\ub098\uc694?<\/p>","protected":false},"excerpt":{"rendered":"<p>\ub9d0\ub808\uc774\uc2dc\uc544 \uad6d\uacbd \uac04 \uc804\uc790 \uc0c1\uac70\ub798 \ud604\uc9c0 \uacb0\uc81c \ud1b5\ud569 \uac00\uc774\ub4dc \uc8fc\uc694 \ud604\uc9c0 \uacb0\uc81c \ubc29\ubc95 FPX ...<\/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":[30],"tags":[],"class_list":["post-2821","post","type-post","status-publish","format-standard","hentry","category-30"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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