{"id":2839,"date":"2025-05-19T18:42:32","date_gmt":"2025-05-19T10:42:32","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2839"},"modified":"2025-05-19T18:42:32","modified_gmt":"2025-05-19T10:42:32","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93api%e6%80%8e%e4%b9%88%e6%8e%a5%e5%85%a5%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e6%8c%87%e5%8d%97","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/19\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93api%e6%80%8e%e4%b9%88%e6%8e%a5%e5%85%a5%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e6%8c%87%e5%8d%97\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110 API\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694? \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts178.mm.bing.net\/th?q=paytm177\" alt=\"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110 API\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694? \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc\" title=\"\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110 API\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694? \uac1c\ubc1c\uc790 \uac00\uc774\ub4dc\"><\/p>\n<p># \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110 API \uc561\uc138\uc2a4 \uac00\uc774\ub4dc<\/p>\n<p>\uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc \uc804\ubb38\uac00\ub85c\uc11c \uc778\ub3c4 \ub0b4 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc758 API\uc5d0 \uc561\uc138\uc2a4\ud558\ub294 \ubc29\ubc95\uc5d0 \ub300\ud574 \uc790\uc138\ud788 \uc124\uba85\ud574\ub4dc\ub9ac\uaca0\uc2b5\ub2c8\ub2e4.<\/p>\n<p> \uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774<\/p>\n<p>1. \ub808\uc774\uc800\ud398\uc774<br \/>\n2. PayU \uc778\ub3c4<br \/>\n3. CCAvenue<br \/>\n4. \uc778\uc2a4\ud0c0\ubaa8\uc870<br \/>\n5. \ud398\uc774\ud2f0\uc5e0 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774<\/p>\n<p> \uacf5\ud1b5 \uc561\uc138\uc2a4 \ud504\ub85c\uc138\uc2a4<\/p>\n<p> 1. \ud310\ub9e4\uc790 \uacc4\uc815 \ub4f1\ub85d<br \/>\n- \uc120\ud0dd\ud55c \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\uc758 \uacf5\uc2dd \uc6f9\uc0ac\uc774\ud2b8\ub97c \ubc29\ubb38\ud558\uc5ec \ud310\ub9e4\uc790 \uacc4\uc815\uc744 \ub4f1\ub85d\ud558\uc138\uc694.<br \/>\n- KYC \uc11c\ub958 \uc81c\ucd9c(\uc77c\ubc18\uc801\uc73c\ub85c PAN \uce74\ub4dc, GSTIN, \uc740\ud589 \uacc4\uc88c \uc99d\uba85 \ub4f1 \ud3ec\ud568)<br \/>\n- \uc2b9\uc778 \ub300\uae30 \uc911(\ubcf4\ud1b5 \uc601\uc5c5\uc77c \uae30\uc900 1~3\uc77c \uc18c\uc694)<\/p>\n<p> 2. API \ud0a4 \ud68d\ub4dd<br \/>\n- \ub300\uc2dc\ubcf4\ub4dc\uc5d0\uc11c API \ud0a4 \uc30d\uc744 \uc0dd\uc131\ud558\uac70\ub098 \ud655\uc778\ud569\ub2c8\ub2e4.<br \/>\n   - \ud0a4 ID\/\uacf5\uac1c\ud0a4<br \/>\n   - \ud0a4 \ube44\ubc00\/\uac1c\uc778 \ud0a4<\/p>\n<p> 3. API \ud1b5\ud569 \uc635\uc158<br \/>\n\ub300\ubd80\ubd84\uc758 \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uac00 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<br \/>\n&#8220;`<br \/>\na) \uacb0\uc81c \ud398\uc774\uc9c0 \ud1b5\ud569(\uac00\uc7a5 \uac04\ub2e8\ud55c \ubc29\ubc95)<br \/>\nb) \uc6f9\ud6c5 \uc2e4\uc2dc\uac04 \uc54c\ub9bc \ucc98\ub9ac<br \/>\nc) SDK \ud1b5\ud569(Node.js, PHP, Python \ub4f1)<br \/>\nd) \uc6d0\uc2dc API \ud638\ucd9c(RESTful \uc778\ud130\ud398\uc774\uc2a4)<br \/>\n&#8220;`<\/p>\n<p> \ub808\uc774\uc800\ud398\uc774 \uc0d8\ud50c \ucf54\ub4dc(Node.js)<\/p>\n<p>\"`javascript<br \/>\nconst Razorpay = require('razorpay');<br \/>\nconst \uc778\uc2a4\ud134\uc2a4 = \uc0c8\ub85c\uc6b4 Razorpay({<br \/>\n    key_id: 'YOUR_KEY_ID',<br \/>\n    \ud0a4_\ube44\ubc00: 'YOUR_KEY_SECRET'<br \/>\n});<\/p>\n<p>\/\/\uc8fc\ubb38 \uc0dd\uc131\ud558\uae30<br \/>\nconst options = {<br \/>\n    \uae08\uc561: req.body.price *100, \/\/\uae08\uc561(\ud30c\uc774\uc0ac \ub2e8\uc704)(100\ud30c\uc774\uc0ac = 1\ub8e8\ud53c)<br \/>\n    \ud1b5\ud654: \"INR\",<br \/>\n    \uc601\uc218\uc99d: \"\uc8fc\ubb38_rcptid_11\"<br \/>\n};<\/p>\n<p>instance.orders.create(options).then((order)=&gt;{<br \/>\n    res.json(order);<br \/>\n}).catch((err)=&gt;{<br \/>\n    res.status(500).send(err);<br \/>\n});<br \/>\n&#8220;`<\/p>\n<p> PayU \uc778\ub3c4 \uc0d8\ud50c(PHP)<\/p>\n<p>\"`php<br \/>\n<?php \n$MERCHANT_KEY = \"YOUR_MERCHANT_KEY\";\n$SALT = \"YOUR_SALT\";\n\n$hashSequence = $MERCHANT_KEY.\"|\".$_POST['txnid'].\"|\".$_POST['amount'].\"|\"\n               .$_POST['productinfo'].\"|\".$_POST['firstname'].\"|\"\n               .$_POST['email'].\"|||||||||||\".$SALT;\n\n$hash = strtolower(hash('sha512', $hashSequence));\n?><\/p>\n<form action=\"https:\/\/secure.payu.in\/_payment\" method=\"post\">\n<input type=\"hidden\" name=\"key\" value=\"<?php echo $MERCHANT_KEY ?>&#8221; \/><br \/><input type=\"hidden\" language-javascript\">\/\/ \ub808\uc774\uc800\ud398\uc774 UPI \uc778\ud150\ud2b8 \uc608\uc2dc<br>\r\nconst options = {<br>\r\n  \uae08\uc561: 50000, \/\/ \u20b9500(\ud30c\uc774\uc0ac)<br>\r\n  \ud1b5\ud654: \"INR\",<br>\r\n  \uba54\uc11c\ub4dc: \"upi\",<br>\r\n  customer: {<br>\r\n    \uc5f0\ub77d\ucc98: \"+919876543210\",<br>\r\n    \uc774\uba54\uc77c: \"customer@example.com\"<br>\r\n  },<br>\r\n  upi_link: true, \/\/UPI \uc778\ud150\ud2b8 \ud750\ub984 \ud65c\uc131\ud654<br>\r\n};<br>\r\n<br>\r\n\uc778\uc2a4\ud134\uc2a4.\uacb0\uc81c\ub9c1\ud06c.\uc0dd\uc131(\uc635\uc158);<br>\r\n<\/code><\/pre>\n<p><strong>\uc8fc\uc694 \ub9e4\uac1c\ubcc0\uc218\uc5d0 \ub300\ud55c \uc124\uba85<\/strong>::<\/p>\n<ul>\n<li><code>vpa<\/code>\uac00\uc0c1 \uacb0\uc81c \uc8fc\uc18c(\uc608: user@upi)<\/li>\n<li><code>\ud750\ub984<\/code>\uc218\uc9d1 \ub610\ub294 \uc758\ub3c4(\uae30\ubcf8\uac12)<\/li>\n<li><code>expire_by<\/code>:: UPI \ub9c1\ud06c \uc720\ud6a8\uc131(UNIX \ud0c0\uc784\uc2a4\ud0ec\ud504)<\/li>\n<\/ul>\n<h3>EMI \uc635\uc158 \uad6c\uc131<\/h3>\n<p>\ud560\ubd80 \uac70\ub798 \uc2dc\uc5d0\ub294 \ud2b9\ubcc4\ud55c \uc8fc\uc758\uac00 \ud544\uc694\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-php\">1TP4\ud14c\ubbf8\uc635\uc158 = [<br>\r\n    'bank' =&gt; 'HDFC', \/\/\uc9c0\uc6d0\ub418\ub294 \uc740\ud589 \ucf54\ub4dc <br>\r\n    'tenure' =&gt; [3,6], \/\/ \ud5c8\uc6a9\ub418\ub294 \ud560\ubd80 \uac1c\uc6d4 \uc218 <br>\r\n    'interest_rate' =&gt; ['3'=&gt;0,'6'=&gt;2] \/\/ \uae30\uac04\ubcc4 \uc774\uc790\uc728(%)<br>\r\n];<br>\r\n<\/code><\/pre>\n<h2>2. \uc6f9\ud6c5 \ubcf4\uc548 \uad6c\ud604<\/h2>\n<h3>JWT \uc11c\uba85 \uc778\uc99d(PayU \uc608\uc2dc)<\/h3>\n<pre><code class=\"language-python\">jwt\uc5d0\uc11c \ub514\ucf54\ub4dc \uac00\uc838\uc624\uae30, InvalidSignatureError<br>\r\n<br>\r\ndef verify_webhook(request).<br>\r\n    \uc2dc\ub3c4\ud574 \ubcf4\uc138\uc694.<br>\r\n        \ud398\uc774\ub85c\ub4dc = \ub514\ucf54\ub4dc(<br>\r\n            \uc694\uccad.headers['X-PayU-\uc11c\uba85'], \uc989<br>\r\n            key='YOUR_MERCHANT_SECRET',<br>\r\n            \uc54c\uace0\ub9ac\uc998=['HS256']<br>\r\n        )<br>\r\n        \ubc18\ud658 \ud398\uc774\ub85c\ub4dc['\ud398\uc774\ub85c\ub4dc']<br>\r\n    InvalidSignatureError\ub97c \uc81c\uc678\ud569\ub2c8\ub2e4.<br>\r\n        abort(403) #\uac00 \uc778\uc99d\ub418\uc9c0 \uc54a\uc740 \uc694\uccad\uc744 \uac70\ubd80\ud569\ub2c8\ub2e4.<br>\r\n        <br>\r\n@app.route('\/\uc6f9\ud6c5', methods=['POST'])<br>\r\ndef handle_webhook().<br>\r\n    verified_data = verify_webhook(request) <br>\r\n    <br>\r\n<\/code><\/pre>\n<p><strong>\uc548\uc804 \uae30\ub2a5<\/strong>::<br \/>\n\u2705 IP \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \uc720\ud6a8\uc131 \uac80\uc0ac(\uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uacf5\uc2dd IP \uc138\uadf8\uba3c\ud2b8 \ud655\uc778)<br \/>\n\u2705 HMAC \uc11c\uba85 \uc774\uc911 \ud655\uc778<br \/>\n\u2705 \ub17c\uc2a4 \uc548\ud2f0 \ub9ac\ud50c\ub808\uc774 \uacf5\uaca9<\/p>\n<h2>API \uc624\ub958 \ucc98\ub9ac \uc804\ub7b5<\/h2>\n<p>\uc77c\ubc18\uc801\uc778 \uc624\ub958 \ucf54\ub4dc \ubc0f \uc751\ub2f5<\/p>\n<table>\n<thead>\n<tr>\n<th>HTTP \uc0c1\ud0dc \ucf54\ub4dc<\/th>\n<th>\uc624\ub958 \ucf54\ub4dc<\/th>\n<th>\uad8c\uc7a5 \uce58\ub8cc\ubc95<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>400<\/td>\n<td>BAD_REQUEST<\/td>\n<td>\ub9e4\uac1c\ubcc0\uc218 \ud615\uc2dd \ubc0f \ud544\uc218 \ud544\ub4dc \ud655\uc778<\/td>\n<\/tr>\n<tr>\n<td>401<\/td>\n<td>\uc2b9\uc778\ub418\uc9c0 \uc54a\uc74c<\/td>\n<td>\uc778\uc99d \ud1a0\ud070 \ub2e4\uc2dc \uc0dd\uc131<\/td>\n<\/tr>\n<tr>\n<td>429<\/td>\n<td>RATE_LIMITED<\/td>\n<td>\uc778\ub371\uc2a4 \ud6c4\ud1f4 \uc7ac\ud14c\uc2a4\ud2b8 \uba54\ucee4\ub2c8\uc998 \uad6c\ud604<\/td>\n<\/tr>\n<tr>\n<td>502\/504<\/td>\n<td>&#8211;<\/td>\n<td>\ube44\ub3d9\uae30 \ubcf4\uc0c1 \uba54\ucee4\ub2c8\uc998 \uc124\uacc4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uad8c\uc7a5 \uc7ac\uc2dc\ub3c4 \ub85c\uc9c1 \uad6c\ud604(Node.js).<\/p>\n<pre><code class=\"language-javascript\">\ube44\ub3d9\uae30 \ud568\uc218 makePaymentRequest(params, retries=3){{<br>\r\n   try{<br>\r\n     \ubc18\ud658 await \uac8c\uc774\ud2b8\uc6e8\uc774.charge(\ub9e4\uac1c\ubcc0\uc218);<br>\r\n   }catch(err){<br>\r\n     if(retries&gt;0 &amp;&amp; isRetriable(err)){<br>\r\n       await \uc0c8 \ud504\ub85c\ubbf8\uc2a4(r=&gt;setTimeout(r,1000*(4-\uc7ac\uc2dc\ub3c4)));<br>\r\n       makePaymentRequest(params,retries-1)\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4; <br>\r\n     }<br>\r\n     throw err.<br>\r\n   }<br>\r\n}<br>\r\n<br>\r\n\ud568\uc218 isRetriable(err){<br>\r\n   const codes = ['ECONNRESET','ETIMEDOUT','EPIPE'];<br>\r\n   \ubc18\ud658 codes.includes(err.code) || err.statusCode &gt;= 500;<br>\r\n}<br>\r\n<\/code><\/pre>\n<h2>PCI DSS \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d<\/h2>\n<p>\uc778\ub3c4\uc5d0\uc11c \uce74\ub4dc \ub370\uc774\ud130\ub97c \ucc98\ub9ac\ud558\uae30 \uc704\ud574 \uc900\uc218\ud574\uc57c \ud558\ub294 \uaddc\ubc94\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>SAQ A-EP \uc801\uc6a9 \uc2dc\ub098\ub9ac\uc624<\/strong>::<br \/>\n\u2714\ufe0f \uc644\uc804 \ud638\uc2a4\ud305 \uacb0\uc81c \ud398\uc774\uc9c0<br \/>\n\u2714\ufe0f \uc790\uccb4 \uc11c\ubc84\ub97c \ud1b5\ud574 \ubbfc\uac10\ud55c \ub370\uc774\ud130\uac00 \ud750\ub974\uc9c0 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p><strong>\ud544\uc694\ud55c \uc870\uce58 \ubaa9\ub85d<\/strong>::<br \/>\n\ud83d\udd39 \ubd84\uae30\ubcc4 \ucde8\uc57d\uc131 \uac80\uc0ac(QSA \uc778\uc99d \ub3c4\uad6c)<br \/>\n\ud83d\udd39 \uc5f0\uac04 \uce68\ud22c \ud14c\uc2a4\ud2b8 \ubcf4\uace0\uc11c<br \/>\n\ud83d\udd39 TLS 1.2+ \ud544\uc218 \uad6c\ud604(HSTS \ud5e4\ub354 \uc124\uc815)<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>\ub85c\uae45 \uc0ac\uc591<\/strong>:<br \/>\n\ud83d\udcdd \uac70\ub798 \ub85c\uadf8\ub97c \ucd5c\uc18c 12\uac1c\uc6d4 \ub3d9\uc548 \ubcf4\uad00\ud558\uc138\uc694.<br \/>\n\ud83d\udeab CVV\/CVC \ubc88\ud638 \uc800\uc7a5 \uae08\uc9c0<br \/>\n\ud83d\udee1\ufe0f PAN \ubc88\ud638 \uc554\ud638\ud654 \uc800\uc7a5(AES256+ \ud0a4 \ub85c\ud14c\uc774\uc158 \uc0ac\uc6a9)<\/p>\n<h2>\ubc14\ub77c\ud2b8QR \ud2b9\ubcc4 \ud1b5\ud569<\/h2>\n<p>\uc624\ud504\ub77c\uc778 \ud310\ub9e4\uc790\uc758 \uacbd\uc6b0 \ud1b5\ud569 QR \ucf54\ub4dc\ub97c \uc9c0\uc6d0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<pre><code class=\"language-java\">\/\/ \ubc14\ub77c\ud2b8QR \ucf58\ud150\uce20 \uc0dd\uc131 \uc608\uc2dc(BHIM SDK)<br>\r\nString qrData = \uc0c8\ub85c\uc6b4 QRBuilder()<br>\r\n                .setMerchantId(\"MER123456\")<br>\r\n                .setStoreId(\"STORE001\")<br>\r\n                . .setTerminalId(\"POS01\")<br>\r\n                .setAmount(new BigDecimal(\"250.50\"))<br>\r\n                .buildBharatQRString(); .<br>\r\n                <br>\r\n\/\/\uc751\ub2f5 \ud615\uc2dd \uc0ac\uc591        <br>\r\n{<br>\r\n\"qrType\": \"BHARATQR\".<br>\r\n\"content\": \"000201010212...\" , <br>\r\n\"imageUrl\": \"https:\/\/api.upi.qr\/v1\/generate?data=...\"<br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\u26a0\ufe0f \ub3d9\uc801 QR \ucf54\ub4dc\ub294 \uc77c\ubc18\uc801\uc73c\ub85c 10\ubd84 \ub3d9\uc548 \uc720\ud6a8\ud569\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uace0\uae09 \ucf58\ud150\uce20\uac00 \ub354\uc6b1 \uacac\uace0\ud55c \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \uad6c\ucd95\ud558\ub294 \ub370 \ub3c4\uc6c0\uc774 \ub418\uae38 \ubc14\ub78d\ub2c8\ub2e4. NPCI \ubc0f RBI \uaddc\uc81c \uc694\uac74\uc740 \uc815\uae30\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\ubbc0\ub85c \uac01 \ud50c\ub7ab\ud3fc\uc5d0 \ub300\ud55c \ucd5c\uc2e0 \uacf5\uc2dd \ubb38\uc11c\ub97c \ucc38\uc870\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4. \ud2b9\uc815 \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \uad6c\ud604 \ubc29\ubc95\uc740 \ud2b9\uc815 \ud50c\ub7ab\ud3fc\uc5d0 \ub9de\ub294 \uac00\uc774\ub4dc\ub97c \uc81c\uacf5\ud574 \ub4dc\ub9b4 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p># \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110 API \uc561\uc138\uc2a4 \uac00\uc774\ub4dc \uc778\ub3c4 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc758 \uc804\ubb38\uac00\ub85c\uc11c, \uc800\ub294...<\/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-2839","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\u9053API\u600e\u4e48\u63a5\u5165\uff1f\u5f00\u53d1\u8005\u6307\u5357 - 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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