{"id":2867,"date":"2025-05-20T13:50:30","date_gmt":"2025-05-20T05:50:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2867"},"modified":"2025-05-20T13:50:30","modified_gmt":"2025-05-20T05:50:30","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f%e6%96%b0%e6%89%8b%e5%bf%85%e7%9c%8b%e5%85%a8%e9%9d%a2%e4%bb%8b%e7%bb%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/20\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f%e6%96%b0%e6%89%8b%e5%bf%85%e7%9c%8b%e5%85%a8%e9%9d%a2%e4%bb%8b%e7%bb%8d\/","title":{"rendered":"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc885\ud569 \uc18c\uac1c"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts155.mm.bing.net\/th?q=phonepe154\" alt=\"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc885\ud569 \uc18c\uac1c\" title=\"\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc885\ud569 \uc18c\uac1c\"><\/p>\n<h1>\uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ucd08\ubcf4\uc790\ub97c \uc704\ud55c \ud544\uc218 \uc885\ud569 \uc18c\uac1c<\/h1>\n<h2>I. \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc758 \uae30\ubcf8 \uac1c\ub150<\/h2>\n<p>\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc778\ub3c4\ub294 \ud310\ub9e4\uc790\uc640 \uc18c\ube44\uc790\ub97c \uc5f0\uacb0\ud558\ub294 \uc804\uc790 \uc790\uae08 \uc774\uccb4 \uc2dc\uc2a4\ud15c\uc744 \ub9d0\ud558\uba70, \uc778\ub3c4 \uc2dc\uc7a5\uc5d0\uc11c \uc0ac\uc5c5\uc744 \ud558\ub294 \ud310\ub9e4\uc790\ub97c \uc704\ud55c \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \uc804\ubb38\uc73c\ub85c \ud569\ub2c8\ub2e4. \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacbd\uc81c \uc911 \ud558\ub098\uc778 \uc778\ub3c4\uc758 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \ub3c5\ud2b9\ud55c \ud2b9\uc9d5\uacfc \uc6b4\uc601 \ubc29\uc2dd\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3>1.1 \uc815\uc758 \ubd84\uc11d<\/h3>\n<p>\uac04\ub2e8\ud788 \ub9d0\ud574, \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 \uc0ac\uc6a9\uc790\uac00 \uacb0\uc81c \uc694\uccad\uc744 \uc2dc\uc791\ud55c \ud6c4 \uc9c0\uae09\uc778\uc758 \uacc4\uc88c\uc5d0\uc11c \uc218\ucde8\uc778\uc758 \uacc4\uc88c\ub85c \uc790\uae08\uc744 \uc548\uc804\ud558\uac8c \uc774\uccb4\ud558\ub294 \uae30\uc220 \uc778\ud504\ub77c\uc785\ub2c8\ub2e4. \uac70\ub798\uc758 \ub450 \ub2f9\uc0ac\uc790 \uac04\uc758 \uac00\uad50 \uc5ed\ud560\uc744 \ud558\uba70 \uad6d\uacbd \uac04 \ub610\ub294 \ud604\uc9c0 \uac70\ub798\uac00 \uc6d0\ud65c\ud558\uac8c \uc644\ub8cc\ub420 \uc218 \uc788\ub3c4\ub85d \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/p>\n<h3>1.2 \ud575\uc2ec \uae30\ub2a5<\/h3>\n<ul>\n<li><strong>\ub2e4\uc911 \ud1b5\ud654 \uc9c0\uc6d0<\/strong>INR(\uc778\ub3c4 \ub8e8\ud53c) \ubc0f \uae30\ud0c0 \uc8fc\uc694 \ud1b5\ud654 \ucde8\uae09<\/li>\n<li><strong>\ub2e4\uc591\ud55c \ud1b5\ud569 \ubc29\ubc95<\/strong>API, SDK, \ud50c\ub7ec\uadf8\uc778 \ubc0f \uae30\ud0c0 \uae30\uc220 \uc561\uc138\uc2a4 \uc194\ub8e8\uc158<\/li>\n<li><strong>\uc2e4\uc2dc\uac04 \uc815\uc0b0<\/strong>\uc77c\ubd80 \ucc44\ub110\uc5d0\uc11c T+0 \ub610\ub294 T+1 \uc815\uc0b0 \uc8fc\uae30 \uc0ac\uc6a9 \uac00\ub2a5<\/li>\n<li><strong>\uc704\ud5d8 \uad00\ub9ac<\/strong>\uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc758 \uc5c4\uaca9\ud55c \uaddc\uc81c \uc694\uac74\uc744 \uc900\uc218\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\ub370\uc774\ud130 \uc2dc\ud2b8<\/strong>\uc0c1\uc138 \uac70\ub798 \uae30\ub85d \ubc0f \uc815\uc0b0 \ubb38\uc11c \uc81c\uacf5<\/li>\n<\/ul>\n<h2>\uc778\ub3c4 \uc804\ubb38 \uacb0\uc81c \ucc44\ub110\uc774 \ud544\uc694\ud55c \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n<h3>2.1 \uc2dc\uc7a5 \ud2b9\uc218\uc131 \uace0\ub824 \uc0ac\ud56d<\/h3>\n<h4>(1) \uc5c4\uaca9\ud55c \uaddc\uc81c \uc815\ucc45<\/h4>\n<p>2023\ub144\uc758 \ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \uc778\ub3c4\uc5d0\uc11c \uc6b4\uc601 \uc911\uc778 \ubaa8\ub4e0 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \ubc18\ub4dc\uc2dc \ubcf4\uc720\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>RBI\uc5d0\uc11c \ubc1c\uae09\ud55c PA(\uacb0\uc81c \uc560\uadf8\ub9ac\uac8c\uc774\ud130) \ub77c\uc774\uc120\uc2a4<\/li>\n<li>PCI-DSS \uc900\uc218 \uc778\uc99d<\/li>\n<li>GST \uc138\uae08 \ub4f1\ub85d \uc99d\uba85\uc11c<\/li>\n<\/ul>\n<h4>(2) \ub2e4\uc591\ud55c \uc0ac\uc6a9\uc790 \uc120\ud638\ub3c4<\/h4>\n<p>\uc124\ubb38\uc870\uc0ac \uacb0\uacfc<br \/>\n| \uacb0\uc81c \ubc29\ubc95 &gt; \uc0ac\uc6a9 \ube44\uc728 &gt; \uc0ac\uc6a9 \ube44\uc728<br \/>\n|&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;-|<br \/>\n| UPI | 58% | 58%<br \/>\n|\uc9c0\uac11 | 23% |<br \/>\n|\uc740\ud589 \uce74\ub4dc | 15% |<br \/>\n|\uae30\ud0c0 | 4% |<\/p>\n<h3>2.2 UPI \uc6b0\uc704<\/h3>\n<p>\ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4(UPI)\ub294 \uc774\uc81c \uc644\uc804\ud788 \uc8fc\ub958\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4:<\/p>\n<h2>\uc14b\uc9f8, \uc778\ub3c4\uc758 \uc8fc\uc694 \uacb0\uc81c \uc218\ub2e8 \uc0c1\uc138 \uc815\ubcf4<\/h2>\n<h3>3.1 UPI(\ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4)<\/h3>\n<p>UPI\ub294 \uc778\ub3c4 \uad6d\ub9bd \uacb0\uc81c \uacf5\uc0ac(NPCI)\uc5d0\uc11c \uac1c\ubc1c\ud55c \uc2e4\uc2dc\uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc73c\ub85c, \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \uc131\uacf5\uc801\uc778 \ub514\uc9c0\ud138 \uacb0\uc81c \uc0ac\ub840 \uc911 \ud558\ub098\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. 2023\ub144 \uae30\uc900:<\/p>\n<ul>\n<li><strong>\uc6d4\uac04 \uac70\ub798\ub7c9<\/strong>80\uc5b5 \uac74 \uc774\uc0c1\uc758 \uac70\ub798<\/li>\n<li><strong>\uc0ac\uc6a9\uc790 \uaddc\ubaa8<\/strong>3\uc5b5 \uba85 \uc774\uc0c1\uc758 \ub4f1\ub85d \uc0ac\uc6a9\uc790<\/li>\n<li><strong>\uc8fc\uc694 \uc560\ud50c\ub9ac\ucf00\uc774\uc158<\/strong>\ud3f0\ud398, \uad6c\uae00 \ud398\uc774, \ud398\uc774\ud2f0\uc5e0 \ub4f1<\/li>\n<\/ul>\n<h4>\uc6b4\uc601 \ud2b9\uc131:<\/h4>\n<ol>\n<li><strong>\uc2e0\uc18d\ud55c \uacb0\uc81c<\/strong>24\uc2dc\uac04 \uc5f0\uc911\ubb34\ud734 \uc2e4\uc2dc\uac04 \uccad\uc0b0<\/li>\n<li><strong>\uc218\uc218\ub8cc \uc5c6\uc74c<\/strong>: \uac1c\uc778 \uac04 \uc1a1\uae08 \uc2dc \uc218\uc218\ub8cc \ubb34\ub8cc<\/li>\n<li><strong>VPA \uac00\uc0c1 \uc8fc\uc18c<\/strong>\uc740\ud589 \uacc4\uc88c\uc758 \uace0\uc720 ID(\uc608: name@upi) \ub300\uc2e0 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uc2a4\uce94 \ucf54\ub4dc \uacb0\uc81c(\ucef4\ud4e8\ud305)<\/strong>\uc815\uc801 \ubc0f \ub3d9\uc801 QR\ucf54\ub4dc \uc9c0\uc6d0<\/li>\n<\/ol>\n<h3>3.2 \uc804\uc790\uc9c0\uac11 \uc194\ub8e8\uc158<\/h3>\n<p>UPI\uc758 \ube60\ub978 \uc131\uc7a5\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc9c0\uac11 \uae30\ubc18 \uc81c\ud488\uc740 \ud2b9\uc815 \uc2dc\ub098\ub9ac\uc624\uc5d0\uc11c \uc5ec\uc804\ud788 \uc6b0\uc704\ub97c \uc810\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<table>\n<thead>\n<tr>\n<th>\ub300\ud45c \uc81c\ud488<\/th>\n<th>\uc8fc\uc694 \uae30\ub2a5<\/th>\n<th>\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Paytm<\/td>\n<td>\uc601\ud654 \ud2f0\ucf13\/\uacf5\uacfc\uae08 \uacb0\uc81c<\/td>\n<td>O2O \ub9ac\ud14c\uc77c<\/td>\n<\/tr>\n<tr>\n<td>\ubaa8\ube44\ud035<\/td>\n<td>\"\ubd80\uc2a4\ud2b8\" \uc2e0\uc6a9 \ud55c\ub3c4<\/td>\n<td>BNPL \ud560\ubd80<\/td>\n<\/tr>\n<tr>\n<td>Amazon Pay<\/td>\n<td>\ud504\ub77c\uc784 \uba64\ubc84\uc2ed \ud3ec\uc778\ud2b8 \uc0ac\uc6a9<\/td>\n<td>\uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc \uc18c\ube44<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\ucc38\uace0: RBI \uaddc\uc815\uc5d0 \ub530\ub77c \ubaa8\ub4e0 \uc9c0\uac11\uc740 \ub300\ub7c9 \uac70\ub798\ub97c \ud558\ub824\uba74 KYC \uc778\uc99d\uc744 \uc644\ub8cc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/em><\/p>\n<h3>3.3 \uce74\ub4dc \ub124\ud2b8\uc6cc\ud06c \uc0c1\ud0dc<\/h3>\n<p>\uc2e0\uc6a9\uce74\ub4dc\/\uc9c1\ubd88\uce74\ub4dc\ub294 \uc0ac\uc6a9\ub960 \uac10\uc18c\uc5d0\ub3c4 \ubd88\uad6c\ud558\uace0 \uc5ec\uc804\ud788 \uac00\uce58\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ud604\uc9c0 RuPay \uce74\ub4dc<\/strong>(\uc9c1\ubd88 \uce74\ub4dc \ubc1c\uae09 65%)<\/li>\n<li>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc \ud504\ub9ac\ubbf8\uc5c4 \uc0ac\uc6a9\uc790 \uadf8\ub8f9<\/li>\n<li>EMI \ud560\ubd80 \uc635\uc158(\ud2b9\ud788 \ub2e8\uac00\uac00 \ub192\uc740 \ud488\ubaa9\uc758 \uacbd\uc6b0)<\/li>\n<\/ul>\n<h2><\/h2>\n<h2><\/h2>\n<p>\ub137\uc9f8, \uc778\ub3c4\uc5d0\uc11c \uc801\ud569\ud55c \uacb0\uc81c \ucc44\ub110\uc744 \uc120\ud0dd\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/p>\n<h3><\/h3>\n<ol start=\"4\"><\/p>\n<li><\/li>\n<\/ol>\n<p>1<\/p>\n<p>\ud310\ub9e4\uc790 \ub2c8\uc988 \ub9e4\uce6d \uc6d0\uce59<\/p>\n<p>\ud3c9\uac00 \uae30\uc900\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud558\uc9c0\ub9cc \uc774\uc5d0 \uad6d\ud55c\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>- \uc0b0\uc5c5 \ud2b9\uc131<br \/>\n\ucf00\uc774\ud130\ub9c1 \uc5c5\uacc4\ub294 \uc2a4\uce94 \ubc0f \uacb0\uc81c \uae30\ub2a5\uc5d0 \uc9d1\uc911\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\nSaaS \uad6c\ub3c5\uc5d0\ub294 \uc815\uae30\uc801 \uc790\ub3d9 \uc774\uccb4 \uc2b9\uc778(RuPay Mandate)\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<\/p>\n<p>- \uc815\uc0b0 \uc8fc\uae30 \uc694\uad6c \uc0ac\ud56d<br \/>\n\uc77c\ubc18 \ucc44\ub110 T+2~T+5<br \/>\n\uc2e0\uc18d \uc11c\ube44\uc2a4\ub97c T+0\uc73c\ub85c \ub2e8\ucd95\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(\uc77c\ubc18\uc801\uc73c\ub85c \ucd94\uac00 \uc694\uae08\uc774 \ubd80\uacfc\ub428).<\/p>\n<p>- \uacb0\uc81c \uac70\ubd80\uc5d0 \ub300\ucc98\ud558\ub294 \uba54\ucee4\ub2c8\uc998<br \/>\nPCI-DSS \uc900\uc218 \ubd84\uc7c1 \ud574\uacb0 \ud504\ub85c\uc138\uc2a4<br \/>\n\uc0ac\uae30 \uac70\ub798 \ud074\ub808\uc784<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc774\ub780 \ubb34\uc5c7\uc778\uac00\uc694? \ucd08\ubcf4\uc790\ub294 \ud3ec\uad04\uc801 \uc778 \uc18c\uac1c\ub97c\ubcf4\uc544\uc57c\ud569\ub2c8\ub2e4 A. \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc758 \uae30\ubcf8 ...<\/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-2867","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\u9053\u662f\u4ec0\u4e48\uff1f\u65b0\u624b\u5fc5\u770b\u5168\u9762\u4ecb\u7ecd - 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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