{"id":2885,"date":"2025-05-20T14:16:13","date_gmt":"2025-05-20T06:16:13","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2885"},"modified":"2025-05-20T14:16:13","modified_gmt":"2025-05-20T06:16:13","slug":"%e5%a6%82%e4%bd%95%e9%9b%86%e6%88%90%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98api%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\/20\/%e5%a6%82%e4%bd%95%e9%9b%86%e6%88%90%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98api%ef%bc%9f%e5%bc%80%e5%8f%91%e8%80%85%e6%8c%87%e5%8d%97\/","title":{"rendered":"\ud544\ub9ac\ud540 \uacb0\uc81c API\ub97c \ud1b5\ud569\ud558\ub294 \ubc29\ubc95?\uac1c\ubc1c\uc790 \uac00\uc774\ub4dc"},"content":{"rendered":"<h1>\ud544\ub9ac\ud540 \uacb0\uc81c API\ub97c \ud1b5\ud569\ud558\ub294 \ubc29\ubc95?\uac1c\ubc1c\uc790 \uac00\uc774\ub4dc<\/h1>\n<h2>\uc18c\uac1c: \ud544\ub9ac\ud540 \uacb0\uc81c API \ud1b5\ud569\uc774 \ud544\uc694\ud55c \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n<p>\ud544\ub9ac\ud540 \uc2dc\uc7a5\uc5d0\uc11c \uc804\uc790\uc0c1\uac70\ub798\uac00 \ube60\ub974\uac8c \uc131\uc7a5\ud568\uc5d0 \ub530\ub77c \ud604\uc9c0 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ud3b8\ub9ac\ud558\uace0 \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc218\ub2e8\uc744 \uc81c\uacf5\ud558\ub294 \uac83\uc774 \ube44\uc988\ub2c8\uc2a4\uc758 \ud575\uc2ec \uc131\uacf5 \uc694\uc778\uc774 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ud544\ub9ac\ud540\uc758 \uc8fc\uc694 \uacb0\uc81c API\uc640 \ud1b5\ud569\ud558\uc5ec \ud604\uc9c0\uc5d0\uc11c \uc778\uae30 \uc788\ub294 \uc804\uc790\uc9c0\uac11 \ubc0f \uc740\ud589 \uc1a1\uae08 \uc11c\ube44\uc2a4\uc778 GCash, PayMaya, Dragonpay \ub4f1\uc5d0 \uc561\uc138\uc2a4\ud558\uc5ec \uc804\ud658\uc728\uc744 \ud06c\uac8c \ub192\uc774\uace0 \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ucd5c\uc801\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc774 \uac00\uc774\ub4dc\ub294 \uac1c\ubc1c\uc790\uac00 \ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc778\ud130\ud398\uc774\uc2a4 \uc791\uc5c5\uc744 \ud6a8\uc728\uc801\uc73c\ub85c \uc644\ub8cc\ud560 \uc218 \uc788\ub3c4\ub85d \uc0ac\uc804 \uc900\ube44\ubd80\ud130 \ucd5c\uc885 \ud14c\uc2a4\ud2b8 \ubc0f \ucd9c\uc2dc\uae4c\uc9c0 \uc804\uccb4 \ud504\ub85c\uc138\uc2a4\ub97c \uc790\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n<h2>I. \uc0ac\uc804 \uc900\ube44<\/h2>\n<h3>1.1 \ud544\ub9ac\ud540\uc758 \uc8fc\uc694 \uacb0\uc81c\uc218\ub2e8 \uc774\ud574\ud558\uae30<\/h3>\n<p>\uae30\uc220 \uc5f0\ub3d9\uc744 \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \uba3c\uc800 \ud544\ub9ac\ud540 \uc2dc\uc7a5\uc758 \uc8fc\uc694 \uacb0\uc81c \ucc44\ub110\uc744 \uc219\uc9c0\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/strong>:: GCash(\uc2dc\uc7a5 \uc810\uc720\uc728 ~601 TP3T), PayMaya(~301 TP3T)<\/li>\n<li><strong>\uc740\ud589 \uc1a1\uae08<\/strong>BDO, BPI, \uba54\ud2b8\ub85c\ubc45\ud06c \ubc0f \uae30\ud0c0 \uc8fc\uc694 \uc740\ud589 \uc628\ub77c\uc778 \ubc45\ud0b9<\/li>\n<li><strong>\ud3b8\uc758\uc810 \ud604\uae08 \uacb0\uc81c<\/strong>: \uc138\ube10\uc77c\ub808\ube10 CLiQQ, \ud314\ub77c\uc644 \uc775\uc2a4\ud504\ub808\uc2a4<\/li>\n<li><strong>\uc2e0\uc6a9\/\uc9c1\ubd88 \uce74\ub4dc<\/strong>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\/JCB \ud604\uc9c0 \ubc1c\uae09 \uce74\ub4dc<\/li>\n<\/ul>\n<h3>1.2 API \ubb38\uc11c \uac00\uc838\uc624\uae30 \ubc0f \uc77d\uae30<\/h3>\n<p>\ub300\uc0c1 \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc758 \uac1c\ubc1c\uc790 \ud3ec\ud138\uc744 \ubc29\ubb38\ud558\uc5ec \uacc4\uc815\uc744 \ub4f1\ub85d\ud558\uace0 API \ud0a4\ub97c \uc2e0\uccad\ud558\uc138\uc694:<\/p>\n<ul>\n<li>GCash \uac1c\ubc1c \ubb38\uc11c:<a href=\"https:\/\/developer.gcash.com\">developer.gcash.com<\/a><\/li>\n<li>PayMaya \ud1b5\ud569 \uac00\uc774\ub4dc:<a href=\"https:\/\/developers.paymaya.com\">developers.paymaya.com<\/a><\/li>\n<li>\ub4dc\ub798\uace4\ud398\uc774 \uc778\ud130\ud398\uc774\uc2a4 \uc0ac\uc591:<a href=\"https:\/\/www.dragonpay.ph\/api\">www.dragonpay.ph\/api<\/a><\/li>\n<\/ul>\n<p>\uc778\uc99d \uba54\ucee4\ub2c8\uc998(\uc77c\ubc18\uc801\uc73c\ub85c OAuth 2.0), \uc694\uccad \ube48\ub3c4 \uc81c\ud55c, \uc624\ub958 \ucf54\ub4dc \uc124\uba85\uacfc \uac19\uc740 \uc911\uc694\ud55c \uc815\ubcf4\ub294 \uc124\uba85\uc11c\ub97c \uc8fc\uc758 \uae4a\uac8c \uc77d\uc5b4\ubcf4\uc138\uc694.<\/p>\n<h2>II. \uae30\uc220\uc801 \uad6c\ud604 \ub2e8\uacc4\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \uc124\uba85<\/h2>\n<h3>2.1 \ud658\uacbd \uad6c\uc131 \ubc0f \uc885\uc18d\uc131 \uc124\uce58<\/h3>\n<p>\ubc31\uc5d4\ub4dc \uae30\uc220 \uc2a4\ud0dd\uc5d0 \ub530\ub77c \ud544\uc694\ud55c SDK \ub610\ub294 HTTP \ud074\ub77c\uc774\uc5b8\ud2b8 \ub77c\uc774\ube0c\ub7ec\ub9ac\ub97c \uc124\uce58\ud558\uc138\uc694:<\/p>\n<pre><code class=\"language-python\"># \ud30c\uc774\uc36c \uc608\uc81c(pip \uc124\uce58)<br>\r\npip \uc124\uce58 \uc694\uccad \ud30c\uc774\uc36c-\ub3c4\ud2b8\uc5d4\ube0c \uc554\ud638\ud654\ub97c \uc694\uccad\ud569\ub2c8\ub2e4.<br>\r\n<\/code><\/pre>\n<pre><code class=\"language-javascript\">\/\/ Node.js \uc608\uc81c(npm \uc124\uce58) <br>\r\n\uc5d4\ud53c\uc5e0 \uc124\uce58 axios \ub3c4\ud150\ube0c \ud06c\ub9bd\ud1a0-js<br>\r\n<\/code><\/pre>\n<p>\uc11c\ubc84\uac00 \ub2e4\uc74c \uae30\ubcf8 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4:<\/p>\n<h2>2.2 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4 \uc778\uc99d \uad6c\uc131<\/h2>\n<p>\ubaa8\ub4e0 \ud544\ub9ac\ud540 \uacb0\uc81c API\uc5d0\ub294 \uc5c4\uaca9\ud55c \uc778\uc99d\uc774 \ud544\uc694\ud558\uba70, \uc77c\ubc18\uc801\uc778 \uad6c\uc131\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-javascript\">\/\/ \ud658\uacbd \ubcc0\uc218 \uad6c\uc131(.env \ud30c\uc77c)<br>\r\nPAYMAYA_API_KEY=live_yourapikey123<br>\r\nGCASH_MERCHANT_ID=M123456789<br>\r\nDRAGONPAY_SECRET_KEY=dp_encryption_key_2023<br>\r\n<br>\r\n\/\/ Node.js \uc778\uc99d \ud5e4\ub354 \uc608\uc2dc<br>\r\nconst headers = {<br>\r\n  '\uad8c\ud55c': `\ubc1c\uc2e0\uc790 ${process.env.PAYMAYA_API_KEY}`,<br>\r\n  '\ucf58\ud150\uce20 \uc720\ud615': 'application\/json',<br>\r\n  'X-Request-ID': uuidv4() \/\/ \uace0\uc720 \uc694\uccad \uc2dd\ubcc4\uc790<br>\r\n};<br>\r\n<\/code><\/pre>\n<p><strong>\ud2b9\ubcc4 \uc8fc\uc758<\/strong>::<\/p>\n<ul>\n<li>GCash \ud504\ub85c\ub355\uc158 \ud658\uacbd\uc5d0\uc11c\ub294 PCI-DSS \uc900\uc218 \uc778\uc99d\uc11c\ub97c \ubcc4\ub3c4\ub85c \uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\ub4dc\ub798\uace4\ud398\uc774\ub294 \ub9e4\uac1c\ubcc0\uc218\uc5d0 SHA256 \ud574\uc2dc \uc11c\uba85\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/li>\n<li>PayMaya \ud14c\uc2a4\ud2b8 \ud658\uacbd \uc0ac\uc6a9<code>\uc0cc\ub4dc\ubc15\uc2a4_<\/code>\uc811\ub450\uc0ac \ud0a4<\/li>\n<\/ul>\n<h3>2.3 \ud575\uc2ec \uae30\ub2a5 \uad6c\ud604 \ubaa8\ub4c8<\/h3>\n<h4>A. \uc8fc\ubb38 \uc0dd\uc131 \uc778\ud130\ud398\uc774\uc2a4(PayMaya \uc608\uc2dc)<\/h4>\n<pre><code class=\"language-python\">def create_payment(order_id, amount).<br>\r\n    \ud398\uc774\ub85c\ub4dc = {<br>\r\n        \"totalAmount\": { <br>\r\n            \"value\": float(amount),<br>\r\n            \"\ud1b5\ud654\": \"PHP\"<br>\r\n        },<br>\r\n        \"\uc694\uccad \ucc38\uc870 \ubc88\ud638\": \uc8fc\ubb38_id,<br>\r\n        \"redirectUrl\": {<br>\r\n            \"\uc131\uacf5\": f \"https:\/\/yourdomain.com\/success?oid={order_id}\",<br>\r\n            \"failure\": f \"https:\/\/yourdomain.com\/failed?oid={order_id}\"<br>\r\n        }<br>\r\n    }<br>\r\n    <br>\r\n    \uc751\ub2f5 = requests.post(<br>\r\n        'https:\/\/pg-sandbox.paymaya.com\/checkout\/v1\/checkouts',<br>\r\n        json=payload.<br>\r\n        headers={<br>\r\n           '\uad8c\ud55c \ubd80\uc5ec': f'\uae30\ubcf8 {base64.b64encode(f\"{api_key}:\".encode()).decode()}'<br>\r\n       })<br>\r\n    <br>\r\n    return response.json()['redirectUrl'] # \ubc18\ud488 \uacb0\uc81c \ubc14\ub85c\uac00\uae30 \ub9c1\ud06c<br>\r\n<\/code><\/pre>\n<h4>B. \uc6f9\ud6c5 \uc54c\ub9bc \ucc98\ub9ac(GCash \uc608\uc2dc)<\/h4>\n<pre><code class=\"language-php\">\/\/ \uc11c\uba85 \ud655\uc778\uc744 \uc704\ud55c \uc8fc\uc694 PHP \ucf54\ub4dc \uc2a4\ub2c8\ud3ab <br>\r\n$received_signature = $_SERVER['HTTP_X_GCASH_SIGNature'];<br>\r\n$payload = file_get_contents('php:\/\/input');<br>\r\n$\ucef4\ud4e8\ud2f0\ub4dc \uc11c\uba85 = hash_hmac('sha256', $\ud398\uc774\ub85c\ub4dc, $\uc2dc\ud06c\ub9bf_\ud0a4);<br>\r\n<br>\r\nif(hash_equals($computed_signature, $received_signature)){<br>\r\n    $\ub370\uc774\ud130 = json_decode($payload);<br>\r\n    update_order_status($data-&gt;referenceNumber, $data-&gt;status); <br>\r\n}<br>\r\n<\/code><\/pre>\n<h2><\/h2>\n<h2><\/h2>\n<p>III. \ud2b9\ubcc4 \uc2dc\ub098\ub9ac\uc624 \uce58\ub8cc \ud504\ub85c\uadf8\ub7a8(\uacc4\uc18d)<\/p>\n<h3><strong>3.3 OTC \uce74\uc6b4\ud130 \ud604\uae08 \uacb0\uc81c \ud504\ub85c\uc138\uc2a4<\/strong><\/h3>\n<p>\ud544\ub9ac\ud540\uc758 \ub3c5\ud2b9\ud55c \ud3b8\uc758\uc810 \ud604\uae08 \uacb0\uc81c\ub294 \ud2b9\ubcc4\ud55c \ucde8\uae09\uc774 \ud544\uc694\ud569\ub2c8\ub2e4:<\/p>\n<ol>\n<li>\n<p><strong>\uacb0\uc81c \ubc14\ucf54\ub4dc \uc0dd\uc131<\/strong><\/p>\n<pre><code class=\"language-java\">\/\/ \ub4dc\ub798\uace4\ud398\uc774 \uc138\ube10\uc77c\ub808\ube10 \uacb0\uc81c \ucf54\ub4dc \uc0dd\uc131 \uc608\uc2dc  <br>\r\npublic String generateOTCReference(String amount) throw Exception {<br>\r\n    \ubb38\uc790\uc5f4 \ub9e4\uac1c \ubcc0\uc218 = merchantId +\"\":\"+\uae08\uc561+\":\"+\uac70\ub798 ID;<br>\r\n    \ubc18\ud658 Base64.getEncoder().encodeToString(<br>\r\n            hmacSHA256(parameters.getBytes(), secretKey.getBytes())<br>\r\n    ).substring(0,12);<br>\r\n}  <br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\uce74\uc6b4\ud130 \uacb0\uc81c \uc0c1\ud0dc \ud22c\ud45c<\/strong><\/p>\n<ul>\n<li>CLiQQ: API\ub294 5\ubd84\ub9c8\ub2e4 \ucffc\ub9ac \uac00\ub2a5(\uc77c\uc77c \ud55c\ub3c4 50\uac1c)<\/li>\n<li>\ud314\ub77c\uc644: SMS \uc54c\ub9bc\uc774 \ub354 \uc548\uc815\uc801\uc774\uba70 \uae30\ubcf8 \ucf5c\ubc31 \ubc29\ubc95\uc73c\ub85c \uad8c\uc7a5\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h2><\/h2>\n<p>IV. \ucd9c\uc2dc \uc804 \ud544\uc218 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<table>\n<thead>\n<tr>\n<th><strong>\uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/strong><\/th>\n<th><strong>(\uacf5\uc2dd) \ud45c\uc900<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SSL \uc778\uc99d\uc11c \uc720\ud6a8\uae30\uac04<\/td>\n<td>\u2265 6\uac1c\uc6d4 \uc774\uc0c1\uc774\uba70 \uc804\uccb4 \uc2e0\ub8b0 \uccb4\uc778\uc744 \ud3ec\ud568\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>PHP \ubc84\uc804 \ud638\ud658\uc131<\/td>\n<td>\u2265 7.4 \uc774\uc0c1 \ubc0f \uc548\uc804\ud558\uc9c0 \uc54a\uc740 \ud574\uc2dc \uc54c\uace0\ub9ac\uc998(md5) \ube44\ud65c\uc131\ud654<\/td>\n<\/tr>\n<tr>\n<td>\ud398\uc18c \uae08\uc561 \ud615\uc2dd<\/td>\n<td>JSON\uc5d0\uc11c \uc18c\uc218\uc810 \uc774\ud558 \ub450 \uc790\ub9ac \uac15\uc81c \uc801\uc6a9(\"100.00\")<\/td>\n<\/tr>\n<tr>\n<td>GCash \ud310\ub9e4\uc790 \uc774\ub984 \ud45c\uc2dc<\/td>\n<td>\u2264 \ud2b9\uc218 \uae30\ud638 \uc5c6\uc774 16\uc790 \uc774\ub0b4<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>V. \uc77c\ubc18\uc801\uc778 \uc624\ub958 \ubb38\uc81c \ud574\uacb0\uc744 \uc704\ud55c \uac00\uc774\ub4dc\ub77c\uc778<\/p>\n<p>\ud83d\udee0\ufe0f <strong>\uc624\ub958 \ucf54\ub4dc DP0219(\ub4dc\ub798\uace4\ud398\uc774)<\/strong><br \/>\n<em>\uc774\uc288<\/em>\uc740\ud589 \uc720\uc9c0\ubcf4\uc218 \uc2dc\uac04 \ub3d9\uc548 \uac70\ub798\uac00 \uc2e4\ud328\ud55c \uacbd\uc6b0<br \/>\n<em>\ucc98\ubc29\uc804<\/em>\uc804\uc790\uc9c0\uac11 \ucc44\ub110\ub85c \uc790\ub3d9 \uc804\ud658\ud558\uac70\ub098 \ub2e4\uc74c \ub0a0 \ub2e4\uc2dc \uc2dc\ub3c4\ud558\ub77c\ub294 \uba54\uc2dc\uc9c0\ub97c \ud45c\uc2dc\ud569\ub2c8\ub2e4.<\/p>\n<p>\ud83d\udd0d <strong>PayMaya \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd 404 \uc751\ub2f5<\/strong><br \/>\n- <em>\ud655\uc778 1<\/em>URL\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<code>\/sandbox\/<\/code>\uacbd\ub85c \uc139\uc158<br \/>\n- <em>\ud655\uc778 2<\/em>\uc694\uccad \ud5e4\ub354\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub429\ub2c8\ub2e4.<code>\uae30\ubcf8 \uc124\uc815: code=200; dynamic=true<\/code><\/p>\n<hr>\n<p>VI. \uc131\ub2a5 \ucd5c\uc801\ud654 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\u2705 <em>\uc5f0\uacb0 \ud480 \uad6c\uc131<\/em>\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \ub300\ud55c \uae34 \uc5f0\uacb0 \uc720\uc9c0(Tomcat maxKeepAliveRequests\u2265100)<br \/>\n\u2705 <em>\ube44\ub3d9\uae30 \ub85c\uae45<\/em>TPS\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\ub294 \ub3d9\uae30\uc2dd \uc4f0\uae30 \ubc29\uc9c0(Log4j2 AsyncLogger \uad8c\uc7a5)<\/p>\n<p>\uc704\uc758 \uae30\uc220 \uc194\ub8e8\uc158\uc744 \uc801\uc6a9\ud558\uba74 \ud544\ub9ac\ud540\uc758 \uacb0\uc81c \uc131\uacf5\ub960\uc744 \ud3c9\uade0 78%\uc5d0\uc11c 92% \uc774\uc0c1\uc73c\ub85c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc2e4\uc81c \uc0ac\ub840\uc5d0 \ub530\ub974\uba74 \ud55c \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5\uc758 \ubaa8\ubc14\uc77c \uc804\ud658\uc728\uc740 GCash \ub3c4\uc785 \ud6c4 37% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>VII. \ud544\ub9ac\ud540 \uacb0\uc81c API \ud1b5\ud569\uc744 \uc704\ud55c \uace0\uae09 \ucd5c\uc801\ud654 \uc804\ub7b5<\/h2>\n<h3>7.1 \uc2a4\ub9c8\ud2b8 \uacb0\uc81c \ub77c\uc6b0\ud305 \uc124\uacc4<\/h3>\n<p>\ud544\ub9ac\ud540\uc758 \ubcf5\uc7a1\ud55c \uacb0\uc81c \ud658\uacbd\uc744 \uc704\ud574 \uc9c0\ub2a5\ud615 \ub77c\uc6b0\ud305\uc744 \uad6c\ud604\ud560 \uac83\uc744 \uc81c\uc548\ud569\ub2c8\ub2e4:<\/p>\n<pre><code class=\"language-python\">def select_payment_channel(user_device, amount).<br>\r\n    # \uc0ac\uc6a9\uc790 \ud2b9\uc131\uc5d0 \ub530\ub77c \ucd5c\uc801\uc758 \ucc44\ub110\uc744 \uc790\ub3d9\uc73c\ub85c \uc120\ud0dd\ud569\ub2c8\ub2e4.<br>\r\n    user_device['os'] == 'iOS'\uc774\uace0 \uae08\uc561\uc774 5000 \ubbf8\ub9cc\uc778 \uacbd\uc6b0.<br>\r\n        'gcash' # iOS \uc0ac\uc6a9\uc790 \uc18c\uc6b0\uc120\uc21c\uc704 gcash\ub97c \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n    elif user_device['network'] == 'mobile'.<br>\r\n        \ubaa8\ubc14\uc77c \ub124\ud2b8\uc6cc\ud06c\uc5d0\uc11c \ud398\uc774\ub9c8\uc57c \uc131\uacf5\ub960 # \ub192\uc774\uae30<br>\r\n    else.<br>\r\n        'dragonpay_bank' # PC \uae30\ubcf8 \uc740\ud589 \uc1a1\uae08\uc744 \ubc18\ud658\ud569\ub2c8\ub2e4.<br>\r\n    <br>\r\n\uc2e4\uc2dc\uac04 \ubaa8\ub2c8\ud130\ub9c1 \ubc0f \ub3d9\uc801 \uc2a4\uc704\uce6d\uacfc \uacb0\ud569\ub41c #    <br>\r\nget_failure_rate('gcash') &gt; threshold. <br>\r\n    \ud65c\uc131\ud654_\ubc31\uc5c5_\ucc44\ub110()<br>\r\n<\/code><\/pre>\n<p><strong>\ub77c\uc6b0\ud305 \uacb0\uc815 \uc694\uc778<\/strong>::<\/p>\n<ul>\n<li><strong>\uae08\uc561 \uacc4\uce35\ud654<\/strong>\u20b110000 \uc740\ud589 \uc778\uc99d \ud544\uc218<\/li>\n<li><strong>\uc2dc\uac04\ub300 \ucd5c\uc801\ud654<\/strong>\ud604\uc9c0 \uc740\ud589 \uc2dc\uc2a4\ud15c \ub9c8\uac10 \uc2dc\uac04(23:30-01:00 GMT+8)\uc744 \ud53c\ud558\uc138\uc694.<\/li>\n<li><strong>\ub514\ubc14\uc774\uc2a4 \uc801\uc751<\/strong>\uc800\uc0ac\uc591 Android \ubaa8\ub378\uc5d0 \ub300\ud574 \ub9ac\uc18c\uc2a4 \uc9d1\uc57d\uc801\uc778 3DS \uc778\uc99d \ube44\ud65c\uc131\ud654\ud558\uae30<\/li>\n<\/ul>\n<h3><\/h3>\n<h2><\/h2>\n<p>7.2 PHP \ubc0f Java\uc6a9 \ud2b9\uc218 \ucc98\ub9ac \uc194\ub8e8\uc158<\/p>\n<h4><strong>PHP \uac1c\ubc1c\uc790\ub97c \uc704\ud55c \ucc38\uace0 \uc0ac\ud56d<\/strong><\/h4>\n<pre><code class=\"language-php\">\/\/ GCash \ucf5c\ubc31 \ub370\uc774\ud130 \ud2b9\uc218 \ucc98\ub9ac(\uc911\uad6d\uc5b4 \uc778\ucf54\ub529 \ubb38\uc81c \ud574\uacb0)<br>\r\n$rawData = file_get_contents(\"php:\/\/input\");<br>\r\n$decodedData = json_decode(iconv('ISO-8859-1', 'UTF-8', $rawData));<br>\r\n<br>\r\n\/\/ Dragonpay \uc11c\uba85 \uc778\uc99d \ub300\uc548(\uc774\uc804 PHP \ubc84\uc804\uc6a9)  <br>\r\n\ud568\uc218 verifySignature($data, $key) {<br>\r\n    if (!function_exists('hash_equals')) { <br>\r\n        \ud568\uc218 hash_equals($str1, $str2) {<br>\r\n            \/\/... \ub9de\ucda4\ud615 \uc548\uc804 \ube44\uad50 \uae30\ub2a5...<br>\r\n        }<br>\r\n    }  <br>\r\n}<br>\r\n<\/code><\/pre>\n<h4><strong>Java \uc5d4\ud130\ud504\ub77c\uc774\uc988 \uad6c\ud604 \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/h4>\n<pre><code class=\"language-java\">\/\/ GCash\uc640 Spring Boot \ud1b5\ud569\uc744 \uc704\ud55c \ubaa8\ubc94 \uc0ac\ub840  <br>\r\n@Configuration <br>\r\n\uacf5\uc6a9 \ud074\ub798\uc2a4 GcashConfig {<br>\r\n    <br>\r\n   @Bean <br>\r\n   public RestTemplate gcashRestTemplate() {   <br>\r\n       SSLContext sslContext = \/\/... PCI-DSS \uc900\uc218 \uc778\uc99d\uc11c \ub85c\ub4dc \uc911...<br>\r\n       HttpClient client = HttpClients.custom()<br>\r\n           .setSSLContext(sslContext)<br>\r\n           .setConnectionTimeToLive(120, TimeUnit.SECONDS)<br>\r\n           .build();<br>\r\n       <br>\r\n       \ubc18\ud658 \uc0c8 RestTemplate(new HttpComponentsClientHttpRequestFactory(client));<br>\r\n   }<br>\r\n}  <br>\r\n<br>\r\n\/\/ JVM \ub9e4\uac1c\ubcc0\uc218 \ucd5c\uc801\ud654 \uad8c\uc7a5 \uc0ac\ud56d(\ub192\uc740 \ub3d9\uc2dc\uc131 \uc2dc\ub098\ub9ac\uc624)  <br>\r\n-Dhttps.\ud504\ub85c\ud1a0\ucf5c=TLSv1.2 -Djdk.tls.\ud074\ub77c\uc774\uc5b8\ud2b8.\ud504\ub85c\ud1a0\ucf5c=TLSv1.2 <br>\r\n<\/code><\/pre>\n<hr>\n<h2><\/h2>\n<p>VIII. \uaddc\uc815 \uc900\uc218 \ubc0f \uc704\ud5d8 \uad00\ub9ac \ud575\uc2ec \uc0ac\ud56d<\/p>\n<h3><strong>8.1 BSP \uaddc\uc815 \uc694\uad6c \uc0ac\ud56d \uc801\uc6a9<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>(\uacc4\uc57d \ub610\ub294 \ubc95\ub960\uc758) \uc870\ud56d<\/strong><\/th>\n<th><strong>\uae30\uc220 \uc81c\uacf5 \ud504\ub85c\uadf8\ub7a8<\/strong><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>AMLC \uc790\uae08 \uc138\ud0c1 \ubc29\uc9c0<\/td>\n<td>\u2265 50,000\ud30c\uc6b4\ub4dc \uc774\uc0c1 \uac70\ub798 \uc2dc \uc815\ubd80 ID \uc0ac\ubcf8 \uc5c5\ub85c\ub4dc \uc758\ubb34\ud654(Base64 \uc800\uc7a5)<\/td>\n<\/tr>\n<tr>\n<td>\ub370\uc774\ud130 \ubcf4\ud638\ubc95<\/td>\n<td>\uc740\ud589 \uce74\ub4dc \ubc88\ud638\uc758 \ucc98\uc74c 6\uc790\ub9ac + \ub9c8\uc9c0\ub9c9 4\uc790\ub9ac\uc758 AES \uc554\ud638\ud654 \uc800\uc7a5<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><\/h3>\n<h3><\/h3>\n<p>8.2 PCI DSS \uaddc\uc815 \uc900\uc218 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<p>\u2705 <em>\ubbfc\uac10\ud55c \uc815\ubcf4 \ud544\ud130\ub9c1<\/em>\ub85c\uadf8\uc5d0\uc11c CVV\/CVC \ud544\ub4dc \uc790\ub3d9 \ucc28\ub2e8<br \/>\n\u2705 <em>\ud0a4 \ud68c\uc804 \uba54\ucee4\ub2c8\uc998<\/em>90\uc77c\ub9c8\ub2e4 \uc554\ud638\ud654 \ud0a4 \uc790\ub3d9 \uc5c5\ub370\uc774\ud2b8(\uacfc\uac70 \uc8fc\ubb38 \uc554\ud638 \ud574\ub3c5\uacfc \ud638\ud658)<\/p>\n<hr>\n<p>IX. \ub370\uc774\ud130 \ubd84\uc11d \ubc0f \uc9c0\uc18d\uc801\uc778 \uac1c\uc120<\/p>\n<p>\ud83d\udcca <em>\ubaa8\ub2c8\ud130\ub9c1\ud574\uc57c \ud560 \ud575\uc2ec \uc9c0\ud45c<\/em>::<\/p>\n<pre><code class=\"language-sql\">\/* PostgreSQL \uc0d8\ud50c \ubd84\uc11d \ucffc\ub9ac *\/  <br>\r\n\uc120\ud0dd <br>\r\n   payment_method.<br>\r\n   AVG(payment_time)\ub97c avg_process_time\uc73c\ub85c \uc124\uc815\ud569\ub2c8\ub2e4,<br>\r\n   COUNT(CASE WHEN status='failed' THEN id END)*100\/COUNT(id)\ub97c fail_rate\ub85c \ubc18\ud658\ud569\ub2c8\ub2e4.   <br>\r\n\ud2b8\ub79c\uc7ad\uc158\uc5d0\uc11c   <br>\r\nWHERE country='PH'<br>\r\nGROUP BY payment_method ORDER BY fail_rate DESC.<br>\r\n<\/code><\/pre>\n<p>\ud83d\udd27 <em>\ucd5c\uc801\ud654 \uc0ac\ub840<\/em>::<br \/>\n\ud55c \uac8c\uc784 \ud68c\uc0ac\uac00 \uc774\ub97c \ubd84\uc11d\ud558\uc5ec \uc54c\uc544\ub0c8\uc2b5\ub2c8\ub2e4:<br \/>\n- \uc8fc\ub9d0\uc5d0 GCash \uc131\uacf5\ub960 \ud558\ub77d 15% \u2192 \ud734\uc77c \ub300\uccb4 \ucc44\ub110 \uc815\ucc45 \ud65c\uc131\ud654<br \/>\n- BDO \uc778\ud130\ub137 \ubc45\ud0b9 \uacb0\uc81c \uc2dc \ud3c9\uade0 3\ubc88\uc758 \uc0c8\ub85c\uace0\uce68\uc774 \ud544\uc694 \u2192 UI\uc5d0 \uba85\uc2dc\uc801 \uc7ac\uc2dc\ub3c4 \ubc84\ud2bc \ucd94\uac00 \ud6c4 \uc644\ub8cc\uc728 221% \ud5a5\uc0c1<\/p>\n<hr>\n<p>X. \ud604\uc9c0\ud654\ub41c \uc6b4\uc601\uc744 \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\ud83d\udecd\ufe0f <em>\uc804\ud658\uc728 \ud5a5\uc0c1\uc744 \uc704\ud55c \uc138\ubd80 \uc815\ubcf4<\/em>::<br \/>\n- \ud398\uc18c \uae30\ud638\ub294 'PHP' \ub300\uc2e0 '\u20b1'\ub85c \ud45c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n- GCash \ubc84\ud2bc \uc0ac\uc6a9 \uacf5\uc2dd \ub179\uc0c9(#15B147)<br \/>\n- \uc77c\ubc18\uc758\uc57d\ud488 \uacb0\uc81c \uc548\ub0b4 \ud3b8\uc758\uc810 \uc720\ud1b5 \uc9c0\ub3c4 \ub9c1\ud06c \ucd94\uac00\ud558\uae30<\/p>\n<p>\ud83d\udcde <em>\uace0\uac1d \uc11c\ube44\uc2a4 \ud544\uc218 \uc9c0\uc2dd<\/em>::<br \/>\n\uc0ac\uc6a9\uc790\uac00 '\uacb0\uc81c \ub9cc\ub8cc' \uc624\ub958\ub97c \uc2e0\uace0\ud558\ub294 \uacbd\uc6b0, \ucda9\uc804 \uc9c0\uc5f0\uc774 \ub2e4\uc74c \uc0ac\uc720\ub85c \uc778\ud55c \uac83\uc778\uc9c0 \ud655\uc778\ud574\uc57c \ud569\ub2c8\ub2e4:<br \/>\n\ud314\ub77c\uc644 \uce74\uc6b4\ud130\uc5d0\uc11c \uacfc\ub3c4\ud55c \ub300\uae30\uc5f4(\uae09\uc5ec\uc77c\uc5d0 \ud754\ud788 \ubc1c\uc0dd)<br \/>\n\ubca0\uc774\uc57c\ub4dc \uc13c\ud130 \uc2dc\uc2a4\ud15c \ub9e4\uc77c 18:00 \uc77c\uad04 \ucc98\ub9ac<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c API\ub97c \ud1b5\ud569\ud558\ub294 \ubc29\ubc95?\uac1c\ubc1c\uc790 \uac00\uc774\ub4dc \uc18c\uac1c: \uc65c \ud544\ub9ac\ud540 \uacb0\uc81c API\uac00 \ud544\uc694\ud55c\uac00\uc694?<\/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-2885","post","type-post","status-publish","format-standard","hentry","category-32"],"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>\u5982\u4f55\u96c6\u6210\u83f2\u5f8b\u5bbe\u652f\u4ed8API\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, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/20\/\u5982\u4f55\u96c6\u6210\u83f2\u5f8b\u5bbe\u652f\u4ed8api\uff1f\u5f00\u53d1\u8005\u6307\u5357\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u96c6\u6210\u83f2\u5f8b\u5bbe\u652f\u4ed8API\uff1f\u5f00\u53d1\u8005\u6307\u5357\" \/>\n<meta property=\"og:description\" content=\"\u5982\u4f55\u96c6\u6210\u83f2\u5f8b\u5bbe\u652f\u4ed8API\uff1f\u5f00\u53d1\u8005\u6307\u5357 \u5f15\u8a00\uff1a\u4e3a\u4ec0\u4e48\u9700\u8981\u83f2\u5f8b\u5bbe&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/05\/20\/\u5982\u4f55\u96c6\u6210\u83f2\u5f8b\u5bbe\u652f\u4ed8api\uff1f\u5f00\u53d1\u8005\u6307\u5357\/\" \/>\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=\"2025-05-20T06:16:13+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=\"2\ubd84\" \/>\n<script type=\"application\/ld+json\" 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