{"id":2939,"date":"2025-05-22T13:51:20","date_gmt":"2025-05-22T05:51:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2939"},"modified":"2025-05-22T13:51:20","modified_gmt":"2025-05-22T05:51:20","slug":"%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e9%80%89%e6%8b%a9%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/22\/%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e9%80%89%e6%8b%a9%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f\/","title":{"rendered":"\uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc740 \uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \ucc44\ub110\uc744 \uc5b4\ub5bb\uac8c \uc120\ud0dd\ud558\ub098\uc694?"},"content":{"rendered":"

\"\uc774\ucee4\uba38\uc2a4<\/p>\n

\uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc740 \uc778\ub3c4\uc5d0\uc11c \uacb0\uc81c \ucc44\ub110\uc744 \uc5b4\ub5bb\uac8c \uc120\ud0dd\ud558\ub098\uc694?<\/h1>\n

I. \uc778\ub3c4 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud2b9\uc131 \uc774\ud574<\/h2>\n

\uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \uc778\ub3c4\ub294 \ub3c5\ud2b9\ud55c \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub97c \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uccab\uc9f8, 2023\ub144\uae4c\uc9c0 \uac70\ub798\ub7c9\uc774 100\uc5b5 \uac74\uc744 \ub118\uc5b4\uc124 \uac83\uc73c\ub85c \uc608\uc0c1\ub418\ub294 UPI(\ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4)\uac00 \uc8fc\ub958\ub85c \uc790\ub9ac \uc7a1\uc558\uc2b5\ub2c8\ub2e4. \ub458\uc9f8, Paytm \ubc0f PhonePe\uc640 \uac19\uc740 \uc9c0\uac11 \uacb0\uc81c\uac00 \uc0c1\ub2f9\ud55c \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc2e0\uc6a9\/\uc9c1\ubd88\uce74\ub4dc \ubcf4\uae09\ub960\uc740 \uc57d 51%\uc774\uc9c0\ub9cc, \uace0\uae09 \uc0ac\uc6a9\uc790\uce35\uc5d0\uc11c \uc790\uc8fc \uc0ac\uc6a9\ub429\ub2c8\ub2e4. \ub300\uae08 \uc0c1\ud658(COD)\uc740 \uc5ec\uc804\ud788 \uc774\ucee4\uba38\uc2a4 \uac70\ub798\uc758 30% \uc774\uc0c1\uc744 \ucc28\uc9c0\ud569\ub2c8\ub2e4.<\/p>\n

\ud604\uc9c0\ud654 \uc815\ub3c4\ub294 \uc804\ud658\uc728\uc5d0 \uc9c1\uc811\uc801\uc778 \uc601\ud5a5\uc744 \ubbf8\uce58\uba70, \ub8e8\ud398\uc774 \uce74\ub4dc\ub97c \uc9c0\uc6d0\ud558\ub294 \ud50c\ub7ab\ud3fc\uc740 \uad6d\uc81c \uce74\ub4dc\ub9cc \uc9c0\uc6d0\ud558\ub294 \ud50c\ub7ab\ud3fc\ubcf4\ub2e4 181% \ub192\uc740 \uc804\ud658\uc728\uc744 \uae30\ub85d\ud588\uc2b5\ub2c8\ub2e4. \uc5b8\uc5b4 \uc9c0\uc6d0\ub3c4 \uc911\uc694\ud55c\ub370, \ud78c\ub514\uc5b4\uc640 \uac19\uc740 \ud604\uc9c0 \uc5b8\uc5b4 \uc778\ud130\ud398\uc774\uc2a4\ub97c \uc81c\uacf5\ud558\ub294 \uacb0\uc81c \ud398\uc774\uc9c0\uc758 \uacbd\uc6b0 \uc774\ud0c8\ub960\uc774 151% \uac10\uc18c\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n

II. \uc8fc\uc694 \uc120\uc815 \uae30\uc900 \ud3c9\uac00<\/h2>\n

1. \uc801\uc6a9 \ubc94\uc704 \ubc0f \ud638\ud658\uc131<\/h3>\n

UPI \uc634\ub2c8\ucc44\ub110 \uc561\uc138\uc2a4 \uc9c0\uc6d0 \uc5ec\ubd80\ub97c \uc6b0\uc120\uc801\uc73c\ub85c \ud655\uc778\ud569\ub2c8\ub2e4(Google Pay, PhonePe \ub4f1\uacfc \uac19\uc740 \uc8fc\uc694 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \ud3ec\ud568). RuPay \uce74\ub4dc\uc640\uc758 \ud638\ud658\uc131 \ubc0f \ucc98\ub9ac \ud6a8\uc728\uc131\uc744 \ud655\uc778\ud569\ub2c8\ub2e4. BHIM \ub4f1 \uc815\ubd80\uac00 \uc7a5\ub824\ud558\ub294 \uacb0\uc81c \uc218\ub2e8\uc744 \uc9c0\uc6d0\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.<\/p>\n

2. \uc694\uae08 \uad6c\uc870 \ube44\uad50<\/h3>\n

\uc77c\ubc18\uc801\uc778 \uc694\uae08 \ubc94\uc704: UPI \uac70\ub798\uc758 \uacbd\uc6b0 0.3~0.81 TP3T, \uc2e0\uc6a9\uce74\ub4dc\uc758 \uacbd\uc6b0 1.5-31 TP3T, \uc9c0\uac11\uc758 \uacbd\uc6b0 1-1.51 TP3T.\uc228\uaca8\uc9c4 \uc218\uc218\ub8cc\uc5d0 \uc8fc\uc758\ud558\uc138\uc694: \uad6d\uacbd \uac04 \uacb0\uc81c \uc218\uc218\ub8cc(~0.51 TP3T), \ud658\ubd88 \ucc98\ub9ac \uc218\uc218\ub8cc(\uac70\ub798\ub2f9 10~30\ub8e8\ud53c), \uc6d4 \ucd5c\uc18c \uc694\uae08(\uc77c\ubc18\uc801\uc73c\ub85c 500-2000\ub8e8\ud53c)\uc774 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

3. \uae30\uc220 \ud1b5\ud569\uc758 \ubcf5\uc7a1\uc131<\/h3>\n

\uc8fc\uc694 \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 API \ubb38\uc11c \uc644\uc131\ub3c4 \uc810\uc218: Razorpay(9\/10), CCAvenue(7\/10). \ud3c9\uade0 \ud1b5\ud569 \ub9ac\ub4dc \ud0c0\uc784: \uae30\ubcf8 \uae30\ub2a5\uc758 \uacbd\uc6b0 \uc601\uc5c5\uc77c \uae30\uc900 7\uc77c, \uace0\uae09 \uc704\ud5d8 \uad00\ub9ac \ubaa8\ub4c8\uc758 \uacbd\uc6b0 2\uc8fc \ucd94\uac00.<\/p>\n

4. \uaddc\uc815 \uc900\uc218 \uc778\uc99d \uc218\uc900<\/h3>\n

PCI DSS \ub808\ubca8 1 \uc778\uc99d\uc744 \ubcf4\uc720\ud574\uc57c \ud569\ub2c8\ub2e4. RBI\uc5d0\uc11c PA\/PG \ub77c\uc774\uc120\uc2a4\ub97c \ud655\uc778\ud569\ub2c8\ub2e4. GDPR \uc900\uc218\ub294 EU \uc0ac\uc6a9\uc790 \ub370\uc774\ud130 \ucc98\ub9ac \uae30\ub2a5\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce69\ub2c8\ub2e4.<\/p>\n

III. \uc8fc\uc694 \uc194\ub8e8\uc158\uc758 \ube44\uad50 \ubd84\uc11d<\/p>\n\n\n\n\n\n\n\n
\uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/strong><\/th>\n\ucd5c\ucca8\ub2e8<\/strong><\/th>\n\uc81c\ud55c \uc0ac\ud56d<\/strong><\/th>\n\uc801\uc6a9 \uac00\ub2a5\ud55c \uc2dc\ub098\ub9ac\uc624<\/strong><\/th>\n<\/tr>\n<\/thead>\n
\ub808\uc774\uc800\ud398\uc774<\/td>\nAPI \uc751\ub2f5 \uc2dc\uac04 300\ubc00\ub9ac\ucd08 \ubbf8\ub9cc, \uc131\uacf5\ub960 \ucd5c\ub300 98%+.<\/td>\n\ucde8\uc57d\ud55c \uad6d\uacbd \uac04 \ube44\uc988\ub2c8\uc2a4 \uc9c0\uc6d0<\/td>\n< \uc911\uc18c\uaddc\ubaa8 \ud310\ub9e4\uc790\uc758 \uacbd\uc6b0 \uc6d4 500,000\ub8e8\ud53c \ubbf8\ub9cc<\/td>\n<\/tr>\n
CCAvenue<\/td>\n17\uac1c \ud1b5\ud654 \uc9c0\uc6d0, \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c \uc644\uc131<\/td>\n\uc624\ub798\ub41c \uc778\ud130\ud398\uc774\uc2a4 \ub514\uc790\uc778<\/td>\n\uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \ubc0f \uace0\uc561 \uac70\ub798<\/td>\n<\/tr>\n
PayU<\/td>\n\uac15\ub825\ud55c COD \uad00\ub9ac \ub3c4\uad6c\ub85c \ubc18\ud488\ub960 12% \uac10\uc18c<\/td>\n\ub192\uc740 COD \ube44\uc728 \ud50c\ub7ab\ud3fc<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\uc8fc\ubaa9\ud574\uc57c \ud560 \uc0c8\ub85c\uc6b4 \uc635\uc158:<\/p>\n

    \n
  • \ubaa8\ubc14\uc77c \ucd5c\uc801\ud654\ub97c \uc804\ubb38\uc73c\ub85c \ud558\ub294 JusPay\ub294 \uc778\uc571 \uacb0\uc81c \uc131\uacf5\ub960\uc744 221%\uae4c\uc9c0 \ub192\uc600\uc2b5\ub2c8\ub2e4.<\/li>\n
  • O2O \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc801\ud569\ud55c \ud30c\uc778\ub7a9\uc2a4 \uc624\ud504\ub77c\uc778 POS \uc5f0\ub3d9 \uc194\ub8e8\uc158<\/li>\n<\/ul>\n

    IV. \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n

    \uacc4\uce35\ud654\ub41c \uac80\uc99d \uba54\ucee4\ub2c8\uc998\uc744 \uad6c\ucd95\ud569\ub2c8\ub2e4:<\/p>\n

      \n
    1. < OTP \uc778\uc99d\uc73c\ub85c\ub9cc 2000 \ub8e8\ud53c \ubbf8\ub9cc\uc758 \uac70\ub798<\/li>\n
    2. \n
      \n

      3DS \uc778\uc99d\uc744 \ucd94\uac00\ud558\ub824\uba74 5000 \ub8e8\ud53c \ud544\uc218
      \n\uc2e4\uc2dc\uac04 \ubaa8\ub2c8\ud130\ub9c1\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<\/blockquote>\n<\/li>\n<\/ol>\n

      IV. \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5\uc5d0 \ub300\ud55c \uad8c\uc7a5 \uc0ac\ud56d(\uacc4\uc18d)<\/h2>\n

      1. \uac70\ub798 \uc704\ud5d8\uc758 \uacc4\uce35\uc801 \uad00\ub9ac<\/h3>\n
        \n
      • \uc18c\uc561 \uacb0\uc81c<\/strong>(< 2000 \ub8e8\ud53c): \uacb0\uc81c\ub97c \uc644\ub8cc\ud558\ub294 \ub370 OTP SMS \uc778\uc99d\ub9cc \ud544\uc694\ud55c \uac04\uc18c\ud654\ub41c \uc778\uc99d \ud504\ub85c\uc138\uc2a4\ub97c \ucc44\ud0dd\ud558\uc5ec \uc0ac\uc6a9\uc790 \uacbd\ud5d8\uc744 \ud5a5\uc0c1\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/li>\n
      • \uc911\uac04 \uaddc\ubaa8 \uac70\ub798<\/strong>(2,000-5,000 \ub8e8\ud53c): \uc7a5\ube44 \uc9c0\ubb38 \ubc0f \ud589\ub3d9 \ubd84\uc11d \ud0d0\uc9c0 \uae30\ub2a5 \ud5a5\uc0c1<\/li>\n
      • \ub300\uaddc\ubaa8 \uac70\ub798<\/strong>(> 5000 \ub8e8\ud53c): \ud544\uc218 3DS 2.0 \uc778\uc99d \uc0ac\uc6a9, \uc815\uc801 \ube44\ubc00\ubc88\ud638 + \ub3d9\uc801 \ucea1\ucc28 \ud544\uc218<\/li>\n<\/ul>\n

        2. \uc2e4\uc2dc\uac04 \ubaa8\ub2c8\ud130\ub9c1 \uc2dc\uc2a4\ud15c \uad6c\uc131<\/h3>\n

        \ub2e4\uc74c\uacfc \uac19\uc740 \ubaa8\ub2c8\ud130\ub9c1 \uba54\ucee4\ub2c8\uc998\uc744 \ubc30\ud3ec\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n

        1. IP \uc9c0\ub9ac\uc801 \uc704\uce58 \ubd84\uc11d: \ub2e4\uad6d\uc801 \ube44\uc815\uc0c1 \ub85c\uadf8\uc778 \uc790\ub3d9 \ucc28\ub2e8
        \r\n2. \ud589\ub3d9 \uc0dd\uccb4 \uc778\uc2dd: \ud0c0\uc774\ud551 \ub9ac\ub4ec, \uc2ac\ub77c\uc774\ub529 \ud328\ud134 \ub4f1\uacfc \uac19\uc740 \ud2b9\uc9d5 \uac10\uc9c0
        \r\n3. \uc18d\ub3c4 \ud655\uc778: \ub3d9\uc77c\ud55c \uacc4\uc815\uc5d0\uc11c 15\ubd84 \uc774\ub0b4\uc5d0 3\uac74 \uc774\uc0c1\uc758 \uac70\ub798\uac00 \ubc1c\uc0dd\ud558\uba74 \uc790\ub3d9\uc73c\ub85c \uc218\ub3d9 \uac80\ud1a0\uac00 \uc2dc\uc791\ub429\ub2c8\ub2e4.
        \r\n4. MCC \ucf54\ub4dc \ud655\uc778: \ud310\ub9e4\uc790 \uce74\ud14c\uace0\ub9ac \ucf54\ub4dc\uac00 \uc2e4\uc81c \ube44\uc988\ub2c8\uc2a4\uc640 \uc77c\uce58\ud558\ub294\uc9c0 \ud655\uc778\ud569\ub2c8\ub2e4.
        \r\n
        \r\n<\/code><\/pre>\n
        V. \ud604\uc9c0\ud654\ub41c \uc6b4\uc601\uc758 \uc8fc\uc694 \uc138\ubd80 \uc0ac\ud56d<\/p>\n
        1. \uc815\uc0b0 \uc8fc\uae30 \ucd5c\uc801\ud654 \ud504\ub85c\uadf8\ub7a8
        \n\uc778\ub514\uc5b8 \uc6d0\uc8fc\ubbfc \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uc77c\ubc18\uc801\uc778 \uacb0\uc81c \uc8fc\uae30 \ube44\uad50:<\/p>\n\n\n\n\n\n\n\n
        \ucc44\ub110 \uc720\ud615<\/strong><\/th>\n\ud45c\uc900 \uc815\uc0b0 \uae30\uac04<\/strong><\/th>\n\uc2e0\uc18d\ud55c \uc11c\ube44\uc2a4 \uc635\uc158<\/strong><\/th>\n<\/tr>\n<\/thead>\n
        UPI<\/td>\nT+1 \uadfc\ubb34\uc77c<\/td>\n–<\/td>\n<\/tr>\n
        \uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/td>\n\uc601\uc5c5\uc77c \uae30\uc900 T+2\uc77c<\/td>\n+300bps\ub97c T+0\uc73c\ub85c \uc904\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n
        \uc2e0\uc6a9 \uce74\ub4dc<\/td>\n\uc601\uc5c5\uc77c \uae30\uc900 T+3\uc77c<\/td>\n+150bps\uac00 T+1\ub85c \uac10\uc18c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        \ucc38\uace0: \ud734\uc77c\uc5d0\ub294 \ubaa8\ub4e0 \ucc44\ub110\uc774 \uc601\uc5c5\uc77c \uae30\uc900 \ucd5c\uc18c 1\uc77c \uc9c0\uc5f0\ub429\ub2c8\ub2e4.<\/em><\/p>\n
        2. \ubc18\ud488 \ubc0f \ud658\ubd88\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \ucc98\ub9ac
        \n\uc778\ub3c4 \uc18c\ube44\uc790 \ubcf4\ud638\ubc95\uc5d0\ub294 \ub2e4\uc74c\uacfc \uac19\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n
          \n
        • COD \uc8fc\ubb38 \ubc18\ud488\uc740 \uc601\uc5c5\uc77c \uae30\uc900 7\uc77c \uc774\ub0b4\uc5d0 \uc6d0\ub798 \ud604\uae08\uc73c\ub85c \ubc18\ud488\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
        • \ub514\uc9c0\ud138 \uacb0\uc81c \ud658\ubd88\uc758 \ucd5c\ub300 \ucc98\ub9ac \uc2dc\uac04 48\uc2dc\uac04<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
          \uc804\uc790 \uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc744 \uc120\ud0dd\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc785\ub2c8\uae4c? \uba3c\uc800, \uc778\ub3c4 \uacb0\uc81c \uc2dc\uc7a5\uc758 \ud2b9\uc131\uc744 \uc774\ud574\ud558\uc2ed\uc2dc\uc624 \uc778\ub3c4 ...<\/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-2939","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\n\u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f - 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