{"id":2997,"date":"2025-05-24T10:48:15","date_gmt":"2025-05-24T02:48:15","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2997"},"modified":"2025-05-24T10:48:15","modified_gmt":"2025-05-24T02:48:15","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/24\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e5%af%b9%e7%8b%ac%e7%ab%8b%e7%ab%99%e8%bd%ac%e5%8c%96%e7%8e%87%e7%9a%84%e5%bd%b1%e5%93%8d\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c\uac00 \ub3c5\ub9bd \uc0ac\uc774\ud2b8 \uc804\ud658\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5"},"content":{"rendered":"<p>\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ud070 \ub514\uc9c0\ud138 \uacbd\uc81c \uad6d\uac00 \uc911 \ud558\ub098\uc778 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub3c5\ud2b9\ud55c \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \ub3c5\ub9bd \uc0ac\uc774\ud2b8 \uc804\ud658\uc728\uc5d0 \ubbf8\uce58\ub294 \uc601\ud5a5\uc5d0 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc8fc\uc694 \uce21\uba74\uc5d0\uc11c \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \ud2b9\uc131\uacfc \ucd5c\uc801\ud654 \uc804\ub7b5\uc744 \ubd84\uc11d\ud55c \ub0b4\uc6a9\uc785\ub2c8\ub2e4:<\/p>\n<p>I. \ud575\uc2ec \uc601\ud5a5 \uc694\uc778<\/p>\n<ol>\n<li>\ud604\uc9c0\ud654\ub41c \uacb0\uc81c \ubc94\uc704\uac00 \ucda9\ubd84\ud558\uc9c0 \uc54a\uc74c<\/li>\n<\/ol>\n<ul>\n<li>\uad6d\uc81c \uce74\ub4dc(\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc)\ub9cc \uc9c0\uc6d0\ud558\uba74 78%\uc758 \uc7a0\uc7ac \uace0\uac1d\uc744 \uc783\uac8c \ub429\ub2c8\ub2e4.<\/li>\n<li>OVO\/DANA\uc640 \uac19\uc740 \uc804\uc790\uc9c0\uac11\uc740 \uc774\ucee4\uba38\uc2a4 \uac70\ub798\uc758 43%\ub97c \ucc28\uc9c0\ud569\ub2c8\ub2e4(2023\ub144 \ub370\uc774\ud130).<\/li>\n<li>\uc740\ud589 \uc1a1\uae08\uc740 311\uc8703\ucc9c\uc5b5 \uc6d0\uc73c\ub85c, \uc774 \uc911 BCA \uc740\ud589\uc774 621\uc8703\ucc9c\uc5b5 \uc6d0\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc5ec\uc804\ud788 \ub192\uc740 \uacb0\uc81c \uc2e4\ud328\uc728<\/li>\n<\/ol>\n<ul>\n<li>\ud3c9\uade0 3D \ubcf4\uc548 \uc778\uc99d \uc2e4\ud328\uc728 28%<\/li>\n<li>GoPay\uc640 \uac19\uc740 \uc804\uc790\uc9c0\uac11\uc5d0 \ub300\ud55c \ubd88\uc548\uc815\ud55c API \uc5f0\uacb0\ub85c \uc778\ud574 15%\uc758 \uac70\ub798 \uc911\ub2e8\uc774 \ubc1c\uc0dd\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\uc804\ud658\uc728\uc774 \ub192\uc740 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8 \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/p>\n<ol>\n<li>\n<p>\ucc44\ub110\uc744 \uc120\ud0dd\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>LinkAja(SOE \ubc30\uacbd, 1,700\ub9cc \uc0ac\uc6a9\uc790 \ub300\uc0c1)<\/li>\n<li>BCA KlikPay(\uc740\ud589 \uc120\ud638)<\/li>\n<li>\uc778\ub3c4\ub9c8\ub81b \uc624\ud504\ub77c\uc778 \uc218\uae08(\uc740\ud589 \uacc4\uc88c\uac00 \uc5c6\ub294 \ubd84\ub4e4\uc744 \uc704\ud55c)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>\ud601\uc2e0\uc801\uc778 \uc811\uadfc \ubc29\uc2dd:<\/p>\n<ul>\n<li>PayLater \ud560\ubd80\ub85c \uace0\uac1d \ub2e8\uac00\ub97c \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4 37%<\/li>\n<li>QRIS \ud1b5\ud569 QR\ucf54\ub4dc \uc2dc\uc2a4\ud15c\uc73c\ub85c \uace0\uac1d \uc774\ud0c8\ub960 \uac10\uc18c<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>III. \uae30\uc220 \ucd5c\uc801\ud654 \ud3ec\uc778\ud2b8<\/p>\n<ol>\n<li>\uc751\ub2f5\uc131:<\/li>\n<\/ol>\n<ul>\n<li>\ub85c\uceec \uc11c\ubc84 \ubc30\ud3ec\ub85c \uacb0\uc81c \ud398\uc774\uc9c0 \ub85c\ub4dc \uc2dc\uac04 5.2\ucd08\uc5d0\uc11c 1.8\ucd08\ub85c \ub2e8\ucd95<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\uc7a5\uc560 \uc870\uce58 \uba54\ucee4\ub2c8\uc998:<\/li>\n<\/ol>\n<ul>\n<li>Doku\uc640 \uac19\uc740 \uc560\uadf8\ub9ac\uac8c\uc774\uc158 \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uc790\ub3d9 \uc804\ud658 \uc131\uacf5\ub960\uc740 99.6%\uc5d0 \ub2ec\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>IV. \uaddc\uc815 \uc900\uc218 \uc9c0\ub8b0\ubc2d \uacbd\uace0<\/p>\n<ol>\n<li>BPJPH \ud560\ub784 \uc778\uc99d \uc694\uac74:<\/li>\n<\/ol>\n<h3><strong>IV. \uaddc\uc815 \uc900\uc218 \uc9c0\ub8b0\ubc2d \uacbd\uace0(\uacc4\uc18d)<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>BPJPH \ud560\ub784 \uc778\uc99d \uc694\uac74<\/strong><\/p>\n<ul>\n<li>\uc778\ub3c4\ub124\uc2dc\uc544\ub294 \uc138\uacc4\uc5d0\uc11c \uac00\uc7a5 \ud070 \ubb34\uc2ac\ub9bc \uc2dc\uc7a5\uc73c\ub85c \uc2dd\ud488, \ubbf8\uc6a9, \uac74\uac15 \uc81c\ud488 \ub4f1\uc758 \uce74\ud14c\uace0\ub9ac\ub294 \uc778\ub3c4\ub124\uc2dc\uc544 \ud560\ub784 \uc81c\ud488 \uc778\uc99d\uad6d(BPJPH)\uc758 \uc778\uc99d\uc744 \ubc1b\uc544\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<li>\uc778\uc99d\ub418\uc9c0 \uc54a\uc740 \uc0c1\ud488\uc740 \uacb0\uc81c \ucc28\ub2e8 \ubc0f \uc138\uad00 \uad6c\uae08\uae4c\uc9c0 \uc774\uc5b4\uc9c8 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PSE(\uc804\uc790 \uc2dc\uc2a4\ud15c \uc6b4\uc601\uc790) \ub4f1\ub85d<\/strong><\/p>\n<ul>\n<li>2023\ub144\ubd80\ud130 \uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790 \ub370\uc774\ud130\uc640 \uad00\ub828\ub41c \ubaa8\ub4e0 \ub3c5\ub9bd\ud615 \uc2a4\ud14c\uc774\uc158\uc740 \ud1b5\uc2e0\ubd80\uc5d0 \uc2e0\uace0\ud574\uc57c \ud558\uba70, \uadf8\ub807\uc9c0 \uc54a\uc73c\uba74 \uacb0\uc81c \ucc44\ub110\uc774 \ud3d0\uc1c4\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ubd80\uac00\uac00\uce58\uc138(VAT) \ubc0f \uad6d\uacbd \uac04 \uc138\uae08 \uaddc\uc815 \uc900\uc218<\/strong><\/p>\n<ul>\n<li>75\ub2ec\ub7ec \uc774\uc0c1\uc758 \ub2e8\uc77c \uac70\ub798\uc5d0\ub294 11%\uc758 \ubd80\uac00\uac00\uce58\uc138\uac00 \ubd80\uacfc\ub429\ub2c8\ub2e4(2024\ub144\uc5d0\ub294 12%\ub85c \uc778\uc0c1 \uc608\uc815). \uc77c\ubd80 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uc138\uae08\uc744 \uc6d0\ucc9c\uc9d5\uc218\ud558\uc9c0\ub9cc, \uc62c\ubc14\ub974\uac8c \uc6d0\ucc9c\uc9d5\uc218\ud558\uc9c0 \uc54a\uc73c\uba74 \ud1b5\uad00\uc774 \uc9c0\uc5f0\ub418\uac70\ub098 \ubc8c\uae08\uc774 \ubd80\uacfc\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>V. \uc18c\ube44\uc790 \uc2e0\ub8b0 \uac15\ud654 \uc804\ub7b5<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\ud604\uc9c0\ud654\ub41c \uc2e0\ub8b0 \uae30\ud638 \ud45c\uc2dc<\/strong>::<\/p>\n<ul>\n<li>\uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 DOKU\/OVO\uc640 \uac19\uc740 \uc9c0\uc5ed \uacb0\uc81c \ub85c\uace0\ub97c \ucd94\uac00\ud558\uba74 19% \uc804\ud658\uc744 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li>'\ubc14\uc57c\ub974 \ub514 \uc778\ub3c4\ub9c8\ub81b'(\ud3b8\uc758\uc810 \uacb0\uc81c) \uc635\uc158\uc740 \uc2e0\uaddc \uc0ac\uc6a9\uc790\uc758 \uc774\ud0c8\ub960\uc744 33% \uac10\uc18c\uc2dc\ud0b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ud560\ubd80 \ucd5c\uc801\ud654<\/strong>::<\/p>\n<ul>\n<li>\uc544\ucfe8\ub77c\ucfe0, \ud06c\ub808\ub514\ubcf4\uc640 \uac19\uc740 \uad6c\ub9e4 \ud6c4 \uacb0\uc81c \uc11c\ube44\uc2a4\ub294 \uc80a\uc740 \uce35\uc758 \ubcf4\uae09\ub960\uc774 411%\uc5d0 \ub2ec\ud558\uba70, 0% \ubb34\uc774\uc790 \ud560\ubd80\ub97c \uc81c\uacf5\ud558\uba74 \ud310\ub9e4 \ub2e8\uac00\ub97c 251%\uae4c\uc9c0 \ub192\uc77c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>COD(\ud604\uae08 \uacb0\uc81c) \ubbf8\uc138 \uc870\uc815 \uad00\ub9ac<\/strong>::<\/p>\n<ul>\n<li>COD \uc8fc\ubb38 \uc810\uc720\uc728\uc740 \uc5ec\uc804\ud788 351 TP3T\ub85c \ub192\uc9c0\ub9cc \uac70\ubd80\uc728\uc740 201 TP3T\ub97c \ucd08\uacfc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc194\ub8e8\uc158:<br \/>\n\uae08\uc561\uc758 \uc77c\ubd80\ub97c \ub3d9\uacb0\ud560 \uc218 \uc788\ub294 \uc0ac\uc804 \uc2b9\uc778(\uc608: GoPay\uc758 PayLater COD \uae30\ub2a5).<br \/>\n\uc8fc\ubb38 \uc2dc \ubc88\ud638 \uc9c4\uc704 \uc5ec\ubd80\uc5d0 \ub300\ud55c OTP \uc778\uc99d\uc774 \uc758\ubb34\ud654\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>VI. \ub370\uc774\ud130 \uae30\ubc18 A\/B \ud14c\uc2a4\ud2b8 \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/h3>\n<ol>\n<li><strong>\uacb0\uc81c \uc815\ub82c \uc2e4\ud5d8<\/strong>:<br \/>\n\ub2e4\uc591\ud55c \ucc44\ub110 \uc815\ub82c \uc21c\uc11c\uc5d0 \ub530\ub978 \ud6a8\uacfc \uc0d8\ud50c\uc744 \ud14c\uc2a4\ud2b8\ud574 \ubcf4\uc138\uc694:<\/li>\n<\/ol>\n<pre><code>\uc635\uc158 A: OVO \u2192 DANA \u2192 BCA \uc1a1\uae08 \u2192 \uc2e0\uc6a9\uce74\ub4dc(\ucd5c\uc801\uc758 \ud604\uc9c0 \uc1a1\uae08) <br>\r\n\uc635\uc158 B: \uc2e0\uc6a9\uce74\ub4dc \u2192 \ud398\uc774\ud314 \u2192 \uc740\ud589 \uc1a1\uae08(\ud574\uc678 \uc0ac\uc774\ud2b8\uc5d0\uc11c\ub294 \uc77c\ubc18\uc801\uc774\uc9c0\ub9cc \uc778\ub3c4\ub124\uc2dc\uc544\uc5d0\uc11c\ub294 \uc0ac\uc6a9 \ubd88\uac00)<br>\r\n<\/code><\/pre>\n<ul>\n<li><em>\ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ud504\ub85c\uadf8\ub7a8 A\ub294 \ud504\ub85c\uadf8\ub7a8 B\ubcf4\ub2e4 \ud3c9\uade0 271 TP3T \uc644\ub8cc\uc728\uc774 \ub354 \ub192\uc2b5\ub2c8\ub2e4.<\/em>.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\"\uace0\uc2a4\ud2b8 \ubc84\ud2bc \ud2b8\ub7a9 \ud0d0\uc9c0.<br \/>\n\ud2b9\uc815 \uc9c0\uc5ed\uc758 \uc0ac\uc6a9\uc790\uac00 \uc2e4\uc218\ub85c '\ub098\uc911\uc5d0 \uacb0\uc81c'\ub97c \ud074\ub9ad\ud588\ub2e4\uac00 \ub193\uce58\ub294 \uacbd\uc6b0 \ud788\ud2b8\ub9f5 \ubd84\uc11d\uc744 \ud1b5\ud574 \ubc84\ud2bc \uc704\uce58\ub97c \ucd5c\uc801\ud654\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ol>\n<hr>\n<h3><strong>VII. \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc640 \ubbf8\ub798 \ub808\uc774\uc544\uc6c3<\/strong><\/h3>\n<p>1.\u00a0\u00a0<strong>[\uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c] \uc0dd\uccb4\uc778\uc2dd \uacb0\uc81c\uc758 \ubd80\uc0c1<\/strong><br \/>\n\u00a0\u00a0- \uace0\uc81d\uc740 \uc9c0\ubb38\/\uc5bc\uad74 \uc778\uc2dd \uacb0\uc81c\ub97c \uc2dc\ubc94\uc801\uc73c\ub85c \ub3c4\uc785\ud588\uc73c\uba70 2025\ub144\uae4c\uc9c0 30%\uc758 \ub514\uc9c0\ud138 \uac70\ub798\ub97c \uc9c0\uc6d0\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>2.\u00a0<strong>[\uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \uc5f0\ub3d9] \ud2f1\ud1a1 \uc0f5 + \uc804\uc790\uc9c0\uac11 \uc5f0\ub3d9<\/strong><br \/>\n\u00a0\u00a0\u00a0- \ud2f1\ud1a1\uc758 \uc778\ub77c\uc778 DANA \uacb0\uc81c\ub294 \uc544\uc6c3\ubc14\uc6b4\ub4dc \ud649\ubcf4\ub2e4 \uc8fc\ubb38 \uc804\ud658\uc728\uc774 401\ubc30\ub098 \ub192\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<h3><strong><strong>\uc8fc\uc694 \uc791\uc5c5 \ubaa9\ub85d<\/strong><\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\uc6b0\uc120\uc21c\uc704<\/th>\n<th>\uc774\ub2c8\uc154\ud2f0\ube0c<\/th>\n<th>\uc608\uc0c1 \uc0c1\uc2b9\ub960<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\uae34\uae09<\/td>\n<td>2\uac1c \uc774\uc0c1\uc758 \uc804\uc790\uc9c0\uac11\uc5d0 \uc561\uc138\uc2a4(OVO+DANA)<\/td>\n<td>+22% \ubcc0\ud658<\/td>\n<\/tr>\n<tr>\n<td>\u23f1\ufe0f \ub2e8\uae30<\/td>\n<td>\ub85c\uceec CDN \uac00\uc18d \uacb0\uc81c \ud398\uc774\uc9c0 \ubc30\ud3ec\ud558\uae30<\/td>\n<td>\ud45c\uc900 \ub85c\ub529 \uc2dc\uac04 &lt;2\ucd08<\/td>\n<\/tr>\n<tr>\n<td>\uc911\uae30<\/td>\n<td>\uc628\ub77c\uc778 \uc544\ucfe8\ub77c\ucfe0 \ud560\ubd80 \uc635\uc158<\/td>\n<td>\uace0\uac1d \ub2e8\uac00 +15~25%<\/td>\n<\/tr>\n<tr>\n<td>\ud83d\udee1\ufe0f PSE \uc2e0\uace0\ub97c \uc7a5\uae30\uc801\uc73c\ub85c \uc644\ub8cc\ud558\uba74 \ubc95\uc801 \uc704\ud5d8\uc744 \ubc29\uc9c0\ud558\uc5ec \uc9c0\uc18d \uac00\ub2a5\ud55c \uc6b4\uc601\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud2b9\uc815 \ubd80\ubb38\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \uc194\ub8e8\uc158\uc774 \ud544\uc694\ud558\uc2e0\uac00\uc694? \uc608\ub97c \ub4e4\uc5b4, \ub3c4\ucfe0 \uac8c\uc774\ud2b8\uc6e8\uc774\ub85c 3DS \uc2e4\ud328\uc728\uc744 \uc904\uc774\ub294 \ubc29\ubc95\uc774 \uad81\uae08\ud558\uc2e0\uac00\uc694? \uc544\ub2c8\uba74 \uc778\ub3c4\ub9c8\ub81b 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