{"id":3019,"date":"2025-05-24T11:08:30","date_gmt":"2025-05-24T03:08:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3019"},"modified":"2025-05-24T11:08:30","modified_gmt":"2025-05-24T03:08:30","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/","title":{"rendered":"\ud544\ub9ac\ud540 \ud604\uc9c0 \uacb0\uc81c\uc640 \ud574\uc678 \uacb0\uc81c\uc758 \uae30\uc220\uc801 \ube44\uad50"},"content":{"rendered":"<p>\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \uc8fc\ub85c \uc778\ud504\ub77c, \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c, \uc0ac\uc6a9\uc790 \uc2b5\uad00 \ubc0f \uae30\uc220 \ud45c\uc900 \uce21\uba74\uc5d0\uc11c \ud604\uc9c0\ud654 \ubc0f \uad6d\uc81c\ud654\ub41c \uae30\uc220\uc801 \ucc28\uc774\ub97c \ub69c\ub837\ud558\uac8c \ubcf4\uc5ec\uc90d\ub2c8\ub2e4. \uc8fc\uc694 \ucc28\uc6d0\uc5d0 \ub300\ud55c \ube44\uad50 \ubd84\uc11d\uc740 \uc544\ub798\uc5d0 \ub098\uc640 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<h3>I. \uae30\ubcf8 \uc778\ud504\ub77c \ucc28\uc774\uc810<\/h3>\n<ol>\n<li><strong>\ud604\uc9c0 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc758 \uaddc\uc81c\ub97c \ubc1b\ub294 PESONet \ubc0f InstaPay \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc5d0 \ub300\ud55c \uc758\uc874\ub3c4<\/li>\n<li>\uac70\ub798 \ucc98\ub9ac\ub294 \ud544\ub9ac\ud540 \uc740\ud589 \uac04 \uacb0\uc81c \uc2dc\uc2a4\ud15c(PIS)\uc744 \uae30\ubc18\uc73c\ub85c \ud558\uba70 PHP \uc2e4\uc2dc\uac04 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc8fc\uc694 \uc561\uc138\uc2a4 \ucc44\ub110: GCash(\ubaa8\ubc14\uc77c \uc9c0\uac11), Dragonpay(\uac8c\uc774\ud2b8\uc6e8\uc774), \uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\uad6d\uc81c \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774<\/strong><\/li>\n<\/ol>\n<ul>\n<li>SWIFT \ub124\ud2b8\uc6cc\ud06c\uac00 \ud574\uc678 \uc1a1\uae08\uc744 \uc9c0\ubc30\ud569\ub2c8\ub2e4(\ud544\ub9ac\ud540 OFW \uc1a1\uae08\uc561\uc758 90%+).<\/li>\n<li>\ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\uc640 \uac19\uc740 \uce74\ub4dc \uc870\uc9c1\uc740 ISO8583 \uba54\uc2dc\uc9d5 \ud45c\uc900\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc2e0\uaddc \ud504\ub85c\uadf8\ub7a8: \ub9ac\ud50c \ube14\ub85d\uccb4\uc778 \uad6d\uacbd \uac04 \uacb0\uc81c \uc2dc\ubc94 \ud504\ub85c\uc81d\ud2b8<\/li>\n<\/ul>\n<h3>\uaddc\uc815 \uc900\uc218\ub97c \uc704\ud55c \uae30\uc220\uc801 \uc694\uad6c \uc0ac\ud56d \ube44\uad50<\/h3>\n<table>\n<thead>\n<tr>\n<th>\ucc28\uc6d0(\uc218\ud559)<\/th>\n<th>\ud604\uc9c0 \uacb0\uc81c \uc694\uad6c \uc0ac\ud56d<\/th>\n<th>\uad6d\uc81c \uacb0\uc81c \uc694\uad6c \uc0ac\ud56d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>KYC \uc778\uc99d<\/td>\n<td>BSP Circular 108 \ub808\ubca8 2 \uac80\uc99d<\/td>\n<td>FATF \uc5ec\ud589 \uaddc\uce59<\/td>\n<\/tr>\n<tr>\n<td>AML \uc2a4\ud06c\ub9ac\ub2dd<\/td>\n<td>PH \ub124\uc774\ud2f0\ube0c \ube14\ub799\ub9ac\uc2a4\ud2b8 \ub370\uc774\ud130\ubca0\uc774\uc2a4<\/td>\n<td>WorldCheck\uc640 \uac19\uc740 \uae00\ub85c\ubc8c \ub370\uc774\ud130\ubca0\uc774\uc2a4<\/td>\n<\/tr>\n<tr>\n<td>\ub370\uc774\ud130 \uc2a4\ud1a0\ub9ac\uc9c0<\/td>\n<td>BSP\ub294 \uad6d\ub0b4 \ub370\uc774\ud130 \uc8fc\uad8c\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4.<\/td>\n<td>PCI DSS \ub808\ubca8 1 \uc778\uc99d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>III. \uae30\uc220 \uc2a4\ud0dd\uc758 \ucc28\uc774\uc810<\/h3>\n<p><strong>\ub85c\uceec \uae30\ub2a5 \ud504\ub85c\uadf8\ub7a8:<\/strong><\/p>\n<ul>\n<li>GCash\ub294 \ub3c5\uc810\uc801\uc778 USSD \ud504\ub85c\ud1a0\ucf5c\uc744 \uc0ac\uc6a9\ud558\ub294 \ud53c\ucc98\ud3f0\uacfc \ud638\ud658\ub429\ub2c8\ub2e4.<\/li>\n<li>\ub4dc\ub798\uace4\ud398\uc774\ub294 OTC \ud604\uae08 \uacb0\uc81c(\ud3b8\uc758\uc810\/\uc804\ub2f9\ud3ec)\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>IV. \uacb0\uc81c \ucc98\ub9ac \ud750\ub984 \ube44\uad50<\/strong><\/h3>\n<h4><strong>1. \ud604\uc9c0 \uacb0\uc81c \ucc98\ub9ac \ud750\ub984(\uc608\uc2dc: GCash \uc0ac\uc6a9)<\/strong><\/h4>\n<ul>\n<li><strong>\uc0ac\uc6a9\uc790\uac00 \uc2dc\uc791\ud55c \uac70\ub798<\/strong>\ubaa8\ubc14\uc77c \uc571\/USSD\ub97c \ud1b5\ud574 \uc218\ucde8\uc778 \ubc0f \uae08\uc561 \uc785\ub825<\/li>\n<li><strong>\uc704\ud5d8 \uad00\ub9ac \uac80\uc99d<\/strong>BSP\uc5d0\uc11c \uc694\uad6c\ud558\ub294 SIM \ubc14\uc778\ub529 + \uc0dd\uccb4 \uc778\uc2dd\uc744 \ud1b5\ud55c \uc774\uc911 \uc778\uc99d<\/li>\n<li><strong>\uccad\uc0b0 \uacbd\ub85c<\/strong>PESONet(\uc77c\uad04 \uccad\uc0b0) \ub610\ub294 InstaPay(\uc2e4\uc2dc\uac04 \uacb0\uc81c)\ub97c \ud1b5\ud55c \uc740\ud589\/\uc9c0\uac11 \uc774\uccb4<\/li>\n<li><strong>\uc815\uc0b0 \uc8fc\uae30<\/strong>: T+0(InstaPay) \ub610\ub294 T+1(PESONet), \ud658\uc728 \ud658\uc0b0 \uc5c6\uc774 PHP \uac00\uaca9 \ud45c\uc2dc<\/li>\n<\/ul>\n<h4><strong>2. \uad6d\uc81c \uacb0\uc81c \ucc98\ub9ac \ud750\ub984(Visa \ud574\uc678 \uac70\ub798\ub97c \uc608\ub85c \ub4e4\uc5b4)<\/strong><\/h4>\n<ul>\n<li><strong>\uc2b9\uc778 \uc694\uccad<\/strong>\ud544\ub9ac\ud540 \uac00\ub9f9\uc810 POS \uac1c\uc2dc \u2192 \ub9e4\uc785\uc0ac \u2192 Visa \ub124\ud2b8\uc6cc\ud06c \u2192 \ubc1c\uae09\uc0ac \ub9ac\uc2a4\ud06c \uad00\ub9ac \uac10\uc0ac(3D \ubcf4\uc548 \uac80\uc99d \ub4f1)<\/li>\n<li><strong>\ud1b5\ud654 \ubcc0\ud658 \ub808\uc774\uc5b4<\/strong>:: \ub3d9\uc801 \ud658\uc728 \uacc4\uc0b0 + \uc911\uac04 \ud589 \ub77c\uc6b0\ud305 \ucd5c\uc801\ud654 \ubb38\uc81c\uc640 \uad00\ub828\ub41c 1%-3%\uc758 \uc678\ud658 \ube44\uc6a9<\/li>\n<li><strong>\uc790\uae08 \ud480\ub9c1<\/strong>:: \ucd5c\uc885 \uc815\uc0b0\uc744 \uc704\ud55c SWIFT MT103 \uba54\uc2dc\uc9c0, \ubcf4\ud1b5 \uc601\uc5c5\uc77c \uae30\uc900 2~5\uc77c\uc774 \uc18c\uc694\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>V. \uae30\uc220 \uc544\ud0a4\ud14d\ucc98\uc758 \uc8fc\uc694 \ucc28\uc774\uc810 \ubd84\uc11d<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\uae30\uc220\uc801 \uc694\uc18c<\/th>\n<th>\ud544\ub9ac\ud540 \ud604\uc9c0 \uacb0\uc81c \uc194\ub8e8\uc158<\/th>\n<th>\uad6d\uc81c \ud45c\uc900 \ud504\ub85c\uadf8\ub7a8<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>API \ud504\ub85c\ud1a0\ucf5c<\/td>\n<td>REST\/SOAP \uae30\ubc18, \uc77c\ubd80 \ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c\uc5d0\uc11c ISO8583 \ubcc0\ud615\uc744 \uc0ac\uc6a9\ud558\ub294 \uacbd\uc6b0<\/td>\n<td>GraphQL+OAuth2.0 \uc8fc\ub958\ud654<\/td>\n<\/tr>\n<tr>\n<td>\ub370\uc774\ud130 \uc554\ud638\ud654<\/td>\n<td>BSP\uc5d0\uc11c \uc9c0\uc815\ud55c \ucd5c\uc18c AES-128 \ud45c\uc900<\/td>\n<td>PCI DSS\ub294 TLS1.2+\/SHA256\uc744 \uc758\ubb34\ud654\ud569\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>\uc7ac\ud574 \ub300\ube44 \uae30\ub2a5<\/td>\n<td>\ub300\ubd80\ubd84 \ub2e8\uc77c \ub370\uc774\ud130 \uc13c\ud130 \ubc30\ud3ec\ub9cc<\/td>\n<td>\ub2e4\uc911 \uc9c0\uc5ed \uc561\ud2f0\ube0c-\uc561\ud2f0\ube0c \uc544\ud0a4\ud14d\ucc98<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>VI. \uc2e0\ud765 \uae30\uc220\uc758 \ubcf4\uae09\ub960 \ucc28\uc774<br \/>\n1. \ube14\ub85d\uccb4\uc778 \uc560\ud50c\ub9ac\ucf00\uc774\uc158:<br \/>\n- \ub85c\uceec: \uae30\uc5c5 \uac04 B2B \uc2dc\ub098\ub9ac\uc624\ub85c \uc81c\ud55c\ub41c UnionBank\uc758 PHX \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc2dc\ubc94 \uc11c\ube44\uc2a4<br \/>\n- \uad6d\uc81c: \ub9ac\ud50c\uc774 SEA \uc740\ud589\uacfc \uc81c\ud734\ud558\uc5ec \uc77c\ubcf8-\ud55c\uad6d \u2192 \ud544\ub9ac\ud540 \uac04 \uc1a1\uae08\uc744 \uba87 \ucd08 \ub9cc\uc5d0 \uac00\ub2a5\ud558\uac8c \ud569\ub2c8\ub2e4.<\/p>\n<p>2. AI \ub9ac\uc2a4\ud06c \uad00\ub9ac \ucc44\ud0dd\ub960:<br \/>\n-\ub85c\uceec \uc804\uc790\uc9c0\uac11\uc740 \uc5ec\uc804\ud788 \uaddc\uce59 \uae30\ubc18 \uc5d4\uc9c4\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4.<br \/>\n-\uad6d\uc81c\uc801\uc778 \uce74\ub4dc \uc870\uc9c1\uc740 \ub525\ub7ec\ub2dd \ubaa8\ub378\uc744 \ubc30\ud3ec\ud558\uc5ec \uc9c0\uc5ed \uac04 \ud604\uae08 \uc778\ucd9c\uc744 \uac10\uc9c0\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>VII. \uac1c\ubc1c\uc790 \ud1b5\ud569 \ube44\uc6a9 \ube44\uad50<\/p>\n<pre><code class=\"language-python\"># GCash API \uc608\uc2dc(\ud310\ub9e4\uc790 \uc0ac\uc804 \uc778\uc99d \ud544\uc694)<br>\r\nheaders = {\"X-GCash-AppKey\": \"BSP_ISSUED_KEY\"}<br>\r\n\uc751\ub2f5 = post(\"\/pesonet\/transfer\", data={\"\uae08\uc561\":1000, \"\uc218\uc2e0\uc790\":\"0917XXX\"})<br>\r\n<br>\r\n# \uc2a4\ud2b8\ub77c\uc774\ud504 \uad6d\uc81c\ud654 API \uc608\uc81c(\ud45c\uc900\ud654\ub41c SDK)<br>\r\ncharge = stripe.Charge.create(<br>\r\n    \uae08\uc561=2000, \ud1b5\ud654=\"USD\",<br>\r\n    source=\"tok_visa\", description=\"\ud06c\ub85c\uc2a4\ubcf4\ub354\"<br>\r\n) <br>\r\n<\/code><\/pre>\n<p><em>\ucc38\uace0: \ub85c\uceec \ud50c\ub7ab\ud3fc\uc740 \uc0ac\uc6a9\uc790 \uc9c0\uc815 \uc778\ud130\ud398\uc774\uc2a4\uac00 \ud544\uc694\ud55c \uacbd\uc6b0\uac00 \ub9ce\uc9c0\ub9cc Stripe\/PayPal \ub4f1\uc740 \uae00\ub85c\ubc8c\ud654\ub41c SDK\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/em><\/p>\n<hr>\n<p>\uc9c4\ud654 \ucd94\uc138 \uc608\uce21:<br \/>\n1.<strong>\uaddc\uc81c \uc735\ud569<\/strong>BSP\ub294 2025\ub144\uae4c\uc9c0 AML \ud45c\uc900\uc744 FATF\uc5d0 \ub9de\ucd9c \uacc4\ud68d\uc774\uba70, \uc774\ub85c \uc778\ud574 LTS \uc81c\uacf5\uc5c5\uccb4\uc758 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc774 \uc99d\uac00\ud560 \uac00\ub2a5\uc131\uc774 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n2.<strong>\uae30\uc220 \uc2a4\ud0dd \uc5c5\uadf8\ub808\uc774\ub4dc \uc555\ub825<\/strong>InstaPay\ub294 ISO20022 \uba54\uc2dc\uc9c0 \ub9c8\uc774\uadf8\ub808\uc774\uc158\uc744 \ud14c\uc2a4\ud2b8 \uc911\uc774\uba70 \ud5a5\ud6c4 SWIFT \uad6d\uac00 \uac04 \ud45c\uc900\uacfc \uc0c1\ud638 \uc6b4\uc6a9\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<h3><strong>VIII. \uacb0\uc81c \uc7a5\uba74\uc758 \ucee4\ubc84\ub9ac\uc9c0 \uae4a\uc774 \ube44\uad50<\/strong><\/h3>\n<h4><strong>\ud604\uc9c0 \uacb0\uc81c\uc5d0 \uc720\ub9ac\ud55c \uc2dc\ub098\ub9ac\uc624 1.<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>\uc18c\uc561 \uace0\ube48\ub3c4 \uac70\ub798<\/strong>::<\/p>\n<ul>\n<li>GCash\/\ub9c8\uc57c \uc9c0\uac11\uc740 \ud478\ub4dc \ub9c8\ucf13\uc774\ub098 \uc138\ubc1c\uc790\uc804\uac70\uc640 \uac19\uc740 \ud604\uae08 \uacbd\uc81c \uc2dc\ub098\ub9ac\uc624\uc5d0 \uc801\ud569\ud55c \ube44\ubc00 \uc5c6\ub294 \uacb0\uc81c\ub97c \uc704\ud574 500PHP(~9USD) \ubbf8\ub9cc\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<li>\ub4dc\ub798\uace4\ud398\uc774\uc758 OTC(\uc77c\ubc18\uc758\uc57d\ud488) \ubaa8\ub378\uc744 \ud1b5\ud574 \uc0ac\uc6a9\uc790\ub294 \uc138\ube10\uc77c\ub808\ube10\uacfc \uac19\uc740 \ud3b8\uc758\uc810\uc5d0\uc11c \ud604\uae08\uc73c\ub85c \uc804\uc790\uc9c0\uac11\uc744 \ucda9\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uc815\ubd80 \ubcf5\uc9c0 \ubd84\ubc30<\/strong>::<\/p>\n<ul>\n<li>\ud544\ub9ac\ud540 \uc0ac\ud68c\ubcf4\uc7a5\uc81c\ub3c4(SSS)\ub294 PESONet\uc744 \ud1b5\ud574 \ubcf4\uc870\uae08\uc744 \ub300\ub7c9\uc73c\ub85c \uc9c0\uae09\ud558\uba70, \uc9c0\uc5f0 \ud5c8\uc6a9 \ubc94\uc704\ub294 \ub192\uc9c0\ub9cc \ube44\uc6a9\uc740 \ub9e4\uc6b0 \ub0ae\uc2b5\ub2c8\ub2e4(\uac70\ub798\ub2f9 0.1PHP \ubbf8\ub9cc).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>2. \uad6d\uc81c \uacb0\uc81c\uc758 \ub300\uccb4 \ubd88\uac00\ub2a5\uc131<\/strong><\/h4>\n<ul>\n<li><strong>\uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uacb0\uc81c<\/strong>Lazada\/Shopee \ud544\ub9ac\ud540\uc740 GCash\ub97c \uc9c0\uc6d0\ud558\uc9c0\ub9cc, \ud574\uc678 \ud310\ub9e4\uc790\ub294 Payoneer\/Wise\ub97c \ud1b5\ud574 \ud574\uc678 \uacc4\uc88c\ub85c \ud604\uae08\uc744 \uc778\ucd9c\ud574\uc57c \ud558\ubbc0\ub85c \ud658\uc804 \uc190\uc2e4\uc774 \ubc1c\uc0dd\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\ub178\ub3d9 \uc1a1\uae08 \uc0dd\ud0dc\uacc4<\/strong>OFW(\ud574\uc678 \ud544\ub9ac\ud540 \uadfc\ub85c\uc790)\ub294 \uc6e8\uc2a4\ud134 \uc720\ub2c8\uc628 \u2192 \ud604\uc9c0 \uc740\ud589 \u2192 GCash\uc758 \uacc4\uce35\ud615 \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud558\uba70, \ucd5c\ub300 5%~8%\uc758 SWIFT \uc911\uac1c \uc740\ud589 \uc778\ucd9c\uc744 \uc774\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>IX. \uae30\uc220 \ubd80\ucc44 \ubc0f \ud601\uc2e0 \ubcd1\ubaa9 \ud604\uc0c1 \ubd84\uc11d<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\ub3c4\uc804 \ucc28\uc6d0<\/th>\n<th>\ud604\uc9c0 \uacb0\uc81c \uc2dc\uc2a4\ud15c<\/th>\n<th>\uad6d\uc81c \uacb0\uc81c \uc2dc\uc2a4\ud15c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub808\uac70\uc2dc \uc2dc\uc2a4\ud15c \ubd80\ub2f4<\/td>\n<td>40% \uc5ec\uc804\ud788 COBOL \ucf54\uc5b4 \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud558\ub294 \uc9c0\ubc29 \uc740\ud589<\/td>\n<td>Visa\/MC\ub294 \ud074\ub77c\uc6b0\ub4dc \ub124\uc774\ud2f0\ube0c \uc544\ud0a4\ud14d\ucc98\ub85c \uc644\uc804\ud788 \ub9c8\uc774\uadf8\ub808\uc774\uc158\ud588\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n<tr>\n<td>\uc0c1\ud638 \uc6b4\uc6a9\uc131<\/td>\n<td>\uc804\uc790\uc9c0\uac11 \uac04 \uc774\uccb4 \uc2dc \uc218\ub3d9 \uac1c\uc785\uc774 \ud544\uc694\ud55c \uacbd\uc6b0<\/td>\n<td>SEPA\uc640 \uc720\uc0ac\ud55c \ubc94\uc9c0\uc5ed\uc801 \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c \uc9c4\ud589 \uc911<\/td>\n<\/tr>\n<tr>\n<td>\uaddc\uc81c \uc0cc\ub4dc\ubc15\uc2a4 \ucc38\uc5ec<\/td>\n<td>\ub2e8 3\uac1c \uc870\uc9c1\ub9cc BSP \uc0cc\ub4dc\ubc15\uc2a4\uc5d0 \ucc38\uac00\ud569\ub2c8\ub2e4.<\/td>\n<td>\uc2f1\uac00\ud3ec\ub974\uc758 HKMA \uc0cc\ub4dc\ubc15\uc2a4\ub294 50\uac1c \uc774\uc0c1\uc758 \ud504\ub85c\uc81d\ud2b8\ub97c \uc778\ud050\ubca0\uc774\ud305\ud588\uc2b5\ub2c8\ub2e4.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>X. \ud5a5\ud6c4 5\ub144\uac04\uc758 \uc8fc\uc694 \uae30\uc220 \ucda9\ub3cc \uc9c0\uc810<br \/>\n1.<strong>\uc2e4\uc2dc\uac04 \ud06c\ub85c\uc2a4\ubcf4\ub354 \ub300 \ud604\uc9c0 \uaddc\uc815 \uc900\uc218 \ubcbd<\/strong><\/p>\n<ul>\n<li>InstaPay\ub294 \uc544\uc138\uc548 \ud328\uc2a4\ud2b8 \ud2b8\ub799(\ud0dc\uad6d\uc758 \ud504\ub86c\ud504\ud2b8\ud398\uc774\uc640 \uc720\uc0ac)\uc73c\ub85c \ud655\uc7a5\uc744 \uc2dc\ub3c4\ud588\uc9c0\ub9cc BSP\uc758 \ud658\uc804 \ud1b5\uc81c \uc815\ucc45\uc5d0 \uc758\ud574 \uc81c\ud55c\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>2.<strong>\uc0dd\uccb4 \uc778\uc2dd \ud45c\uc900 \ud1a0\ub860<\/strong><\/p>\n<ul>\n<li>GCash\ub294 \uc790\uccb4 \uac1c\ubc1c\ud55c \uc5bc\uad74 \uc778\uc2dd(\uc624\ud0d0\ub960 1%)\uc744 \uc0ac\uc6a9\ud558\uba70, \ub9c8\uc2a4\ud130\uce74\ub4dc\uc758 '\uc0dd\uccb4\uc778\uc2dd \uccb4\ud06c\uc544\uc6c3'\uc740 FIDO \uc5bc\ub77c\uc774\uc5b8\uc2a4 \ud45c\uc900\uc744 \ub530\ub985\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>3.<strong>CBDC \uc601\ud5a5 \ud14c\uc2a4\ud2b8<\/strong><\/p>\n<ul>\n<li>BSP\ub294 \uc740\ud589 \uac04 \uccad\uc0b0\uc744 \uc704\ud55c \ub3c4\ub9e4 \ub514\uc9c0\ud138 \ud654\ud3d0(CBDC)\ub97c \uc2dc\ubc94 \uc6b4\uc601\ud560 \uacc4\ud68d\uc774\uba70, \uc774\ub294 \uae30\uc874\uc758 PESONet\uc744 \uc7a0\uc7ac\uc801\uc73c\ub85c \uc18c\uc678\uc2dc\ud0ac \uc218 \uc788\uc73c\uba70, \uad6d\uc81c\uce74\ub4dc\uae30\uad6c\ub294 \uc2a4\ud14c\uc774\ube14\ucf54\uc778 \uc0c1\ud638\uc6b4\uc6a9\uc131 \ud504\ub85c\uadf8\ub7a8\uc744 \uc639\ud638\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<p>XI. \uae30\uc5c5\uc6a9 \uc120\ud0dd \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<pre><code class=\"language-mermaid\">\uadf8\ub798\ud504 LR<br>\r\nA [\ube44\uc988\ub2c8\uc2a4 \uc694\uad6c \uc0ac\ud56d] --&gt; B {\uc8fc \uc0ac\uc6a9\uc790\uac00 \ud544\ub9ac\ud540\uc5d0 \uc788\uc2b5\ub2c8\uae4c?}<br>\r\nB --&gt;|\uc608| C [\uc6b0\uc120 \ub3c4\ud0b9 GCash+PESONet]<br>\r\nB --&gt; |\uc544\ub2c8\uc694| D [\uc2a4\ud2b8\ub77c\uc774\ud504+SWIFT \ucd5c\uc801\ud654 \ub77c\uc6b0\ud305 \ud1b5\ud569]<br>\r\nC --&gt; E [\uc77c\uc77c \uac70\ub798 \ud55c\ub3c4 100,000 PHP\uc5d0 \uc720\uc758]<br>\r\nD --&gt; F [\uc9c0\uc5f0 \uc2dc\uac04\uc744 \uc904\uc774\uae30 \uc704\ud574 \ub9ac\ud50c \uace0\ub824]<br>\r\n<\/code><\/pre>\n<p>\uc8fc\uc694 \uacb0\uc815 \uc694\uc778:<\/p>\n<ul>\n<li><strong>\ub3c4\ucc29 \uc18d\ub3c4 \uac10\ub3c4<\/strong>: InstaPay(\ucd08) vs SWIFT(2\uc77c \uc774\uc0c1)<\/li>\n<li><strong><em>\ube44\uc740\ud589<\/em>\uc0ac\uc6a9\uc790 \uacf5\uc720<\/strong>OTC \ucc44\ub110 \ucee4\ubc84\ub9ac\uc9c0\uac00 \uc2f1\ud06c \uc2dc\uc7a5\uc758 \uce68\ud22c\ub97c \uacb0\uc815\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<p>\uc608\ub97c \ub4e4\uc5b4, \ud544\ub9ac\ud540\uc758 Ant Group\uc758 Alipay+ \uc194\ub8e8\uc158\uc740 AlipayHK\ub97c \ud1b5\ud574 GCash\uc758 \ud604\uc9c0 \ud2b8\ub798\ud53d\uacfc \uad6d\uacbd \uac04 QR\ucf54\ub4dc \uc0c1\ud638\uc6b4\uc6a9\uc131\uc744 \ubaa8\ub450 \uc774\uc6a9\ud560 \uc218 \uc788\ub294 '\ud558\uc774\ube0c\ub9ac\ub4dc \uc544\ud0a4\ud14d\ucc98'\uac00 \ub2e4\uc74c \ub2e8\uacc4\ub85c \ubc1c\uc804\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub97c \uc704\ud574\uc11c\ub294 \ub2e4\uc74c \uc694\uac74\uc744 \ucda9\uc871\ud558\ub294 \uae30\uc220 \uc2a4\ud0dd\uc774 \ud544\uc694\ud569\ub2c8\ub2e4.<br \/>\n\u2705 BSP\uc758 \ub514\uc9c0\ud138 \ubc45\ud0b9 \ubcf4\uc548 \ud504\ub808\uc784\uc6cc\ud06c<br \/>\n\u2705 PCI DSS L3 \uc778\uc99d<br \/>\n\u2705 \uc544\uc138\uc548 QR \ubc94\uc6a9 \ucf54\ub4dc \uc0ac\uc591<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud544\ub9ac\ud540\uc758 \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc740 \ud604\uc9c0\ud654\uc640 \uad6d\uc81c\ud654 \uc0ac\uc774\uc5d0 \uba85\ud655\ud55c \uae30\uc220\uc801 \ucc28\uc774\ub97c \ubcf4\uc774\uba70, \uc8fc\uccb4\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":[32],"tags":[],"class_list":["post-3019","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>\u83f2\u5f8b\u5bbe\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u7684\u6280\u672f\u5bf9\u6bd4 - 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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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=\"2025-05-24T03:08:30+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=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" 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