{"id":3126,"date":"2025-06-02T13:21:04","date_gmt":"2025-06-02T05:21:04","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3126"},"modified":"2025-06-02T13:21:04","modified_gmt":"2025-06-02T05:21:04","slug":"%e6%b8%b8%e6%88%8f%e5%85%85%e5%80%bc%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%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\/06\/02\/%e6%b8%b8%e6%88%8f%e5%85%85%e5%80%bc%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f\/","title":{"rendered":"\uac8c\uc784 \ub9ac\ucc28\uc9c0\ub294 \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0 \uc5b4\ub5bb\uac8c \uc561\uc138\uc2a4\ud558\ub098\uc694?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts46.mm.bing.net\/th?q=phonepe45\" alt=\"\uac8c\uc784 \ub9ac\ucc28\uc9c0\ub294 \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0 \uc5b4\ub5bb\uac8c \uc561\uc138\uc2a4\ud558\ub098\uc694?\" title=\"\uac8c\uc784 \ub9ac\ucc28\uc9c0\ub294 \uc778\ub3c4 \uacb0\uc81c \ucc44\ub110\uc5d0 \uc5b4\ub5bb\uac8c \uc561\uc138\uc2a4\ud558\ub098\uc694?\"><\/p>\n<p>\uc778\ub3c4 \uc2dc\uc7a5\uc5d0\uc11c \uac8c\uc784 \ucda9\uc804 \uacb0\uc81c \ucc44\ub110\uc744 \uc774\uc6a9\ud558\ub824\uba74 \ud604\uc9c0 \uacb0\uc81c \uc2b5\uad00, \uaddc\uc81c \uc694\uac74, \uc0ac\uc6a9\uc790 \uc120\ud638\ub3c4\ub97c \uc885\ud569\uc801\uc73c\ub85c \uace0\ub824\ud574\uc57c \ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ub2e8\uacc4\ubcc4 \uc804\ubb38 \uc194\ub8e8\uc158\uc785\ub2c8\ub2e4:<\/p>\n<ol>\n<li><strong>\uaddc\uc815 \uc900\uc218 \uc900\ube44<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\ub4f1\ub85d\ub41c \uc778\ub3c4 \ubc95\uc778(\uad8c\uc7a5 \uac1c\uc778 \uc720\ud55c\ud68c\uc0ac)<\/li>\n<li>PCI DSS \ub808\ubca8 4 \uc778\uc99d \uc2e0\uccad<\/li>\n<li>RBI\uc758 PA-DSS \uaddc\uc815 \uc900\uc218 \uc644\ub8cc(\uacb0\uc81c \ub370\uc774\ud130 \uc800\uc7a5\uc6a9)<\/li>\n<li>GST \uc138\uae08 \ub4f1\ub85d(\ub514\uc9c0\ud138 \uc0c1\ud488 \uce74\ud14c\uace0\ub9ac\ub97c \ud3ec\ud568\ud574\uc57c \ud568)<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\ud575\uc2ec \uacb0\uc81c \uc218\ub2e8 \ud1b5\ud569<\/strong><br \/>\n<em>\ucc44\ub110\uc5d0 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/em><\/li>\n<\/ol>\n<ul>\n<li>UPI(60%\uc758 \ubaa8\ubc14\uc77c \uac70\ub798): PhonePe\/Google Pay\/BHIM \ud1b5\ud569\uc744 \uc704\ud55c SDK<\/li>\n<li>\ub85c\uceec \uc9c0\uac11: \ud398\uc774\ud2f0\uc5e0\/\ubaa8\ube44\ud035\uc6a9 \uc778\uc571 SDK \uc194\ub8e8\uc158<\/li>\n<li>\uc778\ud130\ub137 \ubc45\ud0b9: ICICI\/Axis\/HDFC\ub97c \ud1b5\ud55c \ub2e4\uc774\ub809\ud2b8 \ubc45\ud0b9 \uac8c\uc774\ud2b8\uc6e8\uc774<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\n<p><strong>\uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc120\ud0dd \ubc0f \uc5f0\ub3d9<\/strong><\/p>\n<ul>\n<li><strong>\uad8c\uc7a5 \uac8c\uc774\ud2b8\uc6e8\uc774 \uc194\ub8e8\uc158<\/strong>::\n<ul>\n<li><strong>\ub808\uc774\uc800\ud398\uc774<\/strong>(UPI\/\uc9c0\uac11\/\uc778\ud130\ub137 \ubc45\ud0b9 \uc9c0\uc6d0, \uc911\uc18c\uaddc\ubaa8\uc5d0 \uc801\ud569)\n<ul>\n<li>\uac8c\uc784 \uc5c5\uacc4 \uc804\uc6a9 API \uc81c\uacf5(\uc18c\ub7c9\uc758 \uace0\ube48\ub3c4 \ud2b8\ub79c\uc7ad\uc158 \uc9c0\uc6d0)<\/li>\n<li>\ucde8\uae09 \uc218\uc218\ub8cc: 1.8%-2.5%(\ucd5c\uc18c 0.8% \ub300\ud615 \uace0\uac1d \uc694\uae08 \ud611\uc0c1 \ub300\uc0c1)<\/li>\n<\/ul>\n<\/li>\n<li><strong>PayU \uc778\ub3c4<\/strong>(\uac00\uc7a5 \uac15\ub825\ud55c \ud604\uc9c0\ud654, \ud560\ubd80 \uc9c0\uc6d0)\n<ul>\n<li>\uae30\ub2a5: \ud1a0\ud070\ud654(\uc0c8\ub85c\uc6b4 RBI \uba54\ubaa8\ub9ac \uce74\ub4dc \ubc88\ud638 \uaddc\uc815 \uc900\uc218)<\/li>\n<li>\uc2e4\ud328\ud55c \ud2b8\ub79c\uc7ad\uc158\uc740 \uc790\ub3d9\uc73c\ub85c \ub300\uccb4 \ucc44\ub110\ub85c \ub77c\uc6b0\ud305\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\ub300\uccb4 \uacb0\uc81c \ud504\ub85c\uadf8\ub7a8<\/strong> (\uacb0\uc81c \uac70\ubd80 \uc704\ud5d8 \ud574\uacb0)<br \/>\n<em>\ud574\uc678 \ud37c\ube14\ub9ac\uc154\uc758 \uacbd\uc6b0<\/em>::<\/p>\n<pre><code class=\"language-python\"># \uc758\uc0ac \ucf54\ub4dc \uc608\uc2dc: \uc778\ud154\ub9ac\uc804\ud2b8 \ub77c\uc6b0\ud305 \ub85c\uc9c1<br>\r\n\uc815\uc758 \ud504\ub85c\uc138\uc2a4_\uacb0\uc81c(\uc0ac\uc6a9\uc790).<br>\r\n    if user.device_risk_score &lt; 0.3:<br>\r\n        route_to_upi() # \uc800\uc704\ud5d8 \uc774\ub3d9 \ub85c\uceec \ucc44\ub110<br>\r\n    else.<br>\r\n        route_to_paypal() # \uad6d\uc81c \ucc44\ub110 + 3DS \uc778\uc99d\uc73c\ub85c \uc704\ud5d8\ub3c4 \ub192\uc74c<br>\r\n        enable_auto_refund(threshold=5000 INR) <br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\uc8fc\uc694 \ucd5c\uc801\ud654 \ud3ec\uc778\ud2b8<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li><strong>\uac00\uaca9 \uc804\ub7b5<\/strong>::<br \/>\n'99 \ub8e8\ud53c \ub9e4\uc9c1\ub118\ubc84' \ub3c4\uc785(\ud658\uc728 \ub9c8\ucc30\uc744 \ud53c\ud558\uae30 \uc704\ud574 \uc2e4\uc81c \u20b999 = $1.19\ub85c \ud45c\uc2dc)<\/li>\n<li><strong>\ucc98\ub9ac \uac70\ubd80<\/strong>::<br \/>\nUPI \uc131\uacf5\ub960 \ud5a5\uc0c1\uc744 \uc704\ud55c Juspay\uc758 SmartRetry \uae30\uc220 \ubc30\ud3ec 27%<\/li>\n<li><strong>\uaddc\uc815 \uc900\uc218 \ud301<\/strong>::<br \/>\n2024\ub144\ubd80\ud130 \uac70\ub798 \ub85c\uadf8 \uc800\uc7a5\uc744 \uc704\ud55c \uc778\ub3c4 \ud604\uc9c0 \uc11c\ubc84 \uc0ac\uc6a9 \uc758\ubb34\ud654<\/li>\n<\/ul>\n<ol start=\"6\"><\/p>\n<li><em>\uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc \uc561\uc138\uc2a4<\/em><\/li>\n<\/ol>\n<ul>\n<li>WhatsApp Pay \uc784\ubca0\ub514\ub4dc \uacb0\uc81c \ubc84\ud2bc<\/li>\n<li>\ubc14\ub77c\ud2b8\ube4c\ud398\uc774 \uc2dc\uc2a4\ud15c \uc5f0\ub3d9(\ube14\ub799 \uace8\ub4dc \uc0ac\uc6a9\uc790\ub294 \ucda9\uc804 \uccad\uad6c\uc11c\ub97c \ud1b5\ud574 \uc138\ud0c1 \uac00\ub2a5)<\/li>\n<\/ul>\n<p>A\/B \ud14c\uc2a4\ud2b8 \uc6b0\uc120\uc21c\uc704 \uc9c0\uc815 \uc81c\uc548: \ub378\ub9ac\uc640 \ubc29\uac08\ub85c\ub974 \uc0ac\uc6a9\uc790\uc758 \uc6d4\ub81b \uc218\ub77d\ub960\uc740 351 TP3T\ub85c \ub0ae\uc558\uc9c0\ub9cc \ud558\uc774\ub370\ub77c\ubc14\ub4dc\uc5d0\uc11c\ub294 \ub180\ub77c\uc6b4 \ub137\ubc45\ud0b9 \uc804\ud658\uc728\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4. \ub2e4\ub978 \uc9c0\uc5ed\uc5d0 \uc801\uc751\ud558\uae30 \uc704\ud574 \ucd5c\uc18c 3\uac1c\uc758 UI \uce74\ud53c \uc138\ud2b8\ub97c \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4 \uc2dc\uc7a5\uc5d0\uc11c \uac8c\uc784 \ucda9\uc804 \uacb0\uc81c \ucc44\ub110\uc5d0 \uc561\uc138\uc2a4\ud558\ub824\uba74 \ud604\uc9c0 \uacb0\uc81c \uc2b5\uad00, \uaddc\uc81c \uc694\uac74\uc744 \uacb0\ud569\ud574\uc57c \ud569\ub2c8\ub2e4...<\/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-3126","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>\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f - 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\/06\/02\/\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5728\u5370\u5ea6\u5e02\u573a\u63a5\u5165\u6e38\u620f\u5145\u503c\u652f\u4ed8\u901a\u9053\uff0c\u9700\u8981\u7ed3\u5408\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/06\/02\/\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\/\" \/>\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=\"2025-06-02T05:21:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts46.mm.bing.net\/th?q=phonepe45\" \/>\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<script type=\"application\/ld+json\" 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