{"id":3136,"date":"2025-06-02T13:21:39","date_gmt":"2025-06-02T05:21:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3136"},"modified":"2025-06-02T13:21:39","modified_gmt":"2025-06-02T05:21:39","slug":"%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs-%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/02\/%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs-%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f\/","title":{"rendered":"\ud0dc\uad6d \ud604\uc9c0 \uacb0\uc81c\uc640 \ud574\uc678 \uacb0\uc81c\uc758 \ucc28\uc774\uc810\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"<p>\ud0dc\uad6d\uc758 \ud604\uc9c0 \uacb0\uc81c\uc640 \ud574\uc678 \uacb0\uc81c\ub294 \uc8fc\ub85c \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624, \uae30\uc220 \uad6c\ud604 \ubc0f \uc0ac\uc6a9\uc790 \uacbd\ud5d8 \uce21\uba74\uc5d0\uc11c \uc5ec\ub7ec \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc0c1\ub2f9\ud55c \ucc28\uc774\uac00 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uc804\ubb38\uac00\uc758 \uad00\uc810\uc5d0\uc11c \uad6c\uc870\ud654\ub41c \ube44\uad50 \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<p>I. \uae30\ubcf8 \uccad\uc0b0 \uc2dc\uc2a4\ud15c\uc758 \ucc28\uc774\uc810<\/p>\n<ol>\n<li>\uc9c0\uc5ed \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c:<\/li>\n<\/ol>\n<ul>\n<li>\ud0dc\uad6d \uc740\ud589\uc774 \uc8fc\ub3c4\ud558\ub294 BAHTNET \uccad\uc0b0 \uc2dc\uc2a4\ud15c \uae30\ubc18<\/li>\n<li>PromptPay \uc989\uc2dc \uacb0\uc81c \ud504\ub85c\ud1a0\ucf5c \ucc44\ud0dd(\uc1a1\uae08\uc5d0 5\ucd08 \uc18c\uc694)<\/li>\n<li>\ud0dc\uad6d QR \ud45c\uc900 \uc9c0\uc6d0(EMVCo QR\uacfc \ud638\ud658\ub418\uc9c0\ub9cc \ud2b9\ubcc4\ud55c \uad6c\uc131\uc774 \ud544\uc694\ud568)<\/li>\n<\/ul>\n<p>2. \ud574\uc678 \uacb0\uc81c \ucc44\ub110:<\/p>\n<ul>\n<li>SWIFT \uba54\uc2dc\uc9d5 \uc2dc\uc2a4\ud15c\uc740 \ud3c9\uade0 8\uc2dc\uac04 \uc774\uc0c1 \uc18c\uc694\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<li>ISO8583 \ud504\ub85c\ud1a0\ucf5c\uc744 \uc0ac\uc6a9\ud558\ub294 \ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc<\/li>\n<li>\ud574\uc678 \uc1a1\uae08\uc740 \ud574\ub2f9 \uc740\ud589 \ubaa8\ub378\uc5d0 \uc758\uc874\ud569\ub2c8\ub2e4(\uc911\uac1c \uc740\ud589 \uc218\uc218\ub8cc\uac00 \ubc1c\uc0dd\ud558\ub294 \uacbd\uc6b0\uac00 \ub9ce\uc74c).<\/li>\n<\/ul>\n<p>II. \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d \ube44\uad50<\/p>\n<ol>\n<li>\uc9c0\uc5ed \uacb0\uc81c \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c:<\/li>\n<\/ol>\n<ul>\n<li>\uacb0\uc81c \uc2dc\uc2a4\ud15c\ubc95 B.E. 2560\uc758 \uc801\uc6a9\uc744 \ubc1b\uc2b5\ub2c8\ub2e4.<\/li>\n<li>\ub2e8\uc77c \uac70\ub798 \ud55c\ub3c4 200,000\ubc14\ud2b8(\ubbf8\ud654 \uc57d 5,700\ub2ec\ub7ec)<\/li>\n<li>\ud544\uc218 SMF \uc778\uc99d(\ud0dc\uad6d\uc758 \ud540\ud14c\ud06c \ubcf4\uc548 \ud45c\uc900)<\/li>\n<\/ul>\n<p>2. \uad6d\uacbd \uac04 \uacb0\uc81c \uaddc\uc815 \uc900\uc218 \ube44\uc6a9:<\/p>\n<p>III. \uacb0\uc81c \ube44\uc6a9 \uad6c\uc870\uc758 \ucc28\uc774<\/p>\n<ol>\n<li>\n<p><strong>\ud604\uc9c0 \uacb0\uc81c \ube44\uc6a9 \ubaa8\ub378<\/strong><\/p>\n<ul>\n<li>\ud0dc\uad6d \uc740\ud589 \uac04 \uc1a1\uae08: \uc77c\ubc18\uc801\uc73c\ub85c \uac70\ub798\ub2f9 0~5\ubc14\ud2b8(\uc57d $0-0.15)<\/li>\n<li>PromptPay \uc2a4\uc715 \uacb0\uc81c: \ud310\ub9e4\uc790 \uc694\uc728 0.25%-0.75%(\ud574\uc678 \uce74\ub4dc\ubcf4\ub2e4 \ub0ae\uc74c)<\/li>\n<li>\uc815\ubd80 \uc758\ubb34 \uc0ac\ud56d: \uc218\uc218\ub8cc \uc5c6\ub294 \uac1c\uc778 \uac04 \uc1a1\uae08 50,000\ubc14\ud2b8 \uc774\ud558<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad6d\uc81c \uacb0\uc81c\uc758 \ube44\uc6a9 \uad6c\uc131 \uc694\uc18c<\/strong><br \/>\n| \uc694\uae08 \uc720\ud615 | \uc77c\ubc18\uc801\uc778 \uc694\uae08 \ubc94\uc704 | \uc124\uba85 | \uc124\uba85<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| \uad6d\uacbd \uac04 \uac70\ub798 \uc218\uc218\ub8cc | 1%-3% | \ube44\uc790\/MC \uae30\ubcf8 \ud3c9\uac00 \uc218\uc218\ub8cc + \ud658\uc804 \uc218\uc218\ub8cc | \ud658\uc804 \uc218\uc218\ub8cc<br \/>\n| SWIFT \uc1a1\uae08 \uc218\uc218\ub8cc | <x-equation>\uac70\ub798\ub2f9 15~40\uac74 | \uc911\uac1c \uc740\ud589 \uc9c0\ubd88 \uac70\uc808(\uc7a6\uc740 \uc190\uc2e4) \ud3ec\ud568<\/x-equation>10-20)    |<br \/>\n| \uc9c0\ubd88 \uac70\uc808 \ucc98\ub9ac \uc218\uc218\ub8cc | $15-50\/\ud68c | \ubd84\uc7c1 \uac70\ub798 \uad00\ub9ac \ube44\uc6a9 | \ubd84\uc7c1 \uac70\ub798 \uad00\ub9ac \ube44\uc6a9<\/p>\n<\/li>\n<\/ol>\n<p>IV. \uae30\uc220\uc801 \ub3c4\ud0b9 \ubcf5\uc7a1\uc131 \ube44\uad50<\/p>\n<ol>\n<li>\n<p><strong>\ud604\uc9c0 \uacb0\uc81c \ud1b5\ud569 \uae30\ub2a5<\/strong><\/p>\n<ul>\n<li>API\ub294 \ud0dc\uad6d\uc740\ud589\ud611\ud68c(ABT)\uc758 DPS \ud45c\uc900 v2.3\uc744 \ub530\ub985\ub2c8\ub2e4.<\/li>\n<li>OAuth2 + \uc0c1\ud0dc \ube44\ubc00 \uc54c\uace0\ub9ac\uc998 SM4 \uc774\uc911 \uc778\uc99d<\/li>\n<li>QR\ucf54\ub4dc\uc5d0\ub294 \ud0dc\uad6d \ubd80\uac00\uac00\uce58\uc138 \uc778\ubcf4\uc774\uc2a4 \uc815\ubcf4 \ud544\ub4dc\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\uad6d\uc81c \ubcf5\ub3c4 \uae30\uc220 \uc694\uad6c \uc0ac\ud56d<\/strong><\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-javascript\">\/\/ \uc77c\ubc18\uc801\uc778 Stripe\/PayPal \ud574\uc678 \uacb0\uc81c \ud1b5\ud654 \uc608\uc2dc<br>\r\nstripe.paymentIntents.create({<br>\r\n \ud1b5\ud654: 'THB',<br>\r\n \uacb0\uc81c \ubc29\ubc95 \uc720\ud615: ['\uce74\ub4dc \uc81c\uc2dc'],<br>\r\n capture_method: 'automatic' \/\/3DS2 \uc720\ud6a8\uc131 \uac80\uc0ac\ub97c \ucd94\uac00\ub85c \ucc98\ub9ac\ud574\uc57c \ud569\ub2c8\ub2e4.<br>\r\n});<br>\r\n<\/code><\/pre>\n<p>V. \ucd5c\uc885 \uc0ac\uc6a9\uc790\uc758 \ud589\ub3d9 \ucc28\uc774<\/p>\n<ol>\n<li><strong>\ud0dc\uad6d \uc6d0\uc8fc\ubbfc \uc120\ud638\ub3c4 \ub370\uc774\ud130<\/strong>(2023\ub144 \uc911\uc559\uc740\ud589 \ubcf4\uace0\uc11c):<\/li>\n<\/ol>\n<ul>\n<li>\uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\ub960 73%(\ud2b8\ub8e8\uba38\ub2c8 \uc6b0\uc138)<\/li>\n<li>&lt;30\uc138 \uc0ac\uc6a9\uc790 86%\ub294 NFC\ubcf4\ub2e4 \ucf54\ub4dc \uc2a4\uce94\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/li>\n<li>\uc774\ucee4\uba38\uc2a4 \uacb0\uc81c \uae08\uc561\uc758 61%\ub97c \uc740\ud589 \uc1a1\uae08 \uacc4\uc88c\ub85c \ucc98\ub9ac\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>2.<strong>\uc804 \uc138\uacc4 \uc0ac\uc6a9\uc790 \uace0\ucda9 \uc870\uc0ac<\/strong><\/p>\n<pre><code>\uacb0\uc81c \uac70\ubd80\uc758 3\ub300 \uc774\uc720:<br>\r\n\ud1b5\ud654 \uc804\ud658 \uc2a4\ud504\ub808\ub4dc (38%) <br>\r\nDCC \ub3d9\uc801 \ud658\uc728 \ud45c\uc2dc\ub418\uc9c0 \uc54a\uc74c (29%)<br>\r\n(iii) \ub85c\uceec \ud68d\ub4dd\uae30 \uc640\uc778\ub4dc\uc5c5 \ucc28\ub2e8(23%)<br>\r\n<\/code><\/pre>\n<p>VI. \uc704\ud5d8 \uad00\ub9ac \uba54\ucee4\ub2c8\uc998 \ube44\uad50\ud45c<\/p>\n<table>\n<thead>\n<tr>\n<th>\ucc28\uc6d0(\uc218\ud559)<\/th>\n<th>\ud0dc\uad6d \uc2e4\uc2dc\uac04 \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c<\/th>\n<th>\uad6d\uc81c \uce74\ub4dc \uc870\uc9c1 \uaddc\uc815<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud2b8\ub9ac\uac70 \uc870\uac74<\/td>\n<td>\ub2e8\uc77c \uacc4\uc815 \ubd84\ub2f9 5\uac74 \uc774\uc0c1 \uac70\ub798<\/td>\n<td>AVS\/CVV \ubcf4\uc815 \uc2e4\ud328<\/td>\n<\/tr>\n<tr>\n<td>\ud3d0\uae30 \ubaa8\ub4dc<\/td>\n<td>-24\uc2dc\uac04 \ub3d9\uc548 \uc790\ub3d9 \ub3d9\uacb0\ub428<br \/>-OTP \ud655\uc778 \ubcf4\ub0b4\uae30<\/td>\n<td>-3DS \uc778\uc99d \uac15\uc81c \uc2dc\uc791<br \/>-\uc99d\uac00\ub41c \uc99d\uac70\uae08 \uc694\uac74<\/td>\n<\/tr>\n<tr>\n<td>\uc624\ub958\uc728     \t \t  \u00a0 \u00a0 \u00a0 \u00a0\u00a0 \u00a0<\/td>\n<td>&lt;0.7%(\uc911\uc559\uc740\ud589 \uaddc\uc81c \ud55c\ub3c4) \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/td>\n<td>&gt;12%(\ube44\uc790 2022 \ubcf4\uace0 \ub370\uc774\ud130)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\uad8c\uc7a5 \uad6c\ud604 \uc804\ub7b5:<br \/>\nB \uc2dc\ub098\ub9ac\uc624: SCB\/EasyPay\uc640 \uac19\uc740 \ud604\uc9c0 \ub9e4\uc785\uc5c5\uccb4\uc5d0 \uc6b0\uc120\uc21c\uc704\ub97c \ubd80\uc5ec\ud558\uace0, \ud574\uc678 \ucc44\ub110\uc744 \ub300\uccb4 \uc194\ub8e8\uc158\uc73c\ub85c \uc0ac\uc6a9\ud569\ub2c8\ub2e4.<br \/>\n2. C-\uc5d4\ub4dc \uc81c\ud488: '\ub4c0\uc5bc \ud2b8\ub799 \uac00\uaca9 \ucc45\uc815' \uae30\ub2a5\uc744 \uad6c\ud604\ud574\uc57c \ud569\ub2c8\ub2e4(THB\/USD \ubcd1\ub82c \ud45c\uc2dc).<br \/>\n\ucc38\uace0: \ud0dc\uad6d\uc758 \uc678\ud658\uad00\ub9ac\ubc95\uc5d0 \ub530\ub77c \ubbf8\ud654 50,000\ub2ec\ub7ec \uc0c1\ub2f9\uc561 \uc774\uc0c1\uc758 \uacb0\uc81c\ub294 BOI\ub97c \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"<p>\ud0dc\uad6d\uc758 \ud604\uc9c0 \uacb0\uc81c\uc640 \uad6d\uc81c \uacb0\uc81c\uc5d0\ub294 \uc5ec\ub7ec \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc0c1\ub2f9\ud55c \ucc28\uc774\uac00 \uc788\uc73c\uba70, \uc8fc\ub85c \uc801\uc6a9\uc5d0 \uc788\uc5b4\uc11c...<\/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":[31],"tags":[],"class_list":["post-3136","post","type-post","status-publish","format-standard","hentry","category-31"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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