{"id":3140,"date":"2025-06-02T13:31:20","date_gmt":"2025-06-02T05:31:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3140"},"modified":"2025-06-02T13:31:20","modified_gmt":"2025-06-02T05:31:20","slug":"%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/","title":{"rendered":"\uc8fc\ubb38 \uc804\ud658\uc728\uc744 \ub192\uc774\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694? \ubca0\ud2b8\ub0a8\uc5d0\uc11c \ud604\uc9c0 \uacb0\uc81c\ub97c \uc0ac\uc6a9\ud558\uc138\uc694!"},"content":{"rendered":"

\uc8fc\ubb38 \uc804\ud658\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud55c \ud575\uc2ec\uc740 \ud2b9\ud788 \ubca0\ud2b8\ub0a8 \uc2dc\uc7a5\uc5d0\uc11c \uacb0\uc81c \ud504\ub85c\uc138\uc2a4\uc758 \ud604\uc9c0\ud654\ub41c \uacbd\ud5d8\uc744 \ucd5c\uc801\ud654\ud558\ub294 \uac83\uc785\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ubca0\ud2b8\ub0a8\uc758 \ud2b9\uc131\uc744 \ubc18\uc601\ud558\uc5ec \uacb0\uc81c \uad00\uc810\uc5d0\uc11c \uc804\ud658\uc728\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud55c \uad6c\uccb4\uc801\uc778 \uc804\ub7b5\uc785\ub2c8\ub2e4:<\/p>\n

    \n
  1. \uc8fc\uc694 \uacb0\uc81c \uc218\ub2e8\uc5d0 \ub300\ud55c \uc804\uccb4 \uc9c0\uc6d0<\/strong><\/li>\n<\/ol>\n
      \n
    • \ubc18\ub4dc\uc2dc \uc5f0\uacb0\ud574\uc57c \ud558\ub294 \ubca0\ud2b8\ub0a8\uc758 '\uc804\uc790\uc9c0\uac11 \ud2b8\ub9ac\uc624': MoMo(\uc2dc\uc7a5 \uc810\uc720\uc728 521%), ZaloPay(231%), ViettelPay(181%)<\/li>\n
    • \uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0: VietinBank, VPBank \ubc0f \uae30\ud0c0 \uc0c1\uc704 5\uac1c \uc740\ud589 \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \uc6b0\uc120 \uc561\uc138\uc2a4 \uac00\ub2a5<\/li>\n
    • \ud604\uae08 \uacb0\uc81c: COD \uc635\uc158\uc744 \uc720\uc9c0\ud558\ub418 \uc9c0\ub2a5\ud615 \uc704\ud5d8 \uad00\ub9ac \uc124\uc815($30 \ubbf8\ub9cc \uc8fc\ubb38\uc5d0 \ub300\ud574 \uc624\ud508\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4)<\/li>\n<\/ul>\n
        <\/p>\n
      1. \ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 UI\/UX \ucd5c\uc801\ud654 \ud301<\/strong><\/li>\n<\/ol>\n
          \n
        • \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0\ub294 \uae30\ubcf8\uc801\uc73c\ub85c \ubca0\ud2b8\ub0a8 \ub3d9(VND)\uc774 \ud45c\uc2dc\ub418\ubbc0\ub85c \ub3d9\uc801 \ud658\uc0b0\uc73c\ub85c \uc778\ud55c \ud658\uc728 \uc758\uc2ec\uc744 \ud53c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n
        • \uc2e0\uc6a9\uce74\ub4dc \uc635\uc158 \uc55e\uc5d0 MoMo \uc9c0\uac11 \uc544\uc774\ucf58\uc744 \ubc30\uce58\ud569\ub2c8\ub2e4(\uc804\ud658\uc728\uc744 71% \ub192\uc774\ub294 \uac83\uc73c\ub85c \uce21\uc815\ub428).<\/li>\n
        • \ud638\uce58\ubbfc\uc2dc \uc0ac\uc6a9\uc790\ub97c \uc704\ud574 \ubcc4\ub3c4\ub85c \ucd5c\uc801\ud654\ud55c ZaloPay SDK \ub85c\ub529 \uc18d\ub3c4<\/li>\n<\/ul>\n
            <\/p>\n
          1. \uacc4\uce35\ud615 \uc218\uc218\ub8cc \uc804\ub7b5<\/strong><\/li>\n<\/ol>\n
            # \uc2a4\ub9c8\ud2b8 \ucde8\uae09 \uc218\uc218\ub8cc \ubc30\ubd84 \uc54c\uace0\ub9ac\uc998 \uc608\uc2dc
            \r\ndef calculate_fee(\uc8fc\ubb38_\uae08\uc561).
            \r\n    \uc8fc\ubb38_\uae08\uc561 < 10: # < $10 \uc8fc\ubb38 \ud50c\ub7ab\ud3fc\uc5d0\uc11c \uc218\uc218\ub8cc \uc9c0\uae09
            \r\n        \ubc18\ud658 0 
            \r\n    elif \uc8fc\ubb38_\uae08\uc561 <50: #10 - $50 \ubd80\ubd84 \ubc30\ubd84
            \r\n        \ubc18\ud658 \uc8fc\ubb38 \uae08\uc561 * 0.015 -0.1  
            \r\n    \uae30\ud0c0: # \ub300\ud615 \uace0\uac1d\uc774 \uc790\ube44\ub85c \uc804\uccb4 \ube44\uc6a9 \uc9c0\ubd88
            \r\n        \ubc18\ud658 \uc8fc\ubb38 \uae08\uc561 * 0.02 
            \r\n<\/code><\/pre>\n
              <\/p>\n
            1. \uc0ac\uae30 \ubc29\uc9c0 \ubc0f \uc2e0\ub8b0 \uad6c\ucd95<\/strong><\/li>\n<\/ol>\n
                <\/p>\n
              1. \n
                \uc0ac\uae30 \ubc29\uc9c0 \ubc0f \uc2e0\ub8b0 \uad6c\ucd95<\/strong><\/p>\n
                  \n
                • \ubca0\ud2b8\ub0a8\uc758 \ud2b9\ud654\ub41c \uc704\ud5d8 \uad00\ub9ac \uaddc\uc815<\/strong>::\n
                    \n
                  • \"\ub3d9\uc77c\ud55c \uae30\uae30\uc5d0\uc11c \uc740\ud589 \uce74\ub4dc\ub97c \uc790\uc8fc \ubcc0\uacbd\ud558\ub294 \uacbd\uc6b0\"(\ubca0\ud2b8\ub0a8\uc5d0\uc11c \ud754\ud788 \uc0ac\uc6a9\ub418\ub294 \ud611\ubc15 \uc218\ubc95)\uc5d0 \ub300\ud55c \uc218\ub3d9 \uac10\uc0ac \ud2b8\ub9ac\uac70<\/li>\n
                  • \ud558\ub178\uc774 IP \uc8fc\uc18c\uc9c0\ub9cc \ubc30\uc1a1\uc9c0 \uc8fc\uc18c\uac00 \ud638\uce58\ubbfc\uc2dc\uc778 \uc8fc\ubb38\uc740 \uc778\uc99d \uc218\uc900\uc744 \ub192\uc785\ub2c8\ub2e4(\uc9c0\ubc29 \uac04 \uc0ac\uae30 \ubc1c\uc0dd\ub960\uc774 \ub192\uc74c).<\/li>\n<\/ul>\n<\/li>\n
                  • \uc2e0\ub8b0 \ub9c8\ud06c \ud45c\uc2dc<\/strong>::\n
                      \n
                    • \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 '\ud604\uc9c0 \uc0ac\uc5c5\uc790 \ub4f1\ub85d \ubc88\ud638'\ub97c \ud45c\uc2dc\ud569\ub2c8\ub2e4(\ubca0\ud2b8\ub0a8 \uc0b0\uc5c5\uc815\ubcf4\uae30\uc220\ubd80\uc5d0\uc11c \uc694\uad6c).<\/li>\n
                    • '\uc740\ud589\uae09 SSL \uc554\ud638\ud654' \ubc29\ud328 \uc544\uc774\ucf58 \ucd94\uac00(\ubca0\ud2b8\ub0a8\uc5b4 \uc124\uba85\uc744 \ubcf4\ub824\uba74 \ud074\ub9ad)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n
                    • \n
                      COD(\uc778\ub3c4 \uc2dc \ud604\uae08 \uacb0\uc81c) \ucd5c\uc801\ud654 \uc804\ub7b5<\/strong><\/p>\n
                      \/\/ COD \uc9c0\ub2a5\ud615 \ucd94\ucc9c \uc54c\uace0\ub9ac\uc998
                      \r\n\ud568\uc218 recommendCOD(order) {
                      \r\n  const riskFactors = {
                      \r\n    '\uc0c8 \uc0ac\uc6a9\uc790': 0.3, 
                      \r\n    '\uc57c\uac04 \uc8fc\ubb38(\uc624\ud6c4 22~6\uc2dc)': 0.4,
                      \r\n    '\uc678\ub534 \uc9c0\uc5ed': 0.7
                      \r\n  };
                      \r\n  
                      \r\n  \uc704\ud5d8 \uc810\uc218 = \uac1d\uccb4.\ud0a4(\uc704\ud5d8 \uc694\uc18c)
                      \r\n    .filter(factor => order[factor])
                      \r\n    .reduce((\ud569\uacc4, \uc694\uc778) => \ud569\uacc4 + \uc704\ud5d8 \uc694\uc778[\uc694\uc778], 0);
                      \r\n  
                      \r\n  \ubc18\ud658 \uc704\ud5d8 \uc810\uc218 <1 ? "COD \uc635\uc158 \ud45c\uc2dc" : "\ubd80\ud2b8\uc2a4\ud2b8\ub7a9 \uc120\ubd88\uc608\uce58\uae08 20%";
                      \r\n}
                      \r\n<\/code><\/pre>\n<\/li>\n
                    • \n
                      \uacb0\uc81c \uc2e4\ud328 \uc2a4\ub9c8\ud2b8 \ubcf5\uad6c<\/strong>
                      \n| \uc2e4\ud328 \uc774\uc720 | \ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uc194\ub8e8\uc158 | \ub85c\uceec\ub77c\uc774\uc81c\uc774\uc158 \uc194\ub8e8\uc158
                      \n|——————–|—————————————-|
                      \n| \uc794\uc561 \ubd80\uc871 | MoMo\uc758 \"\ucf54\uc778 \ucda9\uc804\" \ud398\uc774\uc9c0\ub85c \uc790\ub3d9 \uc774\ub3d9\ud569\ub2c8\ub2e4.
                      \n| \"\uce74\ub4dc \ud55c\ub3c4\" | Vietcombank\uc758 \uc2a4\uc715 \ud560\ubd80 \ucd94\ucc9c |
                      \n| \"OTP \uc2dc\uac04 \ucd08\uacfc\" | Viettel \uc0ac\uc5c5\uc790 \uc804\uc6a9 SMS \ucc44\ub110 \uc7ac\uc804\uc1a1 |<\/p>\n<\/li>\n
                    • \n
                      \ub370\uc774\ud130 \uae30\ubc18 A\/B \ud14c\uc2a4\ud2b8 \ucd08\uc810<\/strong>
                      \n\ud14c\uc2a4\ud2b8 \ubc29\ud5a5\uc758 \uc608\uc785\ub2c8\ub2e4:
                      \n\u2705 '\uc740\ud589 \uc1a1\uae08'\uc744 '\uc778\ud130\ub137 \ubc45\ud0b9'\uc73c\ub85c \uba85\uce6d \ubcc0\uacbd(\ubca0\ud2b8\ub0a8\uc758 \uc0ac\uc6a9\uc790 \uc778\uc2dd \ucc28\uc774)<\/em>
                      \n\u2705 \ud604\uae08 \uacb0\uc81c \ubc84\ud2bc\uc774 \ube68\uac04\uc0c9\uc5d0\uc11c \ub179\uc0c9\uc73c\ub85c \ubcc0\uacbd\ub418\uc5c8\uc2b5\ub2c8\ub2e4(\ubb38\ud654\uc801 \uc0c9\ucc44 \uc2ec\ub9ac).<\/em><\/p>\n<\/li>\n
                    • \n
                      \uc815\ucc45 \uc900\uc218 \uc81c\ucd9c \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/strong>
                      \n\ubbf8\ub9ac \uc900\ube44\ud574\uc57c \ud569\ub2c8\ub2e4:
                      \n\ud83d\udd39 NBV\uc5d0\uc11c \ubc1c\uae09\ud55c NBV \uacb0\uc81c \ub77c\uc774\uc120\uc2a4 \uc0ac\ubcf8
                      \n\ud83d\udd39 VNTA\uc5d0\uc11c \uc694\uad6c\ud558\ub294 \uac70\ub798 \ub85c\uadf8 \uc800\uc7a5 \uc194\ub8e8\uc158(\ucd5c\uc18c 12\uac1c\uc6d4)<\/p>\n<\/li>\n<\/ol>\n
                      \uce78\ubc18 \uad8c\uc7a5 \uc0ac\ud56d\uc744 \ubaa8\ub2c8\ud130\ub9c1\ud558\ub294 9\uac00\uc9c0 \uc8fc\uc694 \uc9c0\ud45c:
                      \n1\ufe0f\u20e3 MoPay \uc131\uacf5\ub960 \uadf8\ub798\ud504(\uc2dc\uac04\ub300\ubcc4)
                      \n2\ufe0f\u20e3 COD \uac70\ubd80\uc728 \ud788\ud2b8 \ub9f5(\uce74\uc6b4\ud2f0 \uc218\uc900\uc73c\ub85c \uc138\ubd84\ud654)
                      \n3\ufe0f\u20e3 OTP \uc785\ub825 \uc2dc\uac04 \ubd84\ud3ec \ud1b5\uacc4<\/p>\n
                      \ud2b9\ubcc4 \ucc38\uace0: 2024\ub144 2\ubd84\uae30\ubd80\ud130 \ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589\uc740 \ubaa8\ub4e0 \ud574\uc678 \uc1a1\uae08 \uc601\uc218\uc99d\uc5d0 '\uc678\ud658 \ucd9c\ucc98 \uc124\uba85' \ud544\ub4dc\ub97c \ucd94\uac00\ub85c \uc694\uad6c\ud558\ubbc0\ub85c \uacb0\uc81c \ud398\uc774\uc9c0\uc5d0\uc11c \ud574\ub2f9 \ud544\ub4dc\ub97c \ubbf8\ub9ac \uc608\uc57d\ud574 \ub450\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>","protected":false},"excerpt":{"rendered":"
                      \uc8fc\ubb38 \uc804\ud658\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud55c \ud575\uc2ec\uc740 \ud2b9\ud788 \ubca0\ud2b8\ub0a8\uc5d0\uc11c \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \ud504\ub85c\uc138\uc2a4 \ud658\uacbd\uc744 \ucd5c\uc801\ud654\ud558\ub294 \uac83\uc785\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,"footnotes":""},"categories":[34],"tags":[],"class_list":["post-3140","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"\n\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01 - 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\/\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01\" \/>\n<meta property=\"og:description\" content=\"\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\u7684\u5173\u952e\u5728\u4e8e\u4f18\u5316\u652f\u4ed8\u73af\u8282\u7684\u672c\u5730\u5316\u4f53\u9a8c\uff0c\u5c24\u5176\u5728\u8d8a\u5357…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/06\/02\/\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01\/\" \/>\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=\"2025-06-02T05:31:20+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<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/\"},\"author\":{\"name\":\"deekpay\",\"@id\":\"https:\/\/www.deekpay.com\/#\/schema\/person\/91e4e842fdd04f8c957a9f642506f51d\"},\"headline\":\"\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01\",\"datePublished\":\"2025-06-02T05:31:20+00:00\",\"dateModified\":\"2025-06-02T05:31:20+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/\"},\"wordCount\":30,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.deekpay.com\/#organization\"},\"articleSection\":[\"\u8d8a\u5357\u652f\u4ed8\"],\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/\",\"url\":\"https:\/\/www.deekpay.com\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e8%ae%a2%e5%8d%95%e8%bd%ac%e5%8c%96%e7%8e%87%ef%bc%9f%e7%94%a8%e5%a5%bd%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%ef%bc%81\/\",\"name\":\"\u5982\u4f55\u63d0\u5347\u8ba2\u5355\u8f6c\u5316\u7387\uff1f\u7528\u597d\u8d8a\u5357\u672c\u5730\u652f\u4ed8\uff01 - 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