{"id":3143,"date":"2025-06-02T13:31:39","date_gmt":"2025-06-02T05:31:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3143"},"modified":"2025-06-02T13:31:39","modified_gmt":"2025-06-02T05:31:39","slug":"%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/02\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e7%bd%91%e7%ab%99%e6%95%b4%e5%90%88%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"\uc804\uc790\uc0c1\uac70\ub798 \uc6f9\uc0ac\uc774\ud2b8\uc5d0 \uc778\ub3c4\ub124\uc2dc\uc544\uc5b4 \uacb0\uc81c\ub97c \ud1b5\ud569\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?"},"content":{"rendered":"

\uc804\uc790\uc0c1\uac70\ub798 \uc6f9\uc0ac\uc774\ud2b8\uc5d0 \uc778\ub3c4\ub124\uc2dc\uc544(\uc778\ub3c4\ub124\uc2dc\uc544) \uacb0\uc81c \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud569\ud558\ub824\uba74 \ud604\uc9c0 \uacb0\uc81c \uad00\uc2b5, \uaddc\uc815 \ubc0f \uae30\uc220 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub300\ud55c \uc2ec\uce35\uc801\uc778 \uc774\ud574\uac00 \ud544\uc694\ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \ub2e8\uacc4\ubcc4 \uc804\ubb38 \uac00\uc774\ub4dc\uc785\ub2c8\ub2e4:<\/p>\n

I. \uc2dc\uc7a5 \ubc0f \uaddc\uc815 \uc900\uc218 \uc900\ube44<\/h3>\n
    \n
  1. \n

    \uacb0\uc81c \ubc29\ubc95 \ubd84\uc11d<\/strong>::<\/p>\n

      \n
    • \uc804\uc790 \uc9c0\uac11(\uc608: \ub3c8)<\/strong>GoPay (351 TP3T \uc2dc\uc7a5 \uc810\uc720\uc728), OVO (251 TP3T), DANA (151 TP3T)\uac00 \uc0c1\uc704 3\uc704\ub97c \ucc28\uc9c0\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n
    • \uc740\ud589 \uc1a1\uae08<\/strong>\ub9cc\ub514\ub9ac \uac00\uc0c1 \uacc4\uc815(281 TP3T \uc810\uc720\uc728), BCA VA(221 TP3T) \uc6b0\uc138<\/li>\n
    • \ud3b8\uc758\uc810 \uacb0\uc81c<\/strong>\uc778\ub3c4\ub9c8\ub81b\/\uc54c\ud30c\ub9c8\ud2b8\uc758 \ube44\uc740\ud589\uad8c \uc778\uad6c\uc5d0 \ub300\ud55c \uc11c\ube44\uc2a4 \ubc94\uc704<\/li>\n
    • \ud560\ubd80<\/strong>\uc544\ucfe8\ub77c\ucfe0\uc640 \ud06c\ub808\ub514\ubcf4\ub294 \uc5f0\uac04 1,20%\uc758 \uc18d\ub3c4\ub85c \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \ubc95\ub960 \uc900\uc218<\/strong>::<\/p>\n

        \n
      • BPJPH \ud560\ub784 \uc778\uc99d \uc2e0\uccad(\ud2b9\uc815 \uc0c1\ud488\uc5d0 \ub300\ud55c)<\/li>\n
      • \ub2e8\uc77c \uac70\ub798 \ud55c\ub3c4\uac00 2\ucc9c\ub9cc \ub8e8\ud53c\uc544(\uc57d 1,300\ub2ec\ub7ec)\ub85c OJK \ud540\ud14c\ud06c \uaddc\uc815\uc744 \uc900\uc218\ud569\ub2c8\ub2e4.<\/li>\n
      • PCI DSS \ub808\ubca8 1 \uc778\uc99d\uc5d0 \ud544\uc218<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

        II. \uae30\uc220 \ud1b5\ud569 \ud504\ub85c\uadf8\ub7a8<\/h3>\n

        A. \uc790\uc728 \ub3c4\ud0b9 \ud504\ub85c\uadf8\ub7a8<\/h4>\n
        \/\/ Xendit API \uc0d8\ud50c \ucf54\ub4dc(Java)
        \r\nXenditOpt.setApiKey(\"xnd_development_...\") ;
        \r\n
        \r\n\ub9f5 \ub9e4\uac1c\ubcc0\uc218 = \uc0c8 \ud574\uc2dc\ub9f5();
        \r\nparams.put(\"external_id\", \"order-123\");
        \r\nparams.put(\"bank_code\", \"MANDIRI\");
        \r\nparams.put(\"name\", \"\uc2e0\uc6d0 \ubbf8\uc0c1\");
        \r\nparams.put(\"amount\", 150000);
        \r\n
        \r\n\uac00\uc0c1 \uacc4\uc815 va = XenditVA.create(\ub9e4\uac1c\ubcc0\uc218);
        \r\n<\/code><\/pre>\n
        \uc7a5\uc810: \uc800\ub834\ud55c \uc694\uae08(1.5-2%)
        \n\ub2e8\uc810: \uc5ec\ub7ec API \uc5f0\uacb0\uc744 \uc720\uc9c0\ud574\uc57c \ud568<\/p>\n
        B. PSP \uc9d1\uacc4 \ud504\ub85c\uadf8\ub7a8 \ube44\uad50\ud45c<\/h4>\n\n\n\n\n\n\n\n
        \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/th>\n\uc0ac\uc774\ud2b8 \ubc94\uc704<\/th>\n\uc815\uc0b0 \uc8fc\uae30<\/th>\nAPI \uc751\ub2f5 \uc2dc\uac04<\/th>\n<\/tr>\n<\/thead>\n
        Midtrans<\/td>\n92%<\/td>\nT+2<\/td>\n<800ms<\/td>\n<\/tr>\n
        Doku<\/td>\n85%<\/td>\nT+3<\/td>\n<1200ms<\/td>\n<\/tr>\n
        Xendit<\/td>\n78%<\/td>\nT+1<\/td>\n<500ms<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        \uc804\ud658\uc728\uc744 \ub192\uc774\ub824\uba74 '\uc6d0\ud074\ub9ad \uacb0\uc81c'\ub97c \uc9c0\uc6d0\ud558\ub294 \uc194\ub8e8\uc158\uc744 \uc120\ud0dd\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n
        III. \ud604\uc9c0\ud654 \ucd5c\uc801\ud654 \ud3ec\uc778\ud2b8<\/p>\n
          \n
        1. UI\/UX \ub514\uc790\uc778 \uc0ac\uc591<\/strong><\/li>\n<\/ol>\n
            \n
          • BPJS \uac74\uac15 \ubcf4\ud5d8 \uc900\ube44 \uc635\uc158 \ubc84\ud2bc\uc744 \ud45c\uc2dc\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
          • OTP \uc720\ud6a8\uc131 \uac80\uc0ac\ub294 6\uc790\ub9ac \ud615\uc2dd(SMS \ud615\uc2dd \ud45c\uc900)\uc744 \uc9c0\uc6d0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
          • \ub8e8\ud53c\uc544 \uae30\ud638\ub294 \uae08\uc561(50,000\ub8e8\ud53c\uc544)\uc758 \uc67c\ucabd\uc5d0 \ubc30\uce58\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n
              <\/p>\n
            1. \uc0ac\uae30 \ubc29\uc9c0 \uc804\ub7b5<\/strong><\/li>\n<\/ol>\n
                \n
              • \ub514\ubc14\uc774\uc2a4 \ud551\uac70\ud504\ub9b0\ud305\uc5d0\ub294 IMSI \ucf54\ub4dc \ucea1\ucc98\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
              • TransUnion \uc778\ub3c4\ub124\uc2dc\uc544 \ud48d\ub825 \uc81c\uc5b4 \uc778\ud130\ud398\uc774\uc2a4 \ud1b5\ud569 \ube44\uc6a9\uc740 \uc57d $0.02\/\ucffc\ub9ac\uc785\ub2c8\ub2e4.<\/li>\n<\/ul>\n
                IV. \uacb0\uc81c \ud504\ub85c\uc138\uc2a4 \ucd5c\uc801\ud654 \ubc0f \uc131\ub2a5 \uc870\uc815<\/strong><\/h3>\n
                1. \uacb0\uc81c \ud504\ub85c\uc138\uc2a4 \ud604\uc9c0\ud654 \uc124\uacc4<\/strong><\/h4>\n
                \uc778\ub3c4\ub124\uc2dc\uc544 \uc0ac\uc6a9\uc790\ub294 \uacb0\uc81c \ud658\uacbd\uc5d0 \ub300\ud55c \uace0\uc720\ud55c \uc120\ud638\ub3c4\ub97c \uac00\uc9c0\uace0 \uc788\uc73c\ubbc0\ub85c \ub2e4\uc74c \uc138\ubd80 \uc0ac\ud56d\uc5d0 \ud2b9\ud788 \uc8fc\uc758\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n
                  \n
                • \n
                  \ub2e4\ub2e8\uacc4 \uc720\ud6a8\uc131 \uac80\uc0ac<\/strong>(\ub300\uaddc\ubaa8 \uac70\ub798\uc758 \uacbd\uc6b0):<\/p>\n
                    \n
                  • \uc740\ud589 \uc1a1\uae08\/\uc804\uc790\uc9c0\uac11\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 2\ucc28 \ud655\uc778 \ud398\uc774\uc9c0(\uc218\ucde8\uc778\uc758 \uac00\uc0c1 \uacc4\uc88c \ubc88\ud638 + \uae08\uc561 \ud45c\uc2dc)\uac00 \ud544\uc694\ud569\ub2c8\ub2e4.<\/li>\n
                  • \uc778\uc99d\uc744 \uc644\ub8cc\ud558\ub824\uba74 \uacf5\uc2dd \uc571\uc73c\ub85c \uc774\ub3d9\ud574\uc57c \ud569\ub2c8\ub2e4(\ub525\ub9c1\ud06c \ud1b5\ud569\uc774 \uc548\uc815\uc801\uc774\uc5b4\uc57c \ud568).<\/li>\n<\/ul>\n<\/li>\n
                  • \n
                    \uc7a5\uc560 \ucc98\ub9ac \uba54\ucee4\ub2c8\uc998<\/strong>::<\/p>\n
                      \n
                    • Mandiri VA \ud0c0\uc784\uc544\uc6c3\uc740 15\ubd84\uc774\uba70 \uc2e4\ud328 \ud6c4 \uc0c8 VA \ubc88\ud638\uac00 \uc790\ub3d9\uc73c\ub85c \uc0dd\uc131\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                    • OVO\/DANA \uc624\ub958 \ucf54\ub4dc3005<\/code>\uc794\uc561\uc774 \ubd80\uc871\ud558\uba74 \uc0ac\uc6a9\uc790\uc5d0\uac8c \ud3b8\uc758\uc810 \uacb0\uc81c\ub85c \uc804\ud658\ud558\ub3c4\ub85d \uc548\ub0b4\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n
                    • \n
                      \uc601\uc218\uc99d \uc0ac\uc591<\/strong>::
                      \n\ubc95\uc5d0 \ub530\ub77c \ubc18\ub4dc\uc2dc \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n
                      PT [YourCompany] | NPWP: xx.xxx.xxx.x-xxx.xxx
                      \r\n\uc1a1\uc7a5 ID: INV\/2024\/XXXXX 
                      \r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n
                      2. API \uc131\ub2a5 \uc8fc\uc694 \uc9c0\ud45c<\/strong><\/h4>\n
                      \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub124\ud2b8\uc6cc\ud06c \uc9c0\uc5f0 \uc2dc\uac04\uc774 \uae38\uae30 \ub54c\ubb38\uc5d0(\ud3c9\uade0 3G \uc5f0\uacb0) \ud0c0\uac9f\uc744 \ucd5c\uc801\ud654\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n\n\n\n\n\n\n\n
                      \ud658\ud615 \ub9c1<\/th>\nSLA \uc694\uad6c \uc0ac\ud56d<\/th>\nCDN \ub178\ub4dc \ucd94\ucc9c<\/th>\n<\/tr>\n<\/thead>\n
                      \uacb0\uc81c \ud398\uc774\uc9c0 \ub85c\ub4dc<\/td>\n<2s<\/td>\nAkamai \uc790\uce74\ub974\ud0c0 POP<\/td>\n<\/tr>\n
                      API \uc751\ub2f5(\uc8fc\ubb38 \uc0dd\uc131)<\/td>\n<800ms<\/td>\nAWS ap-southeast-3(\uc790\uce74\ub974\ud0c0)<\/td>\n<\/tr>\n
                      \uc6f9\ud6c5 \uc54c\ub9bc<\/td>\n<3\ud68c \uc7ac\uc2dc\ub3c4<\/td>\nGCP \uc790\uce74\ub974\ud0c0 \uc9c0\uc5ed<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                      \u25b6\ufe0f \uc2e4\uc6a9\uc801\uc778 \ud301: Xendit\/Midtrans\ub85c \uac00\uae30create_payment<\/code>\uc778\ud130\ud398\uc774\uc2a4\ub294 TCP \ud328\uc2a4\ud2b8 \uc624\ud508\uc5d0 \ucd5c\uc801\ud654\ub418\uc5b4 \uc9c0\uc5f0 \uc2dc\uac04\uc744 \uc57d 200\ubc00\ub9ac\ucd08 \ub2e8\ucd95\ud569\ub2c8\ub2e4.<\/p>\n
                      \n
                      V. \uc6b4\uc601 \ubc0f \uc704\ud5d8 \uad00\ub9ac \uc804\ub7b5<\/strong><\/h3>\n
                      1. \ub3d9\uc801 \uc815\uc0b0 \uaddc\uce59<\/strong><\/h4>\n
                      \ucc44\ub110\uc5d0 \ub530\ub77c \uc790\uae08 \uccad\uc0b0 \uc8fc\uae30\ub97c \uc870\uc815\ud569\ub2c8\ub2e4:<\/p>\n
                      # \ud30c\uc774\uc36c \uc758\uc0ac \ucf54\ub4dc \uc608\uc81c
                      \r\ndef get_settlement_days(payment_method).
                      \r\n    \uaddc\uce59 = {
                      \r\n        \"BCA_VA\": {\"min_amount\":50,000,\"days\":1},
                      \r\n        \"DANA_EWALLET\": {\"min_\uae08\uc561\":0,\"days\":0}, # T+0 \uc778\uc2a4\ud134\ud2b8
                      \r\n        \"ALFAMART_RETAIL\": {\"max_amount\":1000000,\"days\":3} 
                      \r\n    }
                      \r\n    \ubc18\ud658 \uaddc\uce59.get(payment_method)
                      \r\n<\/code><\/pre>\n
                      2. AML \uaddc\uc815 \uc900\uc218 \ubaa8\ub2c8\ud130\ub9c1<\/strong><\/h4>\n
                      \uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589(BI)\uc5d0\uc11c \uae30\ub85d\uc744 \uc694\uccad\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n
                        \n
                      • IP + GPS \uc88c\ud45c\uc758 2\ub2e8\uacc4 \ud3ec\uc9c0\uc154\ub2dd(\uc624\ucc28 100m \ubbf8\ub9cc)<\/li>\n
                      • NIK<\/code>ID \ubc88\ud638 \ucea1\ucc98(Rp10jt\u2248$650 \uc774\uc0c1 \uac70\ub798)
                        \n\uad8c\uc7a5 \ub3c4\uad6c.<\/li>\n<\/ul>\n
                        Midtrans\uc758 \uc2e0\uc6d0 \ud655\uc778 API\ub97c \uc0ac\uc6a9\ud55c #
                        \r\ncurl https:\/\/api.midtrans.com\/v2\/kyc \\
                        \r\n -H '\uad8c\ud55c \ubd80\uc5ec: \uae30\ubcf8 xxxxx' \\
                        \r\n -d 'nik=3175021905840001&phone=62812888xxxx'
                        \r\n<\/code><\/pre>\n
                        \n
                        VI. \uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc\uc758 \ud1b5\ud569\uc744 \uc704\ud55c \uad8c\uc7a5 \uc0ac\ud56d<\/strong><\/h3>\n
                        1\ufe0f\u20e3\u00a0QRIS \uc720\ub2c8\ucf54\ub4dc \uacb0\uc81c<\/strong> (\uc815\ubd80 \uc758\ubb34 \ud45c\uc900)<\/p>\n
                          \n
                        • Doku\ub294 \uc774\ubbf8 0.7%\uc758 \ub0ae\uc740 \uc804\uc1a1\ub960\ub85c \ub3d9\uc801 QR \uc0dd\uc131\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
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