{"id":3174,"date":"2025-06-04T14:03:40","date_gmt":"2025-06-04T06:03:40","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3174"},"modified":"2025-06-04T14:03:40","modified_gmt":"2025-06-04T06:03:40","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e4%b8%ad%e7%9a%84%e4%bd%9c%e7%94%a8","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/04\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e4%b8%ad%e7%9a%84%e4%bd%9c%e7%94%a8\/","title":{"rendered":"\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4\uc5d0\uc11c \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uc5ed\ud560"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts245.mm.bing.net\/th?q=paytm244\" alt=\"\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4\uc5d0\uc11c \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uc5ed\ud560\" title=\"\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4\uc5d0\uc11c \uc778\ub3c4 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\uc758 \uc5ed\ud560\"><\/p>\n<p>\uc778\ub3c4 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\ub294 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798, \ud2b9\ud788 \uae00\ub85c\ubc8c \ud310\ub9e4\uc790\uc640 \uc778\ub3c4 \uc18c\ube44\uc790\ub97c \uc5f0\uacb0\ud558\ub294 \ub370 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud569\ub2c8\ub2e4. \ub2e4\uc74c\uc740 \uacb0\uc81c \ub300\ud589\uc0ac\uc758 \ud575\uc2ec \uc5ed\ud560\uacfc \uc8fc\uc694 \uae30\ub2a5\uc5d0 \ub300\ud55c \uc790\uc138\ud55c \ubd84\uc11d\uc785\ub2c8\ub2e4:<\/p>\n<hr>\n<h3><strong>1. \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \ubb38\uc81c \ud574\uacb0<\/strong><\/h3>\n<ul>\n<li><strong>\ub2e4\uc591\ud55c \uacb0\uc81c \uc2b5\uad00 \uc801\uc6a9 \ubc94\uc704<\/strong>::<br \/>\n\uc778\ub3c4 \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub294 \ub9e4\uc6b0 \uc138\ubd84\ud654\ub418\uc5b4 \uc788\uc73c\uba70(UPI 40%, \uc9c0\uac11 15%, \uc2e0\uc6a9\/\uc9c1\ubd88\uce74\ub4dc 20%), \uad6d\uc81c \uce74\ub4dc\ub9cc \uc9c0\uc6d0\ud558\uba74 60% \uc774\uc0c1\uc758 \uc7a0\uc7ac \uace0\uac1d\uc744 \uc783\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, Meesho\uc640 \uac19\uc740 \uc18c\uc15c \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc740 Paytm, PhonePe\ub97c \ud1b5\ud569\ud558\uc5ec \uc804\ud658 \uc218\uac00 35% \uc99d\uac00\ud588\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uaddc\uc81c \uc7a5\ubcbd \uc6b0\ud68c\ud558\uae30<\/strong>::<br \/>\n\uc778\ub3c4 \uc911\uc559\uc740\ud589(RBI)\uc740 \uad6d\uacbd \uac04 \uac70\ub798\ub294 \ud604\uc9c0 \ubc95\uc778\uc744 \ud1b5\ud574 \ucc98\ub9ac\ud560 \uac83\uc744 \uc694\uad6c\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4, Amazon India\ub294 \uaddc\uc815 \uc900\uc218\ub97c \uc704\ud574 ACI Worldwide\uc758 \ud604\uc9c0 \ub77c\uc6b0\ud305\uc744 \uc0ac\uc6a9\ud558\uc5ec \uad6d\uacbd \uac04 \uac70\ub798\ub97c \uad6d\ub0b4 UPI \uacb0\uc81c\ub85c \ud328\ud0a4\uc9d5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \uc804\ud658\uc728 \ud5a5\uc0c1\uc744 \uc704\ud55c \uae30\uc220 \ucd5c\uc801\ud654<\/strong><\/h3>\n<ul>\n<li><strong>\uc9c0\ub2a5\ud615 \uacbd\ub85c \ub3d9\uc801 \uc2a4\uc704\uce6d<\/strong>::<br \/>\nRazorpay\uc640 \uac19\uc740 \ucd5c\uace0\uc758 \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 \uc131\uacf5\ub960 \ucd5c\uc801\ud654\ub97c \uae30\ubc18\uc73c\ub85c \ub3d9\uc801 \ub77c\uc6b0\ud305\uc744 \uc81c\uacf5\ud558\uc5ec ICICI \ubc45\ud0b9 \uac8c\uc774\ud2b8\uc6e8\uc774 \uc7a5\uc560 \ubc1c\uc0dd \uc2dc HDFC \ub610\ub294 Axis \ubc45\ud0b9 \ucc44\ub110\ub85c \uc790\ub3d9 \uc804\ud658\ud558\uc5ec 99.51 TP3T \uc774\uc0c1\uc758 \uac00\uc6a9\uc131\uc744 \ubcf4\uc7a5\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc6d0\ud074\ub9ad \uacb0\uc81c \ud658\uacbd<\/strong>::<br \/>\nUPI\uc758 'VPA \uac00\uc0c1 \uc8fc\uc18c' \uacb0\uc81c \ud504\ub85c\uc138\uc2a4\ub294 2\ub2e8\uacc4(\uad6d\uc81c \uce74\ub4dc\ub294 16\uc790\ub9ac \uce74\ub4dc \ubc88\ud638 + OTP \ub4f1 6\ub2e8\uacc4 \ud544\uc694)\ub9cc \uac70\uce58\uba74 \ub418\ubbc0\ub85c, BHIM UPI \ud1b5\ud569 \uc170\uc778 \uc571\uc758 \ud3c9\uade0 \uacb0\uc81c \uc2dc\uac04\uc774 3\ubd84\uc5d0\uc11c 22\ucd08\ub85c \ub2e8\ucd95\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \ubc14\ub78c \uc81c\uc5b4 \ubc0f \ube44\uc6a9 \uade0\ud615 \uc804\ub7b5<\/strong><\/h3>\n<ul>\n<li><strong>\uacc4\uce35\ud654\ub41c \uc0ac\uae30 \ubc29\uc9c0 \uc2dc\uc2a4\ud15c<\/strong>::<br \/>\n\uc0ac\ub840: Cashfree\ub294 1000\ub8e8\ud53c \ubbf8\ub9cc\uc758 \uac70\ub798(\ucc98\ub9ac \uc2dc\uac04 80\ubc00\ub9ac\ucd08 \uc18c\uc694)\uc5d0 \uac00\ubcbc\uc6b4 AI \uc2a4\ucf54\uc5b4\ub9c1\uc744 \uc0ac\uc6a9\ud558\ub294 \ud55c\ud3b8, \uace0\uac00 \uc8fc\ubb38\uc5d0 \ub300\ud574\uc11c\ub294 \ub2e4\ub2e8\uacc4 \uc778\uc99d + \uc218\ub3d9 \uac80\ud1a0\ub97c \ud65c\uc131\ud654\ud558\uc5ec \uc0ac\uae30\uc728\uc744 0.07%(\uc5c5\uacc4 \ud3c9\uade0 0.15%)\ub85c \uc720\uc9c0\ud569\ub2c8\ub2e4.<\/li>\n<li><strong>\uc800\ube44\uc6a9 \uccad\uc0b0 \ub124\ud2b8\uc6cc\ud06c<\/strong>::<br \/>\n\uacf5\uacfc\uae08\uacfc \uac19\uc740 \uccad\uad6c\uc11c\ub97c NPCI\uc758 BBPS \uc2dc\uc2a4\ud15c\uc744 \ud1b5\ud574 \uacb0\uc81c\ud560 \uacbd\uc6b0, \uad6d\uc81c \uce74\ub4dc\uc758 1\/10\uc5d0 \ubd88\uacfc\ud55c \uc218\uc218\ub8cc(\uc57d 0.21 TP3T \uc218\uc218\ub8cc, \ube44\uc790\/\ub9c8\uc2a4\ud130\uce74\ub4dc\uc758 \uacbd\uc6b0 2.51 TP3T)\ub9cc \uc9c0\ubd88\ud558\uba74 \uccad\uc0b0 \ube44\uc6a9\uc774 \uc808\uac10\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<hr>\n<h3><strong>4. \uc0c8\ub85c\uc6b4 \uc2dc\ub098\ub9ac\uc624 \uc9c0\uc6d0<\/strong><\/h3>\n<ul>\n<li><em>BNPL<\/em>\uc194\ub8e8\uc158:<br \/>\n\ud30c\uc778\ub7a9\uc2a4\ub294 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798 \uae30\uc5c5\uc744 \uc704\ud574 \ucd5c\ub300 300%\uc758 \uace0\uac1d \ub2e8\uac00 \uac1c\uc120(\uc608: \uc804\uc790\uc81c\ud488 \ud560\ubd80\uae08 15,000\ub8e8\ud53c, 12\uac1c\uc6d4 \ud560\ubd80\uae08 1,250\ub8e8\ud53c)\uc744 \ud1b5\ud574 EMI \ud560\ubd80 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n<h3><strong>5. \uc138\uae08 \ubc0f \uaddc\uc815 \uc900\uc218 \uc790\ub3d9\ud654<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>GST \ub3d9\uc801 \ucef4\ud4e8\ud305 \uc5d4\uc9c4<\/strong>::<br \/>\n\uc778\ub3c4\ub294 \uad6d\uacbd \uac04 B2C \uc0c1\ud488\uc5d0 \ub300\ud574 181 TP3T(\uc608: \uc758\ub958)\uc5d0\uc11c 281 TP3T(\uc608: \uc804\uc790\uc81c\ud488)\uc758 IGST\ub97c \ubd80\uacfc\ud569\ub2c8\ub2e4. PayU\uc758 \uc2a4\ub9c8\ud2b8 \uc138\uae08 API\uc640 \uac19\uc740 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\ub294 \ud1b5\uad00 \uc9c0\uc5f0\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 HS \ucf54\ub4dc\ub97c \uc778\uc2dd\ud558\uace0 \uc2e4\uc2dc\uac04\uc73c\ub85c \uc138\uae08\uc744 \uacc4\uc0b0\ud569\ub2c8\ub2e4. \uc608\ub97c \ub4e4\uc5b4 Lenskart\ub294 \uc774 \uae30\ub2a5\uc744 \ud1b5\ud574 \ud1b5\uad00 \uc2dc\uac04\uc744 72\uc2dc\uac04\uc5d0\uc11c 8\uc2dc\uac04\uc73c\ub85c \ub2e8\ucd95\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p><strong>\uc790\ub3d9 TCS \uc6d0\ucc9c\uc9d5\uc218<\/strong>::<br \/>\n2020 \uc7ac\ubb34\ubc95\uc548\uc5d0 \ub530\ub77c \uc774\ucee4\uba38\uc2a4 \ud50c\ub7ab\ud3fc\uc740 11 TP3T\uc758 \uc6d0\ucc9c\uc9d5\uc218(TCS)\ub97c \uc6d0\ucc9c\uc9d5\uc218\ud574\uc57c \ud558\uba70, Juspay\uc640 \uac19\uc740 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \ud310\ub9e4\uc790\uc758 \uaddc\uc815 \uc900\uc218 \ube44\uc6a9\uc744 \uc904\uc774\uae30 \uc704\ud574 \uc790\ub3d9 \uacf5\uc81c + \uba85\uc138\uc11c \uc0dd\uc131 \uae30\ub2a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 TCS\ub97c \uc218\ub3d9\uc73c\ub85c \ucc98\ub9ac\ud560 \uacbd\uc6b0 \uc624\ub958\uc728\uc774 121 TP3T\uc778 \ubc18\uba74, \uc790\ub3d9\ud654\ub41c \uc194\ub8e8\uc158\uc740 \uc624\ub958\ub97c 0.31 TP3T\ub85c \uc904\uc785\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. \uac00\ub77c\uc549\ub294 \uc2dc\uc7a5 \uce68\ud22c \uc804\ub7b5<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\uc74c\uc131\/\ubc29\uc5b8 \uacb0\uc81c \uc778\uc99d<\/strong>::<br \/>\n\ube44\uc601\uc5b4\uad8c \uc0ac\uc6a9\uc790(\uc628\ub77c\uc778 \uc1fc\ud551 \uc778\uad6c\uc758 671%\uc5d0 \ud574\ub2f9)\ub97c \uc704\ud574 \ubc14\ub77c\ud2b8\ud398\ub294 \ud78c\ub514\uc5b4\/\ud0c0\ubc00\uc5b4 \uc74c\uc131 OTP \uc778\uc99d\uc744 \ub3c4\uc785\ud558\uc5ec \ud2f0\uc5b4 2 \ub3c4\uc2dc \uc0ac\uc6a9\uc790\uc758 \uacb0\uc81c \uc131\uacf5\ub960\uc744 411% \uc99d\uac00\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<li>\n<p><em>\uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc6d0 \ub124\ud2b8\uc6cc\ud06c<\/em>\ud655\uc7a5:<br \/>\n\ud398\uc774\ub2c8\uc5b4\ube44\ub294 50\ub9cc \uac1c\uc758 \uae38\uac70\ub9ac \uc0c1\uc810\uc744 \ud1b5\ud574 '\ud604\uae08-\ub514\uc9c0\ud138' \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud558\uc5ec \uc0ac\uc6a9\uc790\uac00 \uac00\uc0c1 \uacc4\uc88c\uc5d0 \uc624\ud504\ub77c\uc778\uc73c\ub85c \uc785\uae08\ud558\uc5ec \uad6d\uacbd\uc744 \ub118\ub294 \uad6c\ub9e4\ub97c \ud560 \uc218 \uc788\ub3c4\ub85d \uc9c0\uc6d0\ud569\ub2c8\ub2e4. \uc774 \ubaa8\ub378\uc744 \ud1b5\ud574 \ub9dd\uace0\uc640 \uac19\uc740 \ud328\uc2a4\ud2b8 \ud328\uc158 \ube0c\ub79c\ub4dc\ub294 \uc740\ud589 \uacc4\uc88c\uac00 \uc5c6\ub294 1\uc5b5 2\ucc9c\ub9cc \uba85\uc758 \uc0ac\ub78c\ub4e4\uc5d0\uac8c \ub2e4\uac00\uac08 \uc218 \uc788\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \ub370\uc774\ud130 \uae30\ubc18 \uc6b4\uc601 \ucd5c\uc801\ud654<\/strong><\/h3>\n<ul>\n<li><em>\uc2e4\uc2dc\uac04 \uccad\uc0b0 \ubd84\uc11d \ub300\uc2dc\ubcf4\ub4dc<\/em>::<br \/>\nRazorpay\uc758 \ud310\ub9e4\uc790 \ubc31\uc5d4\ub4dc\ub294 \uc8fc\ubcc4 \uacb0\uc81c \uc131\uacf5\ub960\uc758 \ucc28\uc774\ub97c \ubcf4\uc5ec\uc8fc\ub294 \uc2dc\uac04\ubcc4 \uc5c5\ub370\uc774\ud2b8\ub41c \uacb0\uc81c \ub370\uc774\ud130 \ud788\ud2b8\ub9f5(\uc544\ub798)\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4. \ucf00\ub784\ub77c\ub294 \ub124\ud2b8\uc6cc\ud06c \ubb38\uc81c\ub85c \uc778\ud574 \uacb0\uc81c \uc131\uacf5\ub960\uc774 821 TP3T\uc5d0 \ubd88\uacfc\ud55c \ubc18\uba74 \ub378\ub9ac NCR \uc9c0\uc5ed\uc740 981 TP3T\uc5d0 \ub2ec\ud574 \ud310\ub9e4\uc790\uac00 \ubb3c\ub958 \ud30c\ud2b8\ub108\ub97c \ud0c0\uac9f\ud305\ud558\uace0 \uc870\uc815\ud560 \uc218 \uc788\ub3c4\ub85d \uc548\ub0b4\ud574\uc90d\ub2c8\ub2e4.<\/li>\n<\/ul>\n<pre><code>[\ud788\ud2b8 \ub9f5 \uc608\uc2dc]    <br>\r\n\ub378\ub9ac \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588 \uce74\uc9c0\ub178 98% | \ubb44\ubc14\uc774 \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u258995%   <br>\r\n\ubc29\uac08\ub85c\ub974 \u2588\u2588\u2588\u2588\u2588\u2588\u258c88% | \ube44\ud558\ub974 \u2588\u2588\u2588\u2588\u258e76%<br>\r\n<\/code><\/pre>\n<ul>\n<li><em>\uacc4\uc808\ubcc4 \ud750\ub984 \uc608\uc57d<\/em>::<br \/>\n\ub514\uc648\ub9ac \uae30\uac04 \ub3d9\uc548 Instamojo\ub294 \uba54\uc778 \ucc44\ub110\uc758 \ucd5c\ub300 \ud63c\uc7a1\uc5d0 \ub300\ucc98\ud558\uae30 \uc704\ud574 50% \uac70\ub798 \ud2b8\ub798\ud53d\uc744 \ub300\uccb4 \ucc44\ub110(\uc608\uc2a4\ubc45\ud06c + NPCI \uc774\uc911 \ub77c\uc6b0\ud305)\ub85c \uc790\ub3d9 \uc804\ud658\ud569\ub2c8\ub2e4(\ucd95\uc81c \uc2dc\uc98c \ub3d9\uc548 \uc77c\uc77c TPS 2000\ud68c\/\ucd08 \ub300 8000\ud68c\/\ucd08).<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. \uae30\uc220 \ud658\uacbd\uc758 \ubbf8\ub798 \ubc29\ud5a5<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <strong>UPI \uad6d\uc81c\ud654\uc758 \uc591\ubc29\ud5a5 \uc801\uc6a9<\/strong>NPCI\ub294 \uc2f1\uac00\ud3ec\ub974\uc758 PayNow\uc640 \uac19\uc740 \uc2dc\uc2a4\ud15c\uacfc \uc0c1\ud638 \uc5f0\uacb0\ud558\uc5ec \ud5a5\ud6c4 \uc778\ub3c4 \uc18c\ube44\uc790\ub4e4\uc774 UPI\ub97c \uc0ac\uc6a9\ud558\uc5ec \ud574\uc678 \ud310\ub9e4\uc790\uc5d0\uac8c \uc9c1\uc811 \uacb0\uc81c\ud560 \uc218 \uc788\ub3c4\ub85d \ud560 \uc608\uc815\uc785\ub2c8\ub2e4(\ud14c\uc2a4\ud2b8 \ub2e8\uacc4\uc5d0\uc11c\ub294 \uac70\ub798\ub2f9 \ubbf8\ud654 2,000\ub2ec\ub7ec \ud55c\ub3c4). \uc774\ub294 \uae30\uc874\uc758 \uad6d\uacbd \uac04 \uad6c\ub9e4 \ubaa8\ub378\uc744 \ub4a4\ud754\ub4e4 \uac83\uc785\ub2c8\ub2e4.<\/p>\n<p>2\ufe0f\u20e3 <em>CBDC \ud30c\uc77c\ub7ff \ud1b5\ud569<\/em>\uc778\ub3c4 \ub514\uc9c0\ud138 \ub8e8\ud53c(e\u20b9)\uac00 ICICI \ubc45\ud0b9 \uac8c\uc774\ud2b8\uc6e8\uc774\uc5d0 \uc5f0\uacb0\ub418\uc5b4 \uad6d\uacbd \uac04 \uc804\uc790\uc0c1\uac70\ub798\uc5d0\uc11c \uc989\uc2dc \uacb0\uc81c\ub97c \uc2e4\ud5d8\ud558\uace0 \uc788\uc73c\uba70, \uae30\uc874 SWIFT \uc1a1\uae08\uc5d0\ub294 1\ucd08\uac00 \uc18c\uc694\ub429\ub2c8\ub2e4.<del>3\uc77c \ubc0f \uc218\uc218\ub8cc 3%<\/del>5%, e\u20b9 \uc815\uc0b0\uc740 \uac70\uc758 \uc81c\ub85c\uc5d0 \uac00\uae4c\uc6b4 \ube44\uc6a9\uc73c\ub85c 10\ucd08 \ub9cc\uc5d0 \uc644\ub8cc\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<hr>\n<h3>[\uc8fc\uc694 \uc870\uce58 \uad8c\uc7a5 \uc0ac\ud56d]<\/h3>\n<p>\uc778\ub3c4\uc5d0 \uc9c4\ucd9c\ud558\ub824\ub294 \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uae30\uc5c5\uc5d0\uac8c \uc801\ud569\ud569\ub2c8\ub2e4:<br \/>\n\u2705 <em><strong>\ud544\uc218<\/strong><\/em> \ud604\uc9c0 \uc8fc\uc694 \ubc29\ubc95 3\uac00\uc9c0 \uc774\uc0c1 \ud1b5\ud569 - UPI, RuPay \uce74\ub4dc, \uc8fc\ub958 \uc9c0\uac11(PhonePe\/Paytm)<br \/>\n\u2705 <em><strong>\uace0\uac1d \ud6c4\uae30<\/strong><\/em> :: AI \ubc14\ub78c \uc81c\uc5b4 + \uba40\ud2f0\ubc45\ud06c \ub77c\uc6b0\ud305 \uae30\ub2a5\uc744 \uac16\ucd98 \ud1b5\ud569 \uac8c\uc774\ud2b8\uc6e8\uc774 \ucc44\ud0dd(\uc608: RazorpayX 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