{"id":3213,"date":"2025-06-05T15:48:22","date_gmt":"2025-06-05T07:48:22","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3213"},"modified":"2025-06-05T15:48:22","modified_gmt":"2025-06-05T07:48:22","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e5%a4%a7%e5%85%a8%ef%bc%882025%e6%9c%80%e5%85%a8%e6%95%b4%e7%90%86%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/05\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e6%96%b9%e5%bc%8f%e5%a4%a7%e5%85%a8%ef%bc%882025%e6%9c%80%e5%85%a8%e6%95%b4%e7%90%86%ef%bc%89\/","title":{"rendered":"\ud544\ub9ac\ud540\uc758 \uc804\uccb4 \uacb0\uc81c \uc218\ub2e8 \ubaa9\ub85d (2025\ub144 \uac00\uc7a5 \ud3ec\uad04\uc801\uc778 \uc870\uc9c1)"},"content":{"rendered":"

\ud544\ub9ac\ud540\uc758 \uc804\uccb4 \uacb0\uc81c \uc218\ub2e8 \ubaa9\ub85d: \ud604\uc9c0\ud654\ub41c \uae08\uc735 \uc194\ub8e8\uc158\uc5d0 \ub300\ud55c \uc885\ud569\uc801\uc778 \ubd84\uc11d<\/h1>\n

\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\uc7a5 \uac1c\uc694<\/h2>\n

\ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacbd\uc81c \uc911 \ud558\ub098\uc778 \ud544\ub9ac\ud540\uc740 \ub3c5\ud2b9\ud558\uace0 \ub2e4\uc591\ud55c \uacb0\uc81c \uc0dd\ud0dc\uacc4\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.2023\ub144 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ud544\ub9ac\ud540\uc758 \uc804\uc790\uc9c0\uac11 \uc0ac\uc6a9\uc790\ub294 5\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc774\uba70 \ub514\uc9c0\ud138 \uacb0\uc81c \uac70\ub798\ub294 \uc804\ub144 \ub300\ube44 451% \uc131\uc7a5\ud588\uc2b5\ub2c8\ub2e4.7\ucc9c\uc5ec \uac1c\uc758 \uc12c\uc73c\ub85c \uc774\ub8e8\uc5b4\uc9c4 \uc774 \ub098\ub77c\ub294 \uc804\ud1b5\uc801\uc73c\ub85c \ud604\uae08\uc774 \uc9c0\ubc30\uc801\uc774\uc5c8\uc9c0\ub9cc \ubaa8\ubc14\uc77c \uacb0\uc81c\uc758 \ud655\uc0b0\uc73c\ub85c \uc778\ud574 \uc774\ub7ec\ud55c \uc0c1\ud669\uc774 \ube60\ub974\uac8c \ubcc0\ud654\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc0c1\ud669\uc744 \ube60\ub974\uac8c \ubcc0\ud654\uc2dc\ud0a4\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc740 2025\ub144\uae4c\uc9c0 \uc18c\ub9e4 \uac70\ub798\uc758 50%\ub97c \ub514\uc9c0\ud138\ud654\ud558\ub294 \uac83\uc744 \ubaa9\ud45c\ub85c '\ud604\uae08 \uc5c6\ub294 \uc0ac\ud68c' \ud504\ub85c\uadf8\ub7a8\uc744 \uc801\uadf9\uc801\uc73c\ub85c \ucd94\uc9c4\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \uc815\ucc45\uc801 \uc9c0\uc6d0\uacfc \uae30\uc220 \uc218\uc6a9\ub3c4\uac00 \ub192\uc740 \uc80a\uc740 \uc778\uad6c(\ud3c9\uade0 \uc5f0\ub839 25.7\uc138)\uac00 \uacb0\ud569\ud558\uc5ec \ud544\ub9ac\ud540\uc5d0\uc11c \ub514\uc9c0\ud138 \uacb0\uc81c\ub294 \ube60\ub974\uac8c \uc131\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uadf8\ub7ec\ub098 \uc9c0\ub9ac\uc801 \ubd84\uc0b0\uacfc \ub0ae\uc740 \uc740\ud589 \ubcf4\uae09\ub960(\uc131\uc778 \uc911 51%\ub9cc\uc774 \uc740\ud589 \uacc4\uc88c\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc74c)\ub85c \uc778\ud574 \ud1b5\uc2e0 \uc740\ud589 \ubc0f \ucee4\ubba4\ub2c8\ud2f0 \uc0c1\uc810 \ucda9\uc804 \ud3ec\uc778\ud2b8\uc640 \uac19\uc740 \ube44 \uc804\ud1b5\uc801\uc778 \uacb0\uc81c \ubc29\uc2dd\uc774 \uc5ec\uc804\ud788 \uc911\uc694\ud55c \uc5ed\ud560\uc744 \ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

\uae30\uc874 \uc740\ud589 \uc1a1\uae08\uacfc \uc804\uc790\uc9c0\uac11 \ube44\uad50<\/h2>\n

\uc8fc\uc694 \uc740\ud589 \uc778\ud130\ub137 \ubc45\ud0b9 \uc11c\ube44\uc2a4<\/h3>\n
    \n
  1. BDO \uc720\ub2c8\ubc45\ud06c<\/strong> - \uc2dc\uc7a5 \uc810\uc720\uc728\uc774 \uac00\uc7a5 \ub192\uc740 \uc2dc\uc911 \uc740\ud589\uc740 BDO \uc628\ub77c\uc778 \ubc45\ud0b9\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
  2. BPI(\ud544\ub9ac\ud540 \uc81c\ub3c4 \uc740\ud589)<\/strong> - \uac00\uc7a5 \uc624\ub798\ub41c \uc740\ud589\uc740 BPI \uc775\uc2a4\ud504\ub808\uc2a4 \uc628\ub77c\uc778\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
  3. \uba54\ud2b8\ub85c\ubc45\ud06c<\/strong> - \uba54\ud2b8\ub85c\ubc45\ud06c \uc628\ub77c\uc778\uc740 \uae30\uc5c5 \uc218\uc900\uc758 \uc1a1\uae08 \uc11c\ube44\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
  4. UnionBank<\/strong> - \uc80a\uc740 \uc0ac\uc6a9\uc790\uce35\uc744 \ud0c0\uae43\uc73c\ub85c \ud558\ub294 EON \ub514\uc9c0\ud138 \ubc45\ud0b9<\/li>\n<\/ol>\n

    \uc774\ub7ec\ud55c \uc740\ud589\uc758 \uc628\ub77c\uc778 \uc1a1\uae08 \uc2dc\uc2a4\ud15c\uc740 \uc77c\ubc18\uc801\uc73c\ub85c 10~50\ud398\uc18c \ubc94\uc704\uc758 \uc694\uae08\uc73c\ub85c InstaPay(\uc2e4\uc2dc\uac04 \ub3c4\ucc29) \ubc0f PESONet(\uc77c\uad04 \ucc98\ub9ac)\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4.<\/p>\n

    \ub85c\uceec \uc804\uc790\uc9c0\uac11 TOP5<\/h3>\n
      \n
    1. GCash<\/strong> - 5,100\ub9cc \uba85 \uc774\uc0c1\uc758 \uac00\uc785\uc790\ub97c \ubcf4\uc720\ud55c Globe Telecom
      \n\uc8fc\uc694 \uae30\ub2a5<\/em>: G\uc778\ubca0\uc2a4\ud2b8\uba3c\ud2b8 \ud22c\uc790, GCredit \uc18c\uc561 \uae08\uc735, QR\ucf54\ub4dc \uacb0\uc81c<\/li>\n
    2. Maya<\/strong>(\uad6c PayMaya) - Voyager Innovations\uc5d0\uc11c \uc6b4\uc601\ud569\ub2c8\ub2e4.
      \n\ucd5c\ucca8\ub2e8<\/em>\ube44\uc790 \uac00\uc0c1 \uce74\ub4dc, \uccad\uad6c\uc11c \uc790\ub3d9 \uc774\uccb4, \uc644\ubcbd\ud55c \ud310\ub9e4\uc790 \uc194\ub8e8\uc158<\/li>\n
    3. Coins.ph<\/strong> - \ube14\ub85d\uccb4\uc778 \uc9c0\uc6d0 \uc9c0\uac11
      \n\uace0\uc720\ud55c \uac00\uce58<\/em>\uc554\ud638\ud654\ud3d0 \uac70\ub798\uc18c, \uac8c\uc784 \ucda9\uc804 \uc804\ubb38\uc131<\/li>\n
    4. GrabPay<\/strong> - \uc5d0\ucf54 \uc784\ubca0\ub514\ub4dc \uacb0\uc81c \ub3c4\uad6c \uc0ac\uc6a9
      \n\uc2dc\ub098\ub9ac\uc624 \uc774\uc810<\/em>: \ud0dd\uc2dc\/\ud14c\uc774\ud06c\uc544\uc6c3 \uc6d0\ud65c\ud55c \uc2f1\uac00\ud3ec\ub974 \ub9d0\ub808\uc774\uc2dc\uc544 \uad6d\uacbd \uac04 \uacb0\uc81c<\/li>\n
    5. ShopeePay<\/strong> - Shopee \uc804\uc790\uc0c1\uac70\ub798 \uc804\uc6a9 \uc9c0\uac11
      \n\ud504\ub85c\ubaa8\uc158 \uc804\ub7b5<\/em>\"\ubb34\ub8cc \ubc30\uc1a1\"\uacfc \uac19\uc740 \uc7a6\uc740 \uc1fc\ud551 \uc778\uc13c\ud2f0\ube0c.<\/li>\n<\/ol>\n

      QR Ph \ud45c\uc900\uacfc \uc2a4\uce94 \uacb0\uc81c\uc758 \ubd80\uc0c1<\/h2>\n

      2020\ub144\uc5d0 \ubc1c\ud45c\ub41c \uad6d\uac00 QR Ph \ud45c\uc900\uc740 \uc5ec\ub7ec \ud50c\ub7ab\ud3fc\uc5d0\uc11c QR\ucf54\ub4dc \ud615\uc2dd\uc744 \uc870\ud654\uc2dc\ud0b5\ub2c8\ub2e4. 2023\ub144 \ub9d0\uae4c\uc9c0:<\/p>\n

        \n
      • GCash \uac00\ub9f9\uc810 \ucf54\ub4dc\ub294 \uc804\uad6d 85% \ub3c4\uc2dc \ubc0f \uce74\uc6b4\ud2f0\uc5d0 \uc801\uc6a9\ub429\ub2c8\ub2e4.<\/li>\n
      • \ub9c8\uc57c \ube44\uc988\ub2c8\uc2a4, \uc11c\uba85 \ud310\ub9e4\uc790 \uc218 120\ub9cc \uba85 \ub3cc\ud30c<\/li>\n
      • SM \uc288\ud37c\ub9c8\ucf13 \ubc0f \uae30\ud0c0 \ub300\ud615 \uc18c\ub9e4 \uccb4\uc778\uc740 \ubaa8\ub450 \ud1b5\ud569 \ucf54\ub4dc \uc2a4\uce94\uc5d0 \uc5f0\uacb0\ub418\uc5b4 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n

        \uc77c\ubc18\uc801\uc778 \uc0ac\uc6a9 \uc2dc\ub098\ub9ac\uc624:
        \n1) \ud478\ub4dc \ub9c8\ucf13 \ubca4\ub354\uac00 \ud45c\uc2dc\ud558\ub294 \uace0\uc815\uc2dd QR\ucf54\ub4dc \ud50c\ub808\uc774\ud2b8
        \n2) \ud0dd\uc2dc \uae30\uc0ac\uac00 \ub3d9\uc801\uc73c\ub85c \uc0dd\uc131\ub41c QR \ucf54\ub4dc\ub97c \uc694\uae08\uc5d0 \uc81c\uc2dc\ud569\ub2c8\ub2e4.
        \n3) \ud328\uc2a4\ud2b8\ud478\ub4dc\uc810 \uc140\ud504 \uc11c\ube44\uc2a4 \uc8fc\ubb38\uae30 \ud1b5\ud569 \ucf54\ub4dc \uc2a4\uc704\ud551 \uacb0\uc81c \ubaa8\ub4c8<\/p>\n

        \uae30\uc220 \uc0ac\uc591 \ud2b9\uc131:
        \n\u2714\ufe0f UPI \ud638\ud658 \uc544\ud0a4\ud14d\ucc98\ub85c \uad6d\uc81c \uc778\ud130\ud398\uc774\uc2a4\ub97c \uc6a9\uc774\ud558\uac8c \ud569\ub2c8\ub2e4.
        \n\u2714\ufe0f EMVCo 2\ucc28 \ud310\ub9e4\uc790 \uacc4\uce35\ud615 \uc778\uc99d \uba54\ucee4\ub2c8\uc998
        \n\u2714\ufe0f BSP \uc2dc\ud589 0% \ucde8\uae09 \uc218\uc218\ub8cc \uc815\ucc45(P2P)<\/p>\n

        \uc77c\ubc18\uc758\uc57d\ud488 \ucc98\ubc29\uc804 \uc5c6\uc774 \uad6c\uc785\ud560 \uc218 \uc788\ub294 \uacb0\uc81c \ub124\ud2b8\uc6cc\ud06c \uc0c1\uc138 \uc815\ubcf4<\/h2>\n

        \uc740\ud589 \uacc4\uc88c\uac00 \uc5c6\ub294 \uc0ac\uc6a9\uc790\uce35\uc5d0\uac8c\ub294 '\ud604\uae08 \uc778\ucd9c' \ucc44\ub110\uc774 \ub9e4\uc6b0 \uc911\uc694\ud569\ub2c8\ub2e4:<\/p>\n\n\n\n\n\n\n\n\n
        \uc0c1\ub2f4\uc6d0 \uc720\ud615<\/th>\n\ub300\ud45c \ube0c\ub79c\ub4dc<\/th>\n\uc218\uc218\ub8cc\uc728<\/th>\n\ub178\ud654(\uc57c\uae08)<\/th>\n<\/tr>\n<\/thead>\n
        \ud3b8\uc758\uc810<\/td>\n7-Eleven CLiQQ<\/td>\n1%-2%<\/td>\n\uc2e0\uc18d\ud55c \uacb0\uc81c<\/td>\n<\/tr>\n
        \uc57d\uad6d \ubc0f \uc288\ud37c\ub9c8\ucf13<\/td>\nSM \ubc14\uc57c\ub4dc \uc13c\ud130<\/td>\n\uace0\uc815 15\u20b1<\/td>\n15\ubd84 \uc9c0\uc5f0<\/td>\n<\/tr>\n
        \ubcf5\uad8c \ubc29\uc1a1\uad6d<\/td>\n\ud314\ub77c\uc644 \uc804\ub2f9\ud3ec<\/td>\n\uae08\uc561 \uae30\ubc18 \uac78\uc74c \uc218 \uc694\uae08<\/td>\nSMS \ud655\uc778 \ud544\uc694<\/td>\n<\/tr>\n
        \uae38\uac70\ub9ac \uc0c1\uc810\uc744 \uc704\ud55c ECPAY \ub300\ub9ac\uc810 \ud3ec\uc778\ud2b8<\/td>\n–<\/td>\n–<\/td>\n–<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        \uc6b4\uc601 \ud504\ub85c\uc138\uc2a4 \uacf5\ud1b5 \ub2e8\uacc4:
        \n\ucc38\uc870 \ubc88\ud638 \uc0dd\uc131
        \n\uc624\ud504\ub77c\uc778 \ub9e4\uc7a5\uc5d0\uc11c\uc758 \ud604\uae08 \ubc30\uc1a1 \ubc0f \uc601\uc218\uc99d \ubc1b\uae30
        \n(iii) \ub300\uc0c1 \uacc4\uc88c\uc5d0 \uc790\uae08\uc774 \uc785\uae08\ub418\uc5c8\ub2e4\ub294 \uc2dc\uc2a4\ud15c \uc54c\ub9bc<\/p>\n

        \uc704\ud5d8 \uacbd\uace0: \ubd84\uc7c1 \ubc1c\uc0dd\uc5d0 \ub300\ube44\ud558\uc5ec \ud56d\uc0c1 \uac70\ub798 \ubb38\uc11c\ub97c \ucd5c\uc18c 30\uc77c \ub3d9\uc548 \ubcf4\uad00\ud558\uace0, \uc57c\uac04\uc5d0 \uace0\uc561 \uc7a5\uc678\uac70\ub798(50,000\u20b1 \uc774\uc0c1)\ub294 \ud53c\ud558\uc138\uc694.<\/p>\n

        B2B \uae30\uc5c5 \uc815\uc0b0 \uc194\ub8e8\uc158 \ube44\uad50 \ubd84\uc11d<\/h2>\n

        \uc911\uc18c\uae30\uc5c5 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8 \ub9e4\ud2b8\ub9ad\uc2a4<\/h3>\n\n\n\n\n\n\n\n
        \uc218\uc9d1 \uc8fc\uae30(T+)<\/th>\n\uc678\ud658 \uc9c0\uc6d0? API \ubb38\uc11c \ubb34\uacb0\uc131<\/th>\n\uc801\uc6a9 \uac00\ub2a5\ud55c \uc0b0\uc5c5\uc758 \uc608<\/th>\n<\/th>\n<\/th>\n<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
        <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
        <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
        <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \ub3c5\ub9bd\ud615 \uc0ac\uc774\ud2b8 \ucd94\ucc9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624.
        \n\ud398\uc774\ud314 + \ub4dc\ub798\uace4\ud398\uc774 \ub85c\uceec \uc9d1\uacc4 \uac8c\uc774\ud2b8\uc6e8\uc774 + \ud398\uc18c\ub137 \uae30\uc5c5 \ub300\ub7c9 \ubc30\uc1a1<\/p>\n

        \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d: PCI DSS \uaddc\uc815 \uc900\uc218 \ube44\uc6a9 \ub300 MCC \ud310\ub9e4\uc790 \uc694\uae08 \ud611\uc0c1\uc2e4<\/p>\n

        \uaddc\uc815 \ucc38\uace0: BSP\ub294 \ubaa8\ub4e0 PSP\uac00 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc6b4\uc601\uc790(OPS) \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud558\ub3c4\ub85d \uc694\uad6c\ud569\ub2c8\ub2e4.<\/p>\n

        B2B \uae30\uc5c5 \uc815\uc0b0 \uc194\ub8e8\uc158 \ube44\uad50 \ubd84\uc11d<\/h2>\n

        \uc911\uc18c\uae30\uc5c5 \uc9c0\uc6d0 \ud504\ub85c\uadf8\ub7a8 \ub9e4\ud2b8\ub9ad\uc2a4<\/h3>\n\n\n\n\n\n\n\n\n
        \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/th>\n\uc218\uc9d1 \uc8fc\uae30(T+)<\/th>\n\uc678\ud658 \uc9c0\uc6d0<\/th>\nAPI \ubb38\uc11c \ubb34\uacb0\uc131<\/th>\n\uc6d4 \uc694\uae08(\u20b1)<\/th>\n\uc801\uc6a9 \uac00\ub2a5\ud55c \uc0b0\uc5c5\uc758 \uc608<\/th>\n<\/tr>\n<\/thead>\n
        PayMaya \ube44\uc988\ub2c8\uc2a4<\/td>\nT+1<\/td>\n\u2714\ufe0f (20\uac1c \uc774\uc0c1\uc758 \ud1b5\ud654)<\/td>\nRESTful \uc804\uccb4 \uc778\ud130\ud398\uc774\uc2a4 \ubb38\uc11c<\/td>\n999\ubd80\ud130<\/td>\n\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4, SaaS \uad6c\ub3c5<\/td>\n<\/tr>\n
        \ube44\uc988\ub2c8\uc2a4\uc6a9 GCash<\/td>\nT + 0 \uc2e4\uc2dc\uac04 \uacc4\uc815\uc73c\ub85c PHP \ub9cc \u274c SWIFT \uc1a1\uae08\uc740 \ucd94\uac00 Java \/ PHP SDK \uc608\uc81c \ud48d\ubd80\ud55c \ubb34\ub8cc \uacc4\uc815 \uc218\uc218\ub8cc, 0.5% \uac70\ub798 \ucd94\ucca8 \ucee4\ubba4\ub2c8\ud2f0 \uc18c\ub9e4, \ucf58\ud150\uce20 \uc81c\uc791\uc790\ub97c \uc2e0\uccad\ud574\uc57c\ud569\ub2c8\ub2e4.<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
        \uc720\ub2c8\uc628\ubc45\ud06c \uae00\ub85c\ubc8c\ub9c1\ucee4T+3 \uc791\uc5c5 days\u2714\ufe0f (\uc790\ub3d9\uacb0\uc81c)SOAP \ud504\ub85c\ud1a0\ucf5c \uae30\ubc18\uccab\ud574 \ubb34\ub8cc, \ub0b4\ub144 3000\ub3c4\ub9e4\ub3c4 \ubb34\uc5ed, \uc81c\uc870\uc5c5 \uc218\ucd9c<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
        InstaPay \uae30\uc5c5\ubc30\uce58 \ucc98\ub9ac(T+2) - PHPISO20022 \ud45c\uc900 \ub3c4\ud0b9 \ucd08\uae30 \uc124\uc815\ube44 15,000 \ubb3c\ub958 \ud68c\uc0ac, \uae09\uc5ec \ubd84\ubc30\ub9cc \ud574\ub2f9<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

        \ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \ub3c5\ub9bd \uc0ac\uc774\ud2b8 \ucd94\ucc9c \ud3ec\ud2b8\ud3f4\ub9ac\uc624<\/strong><\/h3>\n

        \u2705 \ud398\uc774\ud314 + \ub4dc\ub798\uace4\ud398\uc774 \ub85c\uceec \uc9d1\uacc4 \uac8c\uc774\ud2b8\uc6e8\uc774 + \ud398\uc18c\ub137 \uae30\uc5c5 \ub300\ub7c9 \ubc30\uc1a1<\/strong><\/p>\n

        \uae30\uc220 \ud1b5\ud569 \ud544\uc218 \uc0ac\ud56d:<\/strong><\/p>\n

          \n
        1. \ub4dc\ub798\uace4\ud398\uc774\ub294 \uace0\uc720\ud55c '\ud604\uae08\u2192\ud398\uc774\ud314 \uc794\uc561' \ucc44\ub110\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/li>\n
        2. \ud398\uc18c\ub137 \ub300\ub7c9 \ud3ec\uc6cc\ub529\uc740 \ubca4\ub354 \uacb0\uc81c\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4(\uac70\ub798\ub2f9 \ucd5c\uc18c 1\ud398\uc18c \uc218\uc218\ub8cc).<\/li>\n
        3. PayPal \ubd84\uc7c1 \ucc98\ub9ac \ubc0f BSP \ubd88\ub9cc \ucc98\ub9ac \uba54\ucee4\ub2c8\uc998 \ub4c0\uc5bc \ud2b8\ub799<\/li>\n<\/ol>\n

          \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d:<\/strong><\/p>\n

            \n
          • PCI DSS \uaddc\uc815 \uc900\uc218 \ube44\uc6a9<\/strong>\ub808\ubca8 1 \ud310\ub9e4\uc790 \uc5f0\uac04 \uac80\ud1a0 ~$50,000 vs MCC \ud2b9\ubcc4 \ud310\ub9e4\uc790 \uc694\uae08 1.2% \uc774\ud558\ub85c \ud611\uc0c1 \uac00\ub2a5<\/li>\n
          • \uc720\ub3d9\uc131 \uad00\ub9ac<\/strong>UBP\/HSBC\uc640 \uac19\uc740 \ud574\uc678 \uc740\ud589\uacfc\uc758 \uad6d\uacbd \uac04 \ud604\uae08 \ud480\ub9c1\uc744 \ud1b5\ud574 \ud658\ucc28\uc190\uc744 \ucd5c\uc801\ud654\ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n
            \n

            \uc0c8\ub85c\uc6b4 \uacb0\uc81c \ud2b8\ub80c\ub4dc\uc640 \ud601\uc2e0\uc801\uc778 \uc2e4\ud5d8<\/strong><\/h2>\n

            \uc911\uc559\uc740\ud589 \ub514\uc9c0\ud138 \ud654\ud3d0 \ud30c\uc77c\ub7ff \uc9c4\ud589 \uc0c1\ud669<\/strong><\/h3>\n

            \ud544\ub9ac\ud540 \uc911\uc559\uc740\ud589(BSP)\uc774 CBDC \ud504\ub85c\uc81d\ud2b8\uc778 \ud504\ub85c\uc81d\ud2b8 \uc544\uae38\ub77c\uc758 \ub450 \ubc88\uc9f8 \ub2e8\uacc4\uc5d0 \ub3cc\uc785\ud588\uc2b5\ub2c8\ub2e4:<\/p>\n

              \n
            • \u2708\ufe0f \ud56d\uacf5 \uc560\ud50c\ub9ac\ucf00\uc774\uc158 \uc2dc\ub098\ub9ac\uc624<\/strong>\uc138\ubd80\ud37c\uc2dc\ud53d \ud56d\uacf5\uad8c \ub514\uc9c0\ud138 \ud398\uc18c\ub85c \uacb0\uc81c\ud558\uae30<\/li>\n
            • \ud83c\udfed \uacf5\uae09\ub9dd \uae08\uc735<\/strong>: SM \uadf8\ub8f9, \uc790\ub3d9 \uacb0\uc81c \ub9b4\ub9ac\uc2a4\ub97c \uc704\ud55c \uc2a4\ub9c8\ud2b8 \ucee8\ud2b8\ub799\ud2b8 \uc2dc\ubc94 \uc6b4\uc601<\/li>\n
            • \ud83d\udcf1 \uc624\ud504\ub77c\uc778 \uacb0\uc81c \ud504\ub85c\ud1a0\ud0c0\uc785<\/strong>\ud0dc\ud48d \ucde8\uc57d \uc9c0\uc5ed\uc5d0\uc11c \ud14c\uc2a4\ud2b8\ub428(\ub124\ud2b8\uc6cc\ud06c \ud658\uacbd \uc5c6\uc774 NFC \uc804\uc1a1)<\/li>\n<\/ul>\n

              BNPL \uc9c0\uae08 \uad6c\ub9e4 \ud6c4 \uacb0\uc81c \ud328\ud134<\/h3>\n

              \ud604\uc9c0\ud654\ub41c \uc2a4\ud14c\uc774\uc9d5 \uc635\uc158 \ube44\uad50:<\/p>\n\n\n\n\n\n\n
              GCash GGives<\/th>\n\ub9c8\uc57c \ud06c\ub808\ub527<\/th>\n\ud648 \ud06c\ub808\ub527<\/th>\n<\/th>\n<\/th>\n<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
              <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
              <\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

              \uc704\ud5d8 \uacbd\uace0<\/em>: BNPL \uc5f0\uccb4 \uae30\ub85d\uc740 \uc2e0\uc6a9 \uc810\uc218\uc5d0 \uc601\ud5a5\uc744 \ubbf8\uce58\uace0 ECDA \ube14\ub799\ub9ac\uc2a4\ud2b8\uc5d0 \uc624\ub97c \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n

              \n

              \uaddc\uc81c \ud504\ub808\uc784\uc6cc\ud06c \ubc0f \uc18c\ube44\uc790 \ubcf4\ud638<\/strong><\/h2>\n

              \uc5c5\ub370\uc774\ud2b8\ub41c BSP \uaddc\uc815 \uc900\uc218 \uc694\uac74(2024\ub144 \uc2dc\ud589)<\/h3>\n

              1\ufe0f\u20e3 *\ubaa8\ub4e0 PSP\ub294 \uacb0\uc81c \uc2dc\uc2a4\ud15c \uc6b4\uc601\uc790(OPS)* \ub77c\uc774\uc120\uc2a4\ub97c \ubcf4\uc720\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

                \n
              • 3\ub2e8\uacc4 \ub77c\uc774\uc120\uc2a4 \uc790\ubcf8\uae08 \uc694\uac74: \ub0a9\uc785 \uc790\ubcf8\uae08 1\uc5b5 \ud30c\uc6b4\ub4dc<\/li>\n
              • AML\/CFT \uc2dc\uc2a4\ud15c\uc740 \ub9e4\uc6d4 STR\uc744 \uc81c\ucd9c\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n<\/ul>\n

                2\ufe0f\u20e3 \uc5c4\uaca9\ud55c \ub370\uc774\ud130 \ud604\uc9c0\ud654 \uc694\uad6c \uc0ac\ud56d<\/em><\/p>\n

                  \n
                • \uc0ac\uc6a9\uc790 \uc2e0\uc6d0 \uc815\ubcf4\ub294 \ubc18\ub4dc\uc2dc \uad6d\ub0b4 \uc11c\ubc84\uc5d0 \uc800\uc7a5\ud574\uc57c \ud569\ub2c8\ub2e4.<\/li>\n
                • \uad6d\uacbd \uac04 \ub370\uc774\ud130 \uc804\uc1a1\uc5d0 \ud544\uc694\ud55c NPC(\uad6d\uac00 \uac1c\uc778\uc815\ubcf4 \ubcf4\ud638\uc704\uc6d0\ud68c) \uc2b9\uc778<\/li>\n<\/ul>\n

                  3\ufe0f\u20e3 \ubd84\uc7c1 \ud574\uacb0\uc744 \uc704\ud55c \ub2e8\ucd95 \uae30\uac04<\/em>
                  \n\uc804\uc790\uc9c0\uac11 \ubd88\ub9cc \uc0ac\ud56d\uc740 \uc601\uc5c5\uc77c \uae30\uc900 7\uc77c(\uc774\uc804 15\uc77c) \uc774\ub0b4\uc5d0 \ud574\uacb0\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n

                  \n

                  \uc804\ud658 \ucd5c\uc801\ud654\ub97c \uc704\ud55c \uc2e4\ubb34 \uc870\uc5b8<\/strong><\/em><\/h2>\n

                  KPMG\uc758 \ud544\ub9ac\ud540 \uacb0\uc81c \uc5f0\uad6c \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 28% \uacb0\uc81c \uc131\uacf5\ub960\uc744 \uac1c\uc120\ud558\uae30 \uc704\ud574 \ub2e4\uc74c\uacfc \uac19\uc740 \uc804\ub7b5\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n

                  \ud83d\uded2 \uc804\uc790\uc0c1\uac70\ub798 \ud50c\ub7ab\ud3fc \ud544\uc218 \uad6c\uc131<\/strong><\/em><\/p>\n

                      \"\uc120\ud638 \ubc29\ubc95 \uc815\ub82c\": [\"GCash\", \"\uc2e0\uc6a9\uce74\ub4dc\", \"\ud3b8\uc758\uc810 \uacb0\uc81c\"],
                  \r\n    \"\ud3f4\ubc31 \ub85c\uc9c1\": \"\uc2e0\uc6a9 \uce74\ub4dc\uac00 \uc2e4\ud328\ud558\uba74 \uc790\ub3d9\uc73c\ub85c QRPh\ub85c \uc804\ud658\".
                  \r\n    \"\u8d27\u5e01\u663e\u793a\": \"\u59cb\u7ec8\u5c55\u793aPHP\u4ef7\u683c(\u907f\u514d\u52a8\u6001\u6362\u7b97)\",
                  \r\n    \"+12% \uc804\ud658\uc728 \uc694\uc18c\": [\"\ubc14\uc57c\ub4dc \uc13c\ud130 \uc544\uc6b8\ub81b \uc9c0\ub3c4 \ud45c\uc2dc\", \"\"]
                  \r\n}
                  \r\n<\/code><\/pre>\n
                  \ud83c\udfe6 \uc624\ud504\ub77c\uc778 \ud310\ub9e4\uc790 \uacc4\uc0b0\uc6d0 \ud301<\/strong><\/em>
                  \n\u25fe 1.5m(\uc544\uc2dc\uc544\uc778 \ud3c9\uade0 \ub208\ub192\uc774)\uc5d0\uc11c QR\ucf54\ub4dc \ubc30\uce58 \ub192\uc774 \uc870\uc808 \uac00\ub2a5
                  \n\u25fe OTC \ub300\ub9ac\uc810 POS \uacf5\ub3d9 \ud3ec\uc2a4\ud130\ub97c \uc704\ud55c \uc774\uc911 \uc5b8\uc5b4 \ud0c0\uac08\ub85c\uadf8\uc5b4\/\uc601\uc5b4 \ub85c\uace0
                  \n\u25fe POS \ucd9c\ub825\ubb3c\uc5d0\ub294 \"BSP \ubd88\ub9cc \ud56b\ub77c\uc778: (02) 8708-7087\"\uc774 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4.<\/p>\n
                  \n
                  \uc774 \uac00\uc774\ub4dc\ub294 \uc9c0\uc18d\uc801\uc73c\ub85c \uc5c5\ub370\uc774\ud2b8\ub418\ubbc0\ub85c \ubd81\ub9c8\ud06c\uc5d0 \ucd94\uac00\ud558\uace0 BSP \uc6f9\uc0ac\uc774\ud2b8\uc5d0\uc11c \uacf5\uc9c0\uc0ac\ud56d\uc744 \uc815\uae30\uc801\uc73c\ub85c \ud655\uc778\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4. \ud2b9\uc815 \uc5c5\uc885(\uc608: \uac8c\uc784 \ucda9\uc804 \ub610\ub294 \ud574\uc678 \ub178\ub3d9 \uc1a1\uae08)\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc774 \ud544\uc694\ud55c \uacbd\uc6b0 \uc624\ub978\ucabd \uc591\uc2dd\uc744 \ud1b5\ud574 \uc694\uccad\uc744 \uc81c\ucd9c\ud574 \uc8fc\uc138\uc694.<\/p>\n
                  \ud544\ub9ac\ud540\uc758 \uc9c0\uc5ed\ubcc4 \uacb0\uc81c \uc218\ub2e8 \ucc28\uc774\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/strong><\/h2>\n
                  \ub8e8\uc190\uc740 \uc0dd\ud0dc\uc801 \ud2b9\uc9d5\uc5d0 \ub300\ud55c \ube44\uc6a9\uc744 \uc9c0\ubd88\ud569\ub2c8\ub2e4.<\/h3>\n
                  \uac00\uc7a5 \uacbd\uc81c\uc801\uc73c\ub85c \ubc1c\uc804\ud55c \uc9c0\uc5ed\uc778 \uba54\ud2b8\ub85c \ub9c8\ub2d0\ub77c\ub294 \ub2e4\uc74c\uacfc \uac19\uc740 \ud2b9\uc9d5\uc744 \ubcf4\uc785\ub2c8\ub2e4:<\/p>\n
                    \n
                  • \uc740\ud589 \ubcf4\uae09\ub960\uc740 67%\uc5d0 \ub2ec\ud569\ub2c8\ub2e4.<\/strong>\ub85c \uc804\uad6d \ud3c9\uade0\uc744 \ud6e8\uc52c \uc0c1\ud68c\ud569\ub2c8\ub2e4.<\/li>\n
                  • \uc804\uc790 \uc9c0\uac11 \uc0ac\uc6a9\ub960<\/strong>GCash\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc740 581 TP3T, Maya\ub294 321 TP3T\uc785\ub2c8\ub2e4.<\/li>\n
                  • \uc8fc\uc694 \uc7a5\uba74<\/strong>::\n
                      \n
                    • \ub300\ud615 \uc1fc\ud551\ubab0\uc740 \uc77c\ubc18\uc801\uc73c\ub85c NFC \uc13c\uc11c \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud569\ub2c8\ub2e4(\uc608: SM\ubab0\uc758 \ud0ed\ud22c\ud398\uc774).<\/li>\n
                    • \uc9c0\ud504\ub2c8 \ub300\uc911\uad50\ud1b5 \uc2dc\uc2a4\ud15c, \ube44\ud504 \uce74\ub4dc\uc640 GCash\ub85c \ub4c0\uc5bc \ubaa8\ub4dc \uacb0\uc81c \uc2dc\ubc94 \uc6b4\uc601<\/li>\n
                    • \ub300\ud559 \ucea0\ud37c\uc2a4 \ub0b4 \ud604\uae08 \uc5c6\ub294 \uacb0\uc81c \uc804\uba74 \uc2dc\ud589(\ub79c\ub4dc\ubc45\ud06c \ud398\uc18c\ub137\uc744 \uc774\uc6a9\ud55c UP \uc2dc\uc2a4\ud15c)<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                      \ube44\uc0ac\uc57c \uc0c1\ud0dc<\/h3>\n
                      \uc911\uc559 \uc12c \uadf8\ub8f9\uc740 \uad00\uad11\uc5c5\uc758 \uc601\ud5a5\uc744 \ub9ce\uc774 \ubc1b\uc2b5\ub2c8\ub2e4:<\/p>\n
                        \n
                      • \uac00\uc7a5 \ubc00\uc9d1\ub41c \uc678\ud654 \ud658\uc804\uc18c<\/strong>:: \uc138\ubd80\uc2dc \ud3c9\ubc29 \ud0ac\ub85c\ubbf8\ud130\ub2f9 3.2\uacf3\uc758 \ud658\uc804\uc18c<\/li>\n
                      • \uc8fc\ub958 \uc120\ubd88 \uce74\ub4dc<\/strong>: \uc5ec\ud589\uc790 SIM \ubc88\ub4e4\uc6a9 PayMaya \ube44\uc790 \uac00\uc0c1 \uce74\ub4dc \ubcf4\uae09\ub960 41% \ub2ec\uc131<\/li>\n
                      • \uace0\uc720 \ubaa8\ub378<\/strong>::\n
                          \n
                        1. \ubcf4\ub77c\uce74\uc774\uc640 \uac19\uc740 \uad00\uad11 \uc12c\uc5d0\uc11c\ub294 USDT\uc640 \uac19\uc740 \uc548\uc815\uc801\uc778 \ud1b5\ud654\ub85c \uacb0\uc81c\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4(Coins.ph\ub97c \ud1b5\ud574 \ud658\uc804).<\/li>\n
                        2. 22:00\uae4c\uc9c0 OTC \ub300\ub9ac\uc810 \ud3ec\uc778\ud2b8 \uc57c\uac04 \uc11c\ube44\uc2a4(\ud734\uc77c \uc18c\ube44 \uc2dc\uac04\uc5d0 \ub9de\ucdb0 \uc870\uc815)<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n
                          \ubbfc\ub2e4\ub098\uc624 \ud2b9\ubcc4 \ud504\ub85c\uadf8\ub7a8(\ubbfc\ub2e4\ub098\uc624)<\/h3>\n
                          \ubcf4\uc548 \uc0c1\ud669\uc5d0 \uc601\ud5a5\uc744 \ubc1b\ub294 \ud601\uc2e0\uc801\uc778 \uad00\ud589:<\/p>\n
                            \n
                          • \uc624\ud504\ub77c\uc778 \uc0c1\ub2f4\uc6d0 \ub124\ud2b8\uc6cc\ud06c<\/strong>: \ud314\ub77c\uc644 \uc804\ub2f9\ud3ec, \ubb34\uc7a5 \ud638\uc704\ub97c \uc704\ud55c \ud604\uae08 \ubb3c\ub958 \uc2dc\uc2a4\ud15c \uad6c\ucd95
                            \n\u25b6\ufe0f, \ub9e4\uc77c \ud3c9\uade0 2\ucc9c\ub9cc \ud398\uc18c \uc1a1\uae08 \ucc98\ub9ac
                            \n\u25b6\ufe0f \uc218\uc218\ub8cc\ub294 \uae30\uc874 \uc740\ud589\ubcf4\ub2e4 60% \ub0ae\uc2b5\ub2c8\ub2e4(\uace0\uc815 15\u20b1\/\ud39c).<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
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