{"id":3319,"date":"2025-06-12T08:41:08","date_gmt":"2025-06-12T00:41:08","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3319"},"modified":"2025-06-12T08:41:08","modified_gmt":"2025-06-12T00:41:08","slug":"%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%8e%a8%e8%8d%90%e4%b8%8e%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/12\/%e8%b6%8a%e5%8d%97%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%8e%a8%e8%8d%90%e4%b8%8e%e5%af%b9%e6%af%94\/","title":{"rendered":"\ubca0\ud2b8\ub0a8 \ud604\uc9c0 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ucd94\ucc9c \ubc0f \ube44\uad50"},"content":{"rendered":"<h1>\ubca0\ud2b8\ub0a8 \ud604\uc9c0 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uad8c\uc7a5 \uc0ac\ud56d \ubc0f \ube44\uad50: 2023\ub144\uae4c\uc9c0 \uac00\uc7a5 \ud3ec\uad04\uc801\uc778 \uac00\uc774\ub4dc<\/h1>\n<h2>\uc18c\uac1c: \ubca0\ud2b8\ub0a8 \ud604\uc9c0 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\uc5d0 \ub300\ud574 \uc54c\uc544\uc57c \ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h2>\n<p>\uc624\ub298\ub0a0 \ub514\uc9c0\ud138 \uacbd\uc81c\uac00 \uae09\uc131\uc7a5\ud558\uba74\uc11c \ubca0\ud2b8\ub0a8\uc740 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \uc720\ub9dd\ud55c \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uc911 \ud558\ub098\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \uc2a4\ub9c8\ud2b8\ud3f0 \ubcf4\uae09\ub960\uc774 \uacc4\uc18d \uc99d\uac00\ud558\uace0 \uc778\ud130\ub137 \uc778\ud504\ub77c\uac00 \uc9c0\uc18d\uc801\uc73c\ub85c \uac1c\uc120\ub428\uc5d0 \ub530\ub77c \uc810\uc810 \ub354 \ub9ce\uc740 \uc18c\ube44\uc790\uac00 \uc628\ub77c\uc778 \uc1fc\ud551\uacfc \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4\ub97c \uc120\ud0dd\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ud558\uc9c0\ub9cc \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc774 \uc2dc\uc7a5\uc5d0 \uc131\uacf5\uc801\uc73c\ub85c \uc9c4\ucd9c\ud558\ub824\uba74 \uae30\uc5c5\uc740 \ud604\uc9c0 \uacb0\uc81c \uc2b5\uad00\uc744 \uc774\ud574\ud558\uace0 \uc774\uc5d0 \uc801\uc751\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ubca0\ud2b8\ub0a8\uc758 \uc2e0\uc6a9\uce74\ub4dc \ubcf4\uae09\ub960\uc740 \uc0c1\ub300\uc801\uc73c\ub85c \ub0ae\uace0(~5~101%), \ud604\uae08 \uac70\ub798\uac00 \uc5ec\uc804\ud788 \uc8fc\ub958\ub97c \uc774\ub8e8\uace0 \uc788\uc2b5\ub2c8\ub2e4. \uc774\ub7ec\ud55c \ub3c5\ud2b9\ud55c \uacb0\uc81c \ud658\uacbd\uc740 \ub2e4\uc591\ud558\uace0 \ud601\uc2e0\uc801\uc778 \ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc194\ub8e8\uc158\uc744 \ud0c4\uc0dd\uc2dc\ucf30\uc2b5\ub2c8\ub2e4. \uc774 \ubb38\uc11c\uc5d0\uc11c\ub294 \ubca0\ud2b8\ub0a8\uc758 \uc8fc\uc694 \ud604\uc9c0 \uc804\uc790\uacb0\uc81c \ub300\ud589\uc0ac\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d\uc744 \uc81c\uacf5\ud558\uc5ec \ube44\uc988\ub2c8\uc2a4\uc5d0 \uac00\uc7a5 \uc801\ud569\ud55c \ud30c\ud2b8\ub108\ub97c \uc120\ud0dd\ud558\ub294 \ub370 \ub3c4\uc6c0\uc744 \ub4dc\ub9bd\ub2c8\ub2e4.<\/p>\n<h2>I. \ubca0\ud2b8\ub0a8\uc758 \uc8fc\uc694 \ud604\uc9c0 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uac1c\uc694<\/h2>\n<h3>1. MoMo \uc804\uc790\uc9c0\uac11<\/h3>\n<p>\ubca0\ud2b8\ub0a8\uc758 \uc120\ub3c4\uc801\uc778 \ubaa8\ubc14\uc77c \uc9c0\uac11 \ud50c\ub7ab\ud3fc\uc778 MoMo\ub294 3\ucc9c\ub9cc \uba85 \uc774\uc0c1\uc758 \uc0ac\uc6a9\uc790\uc640 \uad11\ubc94\uc704\ud55c \uac00\ub9f9\uc810 \ub124\ud2b8\uc6cc\ud06c\ub97c \ubcf4\uc720\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4. \ub2e4\uc591\ud55c \ucda9\uc804 \ubc29\ubc95\uc744 \uc9c0\uc6d0\ud569\ub2c8\ub2e4:<\/p>\n<ul>\n<li>\uc740\ud589 \uc1a1\uae08<\/li>\n<li>ATM \uc785\uae08<\/li>\n<li>\ud3b8\uc758\uc810 \ud604\uae08 \ucda9\uc804<\/li>\n<li>QR\ucf54\ub4dc \uacb0\uc81c<\/li>\n<\/ul>\n<p><strong>\ucd5c\ucca8\ub2e8<\/strong>::<br \/>\n- \ub300\uaddc\ubaa8\uc758 \ud65c\ubc1c\ud55c \uc0ac\uc6a9\uc790 \uae30\ubc18<br \/>\n- O2O(\uc628\ub77c\uc778\uc5d0\uc11c \uc624\ud504\ub77c\uc778\uc73c\ub85c) \uc2dc\ub098\ub9ac\uc624\ub294 \ubaa8\ub4e0 \uc8fc\uc81c\ub97c \ub2e4\ub8f9\ub2c8\ub2e4.<br \/>\n- \uc27d\uace0 \ube60\ub978 API \ud1b5\ud569<\/p>\n<h3>2. ZaloPay \uc804\uc790 \uc9c0\uac11<\/h3>\n<p>VNG \uadf8\ub8f9\uc774 \uac1c\ubc1c\ud55c ZaloPay\ub294 \uad6d\ubbfc \uc18c\uc15c \uc571 Zalo\uc758 \uc0ac\uc6a9\uc790 \uae30\ubc18\uc744 \ube60\ub974\uac8c \ud655\uc7a5\ud558\uace0 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p><strong>\ud575\uc2ec \uae30\ub2a5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4.<\/strong>::<br \/>\n\ud3b8\ub9ac\ud558\uace0 \ud6a8\uc728\uc801\uc778 P2P \uc804\uc1a1 \uc11c\ube44\uc2a4<br \/>\n\uc6d0\ud65c\ud55c QR\ucf54\ub4dc \uc2a4\uce94 \uacb0\uc81c \uacbd\ud5d8<br \/>\n\ube60\ub978 \uc751\ub2f5\uc744 \uc81c\uacf5\ud558\ub294 \ub77c\uc774\ud2b8\ub2dd \ucda9\uc804 \uae30\ub2a5<\/p>\n<p>\ud2b9\ud788 \ud0c0\uac9f \uace0\uac1d\uc774 \uc80a\uc740 \ube44\uc988\ub2c8\uc2a4\uc5d0 \uc774 \uc635\uc158\uc744 \uace0\ub824\ud558\ub294 \uac83\uc774 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<h3>3. Viettel Pay \ud1b5\uc2e0 \uc0ac\uc5c5\uc790 \uc194\ub8e8\uc158<\/h3>\n<p>\uad70\uc758 \uc9c0\uc6d0\uc744 \ubc1b\ub294 \uac70\ub300 \ud1b5\uc2e0\uc0ac\uc778 Viettel\uc740 \uc774 \uc81c\ud488\uc744 \ucd9c\uc2dc\ud558\ub294 \ub370 \uc788\uc5b4 \ub3c5\ud2b9\ud55c \uc774\uc810\uc744 \uac00\uc9c0\uace0 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\ub9e4\uc6b0 \ub192\uc740 \ucee4\ubc84\ub9ac\uc9c0<\/strong> -\ubaa8\ud68c\uc0ac\uc758 \uae30\uc9c0\uad6d \ub124\ud2b8\uc6cc\ud06c\ub97c \ud1b5\ud574 \uc678\ub534 \uc9c0\uc5ed\uc5d0 \ub3c4\ub2ec\ud558\uae30<\/li>\n<li><strong>\uc740\ud589 \uacc4\uc88c \uc5c6\uc774 \uc0ac\uc6a9 \uac00\ub2a5<\/strong> -\uc0ac\uc6a9 \ubb38\ud131\uc744 \ub0ae\ucdb0 \uc7a0\uc7ac \uace0\uac1d \ud655\ub300<\/li>\n<li><strong>\uc804\ud654 \uc694\uae08 \ud1b5\ud569 \uccad\uad6c\uc11c \uacb0\uc81c \uc2dc\uc2a4\ud15c<\/strong><\/li>\n<\/ul>\n<p>\ud2b9\ud788 \uc9c0\ubc29 \uc2dc\uc7a5\uc774\ub098 \uc800\uc18c\ub4dd\uce35\uc744 \ub300\uc0c1\uc73c\ub85c \ud558\ub294 \uc81c\ud488\uc758 \uacbd\uc6b0 \ub354\uc6b1 \uadf8\ub807\uc2b5\ub2c8\ub2e4.<\/p>\n<h2>[\ud45c 1] 3\ub300 \uc804\uc790\uc9c0\uac11\uc758 \uae30\uc220 \uc9c0\ud45c \ub098\ub780\ud788 \ube44\uad50<\/h2>\n<table>\n<thead>\n<tr>\n<th>\ub9e4\uac1c\ubcc0\uc218<\/th>\n<th>MoMo<\/th>\n<th>ZaloPay<\/th>\n<th>\ube44\uc5e3\ud154 \ud398\uc774<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ub4f1\ub85d\ub41c \uc0ac\uc6a9\uc790 \uc218<\/td>\n<td>&gt;30M<\/td>\n<td>~20M<\/td>\n<td>~15M<\/td>\n<\/tr>\n<tr>\n<td>\uc218\uc218\ub8cc\uc728<\/td>\n<td>0.8%-1.5%<\/td>\n<td>0.5%-1.2%<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<tr>\n<td>API \uc751\ub2f5 \uc2dc\uac04<\/td>\n<td>&lt;500ms<\/td>\n<td>&gt;700ms<\/td>\n<td>&gt;800ms<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>2023\ub144 2\ubd84\uae30 \uae30\uc900 \ub370\uc774\ud130<\/em><\/p>\n<p>II. \uc740\ud589 \uc9c1\uc811 \uc5f0\uacb0 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/p>\n<p>\uc804\uc790 \uc9c0\uac11 \uc678\uc5d0\ub3c4 \ud604\uc9c0 \uc740\ud589 \uc2dc\uc2a4\ud15c\uc5d0 \uc9c1\uc811 \uc561\uc138\uc2a4\ud558\ub294 \uac83\ub3c4 \uc911\uc694\ud55c \uc635\uc158\uc785\ub2c8\ub2e4.<\/p>\n<h3>- \ub098\ud30c\uc2a4 \uad6d\uac00 \uc815\uc0b0 \uc2dc\uc2a4\ud15c<\/h3>\n<p>\uc911\uad6d\uc758 \uc720\ub2c8\uc628\ud398\uc774\uc5d0 \ud574\ub2f9\ud558\ub294 \uc774 \uc11c\ube44\uc2a4\ub294 \uc911\uad6d\uc758 \ubaa8\ub4e0 \uc8fc\uc694 \uae08\uc735 \uae30\uad00\uc744 \uc5f0\uacb0\ud569\ub2c8\ub2e4.<br \/>\n\u219245\uac1c \ud68c\uc6d0 \uc740\ud589\uc758 \uce74\ub4dc \uc885\ub958 \uc9c0\uc6d0 \u2192200TPS \uc774\uc0c1\uc758 \ucc98\ub9ac \uc6a9\ub7c9 \u2192\uad6d\uacbd \uac04 \ube44\uc988\ub2c8\uc2a4 \ud655\uc7a5 \uc911<\/p>\n<p>\ud575\uc2ec\uc740 \uc77c\ubc18\uc801\uc73c\ub85c \uccad\uc0b0 \uc8fc\uae30\uac00 \uc601\uc5c5\uc77c \uae30\uc900 T+1\uc77c\uc774\ub77c\ub294 \uc810\uc785\ub2c8\ub2e4.<\/p>\n<h3>- VNPT Pay \uc815\ubd80 \ubc30\uacbd \ud504\ub85c\uc81d\ud2b8<\/h3>\n<p>\ud2b9\uc9d5<br \/>\n\uacf5\uacf5 \ubcd1\uc6d0\/\ud559\uad50 \uacb0\uc81c \uc2dc\ub098\ub9ac\uc624\uc758 \ub3c5\uc810 \u25c7\uacf5\ubb34\uc6d0 \uadf8\ub8f9\uc758 \ub192\uc740 \ubcf4\uae09\ub960 \u25c7\uc5c4\uaca9\ud55c \ubcf4\uc548 \uae30\uc900<\/p>\n<p>\uadf8\ub7ec\ub098 \uc2b9\uc778 \uc808\ucc28\ub294 \ube44\uad50\uc801 \ubcf5\uc7a1\ud558\uace0 \uc2dc\uac04\uc774 \ub9ce\uc774 \uc18c\uc694\ub429\ub2c8\ub2e4(\uc57d 4\uc8fc).<\/p>\n<p>\ube44\uc988\ub2c8\uc2a4 \uc720\ud615\uc5d0 \ub530\ub77c \uac00\uc7a5 \uc801\ud569\ud55c \ud504\ub85c\uadf8\ub7a8\uc744 \uc120\ud0dd\ud558\ub294 \ubc29\ubc95\uc740 \ubb34\uc5c7\uc778\uac00\uc694?<\/p>\n<p>\uc0b0\uc5c5\ub9c8\ub2e4 \ub2e4\ub978 \ucc28\uc6d0\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdb0\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>A)<strong>\ud06c\ub85c\uc2a4\ubcf4\ub354 \uc774\ucee4\uba38\uc2a4 \uc81c\uc548 \ud3ec\ud2b8\ud3f4\ub9ac\uc624 \uc804\ub7b5<\/strong>:<br \/>\n85%+ \uc7a0\uc7ac \uace0\uac1d\uc744 \ucee4\ubc84\ud558\uae30 \uc704\ud574 Napas + \ud558\ub098 \uc774\uc0c1\uc758 \uc8fc\uc694 \uc804\uc790\uc9c0\uac11(MoMo \uc120\ud638)\uc744 \uc120\ud638\ud569\ub2c8\ub2e4.<\/p>\n<p>B)<strong>SaaS \uad6c\ub3c5 \uae30\ubc18 \uc11c\ube44\uc2a4 \ucc38\uace0 \uc0ac\ud56d<\/strong>:<br \/>\n\uc815\uae30 \uc778\ucd9c\uc758 \uc131\uacf5\ub960\uc5d0 \ud2b9\ubcc4\ud55c \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud558\uba70, ZaloPay\ub294 \uc774 \ud14c\uc2a4\ud2b8\uc5d0\uc11c 92%\uc758 \ucd5c\uace0\uc758 \uc131\ub2a5\uc744 \ubcf4\uc600\uc2b5\ub2c8\ub2e4.<\/p>\n<p>C)<strong>\uac8c\uc784 \ubc0f \uc5d4\ud130\ud14c\uc778\uba3c\ud2b8 \uc5c5\uacc4 \ud2b8\ub9ad<\/strong>:<br \/>\nViettel Pay\uc758 \uc9c0\ubd88 \uac70\uc808 \uae30\ub2a5\uc740 \ubbf8\uc131\ub144\uc790 \uacb0\uc81c \ubb38\uc81c\ub97c \ud6a8\uacfc\uc801\uc73c\ub85c \ud574\uacb0\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n<p>D)<strong>\ub2e8\uc704\ub2f9 \uac00\uaca9\uc774 \ub192\uc740 \uc9c0\uc5ed\uc5d0 \ub300\ud55c \uacbd\uace0<\/strong>:<br \/>\n\ub2e8\uc77c \uac70\ub798\uac00 2,000\ub9cc VND(\uc57d 850\ub2ec\ub7ec)\ub97c \ucd08\uacfc\ud558\ub294 \uacbd\uc6b0 \uc0ac\uae30 \uc704\ud5d8\uc744 \ubc29\uc9c0\ud558\uae30 \uc704\ud574 OTP \uc778\uc99d \ub2e8\uacc4\ub97c \uc758\ubb34\uc801\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>IV. \uae30\uc220 \ub3c4\ud0b9\uc744 \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \uad8c\uc7a5 \uc0ac\ud56d<\/p>\n<p>\uc5b4\ub5a4 \uc194\ub8e8\uc158\uc744 \uc120\ud0dd\ud558\ub4e0 \ub2e4\uc74c \uad6c\ud604 \uc138\ubd80 \uc0ac\ud56d\uc5d0 \uc8fc\uc758\ub97c \uae30\uc6b8\uc5ec\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>\ucd5c\uc18c 72\uc2dc\uac04 \ub3d9\uc548 \uc0cc\ub4dc\ubc15\uc2a4 \ud658\uacbd \ud14c\uc2a4\ud2b8 \uc644\ub8cc<br \/>\n\uc2e4\ud328\ud55c \uac70\ub798\uc5d0 \ub300\ud55c \uc790\ub3d9 \uc7ac\uc2dc\ub3c4 \uba54\ucee4\ub2c8\uc998\uc740 \ud544\uc218\uc785\ub2c8\ub2e4(\uad8c\uc7a5 \uac04\uaca9\uc73c\ub85c 3\ud68c \uc2dc\ub3c4).<br \/>\n\uc870\uc815 \ud30c\uc77c \ud0c0\uc774\ubc0d \uc218\uc9d1 \ud504\ub85c\uadf8\ub7a8\uc774 \uc548\uc815\uc801\uc73c\ub85c \uc2e4\ud589\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4(UTC+7 \uc2dc\uac04\ub300 \uae30\uc900 \uc624\uc804 4\uc2dc\uc5d0 \uc2e4\ud589\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4).<\/p>\n<p>\ucd5c\ub300 48\uc2dc\uac04\uae4c\uc9c0 \uc9c0\uc18d\ub420 \uc218 \uc788\ub294 \ubca0\ud2b8\ub0a8\uc758 '\ubcf4\ub958 \uc911\uc778 \uac70\ub798' \ucc98\ub9ac\uc5d0 \ub300\ud55c \ud2b9\ubcc4 \uc0ac\ub840 \uacc4\ud68d\uc5d0 \ud2b9\ud788 \uc720\uc758\ud558\uc138\uc694.<\/p>\n<p>V. \uc694\uae08 \uad6c\uc870 \ubc0f \ube44\uc6a9 \ucd5c\uc801\ud654 \uae30\ubc95<\/p>\n<p>\ub354 \uc720\ub9ac\ud55c \uc870\uac74\uc744 \ud611\uc0c1\ud560 \uc218 \uc788\ub294 \uc138 \uac00\uc9c0 \uc218\ub2e8.<\/p>\n<p>\uc6d4 \uc2a4\ud2b8\ub9ac\ubc0d \uc57d\uc815 \ub2e8\uacc4 \ub9ac\ubca0\uc774\ud2b8 \uc815\ucc45(\uc608: 5\ub9cc\uc6d0 \ucd08\uacfc \uc2dc 0.15% \uc77c\ubd80 \uac10\uba74)<br \/>\n\uc5f0\uac04 \uc57d\uc815 \uc120\ubd88 \ud560\uc778 \ubaa8\ub4dc(\uc77c\ubc18\uc801\uc73c\ub85c 60% \ud560\uc778)<br \/>\n\ud328\ud0a4\uc9c0 \uac00\uaca9\uc73c\ub85c \ub2e4\ub978 \uc11c\ube44\uc2a4 \uad50\ucc28 \ud310\ub9e4\ud558\uae30<\/p>\n<p>VI. \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d \ubaa9\ub85d<\/p>\n<p>\uc644\ub8cc\ud574\uc57c \ud558\ub294 \uaddc\uc81c \uc11c\ub958\uc5d0\ub294 \ub2e4\uc74c\uc774 \ud3ec\ud568\ub418\uc9c0\ub9cc \uc774\uc5d0 \uad6d\ud55c\ub418\uc9c0\ub294 \uc54a\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\u2611\ufe0f \uad6d\ub9bd\uc740\ud589 \ud658\uc804 \uad00\ub9ac \uc591\uc2dd NKH01 \ubc84\uc804 2023<br \/>\n\u2611\ufe0f \uc815\ubcf4 \uae30\ubc00 \uc720\uc9c0 \ub3d9\uc758\uc11c \uacf5\uc99d \uc0ac\ubcf8(\ubca0\ud2b8\ub0a8\uc5b4-\uc601\uc5b4 \uc774\uc911 \uc5b8\uc5b4)<br \/>\n\u2611\ufe0fPCI DSS \ub808\ubca8 4 \uc774\uc0c1\uc758 \uc778\uc99d\ub41c \uc778\uc99d\uc11c \uc0ac\ubcf8<\/p>\n<p>VII. \uc55e\uc73c\ub85c\uc758 \ubbf8\ub798 \ud2b8\ub80c\ub4dc<\/p>\n<p>\uc8fc\ubaa9\ud574\uc57c \ud560 \uc138 \uac00\uc9c0 \uac1c\ubc1c \uc0ac\ud56d.<\/p>\n<p>\u27a4 \uad6d\uacbd \uac04 \uacb0\uc81c\uc5d0 \ube14\ub85d\uccb4\uc778 \uae30\uc220 \uc2dc\ubc94 \uc801\uc6a9(\ubc45\ud06c \uc624\ube0c \ud638\ud504\uac00 \uc2e4\ud5d8\uc744 \uc2dc\uc791\ud568 )<br \/>\n\uc0dd\uccb4\uc778\uc99d \uacb0\uc81c \uaddc\uc81c \ud601\uc2e0(\ud604\uc7ac \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud558\ub294 \uad6d\ub0b4 \uae30\uc5c5\uc5d0 \ud55c\uc815) \u27a4 \uc0dd\uccb4\uc778\uc99d \uacb0\uc81c \uaddc\uc81c \ud601\uc2e0<br \/>\n\uc288\ud37c \uc571\uc5d0 \ub0b4\uc7a5\ub41c \uae08\uc735 \uc11c\ube44\uc2a4 \ud1b5\ud569\uc758 \ubb3c\uacb0(Grab\uacfc Moca\uc758 \ud1b5\ud569\uc740 \ub192\uc740 \uac00\uce58\ub97c \uc9c0\ub2cc \uc0ac\ub840 \uc5f0\uad6c)<\/p>\n<p>\uacb0\ub860: \ud589\ub3d9 \uc9c0\uce68<\/p>\n<p>\uc989\uc2dc \uad6c\ud604\ud560 \uc218 \uc788\ub294 \uc6b0\uc120 \uc21c\uc704 \uad8c\uc7a5 \uc0ac\ud56d\uc785\ub2c8\ub2e4:<\/p>\n<p>[\uae34\uae09] NAPAS \ud310\ub9e4\uc790 \uc0ac\uc804 \uc801\uaca9 \uacc4\uc815 \ub4f1\ub85d(\ubb34\ub8cc\uc774\uc9c0\ub9cc \ub9ac\ub4dc \ud0c0\uc784\uc774 \uae38\uc5b4\uc9d0)<br \/>\n[\uc911\uc694] \ucd5c\uc18c \ub450 \uacf3 \uc774\uc0c1\uc758 \ud6c4\ubcf4 \uacf5\uae09\uc5c5\uccb4\uc5d0 \ubb38\uc758\ud558\uc5ec \ucd5c\uc2e0 \uc778\ud130\ud398\uc774\uc2a4 \uc124\uba85\uc11c\ub97c \ud655\uc778\ud558\uc138\uc694.<br \/>\n[\uc815\uae30] \ubc95\ubb34\ud300\uc774 \ud45c\uc900 \uacc4\uc57d\uc11c\uc758 \ucc45\uc784 \uc81c\ud55c \uc870\ud56d\uc744 \uac80\ud1a0\ud560 \uc218 \uc788\ub3c4\ub85d \uc870\uce58<\/p>\n<p>\uc774 \uae00\uc758 \uccb4\uacc4\uc801\uc778 \ubd84\uc11d\uc744 \ud1b5\ud574 \ub2e4\uc591\ud55c \uc635\uc158\uc744 \ud3c9\uac00\ud558\ub294 \uae30\ubcf8 \ubc29\ubc95\ub860\uc744 \uc774\ubbf8 \uc774\ud574\ud558\uc168\uc73c\ub9ac\ub77c \ubbff\uc2b5\ub2c8\ub2e4. \uc2e4\uc9c8\uc801\uc778 \uacb0\uc815\uc744 \ub0b4\ub9b4 \ub54c\ub294 \ube44\uc988\ub2c8\uc2a4\uc758 \uad6c\uccb4\uc801\uc778 \uc694\uad6c \uc0ac\ud56d\uc5d0 \ub9de\uac8c \ub9de\ucda4\ud654\ud558\uace0, \ud544\uc694\ud55c \uacbd\uc6b0 \uc804\ubb38 \ucee8\uc124\ud134\ud2b8\uc640 \uc0c1\ub2f4\ud558\uc5ec \uad6c\uccb4\uc801\uc778 \uc870\uc5b8\uc744 \uad6c\ud558\uc2dc\uae30 \ubc14\ub78d\ub2c8\ub2e4.<\/p>\n<p>\ubd80\ub85d \ub9ac\uc18c\uc2a4.<br \/>\n- \ubca0\ud2b8\ub0a8 \uc774\ucee4\uba38\uc2a4 \ubc31\uc11c 2023 \ub2e4\uc6b4\ub85c\ub4dc \ub9c1\ud06c<br \/>\n- SBV \ucd5c\uc2e0 \uaddc\uc81c \uc815\ucc45 \ud574\uc11d \ub3d9\uc601\uc0c1 \uac15\uc88c<br \/>\n- API \uc131\ub2a5 \ubca4\uce58\ub9c8\ud0b9 \ud234\ud0b7 GitHub \ub9ac\ud3ec\uc9c0\ud1a0\ub9ac<\/p>\n<h2>\ubca0\ud2b8\ub0a8 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uc2dc\uc7a5 \uc2ec\uce35 \ubd84\uc11d: \uc0c8\ub85c\uc6b4 \uc194\ub8e8\uc158 \ubc0f \uc5c5\uacc4 \ub3d9\ud5a5<\/h2>\n<h3>IV. \uc0c8\ub85c\uc6b4 \uacb0\uc81c \uc194\ub8e8\uc158\uc758 \ubd80\uc0c1<\/h3>\n<h4>\uc1fc\ud53c\ud398\uc774\uc758 \uc774\ucee4\uba38\uc2a4 \uc0dd\ud0dc\uacc4 \uc7a5\uc810 1.<\/h4>\n<p>Shopee \ud50c\ub7ab\ud3fc\uc758 \uc5c4\uccad\ub09c \ud2b8\ub798\ud53d\uc5d0 \uc758\uc874\ud558\ub294 ShopeePay\ub294 \ub3c5\ubcf4\uc801\uc778 \uacbd\uc7c1\ub825\uc744 \ubcf4\uc5ec\uc90d\ub2c8\ub2e4:<\/p>\n<ul>\n<li><strong>\uc6d0\ud65c\ud55c \uc1fc\ud551 \uacbd\ud5d8<\/strong>\ud50c\ub7ab\ud3fc \ub0b4 \uacb0\uc81c \uc804\ud658\uc728 \uc99d\uac00 40%<\/li>\n<li><strong>\ub9c8\ucf00\ud305 \uc5f0\uacc4 \ud6a8\uacfc<\/strong>\ud50c\ub7ab\ud3fc \ud504\ub85c\ubaa8\uc158\uacfc \uae34\ubc00\ud558\uac8c \uc5f0\uacb0\ub420 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<li><strong>\uad6d\uacbd \uac04 \uc9c0\uc6d0 \uc5ed\ub7c9<\/strong>\uc774\uc81c \uc2f1\uac00\ud3ec\ub974, \ub9d0\ub808\uc774\uc2dc\uc544, \ud0dc\uad6d \uac04\uc758 \uc9c0\uac11 \uc0c1\ud638 \uc6b4\uc6a9\uc131\uc744 \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/li>\n<\/ul>\n<p>\ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 3\ubd84\uae30 \uc131\uc7a5\ub960\uc740 75%\ub85c, \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \uc804\uc790\uc9c0\uac11\uc73c\ub85c \uae30\ub85d\ub418\uc5c8\uc2b5\ub2c8\ub2e4.<\/p>\n<h4>2. GrabPay\uc758 \uc288\ud37c \uc571 \uc804\ub7b5<\/h4>\n<p>\uc5ec\ud589 \ub300\uae30\uc5c5\uc778 \uadf8\ub7a9\uc758 \uae08\uc735 \ubd80\ubb38\uc73c\ub85c\uc11c \ub2e4\uc74c\uacfc \uac19\uc740 \uae30\ub2a5\uc744 \uc81c\uacf5\ud569\ub2c8\ub2e4:<br \/>\n\u2192\ub77c\uc774\ub4dc \ud3ec\uc778\ud2b8\ub294 \uad6c\ub9e4\uc5d0 \ub300\ud574 \uc9c1\uc811 \uc801\ub9bd\ub429\ub2c8\ub2e4.<br \/>\n\u2192 \uc6b4\uc804\uc790 \ub124\ud2b8\uc6cc\ud06c\uac00 \uc624\ud504\ub77c\uc778 \uc11c\ube44\uc2a4 \uc9c0\uc810\uc774 \ub429\ub2c8\ub2e4.<br \/>\n\u2192 \ucf00\uc774\ud130\ub9c1 \ud14c\uc774\ud06c\uc544\uc6c3 \uc2dc\ub098\ub9ac\uc624\ub97c \uc704\ud55c \ub3c5\uc810 \ud61c\ud0dd<\/p>\n<p>\ud2b9\ud788 O2O \uc11c\ube44\uc2a4 \ube44\uc988\ub2c8\uc2a4\uc5d0\uc11c \ub3c4\uc785\ud558\uae30\uc5d0 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<h3>[\ud45c 2] \uc2e0\ud765 \uacb0\uc81c \uc218\ub2e8\uacfc \uae30\uc874 \uacb0\uc81c \uc218\ub2e8\uc758 \uc131\ub2a5 \ube44\uad50<\/h3>\n<table>\n<thead>\n<tr>\n<th>\ud3c9\uac00 \ucc28\uc6d0<\/th>\n<th>\uae30\uc874 \uc740\ud589 \uc1a1\uae08<\/th>\n<th>\ubaa8\ubaa8\/\uc798\ub85c\ud398\uc774<\/th>\n<th>ShopeePay<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud3c9\uade0 \ucc98\ub9ac \uc18d\ub3c4<\/td>\n<td>\uc601\uc5c5\uc77c \uae30\uc900 3~5\uc77c<\/td>\n<td>(\uc790\uae08\uc758) \uc2e4\uc2dc\uac04 \uc804\ub2ec<\/td>\n<td>\uc989\uc2dc \uc644\ub8cc<\/td>\n<\/tr>\n<tr>\n<td>\uc80a\uc740 \uc0ac\uc6a9\uc790 \ube44\uc728<\/td>\n<td>&lt;35%<\/td>\n<td>&gt;68%<\/td>\n<td>&gt;82%<\/td>\n<\/tr>\n<tr>\n<td>\ud310\ub9e4\uc790 \uc561\uc138\uc2a4 \ube44\uc6a9<\/td>\n<td>\uadc0\ud558\uc758(\uacbd\uce6d)<\/td>\n<td>\ubcf4\ud1b5<\/td>\n<td>\uc544\ub798(\uba38\ub9ac)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\ucd9c\ucc98: 2023 \ubca0\ud2b8\ub0a8 \ub514\uc9c0\ud138 \uacb0\uc81c \uc5f0\ub840 \ubcf4\uace0\uc11c<\/em><\/p>\n<h2>V. \uc0b0\uc5c5 \uc218\uc9c1\ud654 \uc194\ub8e8\uc158<\/h2>\n<h3>- B2B \ub300\ub7c9 \uac70\ub798 \uc804\uc6a9 \ucc44\ub110<\/h3>\n<p>\ube44\uc988\ub2c8\uc2a4 \uace0\uac1d\uc758 \ud2b9\uc815 \uc694\uad6c \uc0ac\ud56d\uc744 \ucda9\uc871\ud569\ub2c8\ub2e4:<br \/>\n500\uc5b5 VND \uc774\uc0c1\uc758 \ub2e8\uc77c \uac70\ub798 \uc9c0\uc6d0<br \/>\n\ud560\ubd80 \uc635\uc158 \uc81c\uacf5(\ucd5c\ub300 12\ud68c \ud560\ubd80)<br \/>\n\ubd80\uac00\uc138 \uc1a1\uc7a5 \uc790\ub3d9 \ub9e4\uce6d \uae30\ub2a5<\/p>\n<p>\ub300\ud45c \uacf5\uae09\uc5c5\uccb4: VPBank\uc758 \uae30\uc5c5 \uacb0\uc81c \ud5c8\ube0c.<\/p>\n<h3>- \uad50\uc721 \ubd80\ubb38\uc744 \uc704\ud55c \ub9de\ucda4\ud615 \ud504\ub85c\uadf8\ub7a8<\/h3>\n<p>\uc77c\ubc18\uc801\uc778 \uae30\ub2a5\uc740 \ub2e4\uc74c\uacfc \uac19\uc2b5\ub2c8\ub2e4:<br \/>\n\uc218\uc5c5\ub8cc \ud560\ubd80(6\/9\/12\uac1c\uc6d4 \uc774\uc6a9 \uac00\ub2a5)<br \/>\n\ubd80\ubaa8 \uacb0\uc81c \uae30\ub2a5 \uc124\uc815 \uc720\uc5f0\ud55c \uad8c\ud55c \uc81c\uc5b4 \uae30\ub2a5<br \/>\n\ud559\uad50 \uad00\ub9ac \uc2dc\uc2a4\ud15c API\uc640\uc758 \uae34\ubc00\ud55c \ud1b5\ud569<\/p>\n<p>\uc120\ub3c4 \uc81c\uacf5\uc5c5\uccb4: Edupay\ub294 57%\uc758 \uc2dc\uc7a5 \uc810\uc720\uc728\uc744 \ub2ec\uc131\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>VI. \uae30\uc220 \uc544\ud0a4\ud14d\ucc98 \uc8fc\uc694 \uace0\ub824 \uc0ac\ud56d<\/p>\n<p>\uae30\uc220 \ud30c\ud2b8\ub108\uc758 \uc120\ud0dd\uc740 \uac80\uc99d\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<p>\uc2dc\uc2a4\ud15c \uac00\uc6a9\uc131 SLA \uc57d\uc815(\u226599.95% \uad8c\uc7a5)<br \/>\n\uc7ac\ud574 \ubcf5\uad6c RTO \uc9c0\ud45c(\uc6b0\uc218 \uc0ac\ub840\ub294 15\ubd84 \uc774\ub0b4\uc5d0 \ub2ec\uc131 \uac00\ub2a5)<br \/>\n\uaddc\uc815 \uc900\uc218 \uc778\uc99d \uc644\ub8cc(PCI DSS \ubc0f \ud604\uc9c0 GDPR \ud3ec\ud568)<\/p>\n<p>\ubaa8\ub4e0 \uac70\ub798 \uae30\ub85d\uc744 \ucd5c\uc18c 10\ub144\uac04 \ubcf4\uad00\ud574\uc57c \ud558\ub294 \ubca0\ud2b8\ub0a8 \uc911\uc559\uc740\ud589\uc758 \uc0c8\ub85c\uc6b4 \uaddc\uc815\uc5d0 \ud2b9\ud788 \uc720\uc758\ud558\uc138\uc694.<\/p>\n<p>VII. \uc18c\ube44\uc790 \ud589\ub3d9 \uc778\uc0ac\uc774\ud2b8 \ubc0f \ucd5c\uc801\ud654 \uc804\ub7b5<\/p>\n<p>\ucd5c\uc2e0 \uc5f0\uad6c\uc5d0 \ub530\ub974\uba74 \uc138 \uac00\uc9c0 \uc911\uc694\ud55c \ud604\uc0c1\uc774 \ud655\uc778\ub418\uc5c8\uc2b5\ub2c8\ub2e4:<\/p>\n<p>'\uc2a4\uce94 \uc564 \uace0' \uae30\ub2a5\uc73c\ub85c \uace0\uac1d \uac1d\ub2e8\uac00 221% \uc0c1\uc2b9(\ud3b8\uc758\uc810 \ub370\uc774\ud130) \u25b2 '\uc2a4\uce94 \uc564 \uace0' \uae30\ub2a5\uc73c\ub85c \uace0\uac1d \uac1d\ub2e8\uac00 221% \uc0c1\uc2b9(\ud3b8\uc758\uc810 \ub370\uc774\ud130)<br \/>\n\ud560\ubd80 \uc635\uc158 \uacb0\uc81c \uc2dc \uad6c\ub9e4 \uc804\ud658\uc728\uc774 \uae30\uc874 \ub300\ube44 3\ubc30\ub85c \uc99d\uac00(\uc804\uc790\uc81c\ud488 \uce74\ud14c\uace0\ub9ac) \u25b2\ud560\ubd80 \uc635\uc158 \uacb0\uc81c \uc2dc \uad6c\ub9e4 \uc804\ud658\uc728\uc774 \uae30\uc874 \ub300\ube44 3\ubc30\ub85c \uc99d\uac00(\uc804\uc790\uc81c\ud488 \uce74\ud14c\uace0\ub9ac)<br \/>\n\ud604\uae08 \ucda9\uc804 \uc0ac\uc6a9\uc790\uc758 \uc7ac\ubc29\ubb38\uc728\uc774 \uce74\ub4dc \ucda9\uc804 \uc0ac\uc6a9\uc790\ubcf4\ub2e4 \uc624\ud788\ub824 \ub354 \ub192\uc2b5\ub2c8\ub2e4(63% \ub300 51%).<\/p>\n<p>\ud574\ub2f9 \uc6b4\uc601 \uad8c\uc7a5 \uc0ac\ud56d:<br \/>\n-\uacb0\uc81c \ud398\uc774\uc9c0\uc5d0\uc11c QR\ucf54\ub4dc \uacb0\uc81c \uc635\uc158\uc744 \uac15\uc870 \ud45c\uc2dc\ud569\ub2c8\ub2e4.<br \/>\n-\ub2e8\uac00\uac00 \ub192\uc740 \ud488\ubaa9\uc5d0 \ub300\ud55c \uc2a4\ud14c\uc774\uc9d5 \uacc4\ud68d \uacc4\uc0b0\uae30 \uae30\ubcf8 \ud45c\uc2dc<br \/>\n-\ud3b8\uc758\uc810 \ucda9\uc804 \uce90\uc2dc\ubc31 \ud504\ub85c\ubaa8\uc158 \ucd94\uac00<\/p>\n<p>VIII. \uc704\ud5d8 \uad00\ub9ac \uace0\uae09 \uac00\uc774\ub4dc<\/p>\n<p>5\uac00\uc9c0 \ubc29\uc5b4 \uba54\ucee4\ub2c8\uc998\uc744 \ub9c8\ub828\ud574\uc57c \ud569\ub2c8\ub2e4:<\/p>\n<p>1) \uc2e4\uc2dc\uac04 \uc704\ud5d8 \uc81c\uc5b4 \uc5d4\uc9c4 \uaddc\uce59 \uae30\ubc18(200\uac1c \uc774\uc0c1\uc758 \uaddc\uce59\uc73c\ub85c \ucd08\uae30 \uad6c\uc131 \uad8c\uc7a5)<br \/>\n2) \ub2e4\uc911 \uacc4\uc815 \ubd80\uc815 \ud589\uc704\ub97c \ubc29\uc9c0\ud558\uae30 \uc704\ud55c \ub514\ubc14\uc774\uc2a4 \uc9c0\ubb38 \uc778\uc2dd \uc2dc\uc2a4\ud15c<br \/>\n3) \uc9c0\ub9ac\uc801 \uc704\uce58 \uae30\ubc18 \uc758\uc2ec\uc2a4\ub7ec\uc6b4 \uac70\ub798 \ucc28\ub2e8 \uc804\ub7b5(\uc608: \uac11\uc791\uc2a4\ub7ec\uc6b4 \uad6d\uacbd \uac04 \uc791\uc5c5)<br \/>\n4) \ub300\uaddc\ubaa8 \uac70\ub798\uc5d0 \ub300\ud55c \uc218\ub3d9 \uac80\ud1a0 \uc6cc\ud06c\ud50c\ub85c \uc124\uacc4\uc758 \ud575\uc2ec \uc0ac\ud56d.<br \/>\n-\uc784\uacc4\uac12 \ub3d9\uc801 \uc870\uc815 \uc54c\uace0\ub9ac\uc998(\ucc38\uc870 \uacfc\uac70 \ud3c9\uade0 \u00b1 3\u03c3)<br \/>\n-2\ucc28 \uc720\ud6a8\uc131 \uac80\uc0ac\ub97c \uc704\ud55c \ud544\uc218 \ud2b8\ub9ac\uac70 \uc870\uac74 \ubaa9\ub85d<\/p>\n<p>5) \uc790\uae08\uc138\ud0c1\ubc29\uc9c0 \ubaa8\ub2c8\ud130\ub9c1 \ubcf4\uace0 \uc2dc\uc2a4\ud15c \uad6c\ucd95 \uba85\uc138\uc11c<\/p>\n<p>IX. \ud601\uc2e0\uc801\uc778 \ubd80\uac00\uac00\uce58 \uc11c\ube44\uc2a4 \ubc1c\uad74<\/p>\n<p>\ud504\ub860\ud2f0\uc5b4 \uc0ac\ub840 \ucc38\uc870:<\/p>\n<p>\"\uc9c0\ub2a5\ud615 \uc218\uae08 \uc608\uce21: \uacfc\uac70 \ub370\uc774\ud130\ub97c \uacb0\ud569\ud558\uc5ec \uc790\uae08\uc744 \ubbf8\ub9ac \ud560\ub2f9\ud569\ub2c8\ub2e4(\uc624\ub958 &lt;8%).<br \/>\n\"\ube14\ub85d\uccb4\uc778 \uc804\uc790\uacc4\uc57d \uc608\uce58\uae08: \ubd84\uc7c1 \ud574\uacb0\uc758 \uc99d\uba85 \ud6a8\uc728\uc131 \ud5a5\uc0c190%<br \/>\n\"AR \uac00\uc0c1 \ub9e4\uc7a5 \uacb0\uc81c: \uba54\ud0c0\ubc84\uc2a4 \uc2dc\ub098\ub9ac\uc624\uac00 \uae30\uc220\uc801 \uac80\uc99d\uc744 \uc644\ub8cc\ud588\uc2b5\ub2c8\ub2e4.<\/p>\n<p>X. \uc2e4\uc6a9\uc801\uc778 \uccb4\ud06c\ub9ac\uc2a4\ud2b8<\/p>\n<p>\ub77c\uc774\ube0c\ub97c \uc2dc\uc791\ud558\uae30 \uc804\uc5d0 \uc644\ub8cc\ud574\uc57c \ud558\ub294 23\uac00\uc9c0 \uc720\ud6a8\uc131 \uac80\uc0ac \ud14c\uc2a4\ud2b8.<\/p>\n<p>[\ud575\uc2ec \uae30\uc220]<br \/>\n\ubca0\ud2b8\ub0a8 \uc624\ub958 \uba54\uc2dc\uc9c0 \ud604\uc9c0\ud654 \ud14c\uc2a4\ud2b8 \u25a1\uc124 \uc5f0\ud734 \ub300\ube44 \ud2b9\ubcc4 \ucc98\ub9ac \ub85c\uc9c1 \ud14c\uc2a4\ud2b8 \u25a1SMS OTP \ub3c4\ucc29\ub960 \ud14c\uc2a4\ud2b8 &gt; 98%<\/p>\n<p>[\uaddc\uc815 \uc900\uc218 \ud504\ub85c\uc138\uc2a4]<br \/>\n\uc0ac\uc6a9\uc790 \ub3d9\uc758 \uc815\ubd80 \uc2e0\uace0 \uc811\uc218 \u25a1 KYC \ud504\ub85c\uc138\uc2a4 \uc601\uc0c1 \ub179\ud654 \ud488\uc9c8 \ud655\uc778 \u25a1 \ub300\uccb4\uacc4\uc88c \ucd5c\uc18c \uc794\uc561 \ud655\uc778<\/p>\n<p>[\uc6b4\uc601 \uc900\ube44 \uc0c1\ud0dc]<br \/>\n\uace0\uac1d \uc11c\ube44\uc2a4 \uad50\uc721 \uc9c0\uc2dd \uae30\ubc18 \uc2b9\uc778 \u25a1 \ube44\uc0c1\uc5f0\ub77d\ub9dd \uad6c\ucd95 \uc644\ub8cc \uc5ec\ubd80 \ud655\uc778 \u25a1 \uc704\uc870\uc9c0\ud3d0 \uc778\uc2dd \ud29c\ud1a0\ub9ac\uc5bc \uc5c5\ub370\uc774\ud2b8 \ud604\ud669 \ud655\uc778<\/p>\n<p>\uc804\ubb38\uac00\uac00 \uc54c\ub824\uc8fc\ub294 \ud2b9\ubcc4 \uc54c\ub9bc<\/p>\n<p>\uac04\uacfc\ud558\uae30 \uc26c\uc6b4 \uc138 \uac00\uc9c0 \ubc95\uc801 \uc138\ubd80 \uc0ac\ud56d.<\/p>\n<p>\u26a0\ufe0f \ud658\ubd88 \uc791\uc5c5\uc740 \uc694\uccad \uc811\uc218 \ud6c4 48\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uc751\ub2f5\ud574\uc57c \ud569\ub2c8\ub2e4(\ubc95\uc801 \uc81c\ud55c).<br \/>\n\u26a0\ufe0f \uac70\ub798\uac00 \uc131\uacf5\ud560 \ub54c\ub9c8\ub2e4 \uc138\uae08 \ud3ec\ud568 \uc804\uc790 \ubc14\uc6b0\ucc98\ub97c \uc0dd\uc131\ud574\uc57c \ud569\ub2c8\ub2e4(T-VAT \ud615\uc2dd \ud45c\uc900).<br \/>\n\u26a0\ufe0f \uc678\uad6d\uc778 \ud22c\uc790\uc790\ub294 \uc9d1\uacc4 \uc0ac\uc5c5\uc744 \uc218\ud589\ud558\uae30 \uc704\ud574 \ucd94\uac00 PSP \ub77c\uc774\uc120\uc2a4\ub97c \uc2e0\uccad\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n<p>XII. \ub9ac\uc18c\uc2a4 \ub9e4\uce6d \ucc44\ub110<\/p>\n<p>\uc138 \uac00\uc9c0 \uacf5\uc2dd \uc815\ubcf4 \ud3ec\ud138\uc744 \ucd94\ucc9c\ud569\ub2c8\ub2e4.<\/p>\n<p>\u2705 \uad6d\ub9bd \uc740\ud589 \ud540\ud14c\ud06c \ub4f1\ub85d \uc6f9\uc0ac\uc774\ud2b8(\ucd5c\uc2e0 \uc815\ubcf4)<br \/>\n\u2705 \uc804\uc790\uc0c1\uac70\ub798 \ud611\ud68c \uc5f0\ub840 \ud310\ub9e4\uc790 \ub9e4\ub274\uc5bc \ub2e4\uc6b4\ub85c\ub4dc \uc13c\ud130<br \/>\n\u2705 \uc138\uad00 \uad6d\uacbd \uac04 \ubb34\uc5ed \ucd09\uc9c4 \uc11c\ube44\uc2a4 \ud50c\ub7ab\ud3fc \ucd1d\uad04 \uad00\ub9ac<\/p>\n<p>\ucd5c\uc885 \uc758\uc0ac \uacb0\uc815 \ud504\ub808\uc784\uc6cc\ud06c.<br \/>\n\ucd5c\uc801\uc758 \uc194\ub8e8\uc158\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \ub124 \uac00\uc9c0 \uce21\uba74\uc5d0\uc11c \uc810\uc218\uc5d0 \uac00\uc911\uce58\ub97c \ubd80\uc5ec\ud558\uc5ec \uc120\ud0dd\ub429\ub2c8\ub2e4.<br \/>\n1. \uc2dc\uc7a5 \ucee4\ubc84\ub9ac\uc9c0(30%) 2. \uae30\uc220\uc801 \uc548\uc815\uc131(25%)<br \/>\n3. \uc694\uae08 \uacbd\uc7c1\ub825(20%) 4. \uaddc\uc81c \uc801\uc751\uc131(25%)<\/p>\n<p>\uc815\ub7c9\uc801 \ube44\uad50\ub97c \uc704\ud574 \uc758\uc0ac \uacb0\uc815 \ub9e4\ud2b8\ub9ad\uc2a4 \ud45c\ub97c \uc791\uc131\ud558\uace0 \ud544\uc694\ud55c \uacbd\uc6b0 \uc81c3\uc790 \ucee8\uc124\ud134\ud2b8\uc5d0\uac8c \uc2e4\uc0ac\ub97c \uc758\ub8b0\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n<p>\uc9c0\uc18d\uc801\uc778 \ucd5c\uc801\ud654 \uad8c\uc7a5 \uc0ac\ud56d.<br \/>\n\uc561\uc138\uc2a4\uac00 \uc644\ub8cc\ub41c \ud6c4\uc5d0\ub3c4 \ud30c\ud2b8\ub108 \uc131\uacfc\ub294 \ub2e4\uc74c \uc9c0\ud45c\uc758 \ucd94\uc138\uc5d0 \ucd08\uc810\uc744 \ub9de\ucdb0 \ubd84\uae30\ubcc4\ub85c \uc7ac\ud3c9\uac00\ud574\uc57c \ud569\ub2c8\ub2e4.<br \/>\n\ubd88\ub9cc \ud574\uacb0 \uae30\uac04 \u25a0\uc2e0\uae30\uc220 \uc801\uc6a9 \uc9c4\ud589 \uc0c1\ud669 \u25a0\ube44\uc815\uc0c1 \ubcc0\ub3d9 \ub300\uc751 \uc18d\ub3c4<\/p>","protected":false},"excerpt":{"rendered":"<p>\ubca0\ud2b8\ub0a8 \ud604\uc9c0 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uad8c\uc7a5 \uc0ac\ud56d \ubc0f \ube44\uad50: \uac00\uc7a5 \ud3ec\uad04\uc801\uc778 \uac00\uc774\ub4dc 2023 \uc18c\uac1c: \uc65c...<\/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":[34],"tags":[],"class_list":["post-3319","post","type-post","status-publish","format-standard","hentry","category-34"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u7f51\u5173\u63a8\u8350\u4e0e\u5bf9\u6bd4 - 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\/12\/\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u7f51\u5173\u63a8\u8350\u4e0e\u5bf9\u6bd4\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u7f51\u5173\u63a8\u8350\u4e0e\u5bf9\u6bd4\" \/>\n<meta property=\"og:description\" content=\"\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u7f51\u5173\u63a8\u8350\u4e0e\u5bf9\u6bd4\uff1a2023\u5e74\u6700\u5168\u9762\u6307\u5357 \u5f15\u8a00\uff1a\u4e3a\u4ec0&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ko\/2025\/06\/12\/\u8d8a\u5357\u672c\u5730\u652f\u4ed8\u7f51\u5173\u63a8\u8350\u4e0e\u5bf9\u6bd4\/\" \/>\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=\"2025-06-12T00:41:08+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\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"1\ubd84\" \/>\n<script type=\"application\/ld+json\" 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