{"id":3326,"date":"2025-06-15T18:38:20","date_gmt":"2025-06-15T10:38:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3326"},"modified":"2025-06-15T18:38:20","modified_gmt":"2025-06-15T10:38:20","slug":"%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/06\/15\/%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94\/","title":{"rendered":"\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569 \uc194\ub8e8\uc158 \ube44\uad50"},"content":{"rendered":"<h1>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569 \uc194\ub8e8\uc158 \ube44\uad50<\/h1>\n<h2>\uc8fc\uc694 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uac1c\uc694<\/h2>\n<h3>1. \ub3c4\ucfe0<\/h3>\n<ul>\n<li><strong>\ucd5c\ucca8\ub2e8<\/strong>::\n<ul>\n<li>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uc120\ub3c4\uc801\uc778 \ud604\uc9c0 \uacb0\uc81c \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4<\/li>\n<li>\uc5ec\ub7ec \ud604\uc9c0 \uc740\ud589 \uc1a1\uae08 \uc9c0\uc6d0(ATM, \uc778\ud130\ub137 \ubc45\ud0b9)<\/li>\n<li>\ub9cc\ub514\ub9ac \ud074\ub9ad\ud398\uc774\uc640 BCA \ud074\ub9ad\ud398\uc774 \ud1b5\ud569<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc5f4\ub4f1\ud55c<\/strong>::\n<ul>\n<li>API \ubb38\uc11c\ub294 \uc8fc\ub85c \uc778\ub3c4\ub124\uc2dc\uc544\uc5b4\ub85c \uc81c\uacf5\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ube44\uc6a9<\/strong>: \uac70\ub798 \uc218\uc218\ub8cc 2.5%-3%<\/li>\n<\/ul>\n<h3>2. Midtrans(\uc774\uc804 Veritrans)<\/h3>\n<ul>\n<li><strong>\ucd5c\ucca8\ub2e8<\/strong>::\n<ul>\n<li>\uc2dc\uc7a5 \uce68\ud22c\ub825\uc774 \ub192\uc740 \uace0\uc81d \uc18c\uc720 \uae30\uc5c5<\/li>\n<li>\"\uc6d0\ud074\ub9ad\" \ube60\ub978 \uacb0\uc81c \uae30\ub2a5<\/li>\n<li>\uc0ac\uae30 \ud0d0\uc9c0 \uc2dc\uc2a4\ud15c \uac1c\uc120<\/li>\n<\/ul>\n<\/li>\n<li><strong>\uc5f4\ub4f1\ud55c<\/strong>::\n<ul>\n<li>\uac15\ud654\ub41c PCI DSS \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d<\/li>\n<\/ul>\n<\/li>\n<li><strong>\ube44\uc6a9<\/strong>:: 1.5%-3% + \uace0\uc815 \ube44\uc6a9<\/li>\n<\/ul>\n<h3>Xendit<\/h3>\n<ul>\n<li><strong>\ucd5c\ucca8\ub2e8<\/strong>\n<ul>\n<li>API \uce5c\ud654\uc801\uc774\uace0 \uc6b0\uc218\ud55c \uac1c\ubc1c\uc790 \ud658\uacbd<\/li>\n<li>QRIS \ud45c\uc900 QR\ucf54\ub4dc \uacb0\uc81c \uc9c0\uc6d0<br \/>\n- OVO\uc640 DANA \uc804\uc790\uc9c0\uac11\uc758 \uc9c1\uc811 \ud1b5\ud569<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>\uc8fc\uc694 \ube44\uad50 \uc694\uc18c<\/h2>\n<table>\n<thead>\n<tr>\n<th>\uc694\uc778<\/th>\n<th>Doku<\/th>\n<th>Midtrans<\/th>\n<th>Xendit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\ud604\uc9c0 \uc740\ud589 \ubc94\uc704<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606\u2606<\/td>\n<\/tr>\n<tr>\n<td>\uc804\uc790\uc9c0\uac11 \uc9c0\uc6d0<\/td>\n<td>\uc81c\ud55c\uc801<\/td>\n<td>\uad11\ubc94\uc704<\/td>\n<td>\uc6b0\uc218<\/td>\n<\/tr>\n<tr>\n<td>\uc815\uc0b0 \uc2dc\uac04<\/td>\n<td>T+2<\/td>\n<td>T+1 \u2502 T+1<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\uad6d\uc81c \uce74\ub4dc \ucc98\ub9ac \uc218\uc218\ub8cc \u25024%\u25023.5%\u25023%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\uad6c\ud604 \uace0\ub824 \uc0ac\ud56d<\/h2>\n<p><em>\uc911\uc18c\uae30\uc5c5\uc6a9<\/em>Xendit\uc740 72\uc2dc\uac04 \uc774\ub0b4\uc5d0 \uae30\ubcf8 \uae30\ub2a5\uc744 \uc81c\uacf5\ud558\ub294 \uac00\uc7a5 \uac04\uc18c\ud654\ub41c \ud1b5\ud569 \ud504\ub85c\uc138\uc2a4\ub97c \uc81c\uacf5\ud569\ub2c8\ub2e4.<\/p>\n<p><em>\uae30\uc5c5\uc6a9<\/em>Midtrans\uc758 \ub9de\ucda4\ud615 \uc0ac\uae30 \ubc29\uc9c0 \uc194\ub8e8\uc158\uc740 \ub300\uaddc\ubaa8 \uac70\ub798 \uc2dc\ub098\ub9ac\uc624\uc5d0 \ub354 \uc801\ud569\ud569\ub2c8\ub2e4.<\/p>\n<p># \uc778\ub3c4\ub124\uc2dc\uc544 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569 \uc194\ub8e8\uc158 \ube44\uad50(\uacc4\uc18d)<\/p>\n<p> \uc2ec\uce35\uc801\uc778 \uae30\ub2a5 \ube44\uad50<\/p>\n<p> 3. OVO Pay<br \/>\n- \ud575\uc2ec \uac15\uc810:<br \/>\n   - \uc778\ub3c4\ub124\uc2dc\uc544 \ucd5c\ub300 \uc804\uc790\uc9c0\uac11(9\ucc9c\ub9cc \uba85 \uc774\uc0c1 \uc0ac\uc6a9\uc790)<br \/>\n   - \uace0\uc81d \uc0dd\ud0dc \uae4a\uc774 \ud1b5\ud569<br \/>\n   - \"PayLater\" \ud560\ubd80 \uae30\ub2a5<br \/>\n- \ud2b9\ubcc4 \uc81c\ud55c \uc0ac\ud56d:<br \/>\n   - \uc778\ub3c4\ub124\uc2dc\uc544 \ub4f1\ub85d \uc0ac\uc5c5\uc790\ub9cc \uc561\uc138\uc2a4 \uac00\ub2a5<br \/>\n   - \ube44\uc988\ub2c8\uc2a4 \uacc4\uc815\uc740 \ubcc4\ub3c4 \uc2e0\uccad \ud544\uc694<\/p>\n<p> 4. LinkAja(\uc774\uc804\uc758 TCash)<br \/>\n- \uc815\ubd80 \ubc30\uacbd: \ud154\ucf64\uc140, \ub9cc\ub514\ub9ac \uc740\ud589 \ubc0f \uae30\ud0c0 \uad6d\uc601 \uae30\uc5c5\uc758 \uacf5\ub3d9 \uac1c\ubc1c<br \/>\n- \uc8fc\uc694 \uc11c\ube44\uc2a4:<br \/>\n   - \ud384\uc0ac \ucda9\uc804 \uc2dc\ub098\ub9ac\uc624\uc758 \ub192\uc740 \uc801\uc6a9 \ubc94\uc704<br \/>\n   - BPJS \uc0ac\ud68c \ubcf4\uc7a5 \uacb0\uc81c \ucc44\ub110<br \/>\n- \uc694\uae08 \uad6c\uc870: 1.5% \uae30\ubcf8 \uc694\uae08 + \ub2e8\uacc4\ubcc4 \uc778\uc13c\ud2f0\ube0c  <\/p>\n<p> API \uae30\uc220 \uc9c0\ud45c \ube44\uad50<\/p>\n<p>| \uc11c\ube44\uc2a4 | \ud3c9\uade0 API \uc9c0\uc5f0 \uc2dc\uac04 | \uc6f9\ud6c5 \uc548\uc815\uc131 | SDK \uc9c0\uc6d0 | \uc11c\ube44\uc2a4<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| Doku | ~450ms | 99.2% | Java\/PHP |<br \/>\n| \ubbf8\ub4dc\ud2b8\ub79c\uc2a4 | ~380ms | 99.8% | \uba40\ud2f0 \ud50c\ub7ab\ud3fc |<br \/>\n| Xendit | ~320ms | 99.9% | React Native \ub3c5\uc810 |<\/p>\n<p> \uaddc\uc815 \uc900\uc218 \ucd08\uc810\uc758 \ucc28\uc774<\/p>\n<p>1. BPI \uc778\uc99d \uc694\uac74: Doku\uc640 LinkAja\ub294 \uc778\ub3c4\ub124\uc2dc\uc544 \uc740\ud589\uc758 \uc815\uc2dd \ub77c\uc774\uc120\uc2a4\ub97c \ucde8\ub4dd\ud55c \ubc18\uba74, \ud574\uc678 \uc11c\ube44\uc2a4 \uc81c\uacf5\uc5c5\uccb4\ub294 \ud604\uc9c0 \ud30c\ud2b8\ub108\ub97c \ud1b5\ud574 \ub79c\ub529\ud574\uc57c \ud569\ub2c8\ub2e4.  <\/p>\n<p>2. \uc138\uae08 \ucc98\ub9ac \ucc28\uc774<br \/>\n\"``\uc778\uc5b4\uacf5\uc8fc<br \/>\n\uadf8\ub798\ud504 TD.<br \/>\n    A[\uac70\ub798 \uae08\uc561] -&gt; B{\uac8c\uc774\ud2b8\uc6e8\uc774 \uc720\ud615}.<br \/>\n    B -&gt; |\ub85c\uceec \ub77c\uc774\uc120\uc2a4 \uac8c\uc774\ud2b8\uc6e8\uc774| C [PPN \uc790\ub3d9 \ucc28\uac10].<br \/>\n    B -&gt;|\uad6d\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774\/PSP \ubaa8\ub4dc<\/br>\uc2a4\ud2b8\ub77c\uc774\ud504 \uc778\ub3c4\ub124\uc2dc\uc544 \ub4f1<\/br>\ucee4\ub125\ud2f0\ub4dc \uacc4\uc815 \ud504\ub85c\uadf8\ub7a8<\/br>\ubd80\uac00\uac00\uce58\uc138 \uc2e0\uace0 \ud544\uc694]<br \/>\n&#8220;`<\/p>\n<p>3. \ub370\uc774\ud130 \uc0c1\uc8fc \uc815\ucc45: OVO\/DANA\uc640 \uac19\uc740 \uc804\uc790\uc9c0\uac11\uc740 \uc0ac\uc6a9\uc790\uc758 \ub370\uc774\ud130\ub97c \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub370\uc774\ud130 \uc13c\ud130\uc5d0 \uc800\uc7a5\ud558\ub3c4\ub85d \uac15\uc81c\ud569\ub2c8\ub2e4.  <\/p>\n<p> \ud2c8\uc0c8 \uacb0\uc81c \uc218\ub2e8 \uc804\ubb38 \uc9c0\uc6d0<\/p>\n<p>*\uc885\uad50 \uad00\ub828 \uacb0\uc81c*.<br \/>\n- Doku\ub294 '\uc790\uce74\ud2b8 \uc628\ub77c\uc778' \uc790\uce74\ud2b8 \uae30\ubd80\uc5d0 \ub3c5\uc810\uc801\uc73c\ub85c \uc561\uc138\uc2a4\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<br \/>\n- \ubc45\ud06c \uc2dc\ub9ac\uc544 \uc778\ub3c4\ub124\uc2dc\uc544\uc758 \ub3c5\uc810 \uc778\ud130\ud398\uc774\uc2a4\ub294 \ubbf8\ub4dc\ud2b8\ub79c\uc2a4 \uc5d4\ud130\ud504\ub77c\uc774\uc988 \uc5d0\ub514\uc158\uc5d0\uc11c\ub9cc \uc0ac\uc6a9\ud560 \uc218 \uc788\uc2b5\ub2c8\ub2e4.  <\/p>\n<p>* \uc9c0\uc5ed \ubc00\ucc29\ud615 \uacb0\uc81c*.<br \/>\n1. \uc54c\ud30c\ub9c8\ud2b8\/\uc778\ub3c4\ub9c8\ud2b8 \ud3b8\uc758\uc810 \uceec\ub809\uc158.<br \/>\n\"`javascript<br \/>\n\/\/ Xendit \ub9ac\ud14c\uc77c \ucf54\ub4dc \uc608\uc2dc<br \/>\nxendit.createRetailPayment({<br \/>\n store_code: 'ALFA_001', \/\/\uccb4\uc778 \uc0c1\uc810 \ucf54\ub4dc \ud544\uc694<br \/>\n valid_til: '2024-03<\/p>","protected":false},"excerpt":{"rendered":"<p>\uc778\ub3c4\ub124\uc2dc\uc544\uc758 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \ud1b5\ud569 \uc194\ub8e8\uc158 \ube44\uad50 \uc8fc\ub958 \uacb0\uc81c \uac8c\uc774\ud2b8\uc6e8\uc774 \uac1c\uc694 1...<\/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":[39],"tags":[],"class_list":["post-3326","post","type-post","status-publish","format-standard","hentry","category-39"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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