\uae00\ub85c\ubc8c\ud654\ub41c \uc774\ucee4\uba38\uc2a4 \uc2dc\ub300\uc5d0 \ud544\ub9ac\ud540\uc740 \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \uac00\uc7a5 \ube60\ub974\uac8c \uc131\uc7a5\ud558\ub294 \ub514\uc9c0\ud138 \uacb0\uc81c \uc2dc\uc7a5 \uc911 \ud558\ub098\uac00 \ub418\uc5c8\uc2b5\ub2c8\ub2e4. \ucd5c\uc2e0 \ub370\uc774\ud130\uc5d0 \ub530\ub974\uba74 \ud544\ub9ac\ud540 \uc774\ucee4\uba38\uc2a4 \uc2dc\uc7a5 \uaddc\ubaa8\ub294 2025\ub144\uae4c\uc9c0 240\uc5b5 \ub2ec\ub7ec\uc5d0 \ub2ec\ud560 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4. \ub3d9\ub0a8\uc544\uc2dc\uc544\uc5d0\uc11c \ube44\uc988\ub2c8\uc2a4\ub97c \ud655\uc7a5\ud558\ub824\ub294 \ube44\uc988\ub2c8\uc2a4\uc758 \uacbd\uc6b0 Stripe \ub610\ub294 \uae30\ud0c0 \ud0c0\uc0ac \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc744 \ud1b5\ud574 \ud544\ub9ac\ud540\uc5d0\uc11c \ud604\uc9c0\ud654\ub41c \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub294 \ubc29\ubc95\uc744 \uc774\ud574\ud558\ub294 \uac83\uc774 \uc911\uc694\ud569\ub2c8\ub2e4.<\/p>\n
\uc774 \ubb38\uc11c\uc5d0\uc11c\ub294 \uc9c0\uc6d0\ub418\ub294 \uacb0\uc81c \ubc29\ubc95, \uc694\uae08 \uad6c\uc870, \uaddc\uc815 \uc900\uc218 \uc694\uad6c \uc0ac\ud56d, \uc804\ud658 \ucd5c\uc801\ud654\ub97c \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \ud301 \ub4f1 Stripe \ubc0f \uae30\ud0c0 \uc8fc\uc694 \ud0c0\uc0ac \uacb0\uc81c \uc11c\ube44\uc2a4 \uacf5\uae09\uc5c5\uccb4\ub97c \uc0ac\uc6a9\ud558\uc5ec \ud544\ub9ac\ud540 \uacb0\uc81c\uc5d0 \uc561\uc138\uc2a4\ud560 \uc218 \uc788\ub294 \uc644\ubcbd\ud55c \uc194\ub8e8\uc158\uc744 \uc790\uc138\ud788 \uc124\uba85\ud569\ub2c8\ub2e4.<\/p>\n
\uc774 \uae00\uc744 \uc4f0\ub294 \uc2dc\uc810\ubd80\ud130 Stripe\uc740 \uacf5\uc2dd\uc801\uc73c\ub85c\uc9c0\uc815\ub41c \uc870\uac74<\/strong>\uc544\ub798 \ud544\ub9ac\ud540 \uace0\uac1d\uc758 \uacb0\uc81c \ucc98\ub9ac<\/p>\n Stripedirect\ub294 \ud544\ub77c\ub378\ud53c\uc544 \uae30\ubc18\uc758 \ubaa8\ub4e0 \uacb0\uc81c \uc218\ub2e8\uc744 \uc9c0\uc6d0\ud558\uc9c0\ub294 \uc54a\uc9c0\ub9cc \ub2e4\uc74c \ucc44\ub110\uc744 \ud1b5\ud574 \uacb0\uc81c\ub97c \ubc1b\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4:<\/p>\n \uc911\uc694 \ucc38\uace0: \uc804\uc790\uc9c0\uac11 \ubc0f \ud604\uae08 \uacb0\uc81c\ub97c \uc120\ud638\ud558\ub294 70% \ud544\ub9ac\ud540 \uc18c\ube44\uc790\uc5d0\uac8c\ub294 \uc2a4\ud2b8\ub77c\uc774\ud06c \ub3c5\uc810 \uc0ac\uc6a9\uc774 \uc801\uc6a9\ub418\uc9c0 \uc54a\uc744 \uc218 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n \ud604\uc9c0\uc758 \uc120\ub3c4\uc801\uc778 \ud540\ud14c\ud06c \uae30\uc5c5\uc73c\ub85c\uc11c:<\/p>\n \ud1b5\ud569 \uc0ac\ub840 \uc5f0\uad6c: \uc2f1\uac00\ud3ec\ub974 \ud328\uc158 \ube0c\ub79c\ub4dc Love,Bonito\ub294 PayMongo\ub97c \ud1b5\ud574 \ud544\ub77c\ub378\ud53c\uc544\uc5d0\uc11c \uacb0\uc81c\uc728\uc744 631% \ud5a5\uc0c1\uc2dc\ucf30\uc2b5\ub2c8\ub2e4.<\/p>\n \uace0\uc720\ud55c \uac00\uce58 \uc81c\uc548:<\/p>\n \uae30\uc220 \uc138\ubd80 \uc815\ubcf4.<\/p>\n \uc0ac\uae30 \ubc29\uc9c0 \uba54\ucee4\ub2c8\uc998\uc740 \uba38\uc2e0\ub7ec\ub2dd \uc810\uc218 \uc2dc\uc2a4\ud15c\uc744 \uc0ac\uc6a9\ud569\ub2c8\ub2e4(\uc784\uacc4\uac12\uc740 85\uc810\uc73c\ub85c \uc124\uc815\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4).<\/p>\n \ucd5c\uc801\uc740 \uc544\ub2c8\uc9c0\ub9cc \uc5ec\uc804\ud788 \uac00\uce58\uc758 \uc5ec\uc9c0\uac00 \uc788\uc2b5\ub2c8\ub2e4.<\/p>\n \u2714\ufe0f B2B \uace0\uc561 \uac70\ub798(\u20b150,000 \uc774\uc0c1) \uc8fc\uc694 \uc81c\uc57d \uc870\uac74. \uc2e0\uc6a9\uce74\ub4dc \ub370\uc774\ud130\ub97c \ucc98\ub9ac\ud558\ub294 \ubaa8\ub4e0 \ud50c\ub7ab\ud3fc\uc740 \ub2e4\uc74c \uaddc\uc815\uc744 \uc900\uc218\ud574\uc57c \ud569\ub2c8\ub2e4.<\/p>\n \uaddc\uc815 \uc900\uc218 \ubd80\ub2f4\uc744 \uc904\uc774\ub824\uba74 \ud638\uc2a4\ud305 \uacb0\uc81c \ud398\uc774\uc9c0\ub97c \uc0ac\uc6a9\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4.<\/p>\n BIR \uc591\uc2dd 2307\uc5d0 \ub530\ub985\ub2c8\ub2e4.<\/p>\n \uc5b8\uc5b4 \ud604\uc9c0\ud654 \uc6b0\uc120 \uc21c\uc704<\/strong><\/p>\n \ubaa8\ubc14\uc77c UX \uc8fc\uc694 \uc9c0\ud45c<\/strong><\/p>\n \uc2e0\ub8b0 \ubc30\uc9c0 \ub808\uc774\uc544\uc6c3 \ud504\ub85c\uadf8\ub7a8<\/strong> }<\/p>\n \ud14c\uc2a4\ud2b8 \ub370\uc774\ud130: \ucda9\uc804 \uc794\uc561 \uc54c\ub9bc\uc744 \ucd94\uac00\ud558\uba74 30\ubd84 \ub0b4 \uc644\ub8cc\uc728\uc774 54%\uc5d0\uc11c 71%\ub85c \uc99d\uac00\ud569\ub2c8\ub2e4.<\/p>\n \ud45c\uc900 \ucc98\ub9ac \uc808\ucc28\uac00 \ud3ec\ud568\ub418\uc5b4\uc57c \ud569\ub2c8\ub2e4: \uc77c\ubc18\uc801\uc778 \uc624\ub958\uc758 \uc608: \uace0\uac1d\uc774 \uc785\ub825\ud55c 'O'(\ubb38\uc790)\ub97c '0'(\uc22b\uc790)\uc73c\ub85c \uc798\ubabb \uc785\ub825\ud558\uba74 \uc870\uc815\uc5d0 \uc2e4\ud328\ud569\ub2c8\ub2e4.<\/p>\n \ub2e4\uc74c\uacfc \uac19\uc740 \uc0c1\ud669\uc774 \ubc1c\uc0dd\ud558\uba74 \ucd94\uac00 \ud655\uc778\uc774 \ud2b8\ub9ac\uac70\ub418\ub294 \uac83\uc740 \uc0c8\ub85c\uc6b4 \ubc29\ucf54 \uc13c\ud2b8\ub7f4 AML \uaddc\uc815\uc758 \uc694\uad6c \uc0ac\ud56d\uc785\ub2c8\ub2e4. \uc194\ub8e8\uc158 \uacbd\ub85c \ub9f5:<\/p>\n \ud544\ub9ac\ud540 \uc740\ud589\uc740 2024\ub144\uc5d0 \ub450 \uac00\uc9c0 \ud601\uc2e0\uc5d0 \uc9d1\uc911\ud560 \uc608\uc815\uc785\ub2c8\ub2e4:<\/p>\n <\/p>","protected":false},"excerpt":{"rendered":" Stripe \ub610\ub294 \ud0c0\uc0ac \uacb0\uc81c \ud50c\ub7ab\ud3fc\uc73c\ub85c \ud544\ub9ac\ud540 \uacb0\uc81c\ub97c \uc9c0\uc6d0\ud558\ub824\uba74 \uc5b4\ub5bb\uac8c \ud574\uc57c \ud558\ub098\uc694? \uc804\uccb4 \uac00\uc774\ub4dc ...<\/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":[32],"tags":[],"class_list":["post-3382","post","type-post","status-publish","format-standard","hentry","category-32"],"yoast_head":"\n\n
\uc2a4\ud2b8\ub77c\uc774\ud504\ub97c \ud1b5\ud574 \uc0ac\uc6a9 \uac00\ub2a5\ud55c \ud544\ub77c\ub378\ud53c\uc544 \ud604\uc9c0 \uacb0\uc81c \ubc29\ubc95<\/h3>\n
\n
\uc804\ubb38 \ud0c0\uc0ac \ub300\uc548\uc5d0 \ub300\ud55c \uc2ec\uce35 \ubd84\uc11d<\/h2>\n
PayMongo - \ud544\ub77c\ub378\ud53c\uc544 \ub9c8\ucf13\ud50c\ub808\uc774\uc2a4\ub97c \uc704\ud574 \uad6c\ucd95\ub41c API \uc6b0\uc120 \uc194\ub8e8\uc158<\/h3>\n
\ud575\uc2ec \uac15\uc810:
\r\n\uc9c1\uc811 PHP \uacb0\uc81c
\r\n0% \uc678\ud658 \uc190\uc2e4
\r\nAPI \uc751\ub2f5 \uc2dc\uac04 <800ms
\r\n
\r\n\uc9c0\uc6d0 \ucc44\ub110:
\r\n- GCash (\uc801\uc6a9 \ubc94\uc704 89%)
\r\n- PayMaya (76%)
\r\n- 7\uac1c \ud604\uc9c0 \uc740\ud589\uc5d0\uc11c \uc989\uc2dc \uc774\uccb4
\r\n- \ucc3d\uad6c \ud604\uae08 \uc785\uae08
\r\n
\r\n\uc694\uae08 \uad6c\uc870:
\r\n\uc628\ub77c\uc778 \uac70\ub798: 2.9%+\u20b115
\r\n\uc624\ud504\ub77c\uc778 \uc218\uae08: 1.5%+\u20b110
\r\n<\/code><\/pre>\n\ub4dc\ub798\uace4\ud398\uc774 - \uc804\ud1b5\uacfc \ud601\uc2e0\uc758 \uc870\ud654<\/h3>\n
\n
\/\/ \uc6f9\ud6c5 \uc11c\uba85 \ud655\uc778 \uc608\uc2dc
\r\n$secretKey = 'DP-MERCHANT-KEY';
\r\n$signature = \ud574\uc2dc('sha256', $txnId.$secretKey);
\r\n
\r\nif($_POST['\uc11c\uba85'] === $signature){
\r\n \/\/\ucc98\ub9ac \uc131\uacf5 \uc54c\ub9bc
\r\n}
\r\n<\/code><\/pre>\nPayPal\uc758 \ud06c\ub85c\uc2a4\ubcf4\ub354 \ud504\ub85c\uadf8\ub7a8\uc5d0 \ub300\ud55c \uc2dc\ub098\ub9ac\uc624 \ud3c9\uac00<\/h2>\n
\n\u2714\ufe0f OFW(\ud574\uc678 \uadfc\ub85c\uc790) \uc1a1\uae08 \uc2dc\ub098\ub9ac\uc624
\n\u2714\ufe0f USD \uac00\uaca9 \ud45c\uc2dc \ub514\uc9c0\ud138 \uc11c\ube44\uc2a4 \uad6c\ub3c5<\/p>\n
\n\u00d7 PHP\u2192USD \uc774\uc911 \uc804\ud658 \uc190\uc2e4(~4.7%)
\n\u00d7 \uc5c5\uacc4 \ud3c9\uade0\ubcf4\ub2e4 \ub192\uc740 \uc9c0\ubd88 \uac70\uc808 \ube44\uc728 37%<\/p>\nPCI DSS \uaddc\uc815 \uc900\uc218 \ubc0f \uc138\ubb34 \uc2e4\ubb34 \ud544\uc218 \uc0ac\ud56d<\/h2>\n
\ub370\uc774\ud130 \ubcf4\uc548 \uc778\uc99d \uc694\uad6c \uc0ac\ud56d<\/h3>\n
\n\n
\n \n\ub808\ubca8<\/th>\n \uc5f0\uac04 \uac70\ub798\ub7c9<\/th>\n SAQ \uc720\ud615<\/th>\n ASV \uc2a4\uce94 \ube48\ub3c4<\/th>\n<\/tr>\n<\/thead>\n \n 1<\/td>\n >6\ubc31\ub9cc \uac74 \uc774\uc0c1\uc758 \uc2a4\ud2b8\ub85c\ud06c<\/td>\n D<\/td>\n \ubd84\uae30\ubcc4<\/td>\n<\/tr>\n \n 2<\/td>\n <6\ubc31\ub9cc \uc2a4\ud2b8\ub85c\ud06c<\/td>\n A<\/td>\n \ub9e4\ub144<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n \uc6d0\ucc9c\uc9d5\uc218\uc138 \uc6d0\ucc9c\uc9d5\uc218\uc138 \uad00\ub9ac<\/h3>\n
\n
\ud544\ub9ac\ud540 \uacb0\uc81c \uc2dc\ub098\ub9ac\uc624\ub97c \uc704\ud55c \uc2ec\uce35 \ucd5c\uc801\ud654 \uc804\ub7b5<\/h2>\n
\ud604\uc9c0\ud654\ub41c \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4 \ub514\uc790\uc778\uc758 \ud669\uae08\ub960<\/h3>\n
\n
\n
\uadf8\ub798\ud504 TD
\r\n A [\ub85c\ub4dc \uc2dc\uac04 2.5\ucd08 \ubbf8\ub9cc] --> B [3\ub2e8\uacc4\ub85c \uacb0\uc81c]
\r\n B --> C [GCash \uc544\uc774\ucf58 \ud06c\uae30 \u2265 48px]
\r\n C --> D [\uc9c0\ubb38 \uc778\uc2dd \ud65c\uc131\ud654 92%]
\r\n<\/code><\/pre>\n<\/li>\n
\n\uacb0\uc81c \ud398\uc774\uc9c0\uc5d0 \ub450 \uac00\uc9c0\ub97c \ubaa8\ub450 \ud45c\uc2dc\ud558\ub294 \uac83\uc774 \uc88b\uc2b5\ub2c8\ub2e4:<\/p>\n\n
\uac70\ub798 \uc131\uacf5\ub960\uc744 \ub192\uc774\uae30 \uc704\ud55c \uc2e4\uc6a9\uc801\uc778 \ud301<\/h3>\n
OTC(\uc77c\ubc18 \uc758\uc57d\ud488) \ud2b9\ubcc4 \ucd5c\uc801\ud654<\/h4>\n
\n
\/\/ SmartLazyLoad \ucef4\ud3ec\ub10c\ud2b8 \uc608\uc81c
\r\n\ud568\uc218 showReceiptGuide() {
\r\n if(geoIP === 'PH' && paymentMethod === 'OTC') {
\r\n \ub514\uc2a4\ud50c\ub808\uc774\ud50c\ub85c\ud305\uc5c5\ub85c\ub354({
\r\n \uc704\uce58: '\uc624\ub978\ucabd \ud558\ub2e8',
\r\n \ud30c\uc77c \uc720\ud615: ['.jpg', '.png'],
\r\n maxSize: '2MB'
\r\n });
\r\n }
\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n\r\n- \ud3b8\uc758\uc810 \ub124\ud2b8\uc6cc\ud06c \uc120\ud638\ub3c4 \uc21c\uc11c:
\r\n1. \ubc14\uc57c\ub4dc \uc13c\ud130(\ucee4\ubc84\ub9ac\uc9c0 83%)
\r\n2. SM \uccad\uad6c\uc11c \uacb0\uc81c
\r\n3. \ub85c\ube48\uc2a8 \ube44\uc988\ub2c8\uc2a4 \uc13c\ud130
\r\n
\r\n GCash \ud2b8\ub798\ud53d \uc804\ud658 \ud37c\ub110 \ubd84\uc11d
\r\n
\r\n``python
\r\n# AB \ud14c\uc2a4\ud2b8 \uad8c\uc7a5 \ud30c\ub77c\ubbf8\ud130 \uad6c\uc131
\r\ngcash_params = {
\r\n 'deep_link': True, # \uc571 \ub2e4\uc774\ub809\ud2b8 \uc810\ud504\uac00 \ucf1c\uc9c0\uba74 +29% \ubcc0\ud658
\r\n 'timeout':90, # QR \ub9cc\ub8cc\uc77c(\ucd08)
\r\n 'retry_interval':15,
\r\n 'fallback_url':'gcash.com\/payonline'
\r\n}
\r\n<\/code><\/pre>\n\uc790\uc8fc \ubb3b\ub294 \uc9c8\ubb38 \uc804\ubb38\uac00 \ub2f5\ubcc0 \uc740\ud589<\/h2>\n
Q1: BDO \uc740\ud589 \uc1a1\uae08\uc5d0 \ub300\ud55c \ucc38\uc870 \ucf54\ub4dc\ub294 \uc5b4\ub5bb\uac8c \ucc98\ub9ac\ud558\ub098\uc694?<\/h3>\n
\n\ud504\ub7f0\ud2b8\uc5d4\ub4dc \uc2e4\uc2dc\uac04 \uccb4\ud06c\uc12c 8\ube44\ud2b8 \ub514\uc9c0\ud138 \ud3ec\ub9f7 \ud45c\uc900\ud654\/^d{8}$\/<\/code>
\n\uc720\ud6a8\uc131 \uac80\uc99d\uc744 \uc704\ud55c BDO \ubc84\ucd94\uc5bc\ub9c1\ud06c API\uc758 \ubc31\uc5d4\ub4dc \ube44\ub3d9\uae30 \ucffc\ub9ac \u2461 \uc720\ud6a8\uc131 \uac80\uc99d\uc744 \uc704\ud55c \ubc31\uc5d4\ub4dc \ube44\ub3d9\uae30 \ucffc\ub9ac
\n\uc790\ub3d9 \ub9e4\uce6d \uba54\ucee4\ub2c8\uc998\uc73c\ub85c \u00b110\ubd84 \uc2dc\ucc28 \ud5c8\uc6a9<\/p>\nQ2: PayMaya \uac70\ub798\uac00 BVN \uc720\ud6a8\uc131 \uac80\uc0ac\ub97c \ud2b8\ub9ac\uac70\ud558\ub294 \uc774\uc720\ub294 \ubb34\uc5c7\uc778\uac00\uc694?<\/h3>\n
\n\ub2e8\uc77c \uae08\uc561 > \u20b150,000
\n\uc6d4 \ub204\uc801 > \u20b1200,000
\n\ucd5c\ucd08 \uae30\uae30 \ub85c\uadf8\uc778 \uac10\uc9c0<\/p>\n\ud310\ub9e4\uc790 \ubc31\uc624\ud53c\uc2a4\uc5d0\uc11c KYC \uc790\ub8cc \uc81c\ucd9c \u2192 PayMaya \uc704\ud5d8 \uad00\ub9ac \ud654\uc774\ud2b8\ub9ac\uc2a4\ud2b8 \u2192
\r\n\uace0\uac1d\uc5d0\uac8c 6\uc790\ub9ac SMS \uc778\uc99d \ucf54\ub4dc \uc218\uc2e0 \u2192
\r\n
\r\n\uc804\uccb4 \ud504\ub85c\uc138\uc2a4\ub294 \ud3c9\uade0 11\ubd84(\uadfc\ubb34 \uc2dc\uac04 \uc911)\uc774 \uc18c\uc694\ub429\ub2c8\ub2e4.
\r\n<\/code><\/pre>\n\uc0c8\ub85c\uc6b4 \ud2b8\ub80c\ub4dc \ubbf8\ub798 \uc9c0\ud5a5\uc801\uc778 \uae30\uc220 \ub808\uc774\uc544\uc6c3 \uad8c\uc7a5 \uc0ac\ud56d<\/h2>\n
\n
\n
\n\ud604\uc7ac \uc9c4\ud589 \uc0c1\ud669: [\uc644\ub8cc] BPI\/\uc720\ub2c8\uc628\ubc45\ud06c\/[\uc9c4\ud589 \uc911] \uba54\ud2b8\ub85c\ubc45\ud06c<\/li>\n<\/ul>\n<\/p>\n
\n
\n\uae30\uc220 \ub3c4\ud0b9 \uc708\ub3c4\uc6b0\ub294 2024\ub144 3\ubd84\uae30\uc5d0 \uc2e0\uccad\ud560 \uc218 \uc788\uc744 \uac83\uc73c\ub85c \uc608\uc0c1\ub429\ub2c8\ub2e4.<\/li>\n<\/ul>\n