{"id":4044,"date":"2025-12-17T11:17:39","date_gmt":"2025-12-17T03:17:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=4044"},"modified":"2025-12-17T11:17:39","modified_gmt":"2025-12-17T03:17:39","slug":"%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98%e7%9a%84%e4%ba%a4%e6%98%93%e6%b5%81%e7%a8%8b%e5%9b%be%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ko\/2025\/12\/17\/%e5%8d%b0%e5%ba%a6%e5%8e%9f%e7%94%9f%e6%94%af%e4%bb%98%e7%9a%84%e4%ba%a4%e6%98%93%e6%b5%81%e7%a8%8b%e5%9b%be%e8%a7%a3\/","title":{"rendered":"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts348.mm.bing.net\/th?q=paytm347\" alt=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3\" title=\"\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3\"><\/p>\n<h1>\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3\uff1a\u6df1\u5165\u89e3\u6790\u672c\u5730\u652f\u4ed8\u751f\u6001<\/h1>\n<h2>\u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u9769\u547d\u80cc\u666f<\/h2>\n<p>\u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u7ecf\u5386\u4e86\u524d\u6240\u672a\u6709\u7684\u6570\u5b57\u652f\u4ed8\u8f6c\u578b\u3002\u968f\u7740\u653f\u5e9c\u63a8\u52a8\u201c\u6570\u5b57\u5370\u5ea6\u201d\u5021\u8bae\u548cUPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09\u7684\u63a8\u51fa\uff0c\u5370\u5ea6\u672c\u571f\u652f\u4ed8\u7cfb\u7edf\u5df2\u6210\u4e3a\u5168\u7403\u91d1\u878d\u79d1\u6280\u521b\u65b0\u7684\u5178\u8303\u3002\u672c\u6587\u5c06\u901a\u8fc7\u8be6\u7ec6\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3\uff0c\u6df1\u5165\u89e3\u6790\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u8fd0\u4f5c\u673a\u5236\u3001\u53c2\u4e0e\u65b9\u89d2\u8272\u53ca\u6280\u672f\u67b6\u6784\uff0c\u4e3a\u4f01\u4e1a\u548c\u5f00\u53d1\u8005\u63d0\u4f9b\u6e05\u6670\u7684\u63a5\u5165\u6307\u5357\u3002<\/p>\n<h2>\u4e00\u3001\u4e3b\u8981\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u65b9\u5f0f\u6982\u89c8<\/h2>\n<h3>1. UPI(\ud1b5\ud569 \uacb0\uc81c \uc778\ud130\ud398\uc774\uc2a4)<\/h3>\n<ul>\n<li><strong>\u5373\u65f6\u94f6\u884c\u95f4\u8f6c\u8d26\u7cfb\u7edf<\/strong><\/li>\n<li><strong>\u7531\u5370\u5ea6\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8\uff08NPCI\uff09\u5f00\u53d1\u8fd0\u8425<\/strong><\/li>\n<li><strong>\u652f\u6301\u591a\u94f6\u884c\u8d26\u6237\u96c6\u6210<\/strong><\/li>\n<\/ul>\n<h3>2. RuPay<\/h3>\n<ul>\n<li><strong>\u672c\u571f\u94f6\u884c\u5361\u7f51\u7edc<\/strong><\/li>\n<li><strong>\u7c7b\u4f3cVisa\u548cMastercard\u7684\u56fd\u5185\u66ff\u4ee3\u65b9\u6848<\/strong><\/li>\n<\/ul>\n<h3>3. BBPS\uff08Bharat\u8d26\u5355\u652f\u4ed8\u7cfb\u7edf\uff09<\/h3>\n<ul>\n<li><strong>\u6807\u51c6\u5316\u8d26\u5355\u805a\u5408\u5e73\u53f0<\/strong><\/li>\n<li><strong>\u8986\u76d6\u6c34\u7535\u7164\u3001\u7535\u4fe1\u7b49\u5404\u7c7b\u8d26\u5355<\/strong><\/li>\n<\/ul>\n<h3>4. Wallets\uff08\u7535\u5b50\u94b1\u5305\uff09<\/h3>\n<ul>\n<li>Paytm\u3001PhonePe\u3001Google Pay\u7b49\u4e3b\u6d41\u5e94\u7528<br \/>\n-\u57fa\u4e8e\u79fb\u52a8\u7aef\u7684\u9884\u4ed8\u8d39\u5de5\u5177<\/li>\n<\/ul>\n<h2>\u4e8c\u3001UPI\u4ea4\u6613\u6d41\u7a0b\u8be6\u7ec6\u56fe\u89e3\u4e0e\u89e3\u6790<\/h2>\n<h3>UPI\u751f\u6001\u7cfb\u7edf\u6838\u5fc3\u53c2\u4e0e\u8005\uff1a<\/h3>\n<pre><code>[\u4ed8\u6b3e\u4eba] \u2192 [PSP\/\u94f6\u884c\u5e94\u7528] \u2192 [NPCI\u670d\u52a1\u5668] \u2192 [\u6536\u6b3e\u4eba\u94f6\u884c] \u2192 [\u6536\u6b3e\u4eba]\r\n<\/code><\/pre>\n<h4><strong>\u6b65\u9aa4\u5206\u89e3\uff1a<\/strong><\/h4>\n<p><strong>\u7b2c\u4e00\u9636\u6bb5\uff1a\u521d\u59cb\u5316\u8bbe\u7f6e<\/strong><br \/>\n1.\u7528\u6237\u4e0b\u8f7d\u652f\u6301UPI\u7684\u5e94\u7528\u7a0b\u5e8f\uff08\u5982PhonePe\u3001Google Pay\u6216\u94f6\u884c\u81ea\u6709\u5e94\u7528\uff09<br \/>\n2.\u7528\u6237\u5c06\u94f6\u884c\u8d26\u6237\u4e0e\u865a\u62df\u4ed8\u6b3e\u5730\u5740\uff08VPA\uff09\u7ed1\u5b9a<br \/>\n3.VPA\u683c\u5f0f\u793a\u4f8b\uff1ausername@bankname<\/p>\n<p><strong>\u7b2c\u4e8c\u9636\u6bb5\uff1a\u53d1\u8d77\u4ed8\u6b3e\u6d41\u7a0b<\/strong><\/p>\n<pre><code>\u6d41\u7a0b\u56fe\u5f00\u59cb\uff1a\r\n[\u7528\u6237\u8f93\u5165\u6536\u6b3e\u4ebaVPA\/\u626b\u63cf\u4e8c\u7ef4\u7801]\r\n         \u2193\r\n[\u8f93\u5165\u91d1\u989d\u548c\u5907\u6ce8]\r\n         \u2193\r\n[\u9009\u62e9\u8d44\u91d1\u6765\u6e90\u8d26\u6237]\r\n         \u2193\r\n[\u8f93\u5165UPI PIN\u9a8c\u8bc1\u8eab\u4efd]\r\n         \u2193\r\n[\u8bf7\u6c42\u53d1\u9001\u81f3\u53d1\u5361\u884cPSP]\r\n         \u2193\r\n[NPCI\u8def\u7531\u81f3\u6536\u6b3e\u65b9\u94f6\u884c]\r\n         \u2193\r\n[\u8d44\u91d1\u5b9e\u65f6\u8f6c\u79fb\u5b8c\u6210]\r\n\u6d41\u7a0b\u56fe\u7ed3\u675f\u3002\r\n<\/code><\/pre>\n<p><strong>\u7b2c\u4e09\u9636\u6bb5\uff1a\u540e\u53f0\u5904\u7406\u673a\u5236<\/strong><br \/>\n1.<strong>\u8ba4\u8bc1\u5c42<\/strong>\uff1a\u901a\u8fc7MPIN\/PIN\u8fdb\u884c\u53cc\u56e0\u7d20\u8ba4\u8bc1<br \/>\n2.<strong>\u6e05\u7b97\u5c42<\/strong>\uff1aNPCI\u4f5c\u4e3a\u4e2d\u592e\u4ea4\u6362\u673a\u5904\u7406\u8de8\u884c\u6307\u4ee4<br \/>\n3.<strong>\u7ed3\u7b97\u5c42<\/strong>\uff1a\u901a\u8fc7RBI\u7684\u5b9e\u65f6\u5168\u989d\u7ed3\u7b97\u7cfb\u7edf\u5b8c\u6210\u6700\u7ec8\u8d44\u91d1\u5212\u8f6c<\/p>\n<p>\u4e09.RuPay\u5361\u4ea4\u6613\u6d41\u7a0b\u5206\u6790<\/p>\n<pre><code>\u6301\u5361\u4eba\u5237\u5361\/\u63d2\u5361\/\u62cd\u5361\u2192\u5546\u6237\u7ec8\u7aef\u8bfb\u53d6\u4fe1\u606f\u2192\u6536\u5355\u673a\u6784\u5904\u7406\u2192RuPay\u7f51\u7edc\u8def\u7531\u2192\u53d1\u5361\u884c\u6388\u6743\u2192\u6cbf\u539f\u8def\u8fd4\u56de\u786e\u8ba4  \r\n<\/code><\/pre>\n<p>\u5173\u952e\u7279\u70b9:<br \/>\n\u2022\u5883\u5185\u4ea4\u6613\u5b8c\u5168\u5728\u672c\u5730\u5904\u7406<br \/>\n\u2022\u4e0e\u56fd\u9645\u5361\u7f51\u7edc\u76f8\u6bd4\u6210\u672c\u66f4\u4f4e<br \/>\n\u2022\u652f\u6301EMV\u82af\u7247\u548cNFC\u6280\u672f<\/p>\n<p>\u56db.BBPS\u8d26\u5355\u7f34\u7eb3\u5de5\u4f5c\u6d41<\/p>\n<p><img decoding=\"async\" src=\"%E6%AD%A4%E5%A4%84%E5%BA%94%E4%B8%BA%E5%AE%9E%E9%99%85%E5%9B%BE%E8%A1%A8%E4%BD%8D%E7%BD%AE\" alt=\"BBPS\u6d41\u7a0b\u56fe\u63cf\u8ff0:\u6d88\u8d39\u8005\u767b\u5f55\u670d\u52a1\u5546\u95e8\u6237\u9009\u62e9\u8d26\u5355\u7c7b\u578b\u67e5\u8be2\u6b20\u6b3e\u786e\u8ba4\u7f34\u8d39\u9009\u62e9\u4ed8\u6b3e\u65b9\u5f0f(UPIRuPay\u7b49)\u5b8c\u6210\u4ea4\u6613\u83b7\u53d6\u7535\u5b50\u51ed\u8bc1\"><\/p>\n<p>\u591a\u5c42\u67b6\u6784\u8bbe\u8ba1:<br \/>\n1.<strong>\u5b9e\u4f53\u64cd\u4f5c\u5355\u5143<\/strong>:\u76f4\u63a5\u9762\u5411\u6d88\u8d39\u8005\u7684\u63a5\u5165\u70b9<br \/>\n2.<strong>\u4e1a\u52a1\u8fd0\u8425\u5355\u4f4d<\/strong>:\u805a\u5408\u4e0d\u540c\u7c7b\u522b\u8d26\u5355\u7684\u670d\u52a1\u5546<br \/>\n3.<strong>\u56fd\u5bb6\u7ea7\u7f51\u5173<\/strong>:\u786e\u4fdd\u4e92\u64cd\u4f5c\u6027\u7684\u4e2d\u5fc3\u67a2\u7ebd<\/p>\n<p>\u4e94\u5b89\u5168\u6846\u67b6\u4e0e\u5408\u89c4\u8981\u6c42<\/p>\n<p>\u6570\u636e\u672c\u5730\u5316\u89c4\u5b9a:\u6240\u6709\u652f\u4ed8\u6570\u636e\u5fc5\u987b\u5b58\u50a8\u5728\u5370\u5ea6\u5883\u5185\u670d\u52a1\u5668<br \/>\n\u52a0\u5bc6\u6807\u51c6:AES256\u7aef\u5230\u7aef\u52a0\u5bc6\u4f20\u8f93<br \/>\n\u76d1\u7ba1\u673a\u6784:RBI(\u50a8\u5907\u94f6\u884c)TRAI(\u7535\u4fe1\u7ba1\u7406\u5c40)SEBI(\u8bc1\u5238\u59d4\u5458\u4f1a)\u5171\u540c\u76d1\u7763<\/p>\n<p>\u98ce\u9669\u63a7\u5236\u63aa\u65bd\u5305\u62ec:<br \/>\n\u2013\u6bcf\u65e5\u6bcf\u7b14\u9650\u989d\u7ba1\u7406<br \/>\n\u2013\u751f\u7269\u8bc6\u522b\u8f85\u52a9\u9a8c\u8bc1<br \/>\n\u2013\u53ef\u7591\u6a21\u5f0f\u5b9e\u65f6\u76d1\u63a7<\/p>\n<p>\u516d\u4f01\u4e1a\u96c6\u6210\u5b9e\u8df5\u5efa\u8bae<\/p>\n<p>\u6280\u672f\u5bf9\u63a5\u9009\u9879:<br \/>\n1\u76f4\u63a5API\u8fde\u63a5\u2014\u2014\u9002\u5408\u5927\u578b\u4f01\u4e1a<br \/>\n2\u7b2c\u4e09\u65b9\u805a\u5408\u5668\u2014\u2014\u4e2d\u5c0f\u578b\u4f01\u4e1a\u63a8\u8350\u65b9\u6848<br \/>\n3\u767d\u6807\u89e3\u51b3\u65b9\u6848\u2014\u2014\u5feb\u901f\u5e02\u573a\u8fdb\u5165\u9014\u5f84<\/p>\n<p>\u5173\u952e\u6210\u529f\u56e0\u7d20:<br \/>\n\u2022\u652f\u6301\u591a\u79cd\u672c\u5730\u5316\u9009\u9879\u754c\u9762<br \/>\n\u2022\u7b26\u5408PCI DSS\u5b89\u5168\u6807\u51c6<br \/>\n\u2022\u63d0\u4f9b\u5370\u5730\u8bed\u53ca\u5730\u65b9\u8bed\u8a00\u754c\u9762<\/p>\n<p>\u4e03\u672a\u6765\u53d1\u5c55\u8d8b\u52bf\u9884\u6d4b<\/p>\n<p>\u65b0\u5174\u65b9\u5411\u5305\u62ec:<br \/>\n\u2013\u79bb\u7ebf\u6570\u5b57\u5362\u6bd4\u8bd5\u70b9\u63a8\u8fdb<br \/>\n\u2013\u8de8\u5883UPI\u6269\u5c55\u8ba1\u5212\u5b9e\u65bd\u8fdb\u5ea6\u66f4\u65b0 \u2013\u8bed\u97f3\u9a71\u52a8\u65e0\u63a5\u89e6\u4ea4\u4e92\u754c\u9762\u5f00\u53d1\u72b6\u51b5 \u2013\u4eba\u5de5\u667a\u80fd\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u589e\u5f3a\u60c5\u51b5\u62a5\u544a\u603b\u7ed3\u90e8\u5206\u5f3a\u8c03\u8981\u70b9\u56de\u987e\u5e76\u5c55\u671b\u524d\u666f\u9884\u671f\u7ed3\u8bba\u6bb5\u843d\u91cd\u7533\u6838\u5fc3\u4ef7\u503c\u4e3b\u5f20\u81f4\u8c22\u8bfb\u8005\u9605\u8bfb\u5b8c\u6bd5\u63d0\u793a\u540e\u7eed\u884c\u52a8\u6307\u5f15\u9644\u5f55\u672f\u8bed\u8868\u89e3\u91ca\u4e13\u4e1a\u540d\u8bcd\u7f29\u5199\u542b\u4e49\u8bf4\u660e\u8054\u7cfb\u65b9\u5f0f\u4f9b\u8fdb\u4e00\u6b65\u54a8\u8be2\u4f7f\u7528<\/p>\n<h1>\u5370\u5ea6\u539f\u751f\u652f\u4ed8\u7684\u4ea4\u6613\u6d41\u7a0b\u56fe\u89e3\uff08\u7eed\u7bc7\uff09\uff1a\u6280\u672f\u67b6\u6784\u3001\u6311\u6218\u4e0e\u672a\u6765\u5c55\u671b<\/h1>\n<h2>\u516b\u3001\u6280\u672f\u67b6\u6784\u6df1\u5ea6\u89e3\u6790<\/h2>\n<h3>UPI\u7cfb\u7edf\u4e09\u5c42\u67b6\u6784\u6a21\u578b<\/h3>\n<h4><strong>1. \u524d\u7aef\u63a5\u5165\u5c42<\/strong><\/h4>\n<ul>\n<li><strong>\u5e94\u7528\u7a0b\u5e8f\u63a5\u53e3<\/strong>\uff1aRESTful API\u8bbe\u8ba1\uff0c\u652f\u6301JSON\/XML\u683c\u5f0f<\/li>\n<li><strong>\u5b89\u5168\u534f\u8bae<\/strong>\uff1aTLS 1.3\u52a0\u5bc6\u4f20\u8f93\uff0c\u53cc\u5411\u8bc1\u4e66\u8ba4\u8bc1<\/li>\n<li><strong>\u79fb\u52a8SDK<\/strong>\uff1aAndroid\/iOS\u5f00\u53d1\u5de5\u5177\u5305\uff0c\u5305\u542b\u9884\u5efa\u652f\u4ed8\u7ec4\u4ef6<\/li>\n<\/ul>\n<h4><strong>2. \u6838\u5fc3\u5904\u7406\u5c42<\/strong><\/h4>\n<pre><code>[\u652f\u4ed8\u53d1\u8d77\u65b9] \u2192 [API\u7f51\u5173] \u2192 [\u8d1f\u8f7d\u5747\u8861\u5668] \r\n         \u2193\r\n[\u4e1a\u52a1\u903b\u8f91\u5904\u7406\u5668] \u2192 [\u4ea4\u6613\u9a8c\u8bc1\u5f15\u64ce]\r\n         \u2193\r\n[NPCI\u4e2d\u592e\u4ea4\u6362\u673a] \u2192 [\u94f6\u884c\u63a5\u53e3\u9002\u914d\u5668]\r\n<\/code><\/pre>\n<h4><strong>3. \u540e\u7aef\u7ed3\u7b97\u5c42<\/strong><\/h4>\n<ul>\n<li><strong>\u5b9e\u65f6\u6e05\u7b97\u5f15\u64ce<\/strong>\uff1a\u57fa\u4e8eISO 8583\u6807\u51c6\u53d8\u4f53\u534f\u8bae<\/li>\n<li><strong>\uc870\uc815 \uc2dc\uc2a4\ud15c<\/strong>\uff1a\u81ea\u52a8\u5316\u7684\u65e5\u7ec8\u5bf9\u8d26\u6d41\u7a0b<\/li>\n<li><strong>\u5ba1\u8ba1\u8ffd\u8e2a<\/strong>\uff1a\u4e0d\u53ef\u7be1\u6539\u7684\u4ea4\u6613\u65e5\u5fd7\u8bb0\u5f55<\/li>\n<\/ul>\n<h3>RuPay\u7f51\u7edc\u6280\u672f\u89c4\u683c<\/h3>\n<table>\n<thead>\n<tr>\n<th>\uc5b4\uc148\ube14\ub9ac<\/th>\n<th>\uae30\uc220 \ud45c\uc900<\/th>\n<th>\u5904\u7406\u80fd\u529b<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u82af\u7247\u89c4\u8303<\/td>\n<td>EMV Level1 &amp; Level2\u8ba4\u8bc1<\/td>\n<td>\u6bcf\u79d210,000+\u4ea4\u6613<\/td>\n<\/tr>\n<tr>\n<td>\u901a\u4fe1\u534f\u8bae<\/td>\n<td>PCI PTS 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