{"id":2494,"date":"2025-05-10T15:45:44","date_gmt":"2025-05-10T07:45:44","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2494"},"modified":"2025-05-10T15:45:44","modified_gmt":"2025-05-10T07:45:44","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f\/","title":{"rendered":"\u041a\u0430\u043a \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u043d\u043e-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439?"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts268.mm.bing.net\/th?q=phonepe267\" alt=\"\u041a\u0430\u043a \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u043d\u043e-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439?\" title=\"\u041a\u0430\u043a \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u043d\u043e-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439?\"><\/p>\n<p>India Payment Gateway \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f\u043c, \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u043c \u043d\u0430 \u044d\u043a\u0441\u043f\u043e\u0440\u0442, \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0435 \u0438 \u043d\u0435\u0434\u043e\u0440\u043e\u0433\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u043e\u0433\u043e \u0441\u0431\u043e\u0440\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u043a\u043e\u0442\u043e\u0440\u043e\u0435 \u043c\u043e\u0436\u0435\u0442 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043f\u043e\u0432\u044b\u0441\u0438\u0442\u044c \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c \u0434\u0432\u0438\u0436\u0435\u043d\u0438\u044f \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 \u0438 \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b. \u041d\u0438\u0436\u0435 \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u043d\u044b \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u044b\u0435 \u0441\u043f\u043e\u0441\u043e\u0431\u044b \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044f \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439 \u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0441\u043e\u043e\u0431\u0440\u0430\u0436\u0435\u043d\u0438\u044f:<\/p>\n<p><strong>I. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430<\/strong><\/p>\n<ol>\n<li><strong>\u041b\u043e\u043a\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u0441\u0435\u0442\u044c \u0441\u0431\u043e\u0440\u0430<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u041f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u0441\u043f\u043e\u0441\u043e\u0431\u043e\u0432 \u043e\u043f\u043b\u0430\u0442\u044b, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a UPI\/RTGS\/NEFT, \u0440\u0435\u0448\u0430\u0435\u0442 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u0443 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0445 \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0438\u0442\u0430\u044e\u0442 \u043c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438.<\/li>\n<li>\u0422\u0438\u043f\u0438\u0447\u043d\u044b\u0439 \u043f\u0440\u0438\u043c\u0435\u0440: \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0439 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u0435\u0440 \u043e\u0431\u043e\u0440\u0443\u0434\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u043b \u0446\u0438\u043a\u043b \u043e\u043a\u0443\u043f\u0430\u0435\u043c\u043e\u0441\u0442\u0438 \u0441 14 \u0434\u043d\u0435\u0439 \u0434\u043e T+2, \u0432\u043e\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0432\u0448\u0438\u0441\u044c \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u043c \u0448\u043b\u044e\u0437\u043e\u043c Paytm.<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u0418\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0435 \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043e\u0431\u043c\u0435\u043d\u043d\u044b\u043c\u0438 \u043a\u0443\u0440\u0441\u0430\u043c\u0438<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0414\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0431\u043b\u043e\u043a\u0438\u0440\u043e\u0432\u043a\u0430 \u043e\u043a\u043e\u043d \u043e\u043f\u0442\u0438\u043c\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043e\u0431\u043c\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u0443\u0440\u0441\u0430 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0441\u0438\u0441\u0442\u0435\u043c\u0430 ForexEdge \u043e\u0442 HDFC Bank)<\/li>\n<li>\u042d\u043a\u043e\u043d\u043e\u043c\u0438\u044f \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 1,2%-1,8% \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c\u0438 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c\u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u0430\u043c\u0438 \u043d\u0430 \u043e\u0431\u043c\u0435\u043d \u0432\u0430\u043b\u044e\u0442\u044b<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>\u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 FEMA \u043a \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u0438 (GSTIN, \u043a\u043e\u0434\u044b IEC \u0438 \u0442.\u0434.)<\/li>\n<li>\u0422\u0430\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b, \u043a\u0430\u043a Razorpay, \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0442 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443 \u043d\u0430 \u043f\u0440\u0435\u0434\u043c\u0435\u0442 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u0430 \u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u043e\u0442\u043a\u0430\u0437\u043e\u0432 \u043d\u0435 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0435\u0442 0,3%.<\/li>\n<\/ul>\n<p><strong>II. \u041f\u0443\u0442\u0438 \u0440\u0435\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/strong><\/p>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a TD<br>\r\nA[Enterprise ERP System] --&gt;|API Calls| B(\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0433\u043e \u0448\u043b\u044e\u0437\u0430)<br>\r\nB --&gt; C {\u043c\u0430\u0440\u0448\u0440\u0443\u0442\u043d\u043e\u0435 \u0441\u0443\u0436\u0434\u0435\u043d\u0438\u0435}<br>\r\nC --&gt; |Large Transaction| D[SWIFT Channel]<br>\r\nC --&gt; |\u0421\u0440\u0435\u0434\u043d\u0438\u0435 \u0438 \u043c\u0435\u043b\u043a\u0438\u0435 \u0441\u0434\u0435\u043b\u043a\u0438| E [\u041b\u043e\u043a\u0430\u043b\u044c\u043d\u0430\u044f \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u0441\u0435\u0442\u044c]<br>\r\nD &amp; E --&gt; F [\u043c\u043e\u0434\u0443\u043b\u044c \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0432\u044b\u0432\u0435\u0440\u043a\u0438]<br>\r\nF --&gt; G [\u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 T+3 \u0434\u043d\u0435\u0439]<br>\r\n<\/code><\/pre>\n<p><strong>III. \u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u0437\u0430\u0442\u0440\u0430\u0442<\/strong><\/p>\n<ol>\n<li>\u0421\u0442\u0443\u043f\u0435\u043d\u0447\u0430\u0442\u0430\u044f \u043c\u043e\u0434\u0435\u043b\u044c \u043e\u043f\u043b\u0430\u0442\u044b (\u043f\u0440\u0438\u043c\u0435\u0440: PhonePe \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u0441\u0442\u0430\u0432\u043a\u0443 0,5% \u0434\u043b\u044f \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0441 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u043c \u043f\u043e\u0442\u043e\u043a\u043e\u043c \u0431\u043e\u043b\u0435\u0435 $50 000)<\/li>\n<li>\u0418\u0437\u0431\u0435\u0433\u0430\u0439\u0442\u0435 \u0432\u043e\u0437\u0432\u0440\u0430\u0442\u043e\u0432 \u0431\u0430\u043d\u043a\u043e\u0432-\u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u043e\u0432 \u043f\u0440\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0438 \u0441\u0447\u0435\u0442\u043e\u0432 Vostro (\u043f\u0440\u0438 \u0443\u0441\u043b\u043e\u0432\u0438\u0438 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0441 \u0443\u043f\u043e\u043b\u043d\u043e\u043c\u043e\u0447\u0435\u043d\u043d\u044b\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438, \u0442\u0430\u043a\u0438\u043c\u0438 \u043a\u0430\u043a Axis).<\/li>\n<\/ol>\n<p><strong>IV. \u041f\u0443\u043d\u043a\u0442\u044b \u043f\u0440\u0435\u0434\u043e\u0442\u0432\u0440\u0430\u0449\u0435\u043d\u0438\u044f \u0440\u0438\u0441\u043a\u043e\u0432<\/strong><\/p>\n<ol>\n<li>\u0414\u043e\u043b\u0436\u0435\u043d \u043f\u0440\u043e\u0432\u0435\u0440\u044f\u0442\u044c \u043f\u043e\u0434\u043b\u0438\u043d\u043d\u043e\u0441\u0442\u044c \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u043e PAN-\u043a\u0430\u0440\u0442\u0435 \u043f\u043b\u0430\u0442\u0435\u043b\u044c\u0449\u0438\u043a\u0430<\/li>\n<li>RBI \u0432\u0432\u043e\u0434\u0438\u0442 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0435 \u0432 200 000 \u0440\u0443\u043f\u0438\u0439 (\u043e\u043a\u043e\u043b\u043e 2400 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432) \u043d\u0430 \u043e\u0434\u0438\u043d UPI-\u043f\u043b\u0430\u0442\u0435\u0436, \u0430 \u0434\u043b\u044f \u0431\u043e\u043b\u0435\u0435 \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u0441\u0443\u043c\u043c \u0432\u0432\u043e\u0434\u0438\u0442\u0441\u044f \u0434\u0440\u043e\u0431\u043b\u0435\u043d\u0438\u0435<br \/>\n3. \u041d\u0430\u043b\u043e\u0433\u043e\u0432\u044b\u0439 \u0440\u0435\u0436\u0438\u043c \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u0430 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0433\u043e \u043d\u0430\u0447\u0438\u0441\u043b\u0435\u043d\u0438\u044f \u0413\u0421\u0422 (\u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0435 \u043d\u0430\u0447\u0438\u0441\u043b\u0435\u043d\u0438\u0435)<\/li>\n<\/ol>\n<p>\u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u043b\u0438\u0434\u0438\u0440\u0443\u044e\u0449\u0438\u0445 \u043d\u0430 \u0440\u044b\u043d\u043a\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0439:<br \/>\n\u2502\u041f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u2502\u0421\u043a\u043e\u0440\u043e\u0441\u0442\u044c \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432\u2502\u041f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u043c\u044b\u0435 \u0432\u0430\u043b\u044e\u0442\u044b \u2502\u041c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u0430\u044f \u0441\u0442\u0430\u0432\u043a\u0430\u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502PayU \u2502T+2 \u250212 \u0442\u0438\u043f\u043e\u0432 \u25020,75% \u2502<br \/>\n\u2502Instamojo\u2502T+1 \u2502INR-only \u25020,5% Starting \u2502<br \/>\n\uff5cAirwallex\uff5c\u0420\u0435\u0430\u043b\u044c\u043d\u044b\u0439 \u0434\u0435\u043f\u043e\u0437\u0438\u0442\uff5c17 \u0412\u0430\u043b\u044e\u0442\u0430\uff5c0 \u0412\u0430\u043b\u044e\u0442\u043d\u0430\u044f \u043d\u0430\u0446\u0435\u043d\u043a\u0430<\/p>\n<p>\u042d\u043a\u0441\u043f\u043e\u0440\u0442\u0435\u0440\u0430\u043c \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0435\u0435 \u0444\u0443\u043d\u043a\u0446\u0438\u0438 \"\u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0439 \u0442\u0430\u043c\u043e\u0436\u0435\u043d\u043d\u043e\u0439 \u043e\u0447\u0438\u0441\u0442\u043a\u0438\" \u0438 \"\u0432\u044b\u043f\u0443\u0441\u043a\u0430 \u0441 \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u043e\u0439 \u043a \u043a\u043e\u043d\u043e\u0441\u0430\u043c\u0435\u043d\u0442\u0443\", \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0441\u0447\u0435\u0442 ExportPlus \u043e\u0442 ICICI Bank \u0441 API \u0434\u043b\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0442\u0440\u0435\u0442\u044c\u0438\u0445 \u0441\u0442\u043e\u0440\u043e\u043d, \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043a\u043e\u0442\u043e\u0440\u043e\u0433\u043e \u043c\u043e\u0436\u043d\u043e \u0434\u043e\u0431\u0438\u0442\u044c\u0441\u044f \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u044f \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430 \u0431\u043e\u043b\u0435\u0435 \u0447\u0435\u043c \u043d\u0430 40%. \u041d\u043e\u0432\u044b\u043c \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c \u0441\u043b\u0435\u0434\u0443\u0435\u0442 \u043f\u043e\u043c\u043d\u0438\u0442\u044c \u043e \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u0437\u0430\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f KYC, \u043d\u043e\u0442\u0430\u0440\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0437\u0430\u0432\u0435\u0440\u0435\u043d\u0438\u044f \u043f\u0430\u0441\u043f\u043e\u0440\u0442\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0438 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u0438 MSME (\u0435\u0441\u043b\u0438 \u044d\u0442\u043e \u0442\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u0434\u043b\u044f \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0441\u0442\u0430\u0432\u043e\u043a).<\/p>\n<p>\u041d\u0438\u0436\u0435 \u043f\u0440\u0438\u0432\u043e\u0434\u0438\u0442\u0441\u044f \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u043d\u0430\u044f \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0438 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u043e \u043f\u043e \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u043d\u043e-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 \u0432 \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u043c \u0448\u043b\u044e\u0437\u0435, \u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0435 \u043d\u0430 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0435 \u0440\u0430\u0437\u0434\u0435\u043b\u044b<strong>\u041e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u044f \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u0430<\/strong>, \u0438<strong>\u0423\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u0435 \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044f \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430<\/strong>\u043e\u0442\u0432\u0435\u0442\u0438\u0442\u044c \u043f\u0435\u043d\u0438\u0435\u043c<strong>\u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u044d\u043a\u043e\u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u0438<\/strong>\u0420\u0430\u0437\u0432\u043e\u0440\u0430\u0447\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0442\u0440\u0438 \u0438\u0437\u043c\u0435\u0440\u0435\u043d\u0438\u044f:<\/p>\n<hr>\n<h3><strong>I. \u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u0433\u043b\u0443\u0431\u043e\u043a\u043e\u0439 \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0439 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u0438<\/strong><\/h3>\n<h4>1. <strong>\u041f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438 \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438<\/strong><\/h4>\n<ul>\n<li><strong>\u0418\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0430\u044f \u0431\u0438\u043b\u043b\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430<\/strong>: \u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043d\u0430\u0437\u043d\u0430\u0447\u0435\u043d\u0438\u0435 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u043e\u0432 \u0441\u0431\u043e\u0440\u0430 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0430\u043b\u0433\u043e\u0440\u0438\u0442\u043c\u0430\n<pre><code class=\"language-python\">\u041f\u0440\u0438\u043c\u0435\u0440 \u043f\u0441\u0435\u0432\u0434\u043e\u043a\u043e\u0434\u0430 #: \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u0430\u044f \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u044f \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0430\/\u0432\u0440\u0435\u043c\u0435\u043d\u0438<br>\r\ndef payment_router(amount, buyer_type).<br>\r\n    \u0435\u0441\u043b\u0438 \u0441\u0443\u043c\u043c\u0430 &gt; 200000 \u0438 \u0442\u0438\u043f \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044f == 'B2B'.<br>\r\n        return 'SWIFT+\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0440\u0430\u0441\u043f\u0438\u0441\u043a\u0430'<br>\r\n    elif \u0441\u0443\u043c\u043c\u0430 &lt; 50000.<br>\r\n        return 'UPI Instant Billing'<br>\r\n    \u0435\u0449\u0435.<br>\r\n        return '\u041b\u0438\u043a\u0432\u0438\u0434\u0430\u0446\u0438\u044f NEFT+T+1'<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\u0421\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0442\u0430\u0431\u043b\u0438\u0446\u0430 \u0444\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u044d\u0444\u0444\u0435\u043a\u0442\u0430<\/strong>::<br \/>\n\u2502\u0420\u0430\u0437\u043c\u0435\u0440 \u0441\u0434\u0435\u043b\u043a\u0438 \u2502\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u043e\u0433\u043e \u043f\u043e\u0434\u0445\u043e\u0434\u0430\u2502\u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0440\u0430\u0437\u0443\u043c\u043d\u043e\u0439 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438\u2502\u041c\u0430\u0440\u0436\u0430 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0438\u2502<br \/>\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502&lt;<x-equation>5k \u2502<\/x-equation>35 \u2502<x-equation>1,2 \u250296% \u2502 \u2502 \u2502<\/x-equation>5-50\u043a \u25020,8%+$20 \u25020,3% \u250262% \u2502<\/li>\n<\/ul>\n<h4>2. <strong>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0441\u0432\u044f\u0437\u0438 \u0432 \u0446\u0435\u043f\u043e\u0447\u043a\u0435 \u043f\u043e\u0441\u0442\u0430\u0432\u043e\u043a<\/strong><\/h4>\n<ul>\n<li><strong>\u0410\u043a\u0441\u0435\u043b\u0435\u0440\u0430\u0442\u043e\u0440 \u043f\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e B\/L<\/strong>:: \u041f\u0440\u0435\u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u043f\u043e \u0444\u0430\u043a\u0442\u0443 \u043f\u043e\u0441\u0442\u0430\u0432\u043a\u0438 \u2192 \u043e\u043f\u043b\u0430\u0442\u0430 \u043f\u043e \u0444\u0430\u043a\u0442\u0443 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0442\u0430\u043a\u0438\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432, \u043a\u0430\u043a PayLater<br \/>\n(\u041d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u0441 Kotak Mahindra Bank \u0438 \u0434\u0440. \u043f\u043e \u0433\u043e\u0434\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0435 \u043e\u043a\u043e\u043b\u043e TP3T-12%, \u0447\u0442\u043e \u043d\u0438\u0436\u0435 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u0433\u043e \u0444\u0430\u043a\u0442\u043e\u0440\u0438\u043d\u0433\u0430)<\/li>\n<\/ul>\n<hr>\n<h3><strong>II. \u0423\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u0435 \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044f \u043d\u0430\u043b\u043e\u0433\u043e\u0432\u043e\u0433\u043e \u0437\u0430\u043a\u043e\u043d\u043e\u0434\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430<\/strong><\/h3>\n<h4>1. \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043f\u043e\u0442\u043e\u043a \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u043e\u0431\u0440\u0430\u0442\u043d\u043e\u0433\u043e \u043d\u0430\u043b\u043e\u0433\u0430 GST<\/h4>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a LR<br>\r\nA [\u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u044c \u043f\u043b\u0430\u0442\u0438\u0442] --&gt; B {\u0441\u0443\u043c\u043c\u0430 &gt; 10 \u043b\u0430\u043a\u0445\u043e\u0432?}<br>\r\nB --&gt;|Yes| C [\u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0432\u044b\u0447\u0435\u0442 18% IGST]<br>\r\nB --&gt; |\u041d\u0435\u0442| D [\u043e\u0442\u043c\u0435\u0447\u0435\u043d\u0430 \u043a\u0430\u043a \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u044f, \u043f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u0430\u044f \u043a \u0420\u041a\u041c]<br>\r\nC &amp; D --&gt; E [\u0421\u043e\u0437\u0434\u0430\u0442\u044c \u043e\u0442\u0447\u0435\u0442 GSTR-1\/3B]<br>\r\n<\/code><\/pre>\n<h4>2. <strong>\u0421\u043f\u0438\u0441\u043e\u043a \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0434\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u043e\u0432<\/strong><\/h4>\n<ul>\n<li>\u0421\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0442 IEC (\u043a\u043e\u0434 \u0438\u043c\u043f\u043e\u0440\u0442\u0430-\u044d\u043a\u0441\u043f\u043e\u0440\u0442\u0430)<\/li>\n<li>\u0417\u0430\u044f\u0432\u043b\u0435\u043d\u0438\u0435 \u043e\u0431 \u043e\u0441\u0432\u043e\u0431\u043e\u0436\u0434\u0435\u043d\u0438\u0438 \u043e\u0442 \u043d\u0430\u043b\u043e\u0433\u043e\u0432 LUT (Letter of Undertaking)<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>India Payment Gateway \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u044d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u044b\u0435 \u0438 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0447\u043d\u044b\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u043f\u043e \u0441\u0431\u043e\u0440\u0443 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0434\u043b\u044f \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u043d\u043e-\u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445...<\/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":[6],"tags":[],"class_list":["post-2494","post","type-post","status-publish","format-standard","hentry","category-6"],"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>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f - 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\/ru\/2025\/05\/10\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u4e3a\u51fa\u53e3\u578b\u4f01\u4e1a\u63d0\u4f9b\u4e86\u9ad8\u6548\u3001\u4f4e\u6210\u672c\u7684\u8de8\u5883\u6536\u6b3e\u89e3\u51b3\u65b9\u6848&hellip;\" \/>\n<meta property=\"og:url\" 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