{"id":2540,"date":"2025-05-11T12:00:27","date_gmt":"2025-05-11T04:00:27","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2540"},"modified":"2025-05-11T12:00:27","modified_gmt":"2025-05-11T04:00:27","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%8e%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%9a%84%e6%b7%b1%e5%ba%a6%e6%95%b4%e5%90%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/11\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e4%b8%8e%e7%a7%bb%e5%8a%a8%e6%94%af%e4%bb%98%e7%9a%84%e6%b7%b1%e5%ba%a6%e6%95%b4%e5%90%88\/","title":{"rendered":"\u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c \u0438 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0418\u043d\u0434\u0438\u0438"},"content":{"rendered":"

\"\u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f<\/p>\n

\u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u043e\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0438 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 - \u0432\u0430\u0436\u043d\u043e\u0435 \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u0435 \u0432 \u0441\u0435\u043a\u0442\u043e\u0440\u0435 \u0444\u0438\u043d\u0442\u0435\u0445\u0430 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b, \u0430 \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f, \u043c\u0430\u0441\u0448\u0442\u0430\u0431 \u0438 \u0441\u043f\u043e\u0441\u043e\u0431 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u0439 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0442 \u043c\u0438\u0440\u043e\u0432\u044b\u043c \u043c\u0430\u0441\u0448\u0442\u0430\u0431\u0430\u043c. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u044b \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438, \u044d\u043a\u043e\u043b\u043e\u0433\u0438\u0438 \u0440\u044b\u043d\u043a\u0430, \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u043f\u0440\u043e\u0434\u0432\u0438\u0436\u0435\u043d\u0438\u044f \u0438 \u043f\u0440\u043e\u0431\u043b\u0435\u043c:<\/p>\n

\n

I. \u041a\u043e\u043d\u0432\u0435\u0440\u0433\u0435\u043d\u0446\u0438\u044f \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b<\/h3>\n
    \n
  1. \n

    \u0422\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u0440\u043e\u0440\u044b\u0432\u044b \u0432 UPI (\u0443\u043d\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0438\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441)<\/strong><\/p>\n

      \n
    • \u041f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u0432\u043e\u0437\u0433\u043b\u0430\u0432\u043b\u044f\u0435\u043c\u0430\u044f \u0420\u0435\u0437\u0435\u0440\u0432\u043d\u044b\u043c \u0431\u0430\u043d\u043a\u043e\u043c \u0418\u043d\u0434\u0438\u0438 (RBI), UPI \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442 \u043c\u043d\u043e\u0433\u043e\u0443\u0440\u043e\u0432\u043d\u0435\u0432\u0443\u044e \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0443 API \u0434\u043b\u044f \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 (T+0) \u043c\u0435\u0436\u0434\u0443 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c\u0438 \u0441\u0447\u0435\u0442\u0430\u043c\u0438 \u0438 \u0443\u0436\u0435 \u043f\u0440\u0435\u0432\u044b\u0441\u0438\u043b\u0430 400 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 \u0434\u0435\u043d\u044c (\u0434\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 2023 \u0433\u043e\u0434).<\/li>\n
    • \u0423\u043d\u0438\u043a\u0430\u043b\u044c\u043d\u044b\u0439 \u0434\u0438\u0437\u0430\u0439\u043d \"\u0412\u0438\u0440\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0433\u043e \u0430\u0434\u0440\u0435\u0441\u0430\" (VPA) \u0437\u0430\u043c\u0435\u043d\u044f\u0435\u0442 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u0443\u044e \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044e \u043e \u0441\u0447\u0435\u0442\u0435 \u0438 \u0441\u043d\u0438\u0436\u0430\u0435\u0442 \u043f\u043e\u0440\u043e\u0433 \u0434\u043b\u044f \u0440\u0430\u0431\u043e\u0442\u044b \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u044f, \u043b\u0435\u0436\u0430\u0449\u0430\u044f \u0432 \u043e\u0441\u043d\u043e\u0432\u0435 Aadhaar<\/strong><\/p>\n

        \n
      • \u0417\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 KYC \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 12-\u0437\u043d\u0430\u0447\u043d\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0438\u0434\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u0441\u043e\u043a\u0440\u0430\u0449\u0430\u0435\u0442 \u0432\u0440\u0435\u043c\u044f \u043e\u0442\u043a\u0440\u044b\u0442\u0438\u044f \u0441\u0447\u0435\u0442\u0430 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 \u0441 48 \u0447\u0430\u0441\u043e\u0432 \u0434\u043e 90 \u0441\u0435\u043a\u0443\u043d\u0434. \u0422\u0430\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b, \u043a\u0430\u043a Paytm, \u0443\u0432\u0438\u0434\u0435\u043b\u0438, \u0447\u0442\u043e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0434\u043e\u0431\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u043d\u043e\u0432\u044b\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e Aadhaar e-KYC \u0441\u043d\u0438\u0437\u0438\u043b\u0430\u0441\u044c \u043d\u0430 801 TP3T.<\/li>\n<\/ul>\n<\/li>\n
      • \n

        \u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0441\u0438\u0441\u0442\u0435\u043c\u044b NACH \u0441 BBPS<\/strong><\/p>\n

          \n
        • \u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u043f\u0430\u043b\u0430\u0442\u0430 (NACH) \u043e\u0431\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u0435\u0442 \u043f\u0435\u0440\u0438\u043e\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u0430 \u0441\u0438\u0441\u0442\u0435\u043c\u0430 Bharat Bill Payment System (BBPS) \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0438\u0440\u0443\u0435\u0442 \u043f\u0440\u043e\u0446\u0435\u0441\u0441 \u043e\u043f\u043b\u0430\u0442\u044b \u043a\u043e\u043c\u043c\u0443\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u0443\u0441\u043b\u0443\u0433. \u041c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u043e\u0431\u0440\u0430\u0449\u0430\u044e\u0442\u0441\u044f \u043a \u044d\u0442\u0438\u043c \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430\u043c \u0447\u0435\u0440\u0435\u0437 API \u0434\u043b\u044f \u0434\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u044f \u043f\u043e\u043b\u043d\u043e\u0433\u043e \u043e\u0445\u0432\u0430\u0442\u0430 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0435\u0432.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
          \n

          II. \u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u044b\u0435 \u0438\u0433\u0440\u044b \u0443\u0447\u0430\u0441\u0442\u043d\u0438\u043a\u043e\u0432 \u0440\u044b\u043d\u043a\u0430<\/h3>\n\n\n\n\n\n\n\n\n
          \u0422\u0438\u043f \u0438\u0433\u0440\u043e\u043a\u0430<\/strong><\/th>\n\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u0438-\u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u0438<\/strong><\/th>\n\u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043f\u043e\u0437\u0438\u0446\u0438\u043e\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435<\/strong><\/th>\n<\/tr>\n<\/thead>\n
          \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430<\/td>\nSBI Yono, iMobile<\/td>\n\u0423\u0447\u0430\u0441\u0442\u043d\u0438\u043a \u0443\u0437\u043b\u0430 UPI, \u043e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043d\u0430 \u043e\u0446\u0438\u0444\u0440\u043e\u0432\u043a\u0443 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432 \u0441\u043a\u043b\u0430\u0434\u0430<\/td>\n<\/tr>\n
          \u0415\u0434\u0438\u043d\u043e\u0440\u043e\u0433 FinTech<\/td>\nPaytm, PhonePe<\/td>\n\u041c\u043e\u0434\u0435\u043b\u044c Super App \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u044f\u0435\u0442 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0443\u044e \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044e\/\u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438<\/td>\n<\/tr>\n
          \u043c\u0438\u0440\u043e\u0432\u043e\u0439 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0433\u0438\u0433\u0430\u043d\u0442<\/td>\nGoogle Pay (Tez), WhatsApp Pay<\/td>\n\u0417\u0430\u0445\u0432\u0430\u0442 \u0440\u044b\u043d\u043a\u0430 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 P2P \u0437\u0430 \u0441\u0447\u0435\u0442 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u0442\u0440\u0430\u0444\u0438\u043a\u0430<\/td>\n<\/tr>\n
          \u0422\u0435\u043b\u0435\u043a\u043e\u043c\u043c\u0443\u043d\u0438\u043a\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a Jio<\/td>\nJioMoney<\/td>\n\u041e\u043f\u043b\u0430\u0442\u0430 \u0447\u0435\u0440\u0435\u0437 SIM-\u043a\u0430\u0440\u0442\u0443 + \u0441\u0435\u0442\u044c \u0430\u0432\u0442\u043e\u043d\u043e\u043c\u043d\u044b\u0445 \u0430\u0433\u0435\u043d\u0442\u043e\u0432<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
            \n
          • \u0442\u0438\u043f\u0438\u0447\u043d\u044b\u0439 \u0441\u043b\u0443\u0447\u0430\u0439<\/strong>:: PhonePe \u0432\u043d\u0435\u0434\u0440\u044f\u0435\u0442 \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0435 QR-\u043a\u043e\u0434\u044b \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043e\u0444\u043b\u0430\u0439\u043d-\u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0438 \u0432 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0439 \u043c\u0435\u0441\u0442\u043d\u043e\u0441\u0442\u0438 \u0434\u043b\u044f \u043c\u0430\u043b\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439<\/li>\n<\/ul>\n
            \n

            III. \u0418\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u0431\u0430\u043b\u0430\u043d\u0441 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0439 \u0431\u0430\u0437\u044b<\/h3>\n
              \n
            1. \n

              \u041f\u0440\u043e\u0433\u0440\u0435\u0441\u0441\u0438\u0432\u043d\u043e\u0435 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 RBI<\/strong><\/p>\n

                \n
              • NPCI \u0443\u0441\u0442\u0430\u043d\u0430\u0432\u043b\u0438\u0432\u0430\u0435\u0442 \u043b\u0438\u043c\u0438\u0442 \u0434\u043e\u043b\u0438 \u0440\u044b\u043d\u043a\u0430 \u0432 30% \u0434\u043b\u044f \u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0438\u0445 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439 (\u0434\u043b\u044f \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u0438\u0433\u0440\u043e\u043a\u043e\u0432, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a Google Pay)<\/li>\n
              • \u041c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \"\u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u044b\" \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0432\u0438\u0434\u044b \u0431\u0438\u0437\u043d\u0435\u0441\u0430, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b<\/li>\n<\/ul>\n<\/li>\n
              • \n

                \u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u0441\u0443\u0432\u0435\u0440\u0435\u043d\u0438\u0442\u0435\u0442\u0443 \u0434\u0430\u043d\u043d\u044b\u0445<\/strong><\/p>\n

                  \n
                • \u0417\u0430\u043a\u043e\u043d \u043e \u0437\u0430\u0449\u0438\u0442\u0435 \u043f\u0435\u0440\u0441\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0445 \u0434\u0430\u043d\u043d\u044b\u0445 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0445\u0440\u0430\u043d\u0438\u0442\u044c \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u043e<\/li>\n
                • \u0421\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0443 PCI-DSS \u0441\u0442\u0430\u043d\u043e\u0432\u0438\u0442\u0441\u044f \u0431\u0430\u0440\u044c\u0435\u0440\u043e\u043c \u0434\u043b\u044f \u0432\u0445\u043e\u0434\u0430 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a<\/li>\n<\/ul>\n<\/li>\n
                • \n

                  \u0421\u0442\u0438\u043c\u0443\u043b\u044b \u0434\u043b\u044f \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u044f \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u043a \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u043c \u0443\u0441\u043b\u0443\u0433\u0430\u043c<\/strong>
                  \n\u041f\u043e\u043b\u0438\u0442\u0438\u043a\u0430 \u043d\u0443\u043b\u0435\u0432\u043e\u0433\u043e \u041c\u0420\u041e\u0422 \u043e\u0441\u0432\u043e\u0431\u043e\u0436\u0434\u0430\u0435\u0442 \u043c\u0438\u043a\u0440\u043e- \u0438 \u043c\u0435\u043b\u043a\u0438\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432 \u043e\u0442 \u043f\u043b\u0430\u0442\u044b \u0437\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438
                  \n\u0421\u0443\u0431\u0441\u0438\u0434\u0438\u0438 \u043f\u043e \u0441\u0445\u0435\u043c\u0435 PMJDY \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b \u0434\u043b\u044f \u0430\u0433\u0435\u043d\u0442\u043e\u0432 \u0432 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0439 \u043c\u0435\u0441\u0442\u043d\u043e\u0441\u0442\u0438<\/p>\n<\/li>\n<\/ol>\n

                  \n

                  IV. \u0421\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u0431\u043e\u043b\u0435\u0432\u044b\u0435 \u0442\u043e\u0447\u043a\u0438 \u0438 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u044d\u0432\u043e\u043b\u044e\u0446\u0438\u0438<\/h3>\n
                    \n
                  1. \u0430\u043d\u0430\u043b\u0438\u0437 \u0443\u0437\u043a\u0438\u0445 \u043c\u0435\u0441\u0442<\/strong>\n
                      \n
                    • \u041a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u0443\u0441\u043f\u0435\u0448\u043d\u043e\u0441\u0442\u0438 UPI \u0441\u043d\u0438\u0436\u0430\u0435\u0442\u0441\u044f \u0434\u043e 921 TP3T \u0432 \u0447\u0430\u0441\u044b \u043f\u0438\u043a (\u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 981 TP3T \u0432 \u0434\u0435\u043d\u044c).
                      \n\u041d\u0435\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u0441\u0435\u0440\u0432\u0438\u0441\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 (USSD) \u0432\u0441\u0435 \u0435\u0449\u0435 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442\u0441\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c\u0438 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u043e\u0432, \u043d\u043e \u0438\u0445 \u043e\u043f\u044b\u0442 \u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u0436\u0435\u043b\u0430\u0442\u044c \u043b\u0443\u0447\u0448\u0435\u0433\u043e<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

                      2. \u0421\u0445\u0435\u043c\u0430 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438 \u043d\u043e\u0432\u043e\u0433\u043e \u043f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u044f:<\/p>\n

                      \u0433\u0440\u0430\u0444\u0438\u043a LR 
                      \r\nA [\u0441\u0435\u0442\u044c 5G SA] --> B [\u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0432 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0438]
                      \r\nC[eRupee CBDC] --> D[Programmable Payroll]
                      \r\nE [\u041d\u044e\u0430\u043d\u0441\u044b \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0432\u0435\u0442\u0440\u043e\u043c AI] --> F [\u0413\u043e\u043b\u043e\u0441\u043e\u0432\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0434\u0438\u0430\u043b\u0435\u043a\u0442\u043e\u0432]
                      \r\n<\/code><\/pre>\n
                      \n
                      V. \u041f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439:
                      \n1. \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0432\u0445\u043e\u0434\u0430: \u0441\u043b\u0435\u0434\u0443\u0435\u0442 \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u0441 \u043c\u0435\u0441\u0442\u043d\u044b\u043c\u0438 NBFC \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0438, \u0447\u0442\u043e\u0431\u044b \u0438\u0437\u0431\u0435\u0436\u0430\u0442\u044c \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0439 \u043d\u0430 \u041f\u0418\u0418;
                      \n2. \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0430\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u044f: \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0442\u044c \u0432\u0441\u0435 \u043e\u0442\u043a\u0440\u044b\u0442\u044b\u0435 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u044b API Indiastack;
                      \n3. \u043f\u0440\u0438 \u0432\u044b\u0431\u043e\u0440\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442 \u043e\u0442\u0434\u0430\u0435\u0442\u0441\u044f \u0431\u044b\u0441\u0442\u0440\u043e\u0440\u0430\u0441\u0442\u0443\u0449\u0438\u043c \u0432\u0435\u0440\u0442\u0438\u043a\u0430\u043b\u044f\u043c, \u0442\u0430\u043a\u0438\u043c \u043a\u0430\u043a \u043e\u043f\u043b\u0430\u0442\u0430 \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u0438\u043b\u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b;<\/p>\n
                      \u0422\u0430\u043a\u0430\u044f \u0433\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u043c\u0435\u043d\u044f\u0435\u0442 \u0445\u0430\u0440\u0430\u043a\u0442\u0435\u0440 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u043e\u0442\u043e\u043a\u043e\u0432 \u0432 \u0418\u043d\u0434\u0438\u0438 - \u043f\u043e \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u0430\u043c BCG, \u043a 2026 \u0433\u043e\u0434\u0443 \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 \u0431\u0443\u0434\u0435\u0442 \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u044c\u0441\u044f 65% \u0431\u0435\u0437\u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439, \u0430 UPI \u043c\u043e\u0436\u0435\u0442 \u0440\u0430\u0441\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0438\u0442\u044c\u0441\u044f \u043d\u0430 \u0442\u0430\u043a\u0438\u0435 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u0440\u044b\u043d\u043a\u0438, \u043a\u0430\u043a \u0421\u0438\u043d\u0433\u0430\u043f\u0443\u0440 \u0438 \u041e\u0410\u042d, \u0438 \u0441\u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0435 \u0432\u043b\u0438\u044f\u043d\u0438\u0435.<\/p>\n
                      \u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c \u0438 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0432 \u0418\u043d\u0434\u0438\u0438 (\u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0435\u043d\u0438\u0435)<\/strong><\/h3>\n
                      V. \u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0438 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u0435 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e<\/strong><\/h4>\n
                        \n
                      1. \n
                        \u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0433\u043b\u043e\u0431\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438 UPI<\/strong><\/p>\n
                          \n
                        • Singapore PayNow-UPI Interconnection: \u0437\u0430\u043f\u0443\u0441\u043a \u0432 \u0444\u0435\u0432\u0440\u0430\u043b\u0435 2023 \u0433\u043e\u0434\u0430 \u0434\u043b\u044f \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u0435\u043d\u0438\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 (\u043b\u0438\u043c\u0438\u0442 1 000 \u0441\u0438\u043d\u0433\u0430\u043f\u0443\u0440\u0441\u043a\u0438\u0445 \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432\/\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044f).<\/li>\n
                        • \u041f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0439 \u0434\u043e\u0441\u0442\u0443\u043f \u043a \u041e\u0410\u042d: \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0445 \u044d\u043a\u0441\u043f\u0430\u0442\u043e\u0432 \u0437\u0430\u043d\u0438\u043c\u0430\u044e\u0442 \u043f\u0435\u0440\u0432\u043e\u0435 \u043c\u0435\u0441\u0442\u043e \u0432 \u043c\u0438\u0440\u0435 ($89 \u043c\u043b\u0440\u0434 \u043a 2022 \u0433\u043e\u0434\u0443), NPCI \u0442\u0435\u0441\u0442\u0438\u0440\u0443\u0435\u0442 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u044b Ripple, \u0447\u0442\u043e\u0431\u044b \u0441\u043d\u0438\u0437\u0438\u0442\u044c \u0437\u0430\u0432\u0438\u0441\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0442 SWIFT.<\/li>\n<\/ul>\n<\/li>\n
                        • \n
                          \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u0430\u044f \u044d\u043a\u0441\u043f\u0430\u043d\u0441\u0438\u044f \u043a\u0430\u0440\u0442 RuPay<\/strong><\/p>\n
                            \n
                          • \u041e\u0445\u0432\u0430\u0442 POS-\u0442\u0435\u0440\u043c\u0438\u043d\u0430\u043b\u0430\u043c\u0438 \u0432 \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438 \u0438 \u043d\u0430 \u0411\u043b\u0438\u0436\u043d\u0435\u043c \u0412\u043e\u0441\u0442\u043e\u043a\u0435 \u0434\u043e\u0441\u0442\u0438\u0433 65%, \u0430 \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0441\u043d\u0438\u0436\u0435\u043d\u0438\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 Visa\/MC \u0432\u044b\u043d\u0443\u0436\u0434\u0430\u0435\u0442 \u044d\u043a\u0432\u0430\u0439\u0435\u0440\u043e\u0432 \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u044c RuPay.<\/li>\n<\/ul>\n<\/li>\n
                          • \n
                            \u041e\u043a\u043d\u043e \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0435\u0439 \u0434\u043b\u044f \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439<\/strong><\/p>\n
                              \n
                            • \u041c\u043e\u0434\u0435\u043b\u044c \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 Alipay + \u043c\u0435\u0436\u0431\u0430\u043d\u043a \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0430, \u043d\u043e Huawei \u043e\u0431\u0445\u043e\u0434\u0438\u0442 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043d\u044b\u0435 \u0431\u0430\u0440\u044c\u0435\u0440\u044b, \u043f\u0440\u0435\u0434\u0443\u0441\u0442\u0430\u043d\u0430\u0432\u043b\u0438\u0432\u0430\u044f \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u043d\u0430 \u0443\u0440\u043e\u0432\u043d\u0435 \u0443\u0441\u0442\u0440\u043e\u0439\u0441\u0442\u0432 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, BHIM UPI);<\/li>\n
                            • \u041f\u0440\u0438 \u0432\u044b\u0445\u043e\u0434\u0435 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a TikTok Pay \u043f\u0440\u0438\u0434\u0435\u0442\u0441\u044f \u0441\u0442\u043e\u043b\u043a\u043d\u0443\u0442\u044c\u0441\u044f \u0441 \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u043e\u0439 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u044f \u0434\u0430\u043d\u043d\u044b\u0445.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                              \n
                              VI. \u0422\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u043e\u0442\u043e\u043a\u0438 \u043d\u0430 \u0441\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0440\u044b\u043d\u043a\u0430\u0445<\/strong><\/h4>\n\n\n\n\n\n\n\n
                              \u0418\u0435\u0440\u0430\u0440\u0445\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f<\/strong><\/th>\n\u0432\u0435\u043a\u0442\u043e\u0440 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/strong><\/th>\n\u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u043b\u0443\u0447\u0430\u0439<\/strong><\/th>\n<\/tr>\n<\/thead>\n
                              \u0423\u0434\u043e\u0431\u043d\u044b\u0439 \u0438\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0434\u043b\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0433\u043e \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u044f<\/td>\n\u0413\u043e\u043b\u043e\u0441\u043e\u0432\u0430\u044f \u043e\u043f\u043b\u0430\u0442\u0430 IVR<\/td>\n\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0431\u0430\u043d\u043a Airtel<\/em> \u041c\u0435\u043d\u044e USSD<\/td>\n<\/tr>\n
                              \u0413\u0430\u0440\u0430\u043d\u0442\u0438\u044f \u043e\u0444\u043b\u0430\u0439\u043d-\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439<\/td>\nNFC-SIM-\u043a\u0430\u0440\u0442\u0430 \/ \u043f\u0440\u043e\u0442\u043e\u043a\u043e\u043b NUUP<\/td>\nJioMoney<\/em>\u041f\u0440\u043e\u0434\u0432\u0438\u0436\u0435\u043d\u0438\u0435 \u0430\u0433\u0435\u043d\u0442\u0430 \u043f\u043e \u0442\u043e\u0447\u043a\u0430\u043c<\/td>\n<\/tr>\n
                              \u0410\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u044f \u043a \u043d\u0435\u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043c\u043e\u0449\u043d\u043e\u0441\u0442\u0438<\/td>\n\u041c\u0438\u043a\u0440\u043e\u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 SMS<\/td>\n\u042d\u043a\u043e \u0424\u0438\u043d\u0430\u043d\u0441<\/em>\u0421\u0435\u0442\u044c \u0411\u0440\u0438\u0442\u0430\u043d\u0441\u043a\u043e\u0439 \u041a\u043e\u043b\u0443\u043c\u0431\u0438\u0438<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                                \n
                              • \u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u043f\u0440\u043e\u0440\u044b\u0432\u044b<\/strong><\/em>\u041a\u043e\u043c\u0431\u043e \"JioMart+JioPay\" \u043e\u0442 Reliance Jio \u043e\u0445\u0432\u0430\u0442\u0438\u0442 500 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0441 \u043f\u0440\u0435\u0434\u0443\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u043d\u044b\u043c\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u043c\u0438 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f\u043c\u0438 \u043d\u0430 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430\u0445 4G.<\/li>\n<\/ul>\n
                                \n
                                VII. \u041c\u0430\u0442\u0440\u0438\u0446\u0430 \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u043c\u043e\u043d\u0438\u0442\u043e\u0440\u0438\u043d\u0433\u0430 \u0440\u0438\u0441\u043a\u043e\u0432 \u0438 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f<\/strong><\/h4>\n
                                \u0431\u043b\u043e\u043a-\u0441\u0445\u0435\u043c\u0430 \u0422\u0414
                                \r\n    A [\u0432\u0438\u0434 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430] --> B [\u0430\u0442\u0430\u043a\u0430 \u043d\u0430 \u0441\u0438\u043d\u0442\u0435\u0442\u0438\u0447\u0435\u0441\u043a\u0443\u044e \u043b\u0438\u0447\u043d\u043e\u0441\u0442\u044c]
                                \r\n    A --> C [\u041f\u0435\u0440\u0435\u0445\u0432\u0430\u0442 QR-\u043a\u043e\u0434\u0430]
                                \r\n    D [\u041e\u0442\u0432\u0435\u0442] --> E [\u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u0435 \u0443\u044f\u0437\u0432\u0438\u043c\u043e\u0441\u0442\u0438]
                                \r\n    D --> F [\u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0448\u0438\u0444\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \"Token Vault\" NPCI].
                                \r\n<\/code><\/pre>\n
                                  \n
                                1. \u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u0439 \u0434\u0438\u0440\u0435\u043a\u0442\u0438\u0432\u044b RBI:\n
                                    \n
                                  • \u041e\u043f\u0435\u0440\u0430\u0442\u043e\u0440\u044b \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c (PSO) \u0434\u043e\u043b\u0436\u043d\u044b \u0432\u043d\u0435\u0434\u0440\u044f\u0442\u044c \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u044f \u0432\u044b\u0431\u0440\u043e\u0441\u043e\u0432, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 \u0438\u0441\u043a\u0443\u0441\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u043c \u0438\u043d\u0442\u0435\u043b\u043b\u0435\u043a\u0442\u0435;<\/li>\n
                                  • \u041b\u0438\u043c\u0438\u0442 \u0431\u0430\u043b\u0430\u043d\u0441\u0430 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 UPI Lite \u0441\u043a\u043e\u0440\u0440\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u043d \u0434\u043e \u20b92000, \u0447\u0442\u043e\u0431\u044b \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0440\u0438\u0441\u043a \u0438\u0441\u0442\u043e\u0449\u0435\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n
                                    \n
                                    VIII. \u041f\u0440\u043e\u0433\u043d\u043e\u0437 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u044f \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u043d\u0430 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0435 \u0442\u0440\u0438 \u0433\u043e\u0434\u0430<\/p>\n\n\n\n\n\n\n
                                    2024<\/th>\n2025-26<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
                                    \u0418\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0432 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u0441\u0447\u0435\u0442\u043e\u0432<\/td>\n- \u0417\u0430\u0432\u0435\u0440\u0448\u0435\u043d\u043e \u0438\u0441\u043f\u044b\u0442\u0430\u043d\u0438\u0435 \u043e\u043f\u0442\u043e\u0432\u043e\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0438 eRupee
                                    - \u0410\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0430 CBDC-VFA \u0441 \u043e\u0442\u043a\u0440\u044b\u0442\u044b\u043c \u0438\u0441\u0445\u043e\u0434\u043d\u044b\u043c \u043a\u043e\u0434\u043e\u043c<\/td>\n                                    		- RBI \u0432\u0432\u043e\u0434\u0438\u0442 \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0435 \u043e \u0432\u044b\u043f\u043b\u0430\u0442\u0435 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0439 \u0447\u0435\u0440\u0435\u0437 CBDC
                                    -\u041e\u0444\u043b\u0430\u0439\u043d \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u0440\u0443\u043f\u0438\u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \"NFC touch<\/td>\n<\/tr>\n
                                    \u0420\u0435\u043a\u043e\u043d\u0441\u0442\u0440\u0443\u043a\u0446\u0438\u044f \u043a\u0443\u043f\u0435\u0447\u0435\u0441\u043a\u043e\u0439 \u044d\u043a\u043e\u043b\u043e\u0433\u0438\u0438<\/td>\n- ONDC \u043e\u0442\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0441\u0435\u0442\u044c \u0434\u043b\u044f 3 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u043c\u0438\u043a\u0440\u043e- \u0438 \u043c\u0430\u043b\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432<\/td>\n- ARPU \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u0441\u044f \u0434\u043e8 (\u0442\u0435\u043a\u0443\u0449\u0438\u0439<\/x-equation>3) \u041f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u0435 \u0440\u0435\u043d\u0442\u0430\u0431\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u0443\u0441\u043b\u0443\u0433 \u0441 \u0434\u043e\u0431\u0430\u0432\u043b\u0435\u043d\u043d\u043e\u0439 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c\u044e<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                                    \n
                                    IX. \u0422\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u0434\u043b\u044f \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0445 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439, \u0432\u044b\u0445\u043e\u0434\u044f\u0449\u0438\u0445 \u0432 \u043c\u043e\u0440\u0435<\/p>\n
                                      \n
                                    1. \n
                                      \u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0438\u0437\u0431\u0435\u0436\u0430\u043d\u0438\u044f \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0439<\/strong><\/em>::<\/p>\n
                                        \n
                                      • \u0414\u043e\u043b\u044f \u0443\u0447\u0430\u0441\u0442\u0438\u044f \u0432 \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f\u0445 \u043d\u0435 \u0434\u043e\u043b\u0436\u043d\u0430 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u0442\u044c 49% (\u043a\u0440\u0430\u0441\u043d\u0430\u044f \u043b\u0438\u043d\u0438\u044f \u043b\u0438\u043c\u0438\u0442\u0430 \u041f\u0418\u0418);<\/li>\n<\/ul>\n<\/li>\n
                                      • \n
                                        \u0421\u043f\u0438\u0441\u043e\u043a \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0430\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u0439<\/strong><\/em>::<\/p>\n<\/li>\n<\/ol>\n
                                        \u041f\u0440\u0438\u043c\u0435\u0440 \u0432\u044b\u0437\u043e\u0432\u0430 API #: \u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u043f\u043e\u043b\u044f \u0434\u043b\u044f Stack India
                                        \r\ndef upi_payment_request().
                                        \r\n    \u043f\u043e\u043b\u0435\u0437\u043d\u0430\u044f \u043d\u0430\u0433\u0440\u0443\u0437\u043a\u0430 = {
                                        \r\n        \"vpa\": \"user@upi\". 
                                        \r\n        \"\u0441\u0443\u043c\u043c\u0430\": \"100.50\",
                                        \r\n        \"trnx_id\": uuid.uuid4().hex[:10], # NPCI \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044c\u043d\u044b\u0445 \u0441\u0443\u043c\u043c \u0443\u043d\u0438\u043a\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438
                                        \r\n        \"mandate_type\": \"recurring\" if recurring else None # BBPS Billing Essentials
                                        \r\n<\/code><\/pre>\n
                                        3.\u041f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442 \u0432\u044b\u0441\u043e\u043a\u043e\u043f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0442\u0440\u0430\u0441\u0441<\/strong><\/em>::<\/p>\n
                                        \n
                                        \ud83d\udccc B2B Supply Chain Finance > \ud83c\udfe5 HealthTech Pay Before You Earn > \u2708\ufe0f UPI Cross-Border Travel Prepaid Card<\/p>\n<\/blockquote>\n
                                        \u041f\u0440\u043e\u0434\u043e\u043b\u0436\u0430\u044e\u0449\u0430\u044f\u0441\u044f \u043a\u043e\u043d\u0441\u043e\u043b\u0438\u0434\u0430\u0446\u0438\u044f \u043f\u0440\u0438\u0432\u043e\u0434\u0438\u0442 \u043a \u043f\u043e\u044f\u0432\u043b\u0435\u043d\u0438\u044e \u0440\u0435\u0434\u043a\u043e\u0433\u043e \u0432 \u043c\u0438\u0440\u0435 \"\u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u0433\u043e \u0441\u0443\u043f\u0435\u0440\u0442\u0435\u043b\u0430\" - \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u0447\u0442\u043e \u043a 2030 \u0433\u043e\u0434\u0443 \u043a\u0430\u0436\u0434\u044b\u0439 \u0432\u0437\u0440\u043e\u0441\u043b\u044b\u0439 \u0436\u0438\u0442\u0435\u043b\u044c \u0418\u043d\u0434\u0438\u0438 \u0431\u0443\u0434\u0435\u0442 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u0442\u0440\u0438 \u0438\u043b\u0438 \u0431\u043e\u043b\u0435\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430, \u0430 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0430\u0446\u0438\u044f \u043d\u0430 \u0443\u0440\u043e\u0432\u043d\u0435 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u043c\u043e\u0436\u0435\u0442 \u0441\u0434\u0435\u043b\u0430\u0442\u044c \u0441\u0442\u0440\u0430\u043d\u0443 \u044d\u043a\u0441\u043f\u043e\u0440\u0442\u0435\u0440\u043e\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u043d\u0430 \u0440\u0430\u0437\u0432\u0438\u0432\u0430\u044e\u0449\u0438\u0435\u0441\u044f \u0440\u044b\u043d\u043a\u0438. \u042d\u043a\u0441\u043f\u043e\u0440\u0442.<\/p>","protected":false},"excerpt":{"rendered":"
                                        \u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0438\u043d\u0434\u0438\u0439\u0441\u043a\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c \u0441 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u043c\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u043c\u0438 \u0441\u0442\u0430\u043b\u0430 \u0432\u0430\u0436\u043d\u044b\u043c \u0438\u0437\u043c\u0435\u043d\u0435\u043d\u0438\u0435\u043c \u0432 \u0444\u0438\u043d\u0442\u0435\u0445-\u043f\u0440\u043e\u0441\u0442\u0440\u0430\u043d\u0441\u0442\u0432\u0435 \u0437\u0430 \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0435 \u0433\u043e\u0434\u044b...<\/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":[38],"tags":[],"class_list":["post-2540","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\n\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408 - 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\/11\/\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408\/\" \/>\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\u7cfb\u7edf\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408\u662f\u8fd1\u5e74\u6765\u91d1\u878d\u79d1\u6280\u9886\u57df\u7684\u91cd\u8981\u53d8…\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ru\/2025\/05\/11\/\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0e\u79fb\u52a8\u652f\u4ed8\u7684\u6df1\u5ea6\u6574\u5408\/\" \/>\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=\"2025-05-11T04:00:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts142.mm.bing.net\/th?q=phonepe141\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u043c\u0438\u043d\u0443\u0442\u0430\" \/>\n<script type=\"application\/ld+json\" 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