{"id":2687,"date":"2025-05-14T15:02:21","date_gmt":"2025-05-14T07:02:21","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2687"},"modified":"2025-05-14T15:02:21","modified_gmt":"2025-05-14T07:02:21","slug":"%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%b9%b3%e5%8f%b0%e6%8e%a8%e8%8d%90%ef%bc%9a%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%9a%845%e5%a4%a7%e5%b7%a5%e5%85%b7","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/14\/%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%b9%b3%e5%8f%b0%e6%8e%a8%e8%8d%90%ef%bc%9a%e6%94%af%e6%8c%81%e8%8f%b2%e5%be%8b%e5%ae%be%e6%94%af%e4%bb%98%e7%9a%845%e5%a4%a7%e5%b7%a5%e5%85%b7\/","title":{"rendered":"\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u043c\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u0434\u043b\u044f \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438: 5 \u043b\u0443\u0447\u0448\u0438\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043b\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445"},"content":{"rendered":"<p>\u0412\u043e\u0442 5 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u043c\u044b\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043b\u044f \u0441\u0431\u043e\u0440\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0434\u043b\u044f \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u043e\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 \u0438\u043b\u0438 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432 \u0440\u0430\u0437\u043d\u044b\u0445 \u0440\u0430\u0437\u043c\u0435\u0440\u043e\u0432:<\/p>\n<hr>\n<h3>1. <strong>PayMaya<\/strong>(\u0442\u0435\u043f\u0435\u0440\u044c \u043f\u0435\u0440\u0435\u0438\u043c\u0435\u043d\u043e\u0432\u0430\u043d \u0432 <strong>\u041c\u0430\u0439\u044f<\/strong>)<\/h3>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u041e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u043c\u0435\u0441\u0442\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0430\u044f \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438, \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043a\u0430\u0440\u0442\u044b \u0438 \u043e\u0444\u043b\u0430\u0439\u043d-\u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f.<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>: \u0428\u0438\u0440\u043e\u043a\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u043c\u0435\u0441\u0442\u043d\u044b\u043c\u0438 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f\u043c\u0438, \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u0434\u043b\u044f \u043c\u0430\u043b\u043e\u0433\u043e \u0438 \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430; \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 PHP checkout.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>::\n<ul>\n<li>\u041d\u0438\u0437\u043a\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 (~1,5%-3%).<\/li>\n<li>\u0420\u0430\u0431\u043e\u0442\u0430\u0435\u0442 \u0431\u0435\u0437 \u043f\u0440\u043e\u0431\u043b\u0435\u043c \u0441 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430\u043c\u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438, \u0442\u0430\u043a\u0438\u043c\u0438 \u043a\u0430\u043a Shopee \u0438 Lazada.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u044c \u043a \u0441\u0432\u0435\u0434\u0435\u043d\u0438\u044e<\/strong>: \u0422\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u0434\u043b\u044f \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u0438 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u043e\u0433\u043e \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u043b\u0438\u0446\u0430 \u0438\u043b\u0438 \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u0431\u0438\u0437\u043d\u0435\u0441\u0430.<\/li>\n<\/ul>\n<hr>\n<h3>2. <strong>GCash<\/strong><\/h3>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u041a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0439 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445 \u043f\u043e \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0443 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 (\u043f\u0440\u0438\u043d\u0430\u0434\u043b\u0435\u0436\u0438\u0442 Globe Telecom).<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>: \u0421\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u0430\u044f \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f, \u043c\u0435\u043b\u043a\u0438\u0435 \u0438 \u0432\u044b\u0441\u043e\u043a\u043e\u0447\u0430\u0441\u0442\u043e\u0442\u043d\u044b\u0435 \u0441\u0434\u0435\u043b\u043a\u0438.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>::\n<ul>\n<li>\u0412\u0430\u043c \u043d\u0435 \u043d\u0443\u0436\u043d\u0430 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0430\u044f \u043a\u0430\u0440\u0442\u0430, \u0432\u044b \u043c\u043e\u0436\u0435\u0442\u0435 \u0440\u0430\u0441\u043f\u043b\u0430\u0442\u0438\u0442\u044c\u0441\u044f \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043d\u043e\u043c\u0435\u0440\u0430 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0433\u043e \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430.<\/li>\n<li>\u0414\u043e\u0441\u0442\u0443\u043f \u043a API \u043f\u0440\u043e\u0441\u0442 \u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0441\u0431\u043e\u0440 QR-\u043a\u043e\u0434\u043e\u0432.<\/li>\n<\/ul>\n<\/li>\n<li><em>\u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c<\/em>: \u041f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u044b, \u0430 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u0441\u043d\u044f\u0442\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u043e\u043a\u043e\u043b\u043e 1%.<\/li>\n<\/ul>\n<hr>\n<h3>3. <strong><a href=\"https:\/\/www.dragonpay.ph\/\">Dragonpay<\/a><\/strong><\/h3>\n<h3><strong>4. PayPal<\/strong><\/h3>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: Global, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u0441\u0431\u043e\u0440\u0430 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0445 \u043f\u0435\u0441\u043e (PHP), \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u0434\u043b\u044f \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u0439 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438.<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>: \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u0430\u044f \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f, \u0443\u0441\u043b\u0443\u0433\u0438 \u0444\u0440\u0438\u043b\u0430\u043d\u0441\u0435\u0440\u043e\u0432, \u0441\u0434\u0435\u043b\u043a\u0438 B2C\/B2B.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>::\n<ul>\n<li>\u0412\u044b\u0441\u043e\u043a\u043e \u0446\u0435\u043d\u0438\u0442\u0441\u044f \u043d\u0430 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u043c \u0443\u0440\u043e\u0432\u043d\u0435 \u0438 \u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u0434\u043e\u0432\u0435\u0440\u0438\u0435\u043c \u043f\u043e\u043a\u0443\u043f\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<li>\u041f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043e\u043f\u043b\u0430\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c\u0438\/\u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u043c\u0438 \u043a\u0430\u0440\u0442\u0430\u043c\u0438 (\u0434\u0430\u0436\u0435 \u0431\u0435\u0437 \u0430\u043a\u043a\u0430\u0443\u043d\u0442\u0430 PayPal).<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u0446\u0435\u043d\u0442\u0440 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u044f<\/strong>::\n<ul>\n<li>\u0411\u043e\u043b\u0435\u0435 \u0432\u044b\u0441\u043e\u043a\u0430\u044f \u043f\u043b\u0430\u0442\u0430 \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 (\u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e 3,5% - 4,5% + \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0441\u0431\u043e\u0440\u044b).<\/li>\n<li>\u041f\u0440\u0438 \u0441\u043d\u044f\u0442\u0438\u0438 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0432 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0432\u0437\u0438\u043c\u0430\u0435\u0442\u0441\u044f \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u044e \u0432\u0430\u043b\u044e\u0442\u044b \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 1%-2%.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>5. Stripe (\u0442\u043e\u043b\u044c\u043a\u043e \u0434\u043b\u044f \u0431\u0438\u0437\u043d\u0435\u0441-\u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0439)<\/strong><\/h3>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u0418\u043d\u0442\u0435\u0440\u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u0441 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u043e\u0439 PHP \u0438 \u043c\u0443\u043b\u044c\u0442\u0438\u0432\u0430\u043b\u044e\u0442\u043d\u043e\u0433\u043e \u0431\u0438\u043b\u043b\u0438\u043d\u0433\u0430.<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>: \u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f \u0441 \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u0443\u0434\u0435\u043b\u044c\u043d\u043e\u0439 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c\u044e, \u0431\u0438\u0437\u043d\u0435\u0441 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043f\u043e\u0434\u043f\u0438\u0441\u043a\u0438 SaaS.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>:\n<ul>\n<li>\u0423\u0434\u043e\u0431\u043d\u044b\u0435 API \u0438 \u0445\u043e\u0440\u043e\u0448\u043e \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u044b (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043e\u0431\u044b\u0447\u043d\u043e\u0435 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u0430\u043d\u0438\u0435).<\/li>\n<li>\u041f\u043e\u043b\u043d\u043e\u0435 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043c\u0435\u0442\u043e\u0434\u043e\u0432, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a Visa\/Mastercard\/GCash.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u0435<\/strong>:<br \/>\n\u0422\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0438\u043b\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0430\u0433\u0435\u043d\u0442\u0430, \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0435\u0433\u043e \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Stripe Atlas).<\/li>\n<\/ul>\n<hr>\n<h3>\ud83d\ude80 <strong>[\u0414\u043e\u0431\u0430\u0432\u043b\u0435\u043d\u043e] \u041a\u043e\u043b\u043b\u0435\u043a\u0446\u0438\u0438 \u0446\u0435\u043d\u0442\u0440\u0430 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432 Lazada\/Shopee<\/strong><\/h3>\n<p>\u0415\u0441\u043b\u0438 \u043e\u043d \u043f\u0440\u043e\u0434\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0435 \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438, \u0435\u0433\u043e \u043c\u043e\u0436\u043d\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c \u043d\u0430\u043f\u0440\u044f\u043c\u0443\u044e \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u0432\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u043e\u0439 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b:<br \/>\n|\u041f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b|\u041c\u0435\u0442\u043e\u0434\u044b \u043a\u043e\u043b\u043b\u0435\u043a\u0446\u0438\u043e\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f|\u0411\u0443\u0445\u0433\u0430\u043b\u0442\u0435\u0440\u0441\u043a\u0438\u0439 \u0446\u0438\u043a\u043b<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|\u041b\u0430\u0437\u0430\u0434\u0430|\u041f\u0435\u0440\u0435\u043f\u043b\u0435\u0442 \u043c\u0435\u0441\u0442\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430\/\u043f\u043b\u0430\u0442\u0435\u043b\u044c\u0449\u0438\u043a\u0430|7-14 \u0434\u043d\u0435\u0439|<br \/>\n|\u041f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u0447\u0435\u0440\u0435\u0437 Airwallex \u0438\u043b\u0438 \u043c\u0435\u0441\u0442\u043d\u044b\u0439 \u0431\u0430\u043d\u043a |3-7 \u0434\u043d\u0435\u0439|<\/p>\n<hr>\n<h4>\ud83d\udccc \u041f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043f\u043e \u0432\u044b\u0431\u043e\u0440\u0443:<\/h4>\n<p>1\ufe0f\u20e3 <strong>[\u041f\u0440\u0435\u043e\u0431\u043b\u0430\u0434\u0430\u044e\u0442 \u043c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0438]<\/strong> \u2192 GCash + Maya (\u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 90% Fi)<br \/>\n2\ufe0f\u20e3 <strong>[\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0439 \u043e\u0442\u0434\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u0430\u0439\u0442].<\/strong> \u2192 PayPal + Dragonpay (\u0431\u0430\u043b\u0430\u043d\u0441 \u043c\u0435\u0436\u0434\u0443 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c\u044e \u0438 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435\u043c)<br \/>\n3\ufe0f\u20e3 <strong>[\u041a\u0440\u0443\u043f\u043d\u044b\u0435\/\u043f\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u043a\u0435]<\/strong> \u2192 Stripe (\u0437\u0440\u0435\u043b\u0430\u044f \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u044f, \u043d\u043e \u0432\u044b\u0441\u043e\u043a\u0438\u0439 \u043f\u043e\u0440\u043e\u0433)<\/p>\n<p>\u041d\u0443\u0436\u043d\u0430 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u0430\u044f \u043f\u043e\u043c\u043e\u0449\u044c \u043f\u043e \u0434\u043e\u0441\u0442\u0443\u043f\u0443, \u043e\u0441\u0442\u0430\u0432\u044c\u0442\u0435 \u0441\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u0435, \u0447\u0442\u043e\u0431\u044b \u043e\u0431\u044a\u044f\u0441\u043d\u0438\u0442\u044c \u0431\u0438\u0437\u043d\u0435\u0441-\u043c\u043e\u0434\u0435\u043b\u044c!<\/p>\n<p>\u041d\u0438\u0436\u0435 \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u043d\u044b \u0431\u043e\u043b\u0435\u0435 \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u044b\u0435 \u0434\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u0438 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u043f\u043e \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043e\u043c\u043e\u0433\u0443\u0442 \u0432\u0430\u043c \u0432\u044b\u0431\u0440\u0430\u0442\u044c \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0435\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0434\u043b\u044f \u043d\u0443\u0436\u0434 \u0432\u0430\u0448\u0435\u0433\u043e \u0431\u0438\u0437\u043d\u0435\u0441\u0430:<\/p>\n<hr>\n<h3><strong>6. \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u043f\u0440\u044f\u043c\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u044f (\u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u0434\u043b\u044f \u043a\u0440\u0443\u043f\u043d\u044b\u0445\/\u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439)<\/strong><\/h3>\n<h4><strong>UnionBank \/ BDO \u041e\u043d\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/strong><\/h4>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>\u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0448\u043b\u044e\u0437\u0430, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u043c\u044b\u0439 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u043c\u0438 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d \u0434\u043b\u044f \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0438 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 \u043d\u0430 PHP \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438.<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>: \u041c\u0435\u0441\u0442\u043d\u044b\u0435 \u0441\u0434\u0435\u043b\u043a\u0438 B2B, \u043a\u043b\u0438\u0435\u043d\u0442\u044b \u0441 \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u0443\u0440\u043e\u0432\u043d\u0435\u043c \u0434\u043e\u0445\u043e\u0434\u0430 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043d\u0435\u0434\u0432\u0438\u0436\u0438\u043c\u043e\u0441\u0442\u044c, \u043e\u0431\u0440\u0430\u0437\u043e\u0432\u0430\u043d\u0438\u0435).<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>::\n<ul>\n<li>\u0421\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0437\u0430\u0447\u0438\u0441\u043b\u044f\u044e\u0442\u0441\u044f \u043d\u0435\u043f\u043e\u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0435\u043d\u043d\u043e \u043d\u0430 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0439 \u0441\u0447\u0435\u0442 \u0431\u0435\u0437 \u0440\u0438\u0441\u043a\u0430 \u0434\u043b\u044f \u0442\u0440\u0435\u0442\u044c\u0438\u0445 \u043b\u0438\u0446.<\/li>\n<li>\u041a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043a\u0440\u0443\u043f\u043d\u044b\u0435 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u0432\u0441\u0435\u0433\u043e 0,5%-1%.<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u0432\u044b\u0437\u043e\u0432<\/strong>::\n<ul>\n<li>\u041d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e \u0438\u043c\u0435\u0442\u044c \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0439 \u043f\u0443\u0431\u043b\u0438\u0447\u043d\u044b\u0439 \u0441\u0447\u0435\u0442 \u0438 \u043f\u0440\u043e\u0439\u0442\u0438 \u0441\u0442\u0440\u043e\u0433\u0443\u044e \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0443 (\u0442\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u044f ACR).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \u043a\u0440\u0438\u043f\u0442\u043e\u043f\u043b\u0430\u0442\u0435\u0436\u0438 (\u0440\u0430\u0437\u0432\u0438\u0432\u0430\u044e\u0449\u0438\u0435\u0441\u044f \u0440\u044b\u043d\u043a\u0438)<\/strong><\/h3>\n<h4><strong><a href=\"https:\/\/www.binance.com\">Binance Pay<\/a> \/ Coins.ph<\/strong><\/h4>\n<ul>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u041f\u043e\u043b\u0443\u0447\u0430\u0439\u0442\u0435 \u043e\u043f\u043b\u0430\u0442\u0443 \u0447\u0435\u0440\u0435\u0437 \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u044e\u0442\u0443 \u0438\u043b\u0438 \u0441\u0442\u0435\u0439\u0431\u043b\u043a\u043e\u0438\u043d (USDT) \u0434\u043b\u044f \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u043e\u0439 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u0438 \u0432 PHP.<\/li>\n<li><strong>\u041f\u0440\u0438\u043c\u0435\u043d\u0438\u043c\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438<\/strong>::\n<ul>\n<li>Web3 \u0441\u043e\u043f\u0443\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u0442\u043e\u0432\u0430\u0440\u044b, \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0444\u0440\u0438\u043b\u0430\u043d\u0441\u0435\u0440\u043e\u0432.<\/li>\n<li>\u0418\u0437\u0431\u0435\u0433\u0430\u0439\u0442\u0435 \u0432\u0430\u043b\u044e\u0442\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f (\u0434\u043b\u044f \u043d\u0435\u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432).<\/li>\n<\/ul>\n<\/li>\n<li><em>\u041f\u0440\u0435\u0434\u0443\u043f\u0440\u0435\u0436\u0434\u0435\u043d\u0438\u0435 \u043e \u0440\u0438\u0441\u043a\u0435<\/em>: \u041a\u043e\u043b\u0435\u0431\u0430\u043d\u0438\u044f \u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0445 \u043a\u0443\u0440\u0441\u043e\u0432 \u0442\u0440\u0435\u0431\u0443\u044e\u0442 \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0439 \u0445\u0435\u0434\u0436\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f.<\/li>\n<\/ul>\n<hr>\n<h3>\ud83c\udf1f <strong>[Ultimate Combo] - \u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u043f\u043e \u0431\u0438\u0437\u043d\u0435\u0441-\u044d\u0442\u0430\u043f\u0443<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0442\u043e\u0447\u043a\u0430<\/th>\n<th>\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u043c\u044b\u0435 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b<\/th>\n<th>\u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f \u0446\u0435\u043b\u044c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u043d\u0430\u0447\u0430\u043b\u043e<\/td>\n<td>GCash + Dragonpay<\/td>\n<td>\u041d\u0435\u0434\u043e\u0440\u043e\u0433\u043e\u0435 \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u0434\u043b\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 80%<\/td>\n<\/tr>\n<tr>\n<td>\u043f\u0435\u0440\u0438\u043e\u0434 \u0440\u043e\u0441\u0442\u0430<\/td>\n<td>PayPal + Stripe<\/td>\n<td>\u0418\u043d\u0442\u0435\u0440\u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u044f + \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u043a\u0430\u0440\u0442\u0430\u043c<\/td>\n<\/tr>\n<tr>\n<td>\u0441\u0440\u043e\u043a \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u044f<\/td>\n<td>Bank Direct + Maya Pro<\/td>\n<td>\u0421\u043d\u0438\u0436\u0435\u043d\u043d\u044b\u0435 \u0442\u0430\u0440\u0438\u0444\u044b + \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3>\u26a0\ufe0f \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0437\u0430\u043c\u0435\u0442\u043a\u0438<\/h3>\n<ol>\n<li>\n<p><strong>\u0412\u043e\u043f\u0440\u043e\u0441\u044b \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f<\/strong><\/p>\n<ul>\n<li>\u0414\u043e\u0441\u0442\u0443\u043f \u043a GCash\/Maya \u0438\u043c\u0435\u044e\u0442 \u0442\u043e\u043b\u044c\u043a\u043e \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f.<\/li>\n<li>Stripe\/PayPal \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u044b\u043c \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c \u043f\u043e\u043b\u0443\u0447\u0430\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438, \u043d\u043e \u0434\u043b\u044f \u0432\u044b\u0432\u043e\u0434\u0430 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0442\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u043c\u0435\u0441\u0442\u043d\u044b\u0439 \u0430\u0433\u0435\u043d\u0442.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong><a href=\"\/ru\/%E5%AE%9E%E9%99%85%E5%88%B0%E8%B4%A6%E9%87%91%E9%A2%9D%E8%AE%A1%E7%AE%97%E5%99%A8\/\">\u0421\u043a\u0440\u044b\u0442\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b<\/a><\/strong><\/p>\n<pre><code class=\"language-python\"># PayPal \u041f\u0440\u0438\u043c\u0435\u0440: \u0421\u043a\u043e\u043b\u044c\u043a\u043e \u0432 \u0438\u0442\u043e\u0433\u0435 \u0441\u0442\u043e\u0438\u043b \u0437\u0430\u043a\u0430\u0437 $100?<br>\r\n\u041e\u0431\u0449\u0438\u0439 \u0432\u044b\u0447\u0435\u0442 = (100 *4,4%) +0,30 \u2248 $4,7 \u2192 $95,3<br>\r\n\u041f\u0440\u0438 \u0432\u044b\u043a\u0443\u043f\u0435 PHP \u0432\u044b\u0447\u0442\u0438\u0442\u0435 \u0435\u0449\u0435 1% \u2192 \u20b15,300*(99%) = \u20b15,247<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<p>3.<strong>\u041d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u044c \u0432 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0430\u0445<\/strong>:<br \/>\n\u0414\u043b\u044f \u043e\u0445\u0432\u0430\u0442\u0430 \u043d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0442\u044c \u0434\u043e\u0441\u0442\u0443\u043f \u043a\u0430\u043a \u043c\u0438\u043d\u0438\u043c\u0443\u043c \u043a \u043e\u0434\u043d\u043e\u043c\u0443 \u043e\u0444\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0443 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0432\u043d\u0435\u0431\u0438\u0440\u0436\u0435\u0432\u043e\u043c\u0443 \u043f\u043b\u0430\u0442\u0435\u0436\u0443 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u043e\u0442 Dragonpay).<\/p>\n<p>\u041d\u0443\u0436\u043d\u044b \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u043f\u043e \u0432\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044e \u0441 API \u0438\u043b\u0438 \u0441\u043e\u0432\u0435\u0442\u044b \u043f\u043e \u0441\u043e\u0433\u043b\u0430\u0441\u043e\u0432\u0430\u043d\u0438\u044e \u0441\u0442\u0430\u0432\u043e\u043a \u0434\u043b\u044f \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0433\u043e \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430? \u0421\u043e\u043e\u0431\u0449\u0438\u0442\u0435 \u043d\u0430\u043c \u0441\u0432\u043e\u044e \u043e\u0442\u0440\u0430\u0441\u043b\u044c \u0438 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u043e\u0431\u044a\u0435\u043c \u0442\u043e\u0440\u0433\u043e\u0432!<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412\u043e\u0442 5 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u043c\u044b\u0445 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u0434\u043b\u044f \u0441\u0431\u043e\u0440\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0442 \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0434\u043b\u044f \u0440\u0430\u0437\u043d\u044b\u0445 \u0440\u0430\u0437\u043c\u0435\u0440\u043e\u0432 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