{"id":3013,"date":"2025-05-24T10:58:25","date_gmt":"2025-05-24T02:58:25","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3013"},"modified":"2025-05-24T10:58:25","modified_gmt":"2025-05-24T02:58:25","slug":"%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/24\/%e9%a9%ac%e6%9d%a5%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e5%93%aa%e7%a7%8d%e6%89%8b%e7%bb%ad%e8%b4%b9%e6%9c%80%e4%bd%8e%ef%bc%9f\/","title":{"rendered":"\u041a\u0430\u043a\u043e\u0439 \u0441\u0430\u043c\u044b\u0439 \u043d\u0438\u0437\u043a\u0438\u0439 \u0432\u0437\u043d\u043e\u0441 \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438?"},"content":{"rendered":"<h1>\u041a\u0430\u043a\u0430\u044f \u0441\u0430\u043c\u0430\u044f \u043d\u0438\u0437\u043a\u0430\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438? \u0412\u0441\u0435\u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0435\u0435 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0438 \u0441\u043e\u0432\u0435\u0442\u044b \u043f\u043e \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0438 \u0434\u0435\u043d\u0435\u0433<\/h1>\n<p>\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 - \u043e\u0434\u043d\u0430 \u0438\u0437 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043f\u0440\u043e\u0431\u043b\u0435\u043c \u0434\u043b\u044f \u043c\u043d\u043e\u0433\u0438\u0445 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u0438 \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432, \u043a\u043e\u0433\u0434\u0430 \u0440\u0435\u0447\u044c \u0437\u0430\u0445\u043e\u0434\u0438\u0442 \u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u0445 \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438. \u0412 \u044d\u0442\u043e\u0439 \u0441\u0442\u0430\u0442\u044c\u0435 \u043c\u044b \u043f\u0440\u043e\u0430\u043d\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u0435\u043c \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043c\u0435\u0442\u043e\u0434\u043e\u0432 \u043e\u043f\u043b\u0430\u0442\u044b \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438, \u0447\u0442\u043e\u0431\u044b \u043f\u043e\u043c\u043e\u0447\u044c \u0432\u0430\u043c \u043d\u0430\u0439\u0442\u0438 \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u043f\u043e\u0434\u0445\u043e\u0434\u044f\u0449\u0435\u0435 \u0438 \u043d\u0435\u0434\u043e\u0440\u043e\u0433\u043e\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u0435.<\/p>\n<h2>I. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0442\u0430\u0440\u0438\u0444\u043e\u0432 \u043d\u0430 \u0441\u043f\u043e\u0441\u043e\u0431\u044b \u043e\u043f\u043b\u0430\u0442\u044b \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c\u0438 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430\u043c\u0438<\/h2>\n<h3>1. \u043c\u0433\u043d\u043e\u0432\u0435\u043d\u043d\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b DuitNow<\/h3>\n<p>DuitNow - \u044d\u0442\u043e \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \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, \u0437\u0430\u043f\u0443\u0449\u0435\u043d\u043d\u0430\u044f Bank Negara Malaysia, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u0441\u0442\u0430\u043b\u0430 \u043e\u0434\u043d\u0438\u043c \u0438\u0437 \u0441\u0430\u043c\u044b\u0445 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u044b\u0445 \u0441\u043f\u043e\u0441\u043e\u0431\u043e\u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0433\u043e \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430 \u0434\u0435\u043d\u0435\u0433 \u0432 \u0441\u0442\u0440\u0430\u043d\u0435.<\/p>\n<ul>\n<li><strong>\u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0439 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c<\/strong>: \u0421\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e (\u043e\u0434\u043d\u043e\u0440\u0430\u043d\u0433\u043e\u0432\u044b\u0435 \u0438\u043b\u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435)<\/li>\n<li><strong>\u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u0441\u0447\u0451\u0442<\/strong>: \u041e\u0431\u044b\u0447\u043d\u043e \u0432\u0437\u0438\u043c\u0430\u0435\u0442\u0441\u044f RM0.10-0.50 \u0437\u0430 \u0443\u0434\u0430\u0440<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>: \u041e\u043f\u043b\u0430\u0442\u0430 \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u043f\u043e\u043a\u0440\u044b\u0442\u0438\u0435 \u0432\u0441\u0435\u0445 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432, \u0431\u0435\u0437 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u0438\u044f \u0441\u0443\u043c\u043c\u044b<\/li>\n<\/ul>\n<h3>2. IBG (Interbank GIRO) \u043e\u0431\u044b\u0447\u043d\u044b\u0435 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b<\/h3>\n<p>IBG - \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u043c\u0435\u0442\u043e\u0434 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u0441 \u0431\u043e\u043b\u0435\u0435 \u0434\u043b\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u043c \u0432\u0440\u0435\u043c\u0435\u043d\u0435\u043c \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438, \u0447\u0435\u043c DuitNow.<\/p>\n<ul>\n<li><strong>\u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443<\/strong>:: \u041e\u0431\u044b\u0447\u043d\u043e RM0.11\/\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044f (\u0432 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0431\u0430\u043d\u043a\u0430\u0445 \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e \u0434\u043b\u044f \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439)<\/li>\n<li><strong>\u0432\u0440\u0435\u043c\u044f \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438<\/strong>: \u0412 \u0442\u043e\u0442 \u0436\u0435 \u0434\u0435\u043d\u044c \u0438\u043b\u0438 \u043d\u0430 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0439 \u0434\u0435\u043d\u044c \u0432 \u0440\u0430\u0431\u043e\u0447\u0438\u0435 \u0434\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>: \u041a\u0440\u0443\u043f\u043d\u044b\u0435 \u0442\u0440\u0430\u043d\u0441\u0444\u0435\u0440\u0442\u044b, \u0432 \u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u043d\u0435\u0442 \u043e\u0441\u0442\u0440\u043e\u0439 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438<\/li>\n<\/ul>\n<h3>3. \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0438 FPX (Financial Process Exchange)<\/h3>\n<p>FPX \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c \u0441\u043e\u0432\u0435\u0440\u0448\u0430\u0442\u044c \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043d\u0435\u043f\u043e\u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0435\u043d\u043d\u043e \u0441\u043e \u0441\u0432\u043e\u0435\u0433\u043e \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0447\u0435\u0442\u0430 \u0431\u0435\u0437 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u044b.<\/p>\n<ul>\n<li><strong>\u0441\u0442\u043e\u0440\u043e\u043d\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f<\/strong>: \u041e\u0431\u044b\u0447\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/li>\n<li><strong>\u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u0430<\/strong>::\n<ul>\n<li>\u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0439 \u043f\u0440\u043e\u0434\u0430\u0432\u0435\u0446\/\u043c\u0438\u043a\u0440\u043e\u0431\u0438\u0437\u043d\u0435\u0441: ~1% (\u043c\u0438\u043d\u0438\u043c\u0443\u043c RM0.5)<\/li>\n<li>\u041a\u0440\u0443\u043f\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f: \u041e\u0431\u0441\u0443\u0436\u0434\u0430\u0435\u0442\u0441\u044f \u0434\u043e \u043c\u0435\u043d\u0435\u0435 \u0447\u0435\u043c 0,5%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><em>\u0422\u0430\u0431\u043b\u0438\u0446\u0430 1: \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0442\u0430\u0440\u0438\u0444\u043e\u0432 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438<\/em><\/p>\n<table>\n<thead>\n<tr>\n<th>\u0422\u0438\u043f \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430<\/th>\n<th>\u0418\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439<\/th>\n<th>\u041f\u043b\u0430\u0442\u0430 \u0437\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u0443\u0441\u043b\u0443\u0433\u0430\u043c\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439<\/th>\n<th>\u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>DuitNow<\/td>\n<td>\u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e\u0435 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0435 \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u0435<\/td>\n<td>RM0.1-RM0.5\/\u0440\u0443\u0447\u043a\u0430<\/td>\n<td>\u041d\u0435\u043c\u0438\u043d\u0443\u0435\u043c\u043e\u0435<\/td>\n<\/tr>\n<tr>\n<td>IBG<\/td>\n<td>RM0-RM0.11<\/td>\n<td>RM0-RM2<\/td>\n<td>\u0422+1 \u0440\u0430\u0431\u043e\u0447\u0438\u0439 \u0434\u0435\u043d\u044c<\/td>\n<\/tr>\n<tr>\n<td>FPX<\/td>\n<td>\u0412 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/td>\n<td>~1%<\/td>\n<td>&#8211;<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u0412\u043e-\u0432\u0442\u043e\u0440\u044b\u0445, \u0430\u043d\u0430\u043b\u0438\u0437 \u043f\u043b\u0430\u0442\u044b \u0437\u0430 \u043f\u043e\u0434\u0430\u0447\u0443 \u0437\u0430\u044f\u0432\u043a\u0438 \u043d\u0430 \u043a\u043b\u0430\u0441\u0441 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432<\/h2>\n<h3>\u041f\u043e\u0434\u0440\u043e\u0431\u043d\u043e \u043e \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 GrabPay:<\/h3>\n<p>\u042f\u0432\u043b\u044f\u044f\u0441\u044c \u0432\u0435\u0434\u0443\u0449\u0438\u043c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u043c \u0441 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u043e\u0439 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439 \u0432 \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438:<\/p>\n<h2>II. \u0410\u043d\u0430\u043b\u0438\u0437 \u0441\u0431\u043e\u0440\u043e\u0432 \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 \u0437\u0430\u044f\u0432\u043e\u043a \u043d\u0430 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 (\u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0435\u043d\u0438\u0435)<\/h2>\n<h3>1. \u0421\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 GrabPay \u0432 \u0434\u0435\u0442\u0430\u043b\u044f\u0445<\/h3>\n<p>GrabPay \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0432\u0435\u0434\u0443\u0449\u0438\u043c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u043c, \u0432\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u043c \u0432 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435, \u0432 \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438 \u0438 \u0438\u043c\u0435\u0435\u0442 \u0448\u0438\u0440\u043e\u043a\u0443\u044e \u0431\u0430\u0437\u0443 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438:<\/p>\n<ul>\n<li>\n<p><strong>\u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0430<\/strong>::<\/p>\n<ul>\n<li>\u041f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u0441\u0447\u0435\u0442\u0430: \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/li>\n<li>\u041f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u043e\u0439: \u0432\u0437\u0438\u043c\u0430\u0435\u0442\u0441\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 1% (\u043e\u0442\u043c\u0435\u043d\u044f\u0435\u0442\u0441\u044f \u0432 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u0440\u0435\u043a\u043b\u0430\u043c\u043d\u044b\u0445 \u043f\u0435\u0440\u0438\u043e\u0434\u0430\u0445)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043f\u0435\u0440\u0435\u0432\u043e\u0434<\/strong>::<\/p>\n<ul>\n<li>\u041f\u0435\u0440\u0435\u0434\u0430\u0447\u0438 \u043c\u0435\u0436\u0434\u0443 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c\u0438: \u0441\u043e\u0432\u0435\u0440\u0448\u0435\u043d\u043d\u043e \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/li>\n<li>\u041f\u0435\u0440\u0435\u0432\u043e\u0434 DuitNow \u043d\u0430 \u0434\u0440\u0443\u0433\u0438\u0435 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u0441\u0447\u0435\u0442\u0430: RM0.50\/\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044f<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u043f\u043b\u0430\u0442\u0451\u0436<\/strong>::<br \/>\n\u041d\u0438\u043a\u0430\u043a\u0438\u0445 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0441\u0431\u043e\u0440\u043e\u0432 \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f, \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u044b \u043d\u0435\u0441\u0443\u0442 \u043f\u0440\u0438\u043c\u0435\u0440\u043d\u043e 1,5%-2% \u0432 \u0432\u0438\u0434\u0435 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0437\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044e<\/p>\n<\/li>\n<\/ul>\n<h3>2. \u0421\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0433\u043e \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 Touch 'n Go<\/h3>\n<p>\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a, \u0441\u043e\u0437\u0434\u0430\u043d\u043d\u044b\u0439 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0441\u0430\u043c\u043e\u0439 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u043e\u0439 \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u043d\u043e\u0439 \u043a\u0430\u0440\u0442\u044b \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438:<\/p>\n<ul>\n<li>\n<p><strong>\u0420\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u0432 \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u0438 \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u043a\u0430\u043d\u0430\u043b\u043e\u0432<\/strong>::<br \/>\n\u0414\u0435\u0431\u0435\u0442\u043e\u0432\u0430\u044f \u043a\u0430\u0440\u0442\u0430\/\u043e\u043d\u043b\u0430\u0439\u043d-\u0431\u0430\u043d\u043a: \u0431\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e |<br \/>\n\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043a\u0430\u0440\u0442\u0430: 1% \u041a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 |<br \/>\n\u041f\u0443\u043d\u043a\u0442\u044b \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u044f \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 (7-Eleven \u0438 \u0442.\u0434.): RM0.50-RM1 \u0437\u0430 \u043f\u043e\u0441\u0435\u0449\u0435\u043d\u0438\u0435<\/p>\n<\/li>\n<li>\n<p><strong>\u0417\u0430\u0440\u044f\u0434\u043a\u0430 \u0434\u043b\u044f \u0444\u0443\u043d\u043a\u0446\u0438\u0439<\/strong>::<br \/>\n\u041e\u043f\u043b\u0430\u0442\u0430 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e QR-\u043a\u043e\u0434\u0430 (PayDirect): \u0431\u0435\u0437 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 |<br \/>\n\u0422\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 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u044e\/\u0422\u0430\u0438\u043b\u0430\u043d\u0434: \u0444\u0438\u043a\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 RM10 + 0,5%<\/p>\n<\/li>\n<\/ul>\n<p><em>\u0422\u0430\u0431\u043b\u0438\u0446\u0430 2:\u041a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u043d\u043e\u0435 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432<\/em><\/p>\n<table>\n<thead>\n<tr>\n<th>\u0424\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u044c\\\u041f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430<\/th>\n<th>GrabPay<\/th>\n<th>\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a TnG<\/th>\n<th>\u0423\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u043e\u0434\u043d\u043e\u0440\u0430\u043d\u0433\u043e\u0432\u0430\u044f \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0430<\/td>\n<td>\u2713 \u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/td>\n<td>\u2717 \u041e\u0442 RM0.50<\/td>\n<td>\u2713 \u0411\u0435\u0441\u043f\u043b\u0430\u0442\u043d\u043e<\/td>\n<\/tr>\n<tr>\n<td>\u041a\u0440\u043e\u0441\u0441\u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0435\u043d\u043d\u0430\u044f \u043f\u0435\u0440\u0435\u0434\u0430\u0447\u0430<\/td>\n<td>RM0.50\/DuitNow Transfer<\/td>\n<td>RM0.30-RM3 (\u043f\u043e \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u0443) \u4e28 \u0422\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u043e\u0431\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435 \u0434\u043e \u043f\u0440\u0435\u043c\u0438\u0443\u043c-\u0430\u043a\u043a\u0430\u0443\u043d\u0442\u0430.<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u0421\u0430\u043c\u043e\u0435 \u0433\u043b\u0430\u0432\u043d\u043e\u0435, \u0447\u0442\u043e\u0431\u044b \u0432\u044b \u043c\u043e\u0433\u043b\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0443\u044e \u043e\u0442\u0434\u0430\u0447\u0443 \u043e\u0442 \u0441\u0432\u043e\u0435\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0438 \u0434\u0435\u043d\u0435\u0433, \u0438 \u0447\u0442\u043e\u0431\u044b \u0432\u044b \u043c\u043e\u0433\u043b\u0438 \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u043c\u0430\u043a\u0441\u0438\u043c\u0430\u043b\u044c\u043d\u0443\u044e \u043e\u0442\u0434\u0430\u0447\u0443 \u043e\u0442 \u0441\u0432\u043e\u0435\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0438 \u0434\u0435\u043d\u0435\u0433.<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>III. \u0414\u0435\u043c\u0438\u0441\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0437\u0430\u0442\u0440\u0430\u0442 \u043d\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c \u0438 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u043c \u043a\u0430\u0440\u0442\u0430\u043c<\/p>\n<p>\u0411\u0430\u0437\u0430 \u0442\u0430\u0440\u0438\u0444\u043e\u0432 \u043a\u0430\u043d\u0430\u043b\u043e\u0432 Visa\/Mastercard.<br \/>\n\u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0435\u043c\u0443 \u0437\u0430\u043a\u043e\u043d\u043e\u043f\u0440\u043e\u0435\u043a\u0442\u0443 BNM \u043e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u0445.<\/p>\n<pre><code class=\"language-mermaid\">\u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a \u043f\u043e \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u044f\u043c \u0441 \u0442\u0438\u0442\u0443\u043b\u044c\u043d\u044b\u043c\u0438 \u043a\u0430\u0440\u0442\u0430\u043c\u0438 (%)<br>\r\n\"\u0414\u043e\u0445\u043e\u0434 \u044d\u043c\u0438\u0442\u0435\u043d\u0442\u0430 \u043a\u0430\u0440\u0442\u044b\":55   <br>\r\n\"\u041f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u0442\u0435\u043b\u0438\": 25    <br>\r\n\"\u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u043a\u0430\u0440\u0442\u043e\u0447\u043d\u044b\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 (V\/M)\": 15  <br>\r\n\"\u041f\u043e\u0441\u0442\u0430\u0432\u0449\u0438\u043a\u0438 \u0448\u043b\u044e\u0437\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433\":5     <br>\r\n<\/code><\/pre>\n<p>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0441 \u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u044e\u0442\u0441\u044f \u0440\u0435\u0430\u043b\u044c\u043d\u044b\u0435 \u043a\u043e\u043d\u0435\u0447\u043d\u044b\u0435 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0438, \u0432\u043a\u043b\u044e\u0447\u0430\u044e\u0442 \u0432 \u0441\u0435\u0431\u044f.<\/p>\n<p>\u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u0433\u043e\u0434\u043e\u0432\u044b\u0445 \u0441\u0431\u043e\u0440\u043e\u0432.<br \/>\n-Maybank Islamic PETRONAS Visa: \u043f\u043e\u0436\u0438\u0437\u043d\u0435\u043d\u043d\u0430\u044f \u043e\u0442\u043c\u0435\u043d\u0430 \u0433\u043e\u0434\u043e\u0432\u043e\u0439 \u043f\u043b\u0430\u0442\u044b<br \/>\n-Public Bank Quantum Mastercard: \u043e\u0442\u043a\u0430\u0437 \u043e\u0442 \u0442\u0440\u0430\u0442 \u0434\u043e \u043e\u0442\u043c\u0435\u0442\u043a\u0438<br \/>\n-CIMB Cash Rebate Platinum: \u0431\u0435\u0437\u0443\u0441\u043b\u043e\u0432\u043d\u0430\u044f \u0441\u043a\u0438\u0434\u043a\u0430 \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 \u043f\u0435\u0440\u0432\u044b\u0445 \u0434\u0432\u0443\u0445 \u043b\u0435\u0442.<\/p>\n<p>\u041d\u0430\u0434\u0431\u0430\u0432\u043a\u0430 \u0437\u0430 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u044e \u0438\u043d\u043e\u0441\u0442\u0440\u0430\u043d\u043d\u043e\u0439 \u0432\u0430\u043b\u044e\u0442\u044b.<br \/>\n\u0423\u043d\u0438\u0432\u0435\u0440\u0441\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 - 1% \u043e\u0442 \u0441\u0443\u043c\u043c\u044b \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438, \u043d\u043e \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u044d\u043b\u0438\u0442\u043d\u044b\u0435 \u043a\u0430\u0440\u0442\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a HSBC Amanah MPower Visa Signature, \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0441\u043d\u0438\u0436\u0435\u043d\u044b \u0434\u043e \u043d\u0443\u043b\u044f.<\/p>\n<p>IV. \u0421\u043a\u0440\u044b\u0442\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 \u043f\u043e\u044f\u0432\u043b\u0435\u043d\u0438\u0435\u043c \u043d\u043e\u0432\u044b\u0445 \u043c\u0435\u0442\u043e\u0434\u043e\u0432 \u043e\u043f\u043b\u0430\u0442\u044b<\/p>\n<p>\u0420\u0430\u0441\u0447\u0435\u0442 \u0438\u0441\u0442\u0438\u043d\u043d\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0438 \u0434\u043b\u044f \u0443\u0441\u043b\u0443\u0433\u0438 \"\u041a\u0443\u043f\u0438 \u0441\u0435\u0439\u0447\u0430\u0441, \u0437\u0430\u043f\u043b\u0430\u0442\u0438 \u043f\u043e\u0442\u043e\u043c\".<\/p>\n<p>\u0421\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0430 \u0441\u0442\u0430\u0439\u043b\u0438\u043d\u0433\u043e\u0432\u044b\u0445 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c \u043d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 Atome \u0438 Splitit.<\/p>\n<pre><code>\u041f\u0440\u0435\u0434\u043f\u043e\u043b\u043e\u0436\u0438\u043c, \u0447\u0442\u043e \u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u043d\u0430 \u0441\u0443\u043c\u043c\u0443 RM1200 \u0434\u043e\u043b\u0436\u043d\u0430 \u0431\u044b\u0442\u044c \u043e\u043f\u043b\u0430\u0447\u0435\u043d\u0430 \u0432 3 \u043f\u043b\u0430\u0442\u0435\u0436\u0430.<br>\r\n\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510      <br>\r\n\u2502\u041f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u2502\u041e\u0431\u0449\u0438\u0435 \u043a\u0430\u043f\u0438\u0442\u0430\u043b\u044c\u043d\u044b\u0435 \u0437\u0430\u0442\u0440\u0430\u0442\u044b \u2502       <br>\r\n\u251c\u00f3\u0393\u00e9\u00bc\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u00f4\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524        <br>\r\n\u2502Atome \u2502RM400 + \u043d\u0443\u043b\u0435\u0432\u043e\u0439 \u043f\u0440\u043e\u0446\u0435\u043d\u0442 \u0437\u0430 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 (\u043d\u043e \u0448\u0442\u0440\u0430\u0444 \u0437\u0430 \u043f\u0440\u043e\u0441\u0440\u043e\u0447\u043a\u0443 8%\/\u043c\u0435\u0441\u044f\u0446)\u2502        <br>\r\n\u2502Splitit \u2502Bundled credit card still generates revolving interest of about 15%\/year \u2502         <br>\r\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518      <br>\r\n<\/code><\/pre>\n<blockquote>\n<p>\u0421\u043e\u0432\u0435\u0442 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u0430: \"\u041f\u0440\u043e\u0434\u0443\u043a\u0442\u044b BNPL \u0441 \u044f\u043a\u043e\u0431\u044b \u043d\u0443\u043b\u0435\u0432\u044b\u043c\u0438 \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u044b\u043c\u0438 \u0441\u0442\u0430\u0432\u043a\u0430\u043c\u0438 \u043e\u0431\u044b\u0447\u043d\u043e \u0440\u0435\u0430\u043b\u0438\u0437\u0443\u044e\u0442\u0441\u044f \u0437\u0430 \u0441\u0447\u0435\u0442 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432, \u0447\u0442\u043e \u0432 \u0434\u043e\u043b\u0433\u043e\u0441\u0440\u043e\u0447\u043d\u043e\u0439 \u043f\u0435\u0440\u0441\u043f\u0435\u043a\u0442\u0438\u0432\u0435 \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u043a \u0440\u043e\u0441\u0442\u0443 \u0446\u0435\u043d \u043d\u0430 \u0442\u043e\u0432\u0430\u0440\u044b\".<\/p>\n<\/blockquote>\n<p>V. \u041c\u0435\u0442\u043e\u0434\u044b \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0438 \u043d\u0430 \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u043f\u0440\u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u0445<\/p>\n<p>\u041e\u043f\u0442\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0432\u044b\u0431\u043e\u0440 \u043f\u0440\u043e\u0438\u043b\u043b\u044e\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d \u043d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 Wise \u043f\u043e \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u044e \u0441 \u0442\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u043c \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u043c:<\/p>\n<pre><code class=\"language-python\"># \u041c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u0438 \u0440\u0430\u0441\u0447\u0435\u0442\u0430 \u0434\u0435\u043d\u0435\u0436\u043d\u043e\u0433\u043e \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430 \u0432 \u041a\u0438\u0442\u0430\u0439 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 20 000 \u044e\u0430\u043d\u0435\u0439 <br>\r\ndef cost_calculation(amount).<br>\r\n    bank_fee = max(20, amount*0.001)+150 # \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u0442\u0440\u0430\u043d\u0437\u0438\u0442 \u043a\u043e\u0440\u0440\u0435\u0441\u043f\u043e\u043d\u0434\u0435\u043d\u0442\u0441\u043a\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 <br>\r\n    wise_fee = (\u0441\u0443\u043c\u043c\u0430*100)*0.0075 +9 # \u043f\u043e \u0441\u0440\u0435\u0434\u043d\u0435\u043c\u0443 \u043a\u0443\u0440\u0441\u0443<br>\r\n    <br>\r\nprint(f \"\u043e\u0431\u0449\u0430\u044f \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432: {\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0439_\u0441\u0431\u043e\u0440}\") \u0420\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442 # \u2248 RM170    <br>\r\nprint(f \"Wise total cost:{wise_fee}\") # \u0432\u044b\u0445\u043e\u0434\u043d\u043e\u0439 \u0440\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442 \u2248 RM84   <br>\r\n<\/code><\/pre>\n<p>\u041f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u043f\u043e\u043a\u0430\u0437\u044b\u0432\u0430\u0435\u0442, \u0447\u0442\u043e \u043f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0442 \u0441\u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0442\u044c \u043a\u0430\u043a \u043c\u0438\u043d\u0438\u043c\u0443\u043c 40%-60% \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438. \u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u043e\u0442\u0434\u0430\u0432\u0430\u0442\u044c \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0435\u043d\u0438\u0435 Alipay+ \u0438 \u0434\u0440\u0443\u0433\u0438\u043c \u0430\u0433\u0440\u0435\u0433\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u043c \u0440\u0435\u0448\u0435\u043d\u0438\u044f\u043c \u0434\u043b\u044f \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u0438\u0445 \u0438 \u0432\u044b\u0441\u043e\u043a\u043e\u0447\u0430\u0441\u0442\u043e\u0442\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u041a\u0430\u043a\u0430\u044f \u0441\u0430\u043c\u0430\u044f \u043d\u0438\u0437\u043a\u0430\u044f \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u044f \u0437\u0430 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0443 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u041c\u0430\u043b\u0430\u0439\u0437\u0438\u0438? \u0412\u0441\u0435\u0441\u0442\u043e\u0440\u043e\u043d\u043d\u0435\u0435 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0438 \u0441\u043e\u0432\u0435\u0442\u044b \u043f\u043e \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u0438 \u0434\u0435\u043d\u0435\u0433 \u041f\u0440\u0438 \u0432\u044a\u0435\u0437\u0434\u0435 \u0432 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