{"id":3019,"date":"2025-05-24T11:08:30","date_gmt":"2025-05-24T03:08:30","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3019"},"modified":"2025-05-24T11:08:30","modified_gmt":"2025-05-24T03:08:30","slug":"%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/24\/%e8%8f%b2%e5%be%8b%e5%ae%be%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98%e4%b8%8e%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%e7%9a%84%e6%8a%80%e6%9c%af%e5%af%b9%e6%af%94\/","title":{"rendered":"\u0422\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0441\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u0438 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445"},"content":{"rendered":"<p>\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u0443\u0435\u0442 \u0447\u0435\u0442\u043a\u0438\u0435 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u044b\u0435 \u0438 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0440\u0430\u0437\u043b\u0438\u0447\u0438\u044f, \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0432 \u043f\u043b\u0430\u043d\u0435 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b, \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0439 \u0431\u0430\u0437\u044b, \u043f\u0440\u0438\u0432\u044b\u0447\u0435\u043a \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0438 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u0432. \u0421\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0430\u0441\u043f\u0435\u043a\u0442\u043e\u0432 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043d\u0438\u0436\u0435:<\/p>\n<h3>I. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0440\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u0432 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0435<\/h3>\n<ol>\n<li><strong>\u041c\u0435\u0441\u0442\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u0441\u0435\u0442\u044c<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u041e\u043f\u043e\u0440\u0430 \u043d\u0430 \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u044b\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u044b PESONet \u0438 InstaPay, \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u0443\u0435\u043c\u044b\u0435 Bangko Sentral ng Pilipinas (BSP)<\/li>\n<li>\u041e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u0430 \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u043e\u0439 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 (PIS) \u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0440\u0430\u0441\u0447\u0435\u0442\u044b 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>\u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043a\u0430\u043d\u0430\u043b\u044b \u0434\u043e\u0441\u0442\u0443\u043f\u0430: GCash (\u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a), Dragonpay (\u0448\u043b\u044e\u0437), \u043f\u0440\u044f\u043c\u043e\u0435 \u043f\u043e\u0434\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435 \u043a \u0431\u0430\u043d\u043a\u0443<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u0421\u0435\u0442\u044c SWIFT \u0434\u043e\u043c\u0438\u043d\u0438\u0440\u0443\u0435\u0442 \u0432 \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\u0430\u0445 (90%+ \u0444\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 OFW)<\/li>\n<li>\u041a\u0430\u0440\u0442\u043e\u0447\u043d\u044b\u0435 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a Visa\/Mastercard, \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 \u043e\u0431\u043c\u0435\u043d\u0430 \u0441\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u044f\u043c\u0438 ISO8583.<\/li>\n<li>\u041d\u043e\u0432\u0430\u044f \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430: \u043f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 Ripple \u043f\u043e \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u043c \u0440\u0430\u0441\u0447\u0435\u0442\u0430\u043c \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d\u0430<\/li>\n<\/ul>\n<h3>II. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u043a \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044e<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0438\u0437\u043c\u0435\u0440\u0435\u043d\u0438\u0435 (\u043c\u0430\u0442\u0435\u043c.)<\/th>\n<th>\u041c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f<\/th>\n<th>\u0422\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u043c<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0412\u0435\u0440\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f KYC<\/td>\n<td>BSP Circular 108 \u0423\u0440\u043e\u0432\u0435\u043d\u044c 2 \u0412\u0430\u043b\u0438\u0434\u0430\u0446\u0438\u044f<\/td>\n<td>\u041f\u0440\u0430\u0432\u0438\u043b\u043e \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439 \u0424\u0410\u0422\u0424<\/td>\n<\/tr>\n<tr>\n<td>\u0421\u043a\u0440\u0438\u043d\u0438\u043d\u0433 \u0410\u041c\u041b<\/td>\n<td>\u0411\u0430\u0437\u0430 \u0434\u0430\u043d\u043d\u044b\u0445 \u0447\u0435\u0440\u043d\u044b\u0445 \u0441\u043f\u0438\u0441\u043a\u043e\u0432 PH Native<\/td>\n<td>\u0413\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u044b\u0435 \u0431\u0430\u0437\u044b \u0434\u0430\u043d\u043d\u044b\u0445, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a WorldCheck<\/td>\n<\/tr>\n<tr>\n<td>\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0445<\/td>\n<td>BSP \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0441\u0443\u0432\u0435\u0440\u0435\u043d\u0438\u0442\u0435\u0442\u0430 \u0434\u0430\u043d\u043d\u044b\u0445 \u0432\u043d\u0443\u0442\u0440\u0438 \u0441\u0442\u0440\u0430\u043d\u044b<\/td>\n<td>\u0421\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f PCI DSS \u0443\u0440\u043e\u0432\u043d\u044f 1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>III. \u0420\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u043c\u0435\u0436\u0434\u0443 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u043c\u0438 \u0441\u0442\u0435\u043a\u0430\u043c\u0438<\/h3>\n<p><strong>\u041c\u0435\u0441\u0442\u043d\u044b\u0435 \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438 \u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430:<\/strong><\/p>\n<ul>\n<li>GCash \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c \u0441 \u0442\u0435\u043b\u0435\u0444\u043e\u043d\u0430\u043c\u0438, \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0449\u0438\u043c\u0438 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u043f\u0440\u043e\u0442\u043e\u043a\u043e\u043b USSD.<\/li>\n<li>Dragonpay \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u0432\u043d\u0435\u0431\u0438\u0440\u0436\u0435\u0432\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 (\u043c\u0430\u0433\u0430\u0437\u0438\u043d\u044b \u0443 \u0434\u043e\u043c\u0430\/\u043b\u043e\u043c\u0431\u0430\u0440\u0434\u044b)<\/li>\n<\/ul>\n<h3><strong>IV. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u043f\u043e\u0442\u043e\u043a\u043e\u0432 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h3>\n<h4><strong>1. \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u044b\u0439 \u043f\u043e\u0442\u043e\u043a \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 (\u043d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 GCash)<\/strong><\/h4>\n<ul>\n<li><strong>\u0422\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438, \u0438\u043d\u0438\u0446\u0438\u0438\u0440\u0443\u0435\u043c\u044b\u0435 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u043c<\/strong>: \u0412\u0432\u0435\u0434\u0438\u0442\u0435 \u043f\u043e\u043b\u0443\u0447\u0430\u0442\u0435\u043b\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0430 \u0438 \u0441\u0443\u043c\u043c\u0443 \u0447\u0435\u0440\u0435\u0437 \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435\/USSD<\/li>\n<li><strong>\u0412\u0435\u0440\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432<\/strong>: \u0414\u0432\u043e\u0439\u043d\u0430\u044f \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0441 \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u043e\u0439 SIM-\u043a\u0430\u0440\u0442\u044b + \u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u044f \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c\u0438 BSP<\/li>\n<li><strong>\u041f\u0443\u0442\u044c \u043b\u0438\u043a\u0432\u0438\u0434\u0430\u0446\u0438\u0438<\/strong>: \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435\/\u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b \u0447\u0435\u0440\u0435\u0437 PESONet (\u043c\u0430\u0441\u0441\u043e\u0432\u044b\u0439 \u043a\u043b\u0438\u0440\u0438\u043d\u0433) \u0438\u043b\u0438 InstaPay (\u0440\u0430\u0441\u0447\u0435\u0442\u044b \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>\u0440\u0430\u0441\u0447\u0451\u0442\u043d\u044b\u0439 \u0446\u0438\u043a\u043b<\/strong>: T+0 (InstaPay) \u0438\u043b\u0438 T+1 (PESONet), \u0446\u0435\u043d\u044b \u043d\u0430 PHP \u0431\u0435\u0437 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u0438 \u043e\u0431\u043c\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u0443\u0440\u0441\u0430<\/li>\n<\/ul>\n<h4><strong>2. \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439 \u043f\u043e\u0442\u043e\u043a \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 (\u043d\u0430 \u043f\u0440\u0438\u043c\u0435\u0440\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 Visa)<\/strong><\/h4>\n<ul>\n<li><strong>\u0417\u0430\u043f\u0440\u043e\u0441 \u043d\u0430 \u0430\u0432\u0442\u043e\u0440\u0438\u0437\u0430\u0446\u0438\u044e<\/strong>\u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0438\u0439 \u0442\u043e\u0440\u0433\u043e\u0432\u0435\u0446: \u0438\u043d\u0438\u0446\u0438\u0430\u0446\u0438\u044f POS \u2192 \u044d\u043a\u0432\u0430\u0439\u0435\u0440 \u2192 \u0441\u0435\u0442\u044c Visa \u2192 \u0430\u0443\u0434\u0438\u0442 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u044d\u043c\u0438\u0442\u0435\u043d\u0442\u0430 (\u0432\u0435\u0440\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f 3D Secure \u0438 \u0442. \u0434.)<\/li>\n<li><strong>\u0441\u043b\u043e\u0439 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u0438 \u0432\u0430\u043b\u044e\u0442<\/strong>:: \u0414\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0440\u0430\u0441\u0447\u0435\u0442\u044b \u043e\u0431\u043c\u0435\u043d\u043d\u044b\u0445 \u043a\u0443\u0440\u0441\u043e\u0432 + \u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0435 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u0434\u043b\u044f 1%-3%, \u0432\u043a\u043b\u044e\u0447\u0430\u044e\u0449\u0438\u0435 \u0432\u043e\u043f\u0440\u043e\u0441\u044b \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438 \u043f\u0440\u043e\u043c\u0435\u0436\u0443\u0442\u043e\u0447\u043d\u044b\u0445 \u0441\u0442\u0440\u043e\u043a<\/li>\n<li><strong>\u041e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432<\/strong>:: \u0421\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u0435 SWIFT MT103 \u0434\u043b\u044f \u043e\u043a\u043e\u043d\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0430\u0441\u0447\u0435\u0442\u0430, \u043e\u0431\u044b\u0447\u043d\u043e \u0437\u0430\u043d\u0438\u043c\u0430\u0435\u0442 2~5 \u0440\u0430\u0431\u043e\u0447\u0438\u0445 \u0434\u043d\u0435\u0439.<\/li>\n<\/ul>\n<h3><strong>V. \u0410\u043d\u0430\u043b\u0438\u0437 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0442\u043e\u0447\u0435\u043a \u0440\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u0432 \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0435<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0422\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u044d\u043b\u0435\u043c\u0435\u043d\u0442\u044b<\/th>\n<th>\u041c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d<\/th>\n<th>\u041f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0430 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043e\u0432<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041f\u0440\u043e\u0442\u043e\u043a\u043e\u043b\u044b API<\/td>\n<td>\u041d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 REST\/SOAP, \u0441 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0443\u043d\u0430\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u043d\u044b\u043c\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u0430\u043c\u0438, \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0449\u0438\u043c\u0438 \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u044b ISO8583<\/td>\n<td>GraphQL+OAuth2.0 Mainstreaming<\/td>\n<\/tr>\n<tr>\n<td>\u0448\u0438\u0444\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0434\u0430\u043d\u043d\u044b\u0445<\/td>\n<td>\u041c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 AES-128, \u0443\u043a\u0430\u0437\u0430\u043d\u043d\u044b\u0439 BSP<\/td>\n<td>PCI DSS \u043f\u0440\u0435\u0434\u043f\u0438\u0441\u044b\u0432\u0430\u0435\u0442 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 TLS1.2+\/SHA256<\/td>\n<\/tr>\n<tr>\n<td>\u041f\u043e\u0442\u0435\u043d\u0446\u0438\u0430\u043b \u0433\u043e\u0442\u043e\u0432\u043d\u043e\u0441\u0442\u0438 \u043a \u0441\u0442\u0438\u0445\u0438\u0439\u043d\u044b\u043c \u0431\u0435\u0434\u0441\u0442\u0432\u0438\u044f\u043c<\/td>\n<td>\u0412 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0440\u0430\u0437\u0432\u0435\u0440\u0442\u044b\u0432\u0430\u043d\u0438\u0435 \u0442\u043e\u043b\u044c\u043a\u043e \u0432 \u043e\u0434\u043d\u043e\u043c \u0446\u0435\u043d\u0442\u0440\u0435 \u043e\u0431\u0440\u0430\u0431\u043e\u0442\u043a\u0438 \u0434\u0430\u043d\u043d\u044b\u0445<\/td>\n<td>\u041c\u043d\u043e\u0433\u043e\u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0430 Active-Active<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>VI. \u0420\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u0432 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0438 \u043d\u043e\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<br \/>\n1. \u041f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0431\u043b\u043e\u043a\u0447\u0435\u0439\u043d:<br \/>\n- \u041c\u0435\u0441\u0442\u043d\u044b\u0435: \u0418\u0441\u043f\u044b\u0442\u0430\u043d\u0438\u0435 \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u0445 \u043c\u043e\u043d\u0435\u0442 \u043e\u0442 UnionBank \u0432 PHX \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043e \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u043c\u0438 B2B \u0434\u043b\u044f \u0431\u0438\u0437\u043d\u0435\u0441\u0430.<br \/>\n- \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0439: Ripple \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0430\u0435\u0442 \u0441 SEA Bank, \u0447\u0442\u043e\u0431\u044b \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0442\u044c \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 \u042f\u043f\u043e\u043d\u0438\u044f-\u041a\u043e\u0440\u0435\u044f \u2192 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u044b \u0437\u0430 \u0441\u0447\u0438\u0442\u0430\u043d\u043d\u044b\u0435 \u0441\u0435\u043a\u0443\u043d\u0434\u044b<\/p>\n<p>2. \u0423\u0440\u043e\u0432\u0435\u043d\u044c \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 AI:<br \/>\n-\u041b\u043e\u043a\u0430\u043b\u044c\u043d\u044b\u0435 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 \u0432\u0441\u0435 \u0435\u0449\u0435 \u043f\u043e\u043b\u0430\u0433\u0430\u044e\u0442\u0441\u044f \u043d\u0430 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u0445.<br \/>\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 \u043f\u0440\u0438\u043c\u0435\u043d\u044f\u044e\u0442 \u043c\u043e\u0434\u0435\u043b\u0438 \u0433\u043b\u0443\u0431\u043e\u043a\u043e\u0433\u043e \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0435\u043d\u0438\u044f \u043c\u0435\u0436\u0442\u0435\u0440\u0440\u0438\u0442\u043e\u0440\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043e\u0431\u043d\u0430\u043b\u0438\u0447\u0438\u0432\u0430\u043d\u0438\u0439.<\/p>\n<p>VII. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0437\u0430\u0442\u0440\u0430\u0442 \u043d\u0430 \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044e \u0441 \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0447\u0438\u043a\u0430\u043c\u0438<\/p>\n<pre><code class=\"language-python\"># \u041f\u0440\u0438\u043c\u0435\u0440 API GCash (\u0442\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u043f\u0440\u0435\u0434\u0432\u0430\u0440\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u043e\u0432)<br>\r\nheaders = {\"X-GCash-AppKey\": \"BSP_ISSUED_KEY\"}<br>\r\nresponse = post(\"\/pesonet\/transfer\", data={\"\u0441\u0443\u043c\u043c\u0430\":1000, \"\u043f\u043e\u043b\u0443\u0447\u0430\u0442\u0435\u043b\u044c\": \"0917XXX\"})<br>\r\n<br>\r\n# \u041f\u0440\u0438\u043c\u0435\u0440 API Stripe Internationalisation (\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 SDK)<br>\r\ncharge = stripe.Charge.create(<br>\r\n    amount=2000, currency=\"usd\",<br>\r\n    source=\"tok_visa\", description=\"\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u0430\u044f\"<br>\r\n) <br>\r\n<\/code><\/pre>\n<p><em>\u041f\u0440\u0438\u043c\u0435\u0447\u0430\u043d\u0438\u0435: \u043c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u0447\u0430\u0441\u0442\u043e \u0442\u0440\u0435\u0431\u0443\u044e\u0442 \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043f\u043e\u0434\u0445\u043e\u0434\u0430, \u0432 \u0442\u043e \u0432\u0440\u0435\u043c\u044f \u043a\u0430\u043a Stripe\/PayPal \u0438 \u0442. \u0434. \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u044e\u0442 \u0433\u043b\u043e\u0431\u0430\u043b\u044c\u043d\u044b\u0435 SDK.<\/em><\/p>\n<hr>\n<p>\u042d\u0432\u043e\u043b\u044e\u0446\u0438\u043e\u043d\u043d\u043e\u0435 \u043f\u0440\u043e\u0433\u043d\u043e\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0442\u0440\u0435\u043d\u0434\u043e\u0432:<br \/>\n1.<strong>\u0421\u0431\u043b\u0438\u0436\u0435\u043d\u0438\u0435 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u044b\u0445 \u0430\u043a\u0442\u043e\u0432<\/strong>BSP \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u044b AML \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0435 \u0441 FATF \u043a 2025 \u0433\u043e\u0434\u0443, \u0447\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u043f\u0440\u0438\u0432\u0435\u0441\u0442\u0438 \u043a \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u044e \u0440\u0430\u0441\u0445\u043e\u0434\u043e\u0432 \u043d\u0430 \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0439 \u0434\u043b\u044f \u043f\u043e\u0441\u0442\u0430\u0432\u0449\u0438\u043a\u043e\u0432 LTS.<br \/>\n2.<strong>\u0414\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043f\u0440\u0438 \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0441\u0442\u0435\u043a\u0430<\/strong>InstaPay \u0442\u0435\u0441\u0442\u0438\u0440\u0443\u0435\u0442 \u043c\u0438\u0433\u0440\u0430\u0446\u0438\u044e \u0441\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u0439 ISO20022 \u0438, \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e, \u0432 \u0431\u0443\u0434\u0443\u0449\u0435\u043c \u0431\u0443\u0434\u0435\u0442 \u0432\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u043e\u0432\u0430\u0442\u044c \u0441 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u043c\u0438 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u043c\u0438 SWIFT.<\/p>\n<h3><strong>VIII. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0433\u043b\u0443\u0431\u0438\u043d\u044b \u043e\u0445\u0432\u0430\u0442\u0430 \u0441\u0446\u0435\u043d \u043e\u043f\u043b\u0430\u0442\u044b<\/strong><\/h3>\n<h4><strong>1. \u0432\u044b\u0433\u043e\u0434\u043d\u044b\u0435 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0438 \u0434\u043b\u044f \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h4>\n<ul>\n<li>\n<p><strong>\u0412\u044b\u0441\u043e\u043a\u043e\u0447\u0430\u0441\u0442\u043e\u0442\u043d\u044b\u0435 \u043c\u0438\u043a\u0440\u043e\u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438<\/strong>::<\/p>\n<ul>\n<li>\u041a\u043e\u0448\u0435\u043b\u0435\u043a GCash\/ Maya \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 &lt;500PHP (~9USD) \u0434\u043b\u044f \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0431\u0435\u0437 \u0441\u0435\u043a\u0440\u0435\u0442\u043e\u0432, \u0447\u0442\u043e \u043f\u043e\u0434\u0445\u043e\u0434\u0438\u0442 \u0434\u043b\u044f \u0442\u0430\u043a\u0438\u0445 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0435\u0432 \u043d\u0430\u043b\u0438\u0447\u043d\u043e\u0439 \u044d\u043a\u043e\u043d\u043e\u043c\u0438\u043a\u0438, \u043a\u0430\u043a \u043f\u0440\u043e\u0434\u0443\u043a\u0442\u043e\u0432\u044b\u0435 \u0440\u044b\u043d\u043a\u0438 \u0438 \u0442\u0440\u0435\u0445\u043a\u043e\u043b\u0435\u0441\u043d\u044b\u0435 \u0432\u0435\u043b\u043e\u0441\u0438\u043f\u0435\u0434\u044b.<\/li>\n<li>\u041c\u043e\u0434\u0435\u043b\u044c Dragonpay OTC (Over-the-Counter) \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c \u043f\u043e\u043f\u043e\u043b\u043d\u044f\u0442\u044c \u0441\u0432\u043e\u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438 \u0432 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0430\u0445, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a 7-Eleven.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0420\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u0435 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f<\/strong>::<\/p>\n<ul>\n<li>\u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f (SSS) \u0432\u044b\u0434\u0430\u0435\u0442 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0438 \u0432 \u043c\u0430\u0441\u0441\u043e\u0432\u043e\u043c \u043f\u043e\u0440\u044f\u0434\u043a\u0435 \u0447\u0435\u0440\u0435\u0437 PESONet, \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u0434\u043e\u043f\u0443\u0441\u043a\u0430\u044e\u0442\u0441\u044f \u0431\u043e\u043b\u044c\u0448\u0438\u0435 \u0437\u0430\u0434\u0435\u0440\u0436\u043a\u0438, \u043d\u043e \u0437\u0430\u0442\u0440\u0430\u0442\u044b \u043e\u0447\u0435\u043d\u044c \u043d\u0438\u0437\u043a\u0438\u0435 (&lt;0,1PHP \u0437\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u044e).<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>2. \u043d\u0435\u0437\u0430\u043c\u0435\u043d\u0438\u043c\u043e\u0441\u0442\u044c \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h4>\n<ul>\n<li><strong>\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0440\u0430\u0441\u0447\u0435\u0442\u044b \u0432 \u0441\u0444\u0435\u0440\u0435 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438<\/strong>\u0425\u043e\u0442\u044f Lazada\/Shopee Philippines \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 GCash, \u043f\u0440\u043e\u0434\u0430\u0432\u0446\u0430\u043c, \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0449\u0438\u043c \u0437\u0430 \u0433\u0440\u0430\u043d\u0438\u0446\u0435\u0439, \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u0432\u044b\u0432\u043e\u0434\u0438\u0442\u044c \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0435 \u043d\u0430 \u0441\u0432\u043e\u0438 \u0437\u0430\u0440\u0443\u0431\u0435\u0436\u043d\u044b\u0435 \u0441\u0447\u0435\u0442\u0430 \u0447\u0435\u0440\u0435\u0437 Payoneer\/Wise, \u0447\u0442\u043e \u0441\u0432\u044f\u0437\u0430\u043d\u043e \u0441 \u043f\u043e\u0442\u0435\u0440\u044f\u043c\u0438 \u043f\u0440\u0438 \u043a\u043e\u043d\u0432\u0435\u0440\u0442\u0430\u0446\u0438\u0438 \u0432\u0430\u043b\u044e\u0442\u044b.<\/li>\n<li><strong>\u042d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0442\u0440\u0443\u0434\u043e\u0432\u044b\u0445 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432<\/strong>OFW (Overseas Filipino Workers) \u043f\u043e\u043b\u0430\u0433\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u043c\u043d\u043e\u0433\u043e\u0443\u0440\u043e\u0432\u043d\u0435\u0432\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 Western Union \u2192 \u043c\u0435\u0441\u0442\u043d\u044b\u0435 \u0431\u0430\u043d\u043a\u0438 \u2192 GCash, \u0441\u043e SWIFT-\u0431\u0430\u043d\u043a\u043e\u043c-\u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u043e\u043c \u0434\u043e 5%~8%.<\/li>\n<\/ul>\n<hr>\n<h3><strong>IX. \u0410\u043d\u0430\u043b\u0438\u0437 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0434\u043e\u043b\u0433\u0430 \u0438 \u0443\u0437\u043a\u0438\u0445 \u043c\u0435\u0441\u0442 \u0432 \u0438\u043d\u043d\u043e\u0432\u0430\u0446\u0438\u044f\u0445<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0420\u0430\u0437\u043c\u0435\u0440\u043d\u043e\u0441\u0442\u044c \u0432\u044b\u0437\u043e\u0432\u0430<\/th>\n<th>\u041c\u0435\u0441\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u044b<\/th>\n<th>\u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u044b<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041d\u0430\u0433\u0440\u0443\u0437\u043a\u0430 \u043d\u0430 \u0443\u043d\u0430\u0441\u043b\u0435\u0434\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443<\/td>\n<td>40% \u0421\u0435\u043b\u044c\u0441\u043a\u0438\u0435 \u0431\u0430\u043d\u043a\u0438 \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0442 \u0431\u0430\u0437\u043e\u0432\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 COBOL<\/td>\n<td>Visa\/MC \u043f\u043e\u043b\u043d\u043e\u0441\u0442\u044c\u044e \u043f\u0435\u0440\u0435\u0448\u043b\u0430 \u043d\u0430 \u043e\u0431\u043b\u0430\u0447\u043d\u0443\u044e \u043d\u0430\u0442\u0438\u0432\u043d\u0443\u044e \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0443<\/td>\n<\/tr>\n<tr>\n<td>\u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u0430\u044f \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0441\u0442\u044c<\/td>\n<td>\u0414\u043b\u044f \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u043c\u0435\u0436\u0434\u0443 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u043c\u0438 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u043c\u0438 \u0442\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u0440\u0443\u0447\u043d\u043e\u0435 \u0432\u043c\u0435\u0448\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e<\/td>\n<td>\u0421\u043e\u0437\u0434\u0430\u0435\u0442\u0441\u044f \u043f\u0430\u043d\u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u0441\u0435\u0442\u044c, \u043f\u043e\u0434\u043e\u0431\u043d\u0430\u044f SEPA<\/td>\n<\/tr>\n<tr>\n<td>\u0423\u0447\u0430\u0441\u0442\u0438\u0435 \u0432 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043d\u043e\u0439 \u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0435<\/td>\n<td>\u0422\u043e\u043b\u044c\u043a\u043e 3 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0432\u043e\u0448\u043b\u0438 \u0432 \u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0443 BSP<\/td>\n<td>\u041f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0430 HKMA \u0432 \u0421\u0438\u043d\u0433\u0430\u043f\u0443\u0440\u0435 \u0438\u043d\u043a\u0443\u0431\u0438\u0440\u043e\u0432\u0430\u043b\u0430 50+ \u043f\u0440\u043e\u0435\u043a\u0442\u043e\u0432<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<p>X. \u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0442\u043e\u0447\u043a\u0438 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u043a\u043e\u043d\u0444\u043b\u0438\u043a\u0442\u0430 \u043d\u0430 \u0431\u043b\u0438\u0436\u0430\u0439\u0448\u0438\u0435 \u043f\u044f\u0442\u044c \u043b\u0435\u0442<br \/>\n1.<strong>\u0412 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438: \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0438 \u043b\u043e\u043a\u0430\u043b\u044c\u043d\u044b\u0435 \u043d\u043e\u0440\u043c\u044b.<\/strong><\/p>\n<ul>\n<li>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f InstaPay \u043f\u044b\u0442\u0430\u043b\u0430\u0441\u044c \u0440\u0430\u0441\u0448\u0438\u0440\u0438\u0442\u044c \u0441\u0432\u043e\u044e \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u044b ASEAN Fast Track (\u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0447\u043d\u043e\u0439 PromptPay \u0432 \u0422\u0430\u0438\u043b\u0430\u043d\u0434\u0435), \u043d\u043e \u0435\u0435 \u043e\u0433\u0440\u0430\u043d\u0438\u0447\u0438\u043b\u0430 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0430 BSP \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0432\u0430\u043b\u044e\u0442\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f.<\/li>\n<\/ul>\n<p>2.<strong>\u0414\u0438\u0441\u043a\u0443\u0441\u0441\u0438\u044f \u043e \u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u0445<\/strong><\/p>\n<ul>\n<li>GCash \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442 \u0441\u0430\u043c\u043e\u0441\u0442\u043e\u044f\u0442\u0435\u043b\u044c\u043d\u043e \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0430\u043d\u043d\u0443\u044e \u0441\u0438\u0441\u0442\u0435\u043c\u0443 \u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u044f \u043b\u0438\u0446 (\u043a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u043b\u043e\u0436\u043d\u044b\u0445 \u0441\u0440\u0430\u0431\u0430\u0442\u044b\u0432\u0430\u043d\u0438\u0439 1%) \u043f\u0440\u043e\u0442\u0438\u0432 \"\u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043a\u0430\u0441\u0441\u044b\" Mastercard, \u043a\u043e\u0442\u043e\u0440\u0430\u044f \u043f\u043e\u0434\u0447\u0438\u043d\u044f\u0435\u0442\u0441\u044f \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430\u043c FIDO Alliance.<\/li>\n<\/ul>\n<p>3.<strong>\u0418\u0441\u043f\u044b\u0442\u0430\u043d\u0438\u0435 \u043d\u0430 \u0432\u043e\u0437\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0435 CBDC<\/strong><\/p>\n<ul>\n<li>BSP \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442 \u0441\u043e\u0437\u0434\u0430\u0442\u044c \u043e\u043f\u0442\u043e\u0432\u0443\u044e \u0446\u0438\u0444\u0440\u043e\u0432\u0443\u044e \u0432\u0430\u043b\u044e\u0442\u0443 (CBDC) \u0434\u043b\u044f \u043c\u0435\u0436\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u043e\u0433\u043e \u043a\u043b\u0438\u0440\u0438\u043d\u0433\u0430, \u0447\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u043e\u0442\u0442\u0435\u0441\u043d\u0438\u0442\u044c \u043d\u0430 \u0432\u0442\u043e\u0440\u043e\u0439 \u043f\u043b\u0430\u043d \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0443\u044e PESONet, \u0430 \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u0430\u044f \u043a\u0430\u0440\u0442\u043e\u0447\u043d\u0430\u044f \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u0435\u0442 \u0437\u0430 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0443 \u0432\u0437\u0430\u0438\u043c\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044f \u0441\u043e \u0441\u0442\u0430\u0431\u0438\u043b\u044c\u043d\u044b\u043c\u0438 \u043c\u043e\u043d\u0435\u0442\u0430\u043c\u0438.<\/li>\n<\/ul>\n<hr>\n<p>XI. \u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u043f\u043e \u043e\u0442\u0431\u043e\u0440\u0443 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439<\/p>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a LR<br>\r\nA [\u043f\u043e\u0442\u0440\u0435\u0431\u043d\u043e\u0441\u0442\u044c \u0431\u0438\u0437\u043d\u0435\u0441\u0430] --&gt; B {\u041d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u043b\u0438 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044c \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445?}<br>\r\nB --&gt;|Yes| C [\u041f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043d\u0430\u044f \u0441\u0442\u044b\u043a\u043e\u0432\u043a\u0430 GCash+PESONet]<br>\r\nB --&gt; |No| D [\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0439 \u043c\u0430\u0440\u0448\u0440\u0443\u0442\u0438\u0437\u0430\u0446\u0438\u0438 Stripe+SWIFT]<br>\r\nC --&gt; E [\u041e\u0431\u0440\u0430\u0442\u0438\u0442\u0435 \u0432\u043d\u0438\u043c\u0430\u043d\u0438\u0435 \u043d\u0430 \u0434\u043d\u0435\u0432\u043d\u043e\u0439 \u043b\u0438\u043c\u0438\u0442 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432 100 000 PHP].<br>\r\nD --&gt; F [\u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0438\u0442\u0435 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u044f Ripple \u0434\u043b\u044f \u0443\u043c\u0435\u043d\u044c\u0448\u0435\u043d\u0438\u044f \u0437\u0430\u0434\u0435\u0440\u0436\u043a\u0438].<br>\r\n<\/code><\/pre>\n<p>\u041a\u043b\u044e\u0447\u0435\u0432\u044b\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u044b \u043f\u0440\u0438\u043d\u044f\u0442\u0438\u044f \u0440\u0435\u0448\u0435\u043d\u0438\u0439:<\/p>\n<ul>\n<li><strong>\u0427\u0443\u0432\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u043a \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u0438 \u043f\u0440\u0438\u0431\u044b\u0442\u0438\u044f<\/strong>: InstaPay (\u0441\u0435\u043a\u0443\u043d\u0434\u044b) \u043f\u0440\u043e\u0442\u0438\u0432 SWIFT (2 \u0434\u043d\u044f +)<\/li>\n<li><strong><em>\u041d\u0435\u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435<\/em>\u0434\u043e\u043b\u044f \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f<\/strong>: \u043e\u0445\u0432\u0430\u0442 \u0431\u0435\u0437\u0440\u0435\u0446\u0435\u043f\u0442\u0443\u0440\u043d\u044b\u0445 \u043a\u0430\u043d\u0430\u043b\u043e\u0432 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u044f\u0435\u0442 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u043d\u0430 \u0440\u044b\u043d\u043a\u0438 \u0441\u0442\u043e\u043a\u043e\u0432<\/li>\n<\/ul>\n<hr>\n<p>\u0421\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u043c \u0448\u0430\u0433\u043e\u043c \u0432 \u0440\u0430\u0437\u0432\u0438\u0442\u0438\u0438 \u043c\u043e\u0436\u0435\u0442 \u0441\u0442\u0430\u0442\u044c \"\u0433\u0438\u0431\u0440\u0438\u0434\u043d\u0430\u044f \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0430\" - \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0440\u0435\u0448\u0435\u043d\u0438\u0435 Alipay+ \u043e\u0442 Ant Group \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442 \u043a\u0430\u043a \u043c\u0435\u0441\u0442\u043d\u044b\u0439 \u0442\u0440\u0430\u0444\u0438\u043a GCash, \u0442\u0430\u043a \u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u0443\u044e \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u0438\u043c\u043e\u0441\u0442\u044c QR-\u043a\u043e\u0434\u043e\u0432 \u0447\u0435\u0440\u0435\u0437 AlipayHK. \u0414\u043b\u044f \u044d\u0442\u043e\u0433\u043e \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0441\u0442\u0435\u043a, \u043e\u0442\u0432\u0435\u0447\u0430\u044e\u0449\u0438\u0439 \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u043c \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c.<br \/>\n\u2705 \u0421\u0438\u0441\u0442\u0435\u043c\u0430 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u0443\u0441\u043b\u0443\u0433 BSP<br \/>\n\u2705 \u0421\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f PCI DSS L3<br \/>\n\u2705 \u0421\u043f\u0435\u0446\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0430\u043b\u044c\u043d\u043e\u0433\u043e QR-\u043a\u043e\u0434\u0430 ASEAN<\/p>","protected":false},"excerpt":{"rendered":"<p>\u041f\u043b\u0430\u0442\u0435\u0436\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u043d\u0430 \u0424\u0438\u043b\u0438\u043f\u043f\u0438\u043d\u0430\u0445 \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u0443\u0435\u0442 \u0447\u0435\u0442\u043a\u043e\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u0440\u0430\u0437\u043b\u0438\u0447\u0438\u0435 \u043c\u0435\u0436\u0434\u0443 \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0435\u0439 \u0438 \u0438\u043d\u0442\u0435\u0440\u043d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0435\u0439, \u043f\u0440\u0438 \u044d\u0442\u043e\u043c \u043e\u0441\u043d\u043e\u0432\u043d\u0430\u044f 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