{"id":3102,"date":"2025-05-31T21:42:13","date_gmt":"2025-05-31T13:42:13","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3102"},"modified":"2025-05-31T21:42:13","modified_gmt":"2025-05-31T13:42:13","slug":"%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e4%b8%80%e6%96%87%e8%a7%a3%e6%9e%90%e9%a3%8e%e9%99%a9%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/05\/31\/%e4%b8%ad%e4%b8%9c%e6%94%af%e4%bb%98%e5%ae%89%e5%85%a8%e5%90%97%ef%bc%9f%e4%b8%80%e6%96%87%e8%a7%a3%e6%9e%90%e9%a3%8e%e9%99%a9%e4%b8%8e%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88\/","title":{"rendered":"\u0411\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u044b \u043b\u0438 \u0431\u043b\u0438\u0436\u043d\u0435\u0432\u043e\u0441\u0442\u043e\u0447\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438? \u0421\u0442\u0430\u0442\u044c\u044f, \u043e\u0431\u044a\u044f\u0441\u043d\u044f\u044e\u0449\u0430\u044f \u0440\u0438\u0441\u043a\u0438 \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u044f"},"content":{"rendered":"<p>\u0411\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043d\u0430 \u0411\u043b\u0438\u0436\u043d\u0435\u043c \u0412\u043e\u0441\u0442\u043e\u043a\u0435 \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0441\u0442\u0440\u0430\u043d\u044b, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u0438 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0439 \u0431\u0430\u0437\u044b. \u0412\u043e\u0442 \u0440\u0430\u0437\u0431\u0438\u0432\u043a\u0430 \u043f\u043e \u0430\u0441\u043f\u0435\u043a\u0442\u0430\u043c \u0440\u0438\u0441\u043a\u043e\u0432 \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u0439:<\/p>\n<hr>\n<h3><strong>I. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u0444\u0430\u043a\u0442\u043e\u0440\u044b \u0440\u0438\u0441\u043a\u0430<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u0440\u0435\u0433\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0435 \u043d\u0435\u0440\u0430\u0432\u0435\u043d\u0441\u0442\u0432\u043e<\/strong><\/p>\n<ul>\n<li>\u0421\u0442\u0440\u0430\u043d\u044b \u041f\u0435\u0440\u0441\u0438\u0434\u0441\u043a\u043e\u0433\u043e \u0437\u0430\u043b\u0438\u0432\u0430 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u041e\u0410\u042d, \u0421\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u0430\u044f \u0410\u0440\u0430\u0432\u0438\u044f) \u0438\u043c\u0435\u044e\u0442 \u0431\u043e\u043b\u0435\u0435 \u0440\u0430\u0437\u0432\u0438\u0442\u0443\u044e \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u0443\u044e \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0443 \u0438 \u0432\u044b\u0441\u043e\u043a\u0438\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c PCI DSS; \u043e\u0434\u043d\u0430\u043a\u043e \u0432 \u043d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0445 \u043a\u043e\u043d\u0444\u043b\u0438\u043a\u0442\u043d\u044b\u0445 \u0437\u043e\u043d\u0430\u0445 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0419\u0435\u043c\u0435\u043d, \u0421\u0438\u0440\u0438\u044f) \u0440\u0438\u0441\u043a \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0432\u044b\u0448\u0435.<\/li>\n<li>\u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e \u0434\u0430\u043d\u043d\u044b\u043c Visa 2023, \u0443\u0440\u043e\u0432\u0435\u043d\u044c \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u0441 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u043c\u0438 \u043a\u0430\u0440\u0442\u0430\u043c\u0438 \u043d\u0430 \u0411\u043b\u0438\u0436\u043d\u0435\u043c \u0412\u043e\u0441\u0442\u043e\u043a\u0435 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u0435\u0442 \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c 0,081 TP3T, \u0447\u0442\u043e \u043d\u0438\u0436\u0435 \u0441\u0440\u0435\u0434\u043d\u0435\u043c\u0438\u0440\u043e\u0432\u043e\u0433\u043e \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044f (0,11 TP3T), \u043e\u0434\u043d\u0430\u043a\u043e \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u044b \u0443\u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u043f\u043e\u0440\u043e\u0432 \u043f\u043e \u043d\u0435\u043a\u0430\u0440\u0442\u043e\u0447\u043d\u044b\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u0430\u043c (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0447\u0435\u0440\u0435\u0437 \u043c\u0435\u0441\u0442\u043d\u044b\u0435 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0438) \u043d\u0435 \u0440\u0430\u0437\u0432\u0438\u0442\u044b.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u043d\u0435\u0434\u043e\u0441\u0442\u0430\u0442\u043e\u043a<\/strong><\/p>\n<ul>\n<li>\u041d\u0435\u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043c\u0430\u043b\u044b\u0435 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0435 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f \u0432\u0441\u0435 \u0435\u0449\u0435 \u043f\u043e\u043b\u0430\u0433\u0430\u044e\u0442\u0441\u044f \u043d\u0430 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 MOTO (\u0442\u0435\u043b\u0435\u0444\u043e\u043d\u043d\u044b\u0435\/\u043f\u043e\u0447\u0442\u043e\u0432\u044b\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b) \u0438 \u043d\u0435 \u0438\u043c\u0435\u044e\u0442 \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 CVV.<\/li>\n<li>\u0411\u043b\u0438\u0436\u043d\u0435\u0432\u043e\u0441\u0442\u043e\u0447\u043d\u0430\u044f \u0430\u0441\u0441\u043e\u0446\u0438\u0430\u0446\u0438\u044f \u043a\u0438\u0431\u0435\u0440\u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0441\u043e\u043e\u0431\u0449\u0438\u043b\u0430, \u0447\u0442\u043e 43% POS-\u0442\u0435\u0440\u043c\u0438\u043d\u0430\u043b\u043e\u0432 \u0432 \u0440\u0435\u0433\u0438\u043e\u043d\u0435 \u043d\u0435 \u0437\u0430\u0432\u0435\u0440\u0448\u0438\u043b\u0438 \u043e\u0431\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435 \u0447\u0438\u043f\u043e\u0432 EMV \u0432 2022 \u0433\u043e\u0434\u0443.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u041d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u0430\u044f \u0444\u0440\u0430\u0433\u043c\u0435\u043d\u0442\u0430\u0446\u0438\u044f<\/strong><\/p>\n<ul>\n<li>\u0412 \u041e\u0410\u042d \u0434\u0435\u0439\u0441\u0442\u0432\u0443\u0435\u0442 \u0437\u0430\u043a\u043e\u043d \u043e\u0431 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u044f\u0445, \u0442\u0440\u0435\u0431\u0443\u044e\u0449\u0438\u0439 \u0441\u0442\u0440\u043e\u0433\u043e\u0439 \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u0438 \u043a\u043b\u0438\u0435\u043d\u0442\u0430 (SCA), \u043d\u043e \u0432 \u0442\u0430\u043a\u0438\u0445 \u0441\u0442\u0440\u0430\u043d\u0430\u0445, \u043a\u0430\u043a \u0418\u0440\u0430\u043a, \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043f\u0440\u0435\u043e\u0431\u043b\u0430\u0434\u0430\u044e\u0442 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0435 \u0434\u0435\u043d\u044c\u0433\u0438, \u0430 \u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043e\u0442\u0441\u0443\u0442\u0441\u0442\u0432\u0443\u0435\u0442.<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u041a\u0443\u043b\u044c\u0442\u0443\u0440\u043d\u0430\u044f \u0441\u043f\u0435\u0446\u0438\u0444\u0438\u043a\u0430<\/strong><\/p>\n<ul>\n<li>\u041d\u0430 \u0434\u043e\u043b\u044e COD (Cash on Delivery) \u043f\u0440\u0438\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u0434\u043e 651 TP3T (Statista 2023), \u0447\u0442\u043e \u043f\u0440\u0438\u0432\u043e\u0434\u0438\u0442 \u043a \u0440\u0438\u0441\u043a\u0443 \u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u0432 \u043b\u043e\u0433\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0446\u0435\u043f\u0438.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>II. \u0426\u0435\u043b\u0435\u0432\u044b\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f<\/strong><\/h3>\n<h4>(1) \u041a\u043e\u043d\u0442\u0440\u043e\u043b\u044c \u0440\u0438\u0441\u043a\u043e\u0432 \u043d\u0430 \u0441\u0442\u043e\u0440\u043e\u043d\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u044f<\/h4>\n<ul>\n<li><strong>\u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0432 \u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0435<\/strong>: \u041c\u043e\u0434\u0435\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0443\u044f\u0437\u0432\u0438\u043c\u043e\u0441\u0442\u0435\u0439 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u043f\u0440\u043e\u0446\u0435\u0441\u0441\u043e\u0432 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \"\u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u044b\", \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 \u0432 \u041c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u043e\u043c \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u043e\u043c \u0446\u0435\u043d\u0442\u0440\u0435 \u0414\u0443\u0431\u0430\u044f (DIFC), \u043f\u0435\u0440\u0435\u0434 \u0432\u044b\u0445\u043e\u0434\u043e\u043c \u043d\u0430 \u043d\u043e\u0432\u044b\u0435 \u0440\u044b\u043d\u043a\u0438.<\/li>\n<li><em>\u0434\u0435\u043b\u043e (\u043f\u0440\u0430\u0432\u043e)<\/em>: Careem Pay \u043e\u0431\u043d\u0430\u0440\u0443\u0436\u0438\u043b\u0430 \u0438 \u0443\u0441\u0442\u0440\u0430\u043d\u0438\u043b\u0430 \u0443\u044f\u0437\u0432\u0438\u043c\u043e\u0441\u0442\u044c \u0434\u0443\u0431\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u0445 \u043a\u043e\u0434\u043e\u0432 QR-\u043a\u043e\u0434\u0430 \u0447\u0435\u0440\u0435\u0437 ADGM Sandbox \u0432 \u0410\u0431\u0443-\u0414\u0430\u0431\u0438.<\/li>\n<\/ul>\n<h4>(2) \u0410\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u044f \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/h4>\n<ul>\n<li><em>\u043e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u043e\u043f\u0446\u0438\u044f<\/em>: \u0414\u043e\u0441\u0442\u0443\u043f \u043a \u043c\u0435\u0441\u0442\u043d\u044b\u043c \u044d\u043a\u0432\u0430\u0439\u0435\u0440\u0430\u043c, \u0442\u0430\u043a\u0438\u043c \u043a\u0430\u043a Network International (\u041e\u0410\u042d), Geidea (\u0421\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u0430\u044f \u0410\u0440\u0430\u0432\u0438\u044f), \u0447\u044c\u0438 \u0441\u0438\u0441\u0442\u0435\u043c\u044b \u0438\u043c\u0435\u044e\u0442 \u0432\u0441\u0442\u0440\u043e\u0435\u043d\u043d\u044b\u0435 \u043c\u043e\u0434\u0443\u043b\u0438 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0438 \u043e\u0442\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439, \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u043f\u0440\u0430\u0432\u0438\u043b\u0430\u043c \u0438\u0441\u043b\u0430\u043c\u0441\u043a\u043e\u0433\u043e \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f.<\/li>\n<li><em>\u0423\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u043d\u044b\u0439 \u0441\u0440\u043e\u043a<\/em>: \u0420\u0430\u0437\u0432\u0435\u0440\u0442\u044b\u0432\u0430\u043d\u0438\u0435 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u043e\u0432 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u0441 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435\u043c \u0418\u0418 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u043e\u0431\u0443\u0447\u0435\u043d\u0438\u044f \u043c\u043e\u0434\u0435\u043b\u0435\u0439 NLP, \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0449\u0438\u0445 \u0430\u0440\u0430\u0431\u0441\u043a\u0438\u0435 \u0432\u0430\u0440\u0438\u0430\u043d\u0442\u044b, \u0434\u043b\u044f \u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u044f \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0434\u0438\u0441\u043a\u0443\u0440\u0441\u0430.<\/li>\n<\/ul>\n<h4>(3) \u041e\u0431\u0443\u0447\u0435\u043d\u0438\u0435 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439<\/h4>\n<ul>\n<li>\u0420\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u043c\u043d\u043e\u0433\u043e\u044f\u0437\u044b\u0447\u043d\u044b\u0445 \u0441\u043e\u0432\u0435\u0442\u043e\u0432 \u043f\u043e \u0431\u043e\u0440\u044c\u0431\u0435 \u0441 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e\u043c: \u0432\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435 \u0441\u043b\u0435\u043d\u0433\u043e\u0432\u044b\u0445 \u0432\u0435\u0440\u0441\u0438\u0439 \u0430\u0440\u0430\u0431\u0441\u043a\u0438\u0445 \u0434\u0438\u0430\u043b\u0435\u043a\u0442\u043e\u0432 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0435\u0433\u0438\u043f\u0435\u0442\u0441\u043a\u0438\u0439 \u0434\u0438\u0430\u043b\u0435\u043a\u0442 \"\u0625\u062d\u062a\u064a\u0627\u0644\" \u043b\u0435\u0433\u0447\u0435 \u043f\u043e\u043d\u044f\u0442\u044c, \u0447\u0435\u043c \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u043d\u044b\u0439 \"\u063a\u0634\").<\/li>\n<li>\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u043e \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 COD: \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 \u043e\u0442\u043a\u043b\u043e\u043d\u0435\u043d\u043d\u044b\u0445 \u043f\u043e\u0441\u044b\u043b\u043e\u043a - \"\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u0435 COD\" \u043e\u0442 Aramex \u043f\u043e\u043a\u0440\u044b\u0432\u0430\u0435\u0442 \u0443\u0431\u044b\u0442\u043a\u0438 \u043f\u043e \u043e\u0442\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f\u043c \u0434\u043e 80%.<\/li>\n<\/ul>\n<hr>\n<h3><strong>III. \u0421\u043f\u0438\u0441\u043e\u043a \u043f\u0440\u0438\u043e\u0440\u0438\u0442\u0435\u0442\u043e\u0432 \u043f\u043e \u0441\u043e\u0431\u043b\u044e\u0434\u0435\u043d\u0438\u044e<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u043d\u0430\u0446\u0438\u0438<\/th>\n<th>\u041e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0443\u0440\u043e\u0432\u0435\u043d\u044c PCI DSS<\/th>\n<th>\u0412\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u0435 \u0432 \u0441\u0438\u043b\u0443 \u0417\u041e\u0411<\/th>\n<th>\u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u0435<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041e\u0410\u042d<\/td>\n<td>\u0423\u0440\u043e\u0432\u0435\u043d\u044c 1<\/td>\n<td>\u0414\u0430<\/td>\n<td>\u0422\u0440\u0435\u0431\u0443\u0435\u0442\u0441\u044f \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435 \u0437\u0430\u043f\u0438\u0441\u0435\u0439 \u043e \u0441\u0434\u0435\u043b\u043a\u0430\u0445 \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 10 \u043b\u0435\u0442<\/td>\n<\/tr>\n<tr>\n<td>\u041a\u0421\u0410<\/td>\n<td>\u0423\u0440\u043e\u0432\u0435\u043d\u044c 1<\/td>\n<td>\u0414\u0430<\/td>\n<td>\u0421\u0447\u0435\u0442-\u0444\u0430\u043a\u0442\u0443\u0440\u0430 \u0441 \u041d\u0414\u0421 \u0434\u043e\u043b\u0436\u0435\u043d \u0441\u043e\u0434\u0435\u0440\u0436\u0430\u0442\u044c QR-\u043a\u043e\u0434<\/td>\n<\/tr>\n<tr>\n<td>\u0415\u0433\u0438\u043f\u0435\u0442<\/td>\n<td>\u0423\u0440\u043e\u0432\u0435\u043d\u044c 2<\/td>\n<td>\u041d\u0435\u0442<\/td>\n<td>\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0434\u0435\u0431\u0435\u0442\u043e\u0432\u044b\u0435 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0438 \u043f\u043e \u043f\u043e\u0434\u043f\u0438\u0441\u043a\u0435 \u0437\u0430\u043f\u0440\u0435\u0449\u0435\u043d\u044b \u0432 \u0440\u0430\u043c\u043a\u0430\u0445 \u0432\u0430\u043b\u044e\u0442\u043d\u043e\u0433\u043e \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>IV. \u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0438 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432<\/strong><\/h3>\n<p>\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u043f\u043e\u044d\u0442\u0430\u043f\u043d\u043e\u0435 \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439, \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u044e\u0449\u0438\u0445 \u0432\u044b\u0445\u043e\u0434 \u043d\u0430 \u0440\u044b\u043d\u043e\u043a \u0411\u043b\u0438\u0436\u043d\u0435\u0433\u043e \u0412\u043e\u0441\u0442\u043e\u043a\u0430:<\/p>\n<pre><code class=\"language-mermaid\">\u0433\u0440\u0430\u0444\u0438\u043a TD<br>\r\n    A [\u042d\u0442\u0430\u043f I: \u043f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 \u0432 \u041a\u0443\u0432\u0435\u0439\u0442\u0435\/\u0411\u0430\u0445\u0440\u0435\u0439\u043d\u0435] --&gt; B [\u0414\u043e\u0441\u0442\u0443\u043f \u043a \u0430\u0433\u0440\u0435\u0433\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u043c \u0448\u043b\u044e\u0437\u0430\u043c, \u0442\u0430\u043a\u0438\u043c \u043a\u0430\u043a PayTabs]<br>\r\n    B --&gt; C {\u0421\u0440\u0435\u0434\u043d\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0439 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u043e\u0442\u043a\u0430\u0437\u043e\u0432 &lt;2%?}<br>\r\n    C -- \u0434\u0430 --&gt; D [\u0444\u0430\u0437\u0430 II: \u043f\u0440\u043e\u0434\u0432\u0438\u0436\u0435\u043d\u0438\u0435 \u0432 \u0421\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u0443\u044e \u0410\u0440\u0430\u0432\u0438\u044e]<br>\r\n    C --no --&gt; E [Enhanced Address Checking API]<br>\r\n<\/code><\/pre>\n<p>\u0420\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0443\u0435\u0442\u0441\u044f \u0435\u0436\u0435\u0433\u043e\u0434\u043d\u043e \u043f\u043e\u0441\u0435\u0449\u0430\u0442\u044c \u0441\u0430\u043c\u043c\u0438\u0442 GITEX Future Stars Summit, \u0447\u0442\u043e\u0431\u044b \u0443\u0437\u043d\u0430\u0442\u044c \u043e \u043f\u043e\u0441\u043b\u0435\u0434\u043d\u0438\u0445 \u0441\u043b\u0443\u0447\u0430\u044f\u0445 \u043d\u0430\u043f\u0430\u0434\u0435\u043d\u0438\u044f \u0438 \u0437\u0430\u0449\u0438\u0442\u044b. \u0421\u0443\u0434 DIFC \u0432 \u0414\u0443\u0431\u0430\u0435 \u0432\u0432\u0435\u043b \u0443\u0441\u043a\u043e\u0440\u0435\u043d\u043d\u0443\u044e \u043f\u0440\u043e\u0446\u0435\u0434\u0443\u0440\u0443 \u043d\u043e\u0442\u0430\u0440\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0437\u0430\u0432\u0435\u0440\u0435\u043d\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0434\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c\u0441\u0442\u0432, \u0447\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u0435\u0442 \u0441\u043e\u043a\u0440\u0430\u0442\u0438\u0442\u044c \u0446\u0438\u043a\u043b \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0441\u043f\u043e\u0440\u043e\u0432 \u0441 90 \u0434\u043e 21 \u0434\u043d\u044f.<\/p>\n<hr>\n<h3><strong>V. \u0413\u043b\u0443\u0431\u043e\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0440\u0438\u0441\u043a\u043e\u0432 \u0438 \u043f\u0435\u0440\u0435\u0434\u043e\u0432\u044b\u0435 \u0440\u0435\u0448\u0435\u043d\u0438\u044f<\/strong><\/h3>\n<h4><strong>1. \u0441\u043a\u0440\u044b\u0442\u044b\u0439 \u0440\u0438\u0441\u043a: \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u0430\u043d\u043e\u043c\u0430\u043b\u0438\u0438, \u0432\u044b\u0437\u0432\u0430\u043d\u043d\u044b\u0435 \u0440\u0435\u043b\u0438\u0433\u0438\u043e\u0437\u043d\u044b\u043c\u0438 \u043f\u0440\u0430\u0437\u0434\u043d\u0438\u043a\u0430\u043c\u0438<\/strong><\/h4>\n<ul>\n<li><strong>\u0431\u0435\u0437\u043d\u0430\u043a\u0430\u0437\u0430\u043d\u043d\u043e\u0441\u0442\u044c<\/strong>: \u0420\u043e\u0441\u0442 \u043d\u043e\u0447\u043d\u044b\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0432\u043e \u0432\u0440\u0435\u043c\u044f \u0420\u0430\u043c\u0430\u0434\u0430\u043d\u0430 \u043d\u0430 3 00% (\u043e\u0442\u0447\u0435\u0442 \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u041a\u0430\u0442\u0430\u0440\u0430 \u0437\u0430 2023 \u0433\u043e\u0434), \u043d\u043e \u0438 \u0440\u043e\u0441\u0442 \u0447\u0438\u0441\u043b\u0430 \u0441\u043e\u043e\u0431\u0449\u0435\u043d\u0438\u0439 \u043e \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0435 \u043d\u0430 47% \u0437\u0430 \u0442\u043e\u0442 \u0436\u0435 \u043f\u0435\u0440\u0438\u043e\u0434, \u0432 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u0438\u0437-\u0437\u0430:\n<ul>\n<li>\u041e\u043f\u0435\u0440\u0430\u0442\u0438\u0432\u043d\u0430\u044f \u0443\u0441\u0442\u0430\u043b\u043e\u0441\u0442\u044c \u043f\u0440\u0438\u0432\u043e\u0434\u0438\u0442 \u043a \u043d\u0430\u0440\u0443\u0448\u0435\u043d\u0438\u044f\u043c \u0432 \u043f\u0440\u043e\u0432\u0435\u0440\u043a\u0435 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432<\/li>\n<li>\u041e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043d\u044b\u0435 \u043f\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438 \u0430\u043a\u0446\u0438\u0438, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a \"\u043f\u0430\u043a\u0435\u0442\u044b \u0434\u043b\u044f \u0438\u0444\u0442\u0430\u0440\u0430\", \u043f\u043e\u0440\u043e\u0434\u0438\u043b\u0438 \u043f\u043e\u0434\u0441\u0442\u0430\u0432\u043d\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432<\/li>\n<\/ul>\n<\/li>\n<li><em>\u0420\u0435\u0446\u0435\u043f\u0442<\/em>::\n<pre><code class=\"language-python\"># \u0414\u043e\u0431\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u043e\u0432 \u0420\u0430\u043c\u0430\u0434\u0430\u043d\u0430 \u0432 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c \u043f\u0440\u0430\u0432\u0438\u043b \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432<br>\r\ndef ramadan_rule(transaction).<br>\r\n    \u0435\u0441\u043b\u0438 is_ramadan \u0438 transaction.hour \u043d\u0430\u0445\u043e\u0434\u044f\u0442\u0441\u044f \u0432 [20,23]: <br>\r\n        require_biometric = True # Force Face Recognition<br>\r\n        limit_amount = max(500, transaction.amount*0.7) # \u0434\u0438\u043d\u0430\u043c\u0438\u0447\u0435\u0441\u043a\u0438 \u043a\u043e\u0440\u0440\u0435\u043a\u0442\u0438\u0440\u0443\u0435\u0442 \u043b\u0438\u043c\u0438\u0442 \u0432 \u0441\u0442\u043e\u0440\u043e\u043d\u0443 \u0443\u043c\u0435\u043d\u044c\u0448\u0435\u043d\u0438\u044f<br>\r\n    return decision_matrix<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<h4><strong>2. \u041b\u043e\u0432\u0443\u0448\u043a\u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u043f\u043e\u0442\u043e\u043a\u043e\u0432<\/strong><\/h4>\n<ul>\n<li><strong>\u0434\u0435\u043b\u043e (\u043f\u0440\u0430\u0432\u043e)<\/strong>: \u0422\u0443\u0440\u0435\u0446\u043a\u0430\u044f \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 Trendyol \u043f\u0440\u0438\u0432\u0435\u043b\u0430 \u043a \u0442\u043e\u043c\u0443, \u0447\u0442\u043e \u043f\u043b\u0430\u0442\u0435\u0436\u0438 \u0441\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u0438\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u0431\u044b\u043b\u0438 \u0437\u0430\u0434\u0435\u0440\u0436\u0430\u043d\u044b \u0442\u0430\u043c\u043e\u0436\u043d\u0435\u0439 \u0438\u0437-\u0437\u0430 \u043d\u0435\u0443\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u044f \u043d\u0430\u043b\u043e\u0433\u0430 \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 15%.<\/li>\n<li><em>\u0418\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044f<\/em>: \u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0440\u0430\u0441\u0447\u0435\u0442 \u043d\u0430\u043b\u043e\u0433\u043e\u0432 \u0441 \u043f\u043e\u043c\u043e\u0449\u044c\u044e \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0440\u0435\u0448\u0435\u043d\u0438\u0439, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a \u0431\u0430\u0445\u0440\u0435\u0439\u043d\u0441\u043a\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \"Benefit Pay\", \u0432 \u043a\u043e\u0442\u043e\u0440\u0443\u044e \u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d API:<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>\u043d\u0430\u0446\u0438\u0438<\/th>\n<th>\u0423\u0434\u0435\u0440\u0436\u0430\u043d\u0438\u0435 \u041d\u0414\u0421<\/th>\n<th>\u0417\u0430\u043a\u044f\u0442 (\u0438\u0441\u043b\u0430\u043c\u0441\u043a\u0438\u0439 \u0437\u0430\u043a\u044f\u0442)<\/th>\n<th>\u0441\u0442\u0430\u0440\u0435\u043d\u0438\u0435 (\u043c\u0435\u0442\u0430\u043b\u043b\u0443\u0440\u0433\u0438\u044f)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041e\u043c\u0430\u043d<\/td>\n<td>5%<\/td>\n<td>\u041d\/\u0414<\/td>\n<td>T+1<\/td>\n<\/tr>\n<tr>\n<td>\u0418\u0440\u0430\u043d<\/td>\n<td>9% +2% \u0440\u0435\u043b\u0438\u0433\u0438\u043e\u0437\u043d\u044b\u0439 \u043d\u0430\u043b\u043e\u0433<\/td>\n<td>\u0414\u0430<\/td>\n<td>T+3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>VI. \u0421\u043e\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043a\u0430\u0440\u0442\u044b \u043f\u0440\u0438\u043c\u0435\u043d\u0435\u043d\u0438\u044f \u043d\u043e\u0432\u044b\u0445 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439<\/strong><\/h3>\n<pre><code class=\"language-mermaid\">\u043f\u0438\u0440\u043e\u0433 <br>\r\n    \u0442\u0438\u0442\u0443\u043b \u0422\u0435\u043c\u043f\u044b \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u0438\u044f \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0439 \u0431\u043e\u0440\u044c\u0431\u044b \u0441 \u043c\u043e\u0448\u0435\u043d\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e\u043c \u043d\u0430 \u0411\u043b\u0438\u0436\u043d\u0435\u043c \u0412\u043e\u0441\u0442\u043e\u043a\u0435 (2024)<br>\r\n    \"\u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438\" :38%<br>\r\n    \"\u0411\u043b\u043e\u043a\u0447\u0435\u0439\u043d-\u043a\u043b\u0438\u0440\u0438\u043d\u0433\" :22%<br>\r\n    \"AI Voice Nucleus (Arabic Dialect)\":27%<br>\r\n    \"\u0414\u0440\u0443\u0433\u043e\u0435\":13%<br>\r\n<\/code><\/pre>\n<h4>\u25b6\ufe0f \u0411\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u043f\u0440\u0430\u043a\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0442\u043e\u0447\u043a\u0438:<\/h4>\n<ul>\n<li><strong>\u0422\u0435\u0441\u0442 \u043d\u0430 \u0430\u0434\u0430\u043f\u0442\u0430\u0446\u0438\u044e \u043a \u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u044e \u0443\u0447\u0435\u043d\u0438\u043a\u043e\u0432<\/strong>: \u041d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u043f\u0442\u0438\u043c\u0438\u0437\u0430\u0446\u0438\u0438 \u0430\u043b\u0433\u043e\u0440\u0438\u0442\u043c\u043e\u0432 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u044f \u0418\u041a-\u0438\u0437\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0434\u043b\u044f \u0436\u0435\u043d\u0449\u0438\u043d, \u043d\u043e\u0441\u044f\u0449\u0438\u0445 \u043d\u0438\u043a\u0430\u0431 (\u0447\u0430\u0434\u0440\u0443) - \u0411\u0430\u043d\u043a ADIB \u041e\u0410\u042d \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b \u0441\u043a\u043e\u0440\u043e\u0441\u0442\u044c \u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u044f \u0441 72% \u2192 94% \u0437\u0430 \u0441\u0447\u0435\u0442 \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u044f \u0434\u043b\u0438\u043d\u044b \u0432\u043e\u043b\u043d\u044b \u0434\u043e 850 \u043d\u043c.<\/li>\n<\/ul>\n<h4>\u25b6\ufe0f Blockchain Application Alert:<\/h4>\n<p>\u0425\u043e\u0442\u044f \u0432 \u0414\u0443\u0431\u0430\u0435 \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u044b \u043a\u0440\u0438\u043f\u0442\u043e\u0432\u0430\u043b\u044e\u0442\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u043e\u0441\u0442\u0435\u0440\u0435\u0433\u0430\u0439\u0442\u0435\u0441\u044c:<\/p>\n<pre><code class=\"language-diff\">+ \u041e\u0431\u043c\u0435\u043d \u0444\u0438\u0430\u0442\u043d\u044b\u0445 \u0432\u0430\u043b\u044e\u0442 \u0434\u043b\u044f \u0432\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u0435\u0432 \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0439 VASP (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Binance Dubai)<br>\r\n- \u0422\u043e\u0432\u0430\u0440\u044b NFT \u0434\u043e\u043b\u0436\u043d\u044b \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043f\u043e\u0434\u0430\u0442\u044c \u0437\u0430\u044f\u0432\u043a\u0443 \u043d\u0430 \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u0435 \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u0438 DMCC (\u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u043e\u043a\u043e\u043b\u043e $15k)<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>VII. \u0421\u0440\u0430\u0432\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0442\u0430\u0431\u043b\u0438\u0446\u0430 \u043c\u0435\u0445\u0430\u043d\u0438\u0437\u043c\u043e\u0432 \u0443\u0440\u0435\u0433\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u043f\u043e\u0440\u043e\u0432<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u043a\u0430\u0441\u0441\u043e\u0432\u044b\u0439 \u0441\u043f\u043e\u0440<\/th>\n<th>\u041e\u0442\u043a\u0430\u0437 \u043e\u0442 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/th>\n<th>\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u0436\u0430\u043b\u043e\u0431\u044b<\/th>\n<th><\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u0445\u043e\u0440\u043e\u0448\u0435\u0435 \u043c\u0435\u0441\u0442\u043e<\/td>\n<td><img decoding=\"async\" src=\"https:\/\/example.com\/saudi-logo.png\" width=\"20\">\u041f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u043d\u0430 \u043c\u0435\u0441\u0442\u0435 \u0441\u043e \u0441\u0442\u043e\u0440\u043e\u043d\u044b \u041c\u0438\u043d\u0438\u0441\u0442\u0435\u0440\u0441\u0442\u0432\u0430 \u0442\u043e\u0440\u0433\u043e\u0432\u043b\u0438 \u0421\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u043e\u0439 \u0410\u0440\u0430\u0432\u0438\u0438<\/td>\n<td><img decoding=\"async\" src=\"https:\/\/example.com\/uae-logo.png\" width=\"20\">\u0410\u0440\u0431\u0438\u0442\u0440\u0430\u0436\u043d\u044b\u0439 \u0442\u0440\u0438\u0431\u0443\u043d\u0430\u043b DIFC \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u043e\u043d\u043b\u0430\u0439\u043d<\/td>\n<td>\u041e\u0431\u044a\u0435\u0434\u0438\u043d\u0435\u043d\u043d\u0430\u044f \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430 \u043f\u043e \u0437\u0430\u0449\u0438\u0442\u0435 \u043f\u0440\u0430\u0432 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u0441\u0442\u0440\u0430\u043d \u041f\u0435\u0440\u0441\u0438\u0434\u0441\u043a\u043e\u0433\u043e \u0437\u0430\u043b\u0438\u0432\u0430<\/td>\n<\/tr>\n<tr>\n<td>\u0421\u0440\u0435\u0434\u043d\u0435\u0435 \u0432\u0440\u0435\u043c\u044f, \u0437\u0430\u0442\u0440\u0430\u0447\u0435\u043d\u043d\u043e\u0435\u250245 \u0434\u043d\u0435\u0439\u250212 \u0434\u043d\u0435\u0439\u250290+ \u0434\u043d\u0435\u0439\u2502<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u041a\u043e\u044d\u0444\u0444\u0438\u0446\u0438\u0435\u043d\u0442 \u0443\u0441\u043f\u0435\u0448\u043d\u043e\u0441\u0442\u0438 \u250268% \u250289% \u250231% \u2502<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>VIII. \u0421\u043f\u0438\u0441\u043e\u043a \u0437\u0430\u043a\u043b\u044e\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0440\u0435\u043a\u043e\u043c\u0435\u043d\u0434\u0430\u0446\u0438\u0439<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>[\u0420\u044b\u043d\u043e\u043a \u041a\u0440\u0430\u0441\u043d\u043e\u0433\u043e \u043c\u043e\u0440\u044f] \u041f\u043e\u0440\u0442\u0444\u0435\u043b\u044c \u044d\u0441\u0441\u0435\u043d\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0440\u0430\u0441\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u0438\u044f<\/strong>:<\/p>\n<pre><code class=\"language-bash\">\u041f\u0440\u0438\u043c\u0435\u0440 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0441\u0442\u0435\u043a\u0430 # (\u043c\u0438\u043d\u0438\u043c\u0430\u043b\u044c\u043d\u044b\u0435 \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f \u043a \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u044e \u0442\u0440\u0435\u0431\u043e\u0432\u0430\u043d\u0438\u044f\u043c \u0421\u0430\u0443\u0434\u043e\u0432\u0441\u043a\u043e\u0439 \u0410\u0440\u0430\u0432\u0438\u0438)<br>\r\nSSL-\u0441\u0435\u0440\u0442\u0438\u0444\u0438\u043a\u0430\u0442 (\u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 SAMA) + \u0443\u0441\u043b\u0443\u0433\u0430 \u0442\u043e\u043a\u0435\u043d\u0438\u0437\u0430\u0446\u0438\u0438 + \u0438\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 SCA Exemption \u0434\u043b\u044f \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0438 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0422\u0430\u043c\u0430\u0440\u044b <br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\u0421\u043f\u0435\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0435 \u043c\u0435\u0440\u044b [\u0434\u043b\u044f \u043e\u0441\u043e\u0431\u043e \u0447\u0443\u0432\u0441\u0442\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u043e\u0442\u0440\u0430\u0441\u043b\u0435\u0439]<\/strong>:<br \/>\n-\u041e\u043d\u043b\u0430\u0439\u043d-\u0433\u0435\u043c\u0431\u043b\u0438\u043d\u0433\/\u043a\u043e\u043d\u0442\u0435\u043d\u0442 \u0434\u043b\u044f \u0432\u0437\u0440\u043e\u0441\u043b\u044b\u0445:\u0418\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u0438\u043f\u0440\u0441\u043a\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0438\u0442\u043d\u044b\u0445 \u0440\u0430\u0441\u0447\u0435\u0442\u043e\u0432 EMI (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Transact365) \u0434\u043b\u044f \u043e\u0431\u0445\u043e\u0434\u0430 \u0441\u0442\u0430\u0442\u044c\u0438 26 \u0417\u0430\u043a\u043e\u043d\u0430 \u041e\u0410\u042d \u043e \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u043f\u0440\u0435\u0441\u0442\u0443\u043f\u043b\u0435\u043d\u0438\u044f\u0445.<\/p>\n<\/li>\n<li>\n<p><strong>[\u042d\u043a\u0441\u0442\u0440\u0435\u043d\u043d\u0430\u044f \u043f\u043e\u0434\u0430\u0447\u0430].<\/strong>:<br \/>\n\u0417\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u0443\u0439\u0442\u0435 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0439 \u0441\u0447\u0435\u0442 Dubai Smart Police \u0443\u0436\u0435 \u0441\u0435\u0433\u043e\u0434\u043d\u044f, \u0447\u0442\u043e\u0431\u044b \u0437\u0430\u043c\u043e\u0440\u043e\u0437\u0438\u0442\u044c \u0432\u0441\u0435 \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 \u043d\u0438\u043c \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 \u0432 \u0441\u043b\u0443\u0447\u0430\u0435 \u043a\u0440\u0443\u043f\u043d\u043e\u0439 \u043a\u0440\u0430\u0436\u0438 \u0441 \u0432\u0440\u0435\u043c\u0435\u043d\u0435\u043c \u0440\u0435\u0430\u0433\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f &lt;15 \u043c\u0438\u043d\u0443\u0442.<\/p>\n<\/li>\n<\/ol>\n<p>\u0427\u0442\u043e\u0431\u044b \u043f\u043e\u043b\u0443\u0447\u0438\u0442\u044c \u0448\u0430\u0431\u043b\u043e\u043d\u044b \u043e\u0442\u0447\u0435\u0442\u043e\u0432 \u043e \u0442\u0435\u0441\u0442\u0430\u0445 \u043d\u0430 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u044d\u043a\u0432\u0430\u0439\u0435\u0440\u043e\u0432 \u0432 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u043e\u0439 \u0441\u0442\u0440\u0430\u043d\u0435 \u0438\u043b\u0438 \u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0441\u0442\u0432\u0430 \u043f\u043e \u0434\u043e\u0441\u0442\u0443\u043f\u0443 \u043a \"\u043f\u0435\u0441\u043e\u0447\u043d\u0438\u0446\u0435\", \u043e\u0431\u0440\u0430\u0442\u0438\u0442\u0435\u0441\u044c \u0432 \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044e, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 Redsys Middle East, \u0434\u043b\u044f \u043f\u0440\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0438\u043d\u0434\u0438\u0432\u0438\u0434\u0443\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0430\u0443\u0434\u0438\u0442\u0430.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0411\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u044c \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u043d\u0430 \u0411\u043b\u0438\u0436\u043d\u0435\u043c \u0412\u043e\u0441\u0442\u043e\u043a\u0435 \u0437\u0430\u0432\u0438\u0441\u0438\u0442 \u043e\u0442 \u0441\u0442\u0440\u0430\u043d\u044b, \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u044b \u0438 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e-\u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0439 \u0431\u0430\u0437\u044b...<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[35],"tags":[],"class_list":["post-3102","post","type-post","status-publish","format-standard","hentry","category-35"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u4e2d\u4e1c\u652f\u4ed8\u5b89\u5168\u5417\uff1f\u4e00\u6587\u89e3\u6790\u98ce\u9669\u4e0e\u89e3\u51b3\u65b9\u6848 - DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.deekpay.com\/ru\/2025\/05\/31\/\u4e2d\u4e1c\u652f\u4ed8\u5b89\u5168\u5417\uff1f\u4e00\u6587\u89e3\u6790\u98ce\u9669\u4e0e\u89e3\u51b3\u65b9\u6848\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u4e2d\u4e1c\u652f\u4ed8\u5b89\u5168\u5417\uff1f\u4e00\u6587\u89e3\u6790\u98ce\u9669\u4e0e\u89e3\u51b3\u65b9\u6848\" \/>\n<meta property=\"og:description\" content=\"\u4e2d\u4e1c\u5730\u533a\u7684\u652f\u4ed8\u5b89\u5168\u6027\u56e0\u56fd\u5bb6\u3001\u6280\u672f\u57fa\u7840\u8bbe\u65bd\u548c\u76d1\u7ba1\u73af\u5883\u7684\u4e0d\u540c\u800c\u5b58&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ru\/2025\/05\/31\/\u4e2d\u4e1c\u652f\u4ed8\u5b89\u5168\u5417\uff1f\u4e00\u6587\u89e3\u6790\u98ce\u9669\u4e0e\u89e3\u51b3\u65b9\u6848\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-05-31T13:42:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/example.com\/saudi-logo.png\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u043e \u0430\u0432\u0442\u043e\u0440\u043e\u043c\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u041f\u0440\u0438\u043c\u0435\u0440\u043d\u043e\u0435 \u0432\u0440\u0435\u043c\u044f \u0434\u043b\u044f \u0447\u0442\u0435\u043d\u0438\u044f\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u043c\u0438\u043d\u0443\u0442\u0430\" \/>\n<script type=\"application\/ld+json\" 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