{"id":3204,"date":"2025-06-05T15:40:12","date_gmt":"2025-06-05T07:40:12","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3204"},"modified":"2025-06-05T15:40:12","modified_gmt":"2025-06-05T07:40:12","slug":"%e5%8d%b0%e5%b0%bc%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98app%e6%8e%92%e8%a1%8c%e6%a6%9c%ef%bc%882025%ef%bc%89","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/06\/05\/%e5%8d%b0%e5%b0%bc%e6%9c%80%e5%b8%b8%e7%94%a8%e7%9a%84%e6%94%af%e4%bb%98app%e6%8e%92%e8%a1%8c%e6%a6%9c%ef%bc%882025%ef%bc%89\/","title":{"rendered":"\u0421\u0430\u043c\u044b\u0435 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u043c\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 (2025)"},"content":{"rendered":"<p>\u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u0441\u043f\u0438\u0441\u043e\u043a \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u043c\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 (\u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0441\u043e\u0432\u043e\u043a\u0443\u043f\u043d\u043e\u0439 \u043e\u0446\u0435\u043d\u043a\u0438 \u043e\u0431\u044a\u0435\u043c\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439, \u0447\u0430\u0441\u0442\u043e\u0442\u044b \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0438 \u043e\u0445\u0432\u0430\u0442\u0430 \u0440\u044b\u043d\u043a\u0430):<\/p>\n<hr>\n<h3><strong>1. GoPay<\/strong><\/h3>\n<ul>\n<li><strong>\u0430\u0444\u0444\u0438\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f<\/strong>: Gojek (\u0421\u0443\u043f\u0435\u0440\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u0434\u043b\u044f \u042e\u0433\u043e-\u0412\u043e\u0441\u0442\u043e\u0447\u043d\u043e\u0439 \u0410\u0437\u0438\u0438)<\/li>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u0413\u043b\u0443\u0431\u043e\u043a\u0430\u044f \u043f\u0440\u0438\u0432\u044f\u0437\u043a\u0430 \u043a \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0435 Gojek (\u0442\u0430\u043a\u0441\u0438, \u0435\u0434\u0430 \u043d\u0430 \u0432\u044b\u043d\u043e\u0441, \u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0438 \u0442. \u0434.), \u0448\u0438\u0440\u043e\u043a\u0438\u0439 \u043e\u0445\u0432\u0430\u0442 \u043e\u0444\u043b\u0430\u0439\u043d-\u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0438 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u043e\u0432 \u043f\u043e QR-\u043a\u043e\u0434\u0443.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>: \u0412\u044b\u0441\u043e\u043a\u043e\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u043d\u043e\u0435 \u0441\u0440\u0435\u0434\u0438 \u043c\u043e\u043b\u043e\u0434\u0435\u0436\u0438 \u0438 \u0433\u043e\u0440\u043e\u0434\u0441\u043a\u0438\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<\/ul>\n<h3><strong>2. OVO<\/strong><\/h3>\n<ul>\n<li><strong>\u0430\u0444\u0444\u0438\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f<\/strong>: \u042d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0430 Grab-Tokopedia (\u0441 Grab)<\/li>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u0418\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 \u0441\u0438\u0441\u0442\u0435\u043c\u0443 \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439 Grab \u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0443\u044e \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044e Tokopedia, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u0435\u0442 \u043e\u043f\u043b\u0430\u0442\u0443 \u0441\u0447\u0435\u0442\u043e\u0432, \u043e\u0444\u043b\u0430\u0439\u043d-\u0441\u043a\u0430\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0438 \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0444\u0443\u043d\u043a\u0446\u0438\u0438.<\/li>\n<li><strong>\u0440\u0435\u0436\u0443\u0449\u0430\u044f \u043a\u0440\u043e\u043c\u043a\u0430<\/strong>: \u041c\u043d\u043e\u0436\u0435\u0441\u0442\u0432\u043e \u0440\u0435\u043a\u043b\u0430\u043c\u043d\u044b\u0445 \u0430\u043a\u0446\u0438\u0439 \u0434\u043b\u044f \u0441\u0442\u0438\u043c\u0443\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0440\u043e\u0441\u0442\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439.<\/li>\n<\/ul>\n<h3><strong>3. \u0414\u0410\u041d\u0410<\/strong><\/h3>\n<ul>\n<li><strong>\u0430\u0444\u0444\u0438\u043b\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f<\/strong>: \u0413\u0440\u0443\u043f\u043f\u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0439 \"\u0410\u043d\u0442\" \u0438 \u0441\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u043e\u0435 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0435 \"\u042d\u043c\u0442\u0435\u043a<\/li>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>* :: \u0418\u043d\u0442\u0435\u0440\u0444\u0435\u0439\u0441 \u0438 \u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u044c, \u0430\u043d\u0430\u043b\u043e\u0433\u0438\u0447\u043d\u044b\u0435 Alipay, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0435 P2P-\u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b, \u043e\u043f\u043b\u0430\u0442\u0443 \u0441\u0447\u0435\u0442\u043e\u0432, \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u043e\u043a\u0443\u043f\u043a\u0438 \u0438 \u043c\u043d\u043e\u0433\u043e\u0435 \u0434\u0440\u0443\u0433\u043e\u0435. \u0412\u044b\u0441\u043e\u043a\u0430\u044f \u0441\u0442\u0435\u043f\u0435\u043d\u044c \u043b\u043e\u043a\u0430\u043b\u0438\u0437\u0430\u0446\u0438\u0438.<\/li>\n<\/ul>\n<h3>4. ShopeePay (SPay)<\/h3>\n<ul>\n<li>\u041f\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 Shopee, \u0434\u043e\u0447\u0435\u0440\u043d\u044f\u044f \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f Sea Group.<\/li>\n<li>PointStrong \u043e\u043f\u0438\u0440\u0430\u0435\u0442\u0441\u044f \u043d\u0430 \u0431\u043e\u043b\u044c\u0448\u0443\u044e \u0431\u0430\u0437\u0443 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 Shopee, \u043f\u0440\u0435\u0434\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044f \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u044f cashback, \u0447\u0442\u043e\u0431\u044b \u0432\u043e\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u044c\u0441\u044f \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430\u043c\u0438 \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439.<\/li>\n<\/ul>\n<h4>5. LinkAja<\/h4>\n<ul>\n<li>\u0421\u043e\u0432\u043c\u0435\u0441\u0442\u043d\u0430\u044f \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0430 \u0440\u044f\u0434\u0430 \u0438\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0439\u0441\u043a\u0438\u0445 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 (BUMN)<\/li>\n<li>\u0424\u043e\u043a\u0443\u0441 \u043d\u0430 \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u043c \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u0435 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, Jakarta LRT) \u0438 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u0445 \u043e\u043f\u043b\u0430\u0442\u044b, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0445 \u0441 \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u043e\u043c.<\/li>\n<\/ul>\n<p>6. \u0411\u0430\u043d\u043a \u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0439 \u0410\u0437\u0438\u0438 (\u0411\u0426\u0410) - \u043c\u043e\u0431\u0438\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0433<br \/>\n\u0425\u043e\u0442\u044f \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u0432 \u043f\u0435\u0440\u0432\u0443\u044e \u043e\u0447\u0435\u0440\u0435\u0434\u044c \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u043c, \u0435\u0433\u043e \u0444\u0443\u043d\u043a\u0446\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0433\u043e \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430 (m-BCA) \u043e\u0447\u0435\u043d\u044c \u0430\u043a\u0442\u0438\u0432\u043d\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u0432 \u0441\u0443\u043f\u0435\u0440\u043c\u0430\u0440\u043a\u0435\u0442\u0430\u0445 \u0438 \u0440\u0435\u0441\u0442\u043e\u0440\u0430\u043d\u0430\u0445.<\/p>\n<hr>\n<p>\u0414\u0440\u0443\u0433\u0438\u0435 \u043f\u0440\u0438\u043c\u0435\u0447\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0435 \u043c\u043e\u043c\u0435\u043d\u0442\u044b.<br \/>\n&#8211;<strong>QRIS<\/strong>:: \u0415\u0434\u0438\u043d\u044b\u0439 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442 QR-\u043a\u043e\u0434\u043e\u0432, \u0432\u043d\u0435\u0434\u0440\u0435\u043d\u043d\u044b\u0439 \u0411\u0430\u043d\u043a\u043e\u043c \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438, \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u0438\u043b \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b \u0434\u043b\u044f \u043a\u0440\u043e\u0441\u0441-\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0438\u0445 \u0441\u043a\u0430\u043d\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0438\u0445 \u0434\u043b\u044f \u043e\u043f\u043b\u0430\u0442\u044b<br \/>\n&#8211;<strong>\u0422\u0440\u0430\u0434\u0438\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0435 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u044b<\/strong>:: \u0418\u043d\u0442\u0435\u0440\u043d\u0435\u0442-\u0431\u0430\u043d\u043a\u0438\u043d\u0433, \u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440 Mandiri\/BRI, \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u0448\u0438\u0440\u043e\u043a\u043e \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f, \u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e \u0434\u043b\u044f \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439.<\/p>\n<p>Trend Watch.<br \/>\n1.\u0413\u043e\u043f\u0430\u0439\u043e\u0432\u043e\u0434\u0430\u043d\u0430 \u0442\u0440\u0435\u0445 \u0441\u0438\u043b\u044c\u043d\u044b\u0445 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u0430\u0445 \u0437\u0430\u043a\u0440\u044b\u0442\u044c \u0434\u043e\u043b\u044e \u0440\u044b\u043d\u043a\u0430<br \/>\n2. \u0441\u0435\u043b\u044c\u0441\u043a\u0438\u0435 \u0440\u0430\u0439\u043e\u043d\u044b \u0432\u0441\u0435 \u0435\u0449\u0435 \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0442 \u0441 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438, \u043d\u043e \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432 \u0443\u0441\u043a\u043e\u0440\u044f\u0435\u0442\u0441\u044f<br \/>\n3. \"\u041c\u043e\u0434\u0435\u043b\u044c Super App\" (\u043e\u0431\u044a\u0435\u0434\u0438\u043d\u044f\u044e\u0449\u0430\u044f \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u044f + \u043e\u043f\u043b\u0430\u0442\u0443 + \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0443\u044e \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044e) \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u0443\u0441\u043f\u0435\u0448\u043d\u043e\u0439<\/p>\n<p>\u0418\u0441\u0442\u043e\u0447\u043d\u0438\u043a:SimilarWeb,iPriceGroup,Indonesia FinTech Report 2023<\/p>\n<p>\u0427\u0442\u043e \u0436, \u0434\u0430\u0432\u0430\u0439\u0442\u0435 \u043f\u0435\u0440\u0435\u0439\u0434\u0435\u043c \u043a \u0440\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0435\u043d\u0438\u044e \u0434\u0440\u0443\u0433\u0438\u0445 \u043a\u043b\u044e\u0447\u0435\u0432\u044b\u0445 \u0434\u0435\u0442\u0430\u043b\u0435\u0439 \u0438 \u0431\u0443\u0434\u0443\u0449\u0438\u0445 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0439 \u043d\u0430 \u0440\u044b\u043d\u043a\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438:<\/p>\n<hr>\n<h3><strong>7. \u0440\u043e\u0441\u0442 \u0431\u0430\u043d\u043a\u043e\u0432\u0441\u043a\u0438\u0445 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432<\/strong><\/h3>\n<ul>\n<li><strong>\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0439 \u043a\u043e\u0448\u0435\u043b\u0435\u043a Mandiri<\/strong>(\u0437\u0430\u043f\u0443\u0449\u0435\u043d \u0431\u0430\u043d\u043a\u043e\u043c Mandiri) \u0438 <strong>BRImo<\/strong>(BRI Bank) \u0438\u043c\u0435\u0435\u0442 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e \u0432 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u044f\u0445 \u0432\u044b\u043f\u043b\u0430\u0442\u044b \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0439 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0432\u044b\u043f\u043b\u0430\u0442) \u0438 \u043f\u0435\u0440\u0435\u0432\u043e\u0434\u0430 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u0437\u0430\u0440\u0430\u0431\u043e\u0442\u043d\u043e\u0439 \u043f\u043b\u0430\u0442\u044b \u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0431\u043e\u043b\u044c\u0448\u043e\u0439 \u043a\u043b\u0438\u0435\u043d\u0442\u0441\u043a\u043e\u0439 \u0431\u0430\u0437\u0435 \u0441\u0432\u043e\u0435\u0439 \u043c\u0430\u0442\u0435\u0440\u0438\u043d\u0441\u043a\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438.<\/li>\n<li><strong>\u043e\u0441\u043e\u0431\u0435\u043d\u043d\u043e\u0441\u0442\u0438<\/strong>: \u0411\u043e\u043b\u044c\u0448\u0435 \u0434\u043e\u0432\u0435\u0440\u044f\u044e\u0442 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u044f\u043c \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u0438 \u0441\u0442\u0430\u0440\u0448\u0435\u0433\u043e \u0432\u043e\u0437\u0440\u0430\u0441\u0442\u0430 \u0434\u043b\u044f \u043a\u0440\u0443\u043f\u043d\u044b\u0445 \u0438 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0445 \u0441\u0434\u0435\u043b\u043e\u043a.<\/li>\n<\/ul>\n<h3><strong>8. \u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u044b \u0432 \u0441\u0444\u0435\u0440\u0435 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439<\/strong><\/h3>\n<ul>\n<li><strong>Alipay+<\/strong> \u043e\u0442\u0432\u0435\u0442\u0438\u0442\u044c \u043f\u0435\u043d\u0438\u0435\u043c <strong>WeChat Pay<\/strong>: \u0412 \u043e\u0441\u043d\u043e\u0432\u043d\u043e\u043c \u043e\u043d \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u0435\u0442 \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u0438\u0445 \u0442\u0443\u0440\u0438\u0441\u0442\u043e\u0432 \u0438 \u0442\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u0443\u044e \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0443\u044e \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044e, \u043e\u0445\u0432\u0430\u0442\u044b\u0432\u0430\u044f \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432 \u0432 \u0442\u0430\u043a\u0438\u0445 \u0442\u0443\u0440\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0442\u043e\u0447\u043a\u0430\u0445, \u043a\u0430\u043a \u0411\u0430\u043b\u0438.<\/li>\n<li><strong>Doku<\/strong>: \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0439 \u0448\u043b\u044e\u0437 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438, \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u0438\u0432\u0430\u044e\u0449\u0438\u0439 \u043c\u0435\u0436\u0434\u0443\u043d\u0430\u0440\u043e\u0434\u043d\u044b\u0435 \u0440\u0430\u0441\u0447\u0435\u0442\u044b \u043d\u0430 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430\u0445 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438.<\/li>\n<\/ul>\n<hr>\n<h2>\ud83d\udd0d <strong>\u0413\u043b\u0443\u0431\u043e\u043a\u0438\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u0440\u044b\u043d\u043a\u0430<\/strong><\/h2>\n<h3><strong>(1) \u0420\u0430\u0437\u043b\u0438\u0447\u0438\u044f \u0432 \u043f\u043e\u0432\u0435\u0434\u0435\u043d\u0438\u0438 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u0442\u043e\u043b\u043f\u044b<\/th>\n<th>\u041f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u043f\u043e\u0441\u043e\u0431 \u043e\u043f\u043b\u0430\u0442\u044b<\/th>\n<th>\u043e\u0431\u043e\u0441\u043d\u043e\u0432\u0430\u043d\u0438\u0435<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u041f\u043e\u043a\u043e\u043b\u0435\u043d\u0438\u0435 Z<\/td>\n<td>GoPay\/ShopeePay<\/td>\n<td>\u0427\u0430\u0441\u0442\u044b\u0435 \u043c\u0435\u043b\u043a\u0438\u0435 \u043f\u043e\u043a\u0443\u043f\u043a\u0438, \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435 \u0441\u0447\u0435\u0442\u0430 \u0432 \u0438\u0433\u0440\u0430\u0445<\/td>\n<\/tr>\n<tr>\n<td>\u0412\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u044b \u043c\u0430\u043b\u044b\u0445 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439<\/td>\n<td>\u041e\u0412\u041e\/\u0414\u0410\u041d\u0410<\/td>\n<td>\u042d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 Tokopedia\/Lazada<\/td>\n<\/tr>\n<tr>\n<td>\u0441\u0438\u043d\u0438\u0439 \u0432\u043e\u0440\u043e\u0442\u043d\u0438\u0447\u043e\u043a<\/td>\n<td>LinkAja\/Cash<\/td>\n<td>\u0421\u0446\u0435\u043d\u0430\u0440\u0438\u0439 \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u043e\u0431\u0449\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0433\u043e \u0442\u0440\u0430\u043d\u0441\u043f\u043e\u0440\u0442\u0430<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>(2) \u0422\u0440\u0430\u043d\u0441\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043d\u0430\u043b\u043e\u0436\u0435\u043d\u043d\u044b\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u043e\u043c (COD)<\/strong><\/h3>\n<p>\u041d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0441\u0442\u0440\u0435\u043c\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0440\u043e\u0441\u0442 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u0445 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u043e\u0432, 351 TP3T* \u0441\u0434\u0435\u043b\u043e\u043a \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u043f\u043e-\u043f\u0440\u0435\u0436\u043d\u0435\u043c\u0443 \u043e\u043f\u043b\u0430\u0447\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438. \u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u0438 \u043d\u0430 \u0440\u0430\u0437\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u0430\u0445:<\/p>\n<ul>\n<li>ShopeePay \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u0442 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u043d\u0430 \u043e\u043d\u043b\u0430\u0439\u043d-\u043f\u0440\u0435\u0434\u043e\u043f\u043b\u0430\u0442\u0443 \u0447\u0435\u0440\u0435\u0437 \"\u0441\u043a\u0438\u0434\u043a\u0438 \u043d\u0430 \u0434\u043e\u0441\u0442\u0430\u0432\u043a\u0443\".<\/li>\n<li>Gojek \u043f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0435\u0442 \u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044f\u043c \u0441\u043d\u044f\u0442\u044c \u0434\u0435\u043d\u044c\u0433\u0438 \u0441 \u0431\u0430\u043b\u0430\u043d\u0441\u0430 GoPay, \u0447\u0442\u043e\u0431\u044b \u0440\u0435\u0448\u0438\u0442\u044c \u043f\u0440\u043e\u0431\u043b\u0435\u043c\u044b \u0441 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u043c\u0438.<\/li>\n<\/ul>\n<p>*(\u0418\u0441\u0442\u043e\u0447\u043d\u0438\u043a: Katadata Insight Centre, 2023)<\/p>\n<hr>\n<h2>\ud83d\ude80 <strong>\u0422\u0440\u0438 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0438 \u0434\u043b\u044f \u0431\u0443\u0434\u0443\u0449\u0435\u0433\u043e<\/strong><\/h2>\n<ol>\n<li>\n<p><strong><a href=\"\">\u0411\u0418-\u0424\u0410\u0421\u0422<\/a>\u0423\u0441\u043a\u043e\u0440\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u044f<\/strong><br \/>\n\u041a\u043b\u0438\u0440\u0438\u043d\u0433\u043e\u0432\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 \u0411\u0430\u043d\u043a\u0430 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438, \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0449\u0430\u044f \u0432 \u0440\u0435\u0436\u0438\u043c\u0435 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0432\u0440\u0435\u043c\u0435\u043d\u0438, \u043e\u0431\u043b\u0435\u0433\u0447\u0438\u0442 \u0432\u0442\u043e\u0440\u043e\u0439 \u043f\u0435\u0440\u0435\u0432\u043e\u0434 \u043c\u0435\u0436\u0434\u0443 \u0431\u0430\u043d\u043a\u0430\u043c\u0438 \u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u043c\u0438 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u043c\u0438, \u0447\u0442\u043e \u043f\u043e\u0437\u0432\u043e\u043b\u0438\u0442 \u043f\u0440\u0435\u043e\u0434\u043e\u043b\u0435\u0442\u044c \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u044d\u043a\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0435 \u0431\u0430\u0440\u044c\u0435\u0440\u044b.<\/p>\n<\/li>\n<li>\n<p><strong><a href=\"\">\u041a\u0443\u043f\u0438\u0442\u044c \u0441\u0435\u0439\u0447\u0430\u0441, \u0437\u0430\u043f\u043b\u0430\u0442\u0438\u0442\u044c \u043f\u043e\u0442\u043e\u043c<\/a>\u0432\u0437\u0440\u044b\u0432\u043d\u043e\u0439 \u0440\u043e\u0441\u0442<\/strong>*<br \/>\n\u041f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435 \u043c\u0435\u0441\u0442\u043d\u044b\u0445 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c BNPL, \u0442\u0430\u043a\u0438\u0445 \u043a\u0430\u043a Akulaku (\u0438\u043d\u0442\u0435\u0433\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 DANA) \u0438 Kredivo, \u0432 \u043a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u044e 3C \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u043b\u043e\u0441\u044c \u043d\u0430 200% \u0432 \u0433\u043e\u0434.<\/p>\n<\/li>\n<li>\n<p><strong><a href=\"\">\u041f\u0438\u043b\u043e\u0442\u043d\u044b\u0439 \u043f\u0440\u043e\u0435\u043a\u0442 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0432\u0430\u043b\u044e\u0442\u044b<\/a>\u043e\u0441\u0442\u043e\u0440\u043e\u0436\u043d\u044b\u0439 \u043f\u0440\u043e\u0433\u0440\u0435\u0441\u0441<\/strong>*<br \/>\n\u0412 2024 \u0433\u043e\u0434\u0443 \u043c\u043e\u0436\u0435\u0442 \u0431\u044b\u0442\u044c \u0440\u0435\u0430\u043b\u0438\u0437\u043e\u0432\u0430\u043d \u044d\u043a\u0441\u043f\u0435\u0440\u0438\u043c\u0435\u043d\u0442\u0430\u043b\u044c\u043d\u044b\u0439 \u0441\u0446\u0435\u043d\u0430\u0440\u0438\u0439 \u0441\u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043e\u0432\u0430\u043d\u0438\u044f \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0432\u0430\u043b\u044e\u0442 \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 (CBDC) \u0438 \u0447\u0430\u0441\u0442\u043d\u044b\u0445 \u0441\u0442\u0435\u0439\u0431\u043b\u043a\u043e\u0438\u043d\u043e\u0432.<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h2>\ud83d\udca1 \u0421\u043e\u0432\u0435\u0442\u044b \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0430\u043c\/\u0432\u043d\u0435\u0448\u043d\u0435\u0442\u043e\u0440\u0433\u043e\u0432\u044b\u043c \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f\u043c<\/h2>\n<p>1\ufe0f\u20e3 <em>\u043c\u043d\u043e\u0433\u043e\u043a\u0430\u043d\u0430\u043b\u044c\u043d\u0430\u044f \u0438\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f<\/em>: \u0414\u043e\u043b\u0436\u0435\u043d \u0438\u043c\u0435\u0442\u044c \u0434\u043e\u0441\u0442\u0443\u043f \u043a\u0430\u043a \u043a QRIS, \u0442\u0430\u043a \u0438 \u043a\u0430\u043a \u043c\u0438\u043d\u0438\u043c\u0443\u043c \u043a \u0434\u0432\u0443\u043c \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u043c \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u043c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u043c (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, GoPay + OVO).<br \/>\n2\ufe0f\u20e3 <em>\u0421\u0435\u043b\u044c\u0441\u043a\u0430\u044f \u0441\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f<\/em>: \u0420\u0430\u0441\u0441\u043c\u043e\u0442\u0440\u0438\u0442\u0435 \u0432\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u044c \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u0430 \u0441 \u043c\u0430\u0433\u0430\u0437\u0438\u043d\u0430\u043c\u0438 \"\u0418\u043d\u0434\u043e\u043c\u0430\u0440\u0435\u0442\"\/\"\u0410\u043b\u044c\u0444\u0430\u043c\u0430\u0440\u0442\" \u0434\u043b\u044f \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430 \u043f\u0440\u0438 \u043f\u043e\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0438 \u0441\u0447\u0435\u0442\u0430, \u0447\u0442\u043e\u0431\u044b \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u044c \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u043d\u0430\u043b\u0438\u0447\u043d\u044b\u0445 \u0434\u0435\u043d\u0435\u0433.<\/p>\n<p>\u041d\u0443\u0436\u043d\u044b \u0431\u043e\u043b\u0435\u0435 \u043a\u043e\u043d\u043a\u0440\u0435\u0442\u043d\u044b\u0435 \u0434\u0430\u043d\u043d\u044b\u0435 \u043f\u043e \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0439 \u043e\u0431\u043b\u0430\u0441\u0442\u0438? \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0435 \u043f\u0440\u0435\u0434\u043f\u043e\u0447\u0442\u0435\u043d\u0438\u044f \u0438\u043b\u0438 \u0434\u0435\u0442\u0430\u043b\u0438 \u043d\u043e\u0440\u043c\u0430\u0442\u0438\u0432\u043d\u043e\u0439 \u043f\u043e\u043b\u0438\u0442\u0438\u043a\u0438 \u0432 \u043e\u043f\u0440\u0435\u0434\u0435\u043b\u0435\u043d\u043d\u043e\u0439 \u043e\u0442\u0440\u0430\u0441\u043b\u0438?<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0412\u043e\u0442 \u0441\u043f\u0438\u0441\u043e\u043a \u0441\u0430\u043c\u044b\u0445 \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u0435\u043c\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u044b\u0445 \u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0439 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 (\u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u043e\u0431\u044a\u0435\u043c\u0430 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439, \u0447\u0430\u0441\u0442\u043e\u0442\u044b \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u0438 \u0440\u044b\u043d\u043a\u0430...<\/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":[39],"tags":[],"class_list":["post-3204","post","type-post","status-publish","format-standard","hentry","category-39"],"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>\u5370\u5c3c\u6700\u5e38\u7528\u7684\u652f\u4ed8App\u6392\u884c\u699c\uff082025\uff09 - 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\/06\/05\/\u5370\u5c3c\u6700\u5e38\u7528\u7684\u652f\u4ed8app\u6392\u884c\u699c\uff082025\uff09\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u6700\u5e38\u7528\u7684\u652f\u4ed8App\u6392\u884c\u699c\uff082025\uff09\" \/>\n<meta property=\"og:description\" content=\"\u4ee5\u4e0b\u662f\u5370\u5c3c\u6700\u5e38\u7528\u7684\u652f\u4ed8\u5e94\u7528\u6392\u884c\u699c\uff08\u57fa\u4e8e\u7528\u6237\u91cf\u3001\u4ea4\u6613\u9891\u7387\u548c\u5e02\u573a&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ru\/2025\/06\/05\/\u5370\u5c3c\u6700\u5e38\u7528\u7684\u652f\u4ed8app\u6392\u884c\u699c\uff082025\uff09\/\" \/>\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=\"2025-06-05T07:40:12+00:00\" \/>\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<script type=\"application\/ld+json\" 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