{"id":3372,"date":"2025-07-01T15:26:57","date_gmt":"2025-07-01T07:26:57","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3372"},"modified":"2025-07-01T15:26:57","modified_gmt":"2025-07-01T07:26:57","slug":"%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e7%ab%9e%e4%ba%89%e6%a0%bc%e5%b1%80%ef%bc%9aovo-vs-gopay-vs-dana","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/ru\/2025\/07\/01\/%e5%8d%b0%e5%b0%bc%e6%94%af%e4%bb%98%e8%a1%8c%e4%b8%9a%e7%ab%9e%e4%ba%89%e6%a0%bc%e5%b1%80%ef%bc%9aovo-%d0%bf%d1%80%d0%be%d1%82%d0%b8%d0%b2-%d0%b3%d0%be%d0%bf%d0%b0%d1%8f-%d0%bf%d1%80%d0%be%d1%82\/","title":{"rendered":"\u041a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u044b\u0439 \u043b\u0430\u043d\u0434\u0448\u0430\u0444\u0442 \u043f\u043b\u0430\u0442\u0435\u0436\u043d\u043e\u0439 \u0438\u043d\u0434\u0443\u0441\u0442\u0440\u0438\u0438 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438: OVO vs GoPay vs DANA"},"content":{"rendered":"<p>\u0420\u044b\u043d\u043e\u043a \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u043e\u0442\u043b\u0438\u0447\u0430\u0435\u0442\u0441\u044f \u0432\u044b\u0441\u043e\u043a\u043e\u0439 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0446\u0438\u0435\u0439, \u0438 \u0433\u043b\u0430\u0432\u043d\u044b\u043c\u0438 \u043c\u0435\u0441\u0442\u043d\u044b\u043c\u0438 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u044b\u043c\u0438 \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0430\u043c\u0438 \u044f\u0432\u043b\u044f\u044e\u0442\u0441\u044f OVO, GoPay \u0438 DANA, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0444\u043e\u0440\u043c\u0438\u0440\u0443\u044e\u0442 \u0442\u0440\u0435\u0445\u0441\u0442\u043e\u0440\u043e\u043d\u043d\u044e\u044e \u0441\u0445\u0435\u043c\u0443, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u0443\u044e \u043d\u0430 \u0438\u0445 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0445 \u0441\u0438\u043b\u044c\u043d\u044b\u0445 \u0441\u0442\u043e\u0440\u043e\u043d\u0430\u0445. \u041d\u0438\u0436\u0435 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d \u043c\u043d\u043e\u0433\u043e\u043c\u0435\u0440\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u043e\u0439 \u0441\u0440\u0435\u0434\u044b:<\/p>\n<h3>I. \u0421\u0440\u0430\u0432\u043d\u0435\u043d\u0438\u0435 \u0434\u043e\u043b\u0438 \u0440\u044b\u043d\u043a\u0430 \u0438 \u0444\u043e\u043d\u0430<\/h3>\n<ol>\n<li><strong>OVO<\/strong>(\u0441\u043e\u0437\u0434\u0430\u043d \u0432 2017 \u0433\u043e\u0434\u0443)<\/li>\n<\/ol>\n<ul>\n<li>\u041f\u0440\u0438 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0435 Lippo Group \u0438 \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u044b Grab, \u0431\u043e\u043b\u0435\u0435 50 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439 \u043a 2023 \u0433\u043e\u0434\u0443.<\/li>\n<li>\u0414\u043e\u043c\u0438\u043d\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043d\u0430 \u0440\u044b\u043d\u043a\u0435 \u044d\u043b\u0438\u0442\u043d\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0445 \u0446\u0435\u043d\u0442\u0440\u043e\u0432 (\u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u043e \u0441 Lippo Mall) \u0441 \u0434\u043e\u043b\u0435\u0439 \u0440\u044b\u043d\u043a\u0430 ~35%<\/li>\n<li>\u0426\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u044b\u0439 \u0431\u0430\u043d\u043a \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u043d\u0435\u0434\u0430\u0432\u043d\u043e \u0432\u044b\u0434\u0430\u043b \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u044e \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0433<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>GoPay<\/strong>(\u0432\u0445\u043e\u0434\u0438\u0442 \u0432 \u0433\u0440\u0443\u043f\u043f\u0443 GoTo)<\/li>\n<\/ol>\n<ul>\n<li>TPay, \u043e\u0431\u044a\u0435\u0434\u0438\u043d\u044f\u044e\u0449\u0430\u044f \u0431\u044b\u0432\u0448\u0438\u0435 GoPay \u0438 Tokopedia, \u0434\u043e\u0441\u0442\u0438\u0433\u043b\u0430 38 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432 \u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u044b\u0445 \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0435\u0439<\/li>\n<li>\u0421\u0443\u043f\u0435\u0440\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u0435 Gojek \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u0435\u0442 \u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0435 \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e, \u043f\u043e\u0441\u043a\u043e\u043b\u044c\u043a\u0443 \u0435\u0436\u0435\u0434\u043d\u0435\u0432\u043d\u044b\u0435 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0438 \u043f\u0440\u0435\u0432\u044b\u0448\u0430\u044e\u0442 8 \u043c\u0438\u043b\u043b\u0438\u043e\u043d\u043e\u0432.<\/li>\n<li>\u0413\u043b\u0430\u0432\u043d\u044b\u0439 \u043f\u043e\u043f\u0443\u043b\u044f\u0440\u0438\u0437\u0430\u0442\u043e\u0440 \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430 QRIS, \u21161 \u043f\u043e \u043e\u0445\u0432\u0430\u0442\u0443 \u043c\u0438\u043a\u0440\u043e- \u0438 \u043c\u0435\u043b\u043a\u0438\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432 \u0432 \u043e\u0444\u043b\u0430\u0439\u043d\u0435<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>\u0414\u0410\u041d\u0410<\/strong>(Ant Group Technology Enablement)<\/li>\n<\/ol>\n<ul>\n<li>\u041a\u043e\u043d\u0441\u043e\u0440\u0446\u0438\u0443\u043c Sinar Mas \u0432 \u0421\u041f \u0441 Ant \u043f\u043b\u0430\u043d\u0438\u0440\u0443\u0435\u0442 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u043e\u0431\u044a\u0435\u043c \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0438\u0439 \u043d\u0430 471 TP3T \u043a 2023 \u0433\u043e\u0434\u0443<\/li>\n<li>\u041e\u0440\u0438\u0435\u043d\u0442\u0438\u0440\u0443\u044f\u0441\u044c \u043d\u0430 \u0442\u043e\u043d\u0443\u0449\u0438\u0439 \u0440\u044b\u043d\u043e\u043a \u0433\u043e\u0440\u043e\u0434\u043e\u0432 \u0432\u0442\u043e\u0440\u043e\u0433\u043e \u0438 \u0442\u0440\u0435\u0442\u044c\u0435\u0433\u043e \u044d\u0448\u0435\u043b\u043e\u043d\u043e\u0432 \u0432\u043b\u0430\u0441\u0442\u0438, \u043c\u044b \u0447\u0435\u0442\u043a\u043e \u0432\u044b\u0434\u0435\u043b\u044f\u0435\u043c \u0444\u0443\u043d\u043a\u0446\u0438\u044e \"\u043d\u0430\u0441\u043b\u0430\u0436\u0434\u0430\u0439\u0441\u044f, \u043f\u0440\u0435\u0436\u0434\u0435 \u0447\u0435\u043c \u043f\u043b\u0430\u0442\u0438\u0442\u044c\".<\/li>\n<\/ul>\n<h3>II. \u0423\u0433\u043b\u0443\u0431\u043b\u0435\u043d\u043d\u044b\u0439 \u0430\u043d\u0430\u043b\u0438\u0437 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u043f\u0430\u0440\u0430\u043c\u0435\u0442\u0440\u043e\u0432 \u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438<\/h3>\n<h4><strong>1. \u042d\u043a\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0441\u0438\u043d\u0435\u0440\u0433\u0438\u0437\u043c<\/strong><\/h4>\n<ul>\n<li><strong>OVO<\/strong>: \u041e\u043f\u043e\u0440\u0430 \u043d\u0430 Grab travel (\u0434\u043e\u043b\u044f \u0440\u044b\u043d\u043a\u0430 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 65%) \u0438 \u0440\u043e\u0437\u043d\u0438\u0447\u043d\u0443\u044e \u0441\u0435\u0442\u044c Lippo Group \u0434\u043b\u044f \u0444\u043e\u0440\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0437\u0430\u043c\u043a\u043d\u0443\u0442\u043e\u0433\u043e \u0446\u0438\u043a\u043b\u0430 \u0432 \u0441\u0444\u0435\u0440\u0435 \u0442\u0430\u043a\u0441\u0438, \u0434\u043e\u0441\u0442\u0430\u0432\u043a\u0438 \u0435\u0434\u044b \u0438 \u044d\u043b\u0438\u0442\u043d\u044b\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0445 \u0446\u0435\u043d\u0442\u0440\u043e\u0432. \u043d\u043e\u0432\u043e\u0435 \u043f\u0430\u0440\u0442\u043d\u0435\u0440\u0441\u0442\u0432\u043e \u0441 \u043a\u0438\u043d\u043e\u0442\u0435\u0430\u0442\u0440\u0430\u043c\u0438 \u0432 2023 \u0433\u043e\u0434\u0443, \u0441 \u043f\u0440\u043e\u043d\u0438\u043a\u043d\u043e\u0432\u0435\u043d\u0438\u0435\u043c \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 80%.<\/li>\n<li><strong>GoPay<\/strong>Gojek (\u0441\u0440\u0435\u0434\u043d\u0435\u0441\u0443\u0442\u043e\u0447\u043d\u044b\u0439 \u043e\u0431\u044a\u0435\u043c \u0437\u0430\u043a\u0430\u0437\u043e\u0432 - 4,5 \u043c\u043b\u043d) \u0438 Tokopedia (\u0435\u0436\u0435\u043c\u0435\u0441\u044f\u0447\u043d\u0430\u044f \u0430\u043a\u0442\u0438\u0432\u043d\u043e\u0441\u0442\u044c - 100 \u043c\u043b\u043d) - \u0434\u0432\u0443\u0445\u043c\u043e\u0442\u043e\u0440\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430, \u043f\u043e\u0437\u0432\u043e\u043b\u044f\u044e\u0449\u0430\u044f \u0434\u043e\u0441\u0442\u0438\u0447\u044c \u043f\u043e\u043b\u043d\u043e\u0433\u043e \u043e\u0445\u0432\u0430\u0442\u0430 \u0446\u0435\u043f\u043e\u0447\u043a\u0438 \"\u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u044f + \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u044f + \u0444\u0438\u043d\u0430\u043d\u0441\u044b\". \u041d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u0442\u0435\u043b\u0438 \u043c\u043e\u0433\u0443\u0442 \u043f\u0440\u0438\u043e\u0431\u0440\u0435\u0442\u0430\u0442\u044c \u0442\u043e\u0432\u0430\u0440\u044b Tokopedia \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443 \u0447\u0435\u0440\u0435\u0437 GoPay.<\/li>\n<li><strong>\u0414\u0410\u041d\u0410<\/strong>\u041a\u043e\u043c\u043f\u0430\u043d\u0438\u044f \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u044f\u0435\u0442 \u0442\u0440\u0430\u0444\u0438\u043a \u0447\u0435\u0440\u0435\u0437 \u0441\u043e\u0446\u0438\u0430\u043b\u044c\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b Emtek Group (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, LINE Indonesia), \u043d\u043e \u0438\u043c\u0435\u0435\u0442 \u0441\u043b\u0430\u0431\u0443\u044e \u044d\u043a\u043e\u0441\u0438\u0441\u0442\u0435\u043c\u0443 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0446\u0438\u0438 \u0438 \u0440\u0430\u0441\u0448\u0438\u0440\u044f\u0435\u0442 \u0433\u0440\u0430\u043d\u0438\u0446\u044b \u0441\u0432\u043e\u0438\u0445 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433, \u0438\u043d\u0432\u0435\u0441\u0442\u0438\u0440\u0443\u044f \u0432 \u043f\u043b\u0430\u0442\u0444\u043e\u0440\u043c\u044b P2P-\u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u044f.<\/li>\n<\/ul>\n<h4><strong>2. \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0447\u0435\u0441\u043a\u0430\u044f \u0434\u0438\u0444\u0444\u0435\u0440\u0435\u043d\u0446\u0438\u0430\u0446\u0438\u044f<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\u0444\u0443\u043d\u043a\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u044c<\/th>\n<th>OVO<\/th>\n<th>GoPay<\/th>\n<th>\u0414\u0410\u041d\u0410<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u0431\u0438\u043e\u043c\u0435\u0442\u0440\u0438\u0447\u0435\u0441\u043a\u0438\u0439<\/strong><\/td>\n<td>3D \u043e\u043f\u043b\u0430\u0442\u0430 \u043b\u0438\u0446\u0430<\/td>\n<td>\u0440\u0430\u0441\u043f\u043e\u0437\u043d\u0430\u0432\u0430\u043d\u0438\u0435 \u0433\u043e\u043b\u043e\u0441\u0430<\/td>\n<td>\u0414\u0432\u043e\u0439\u043d\u0430\u044f \u0430\u0443\u0442\u0435\u043d\u0442\u0438\u0444\u0438\u043a\u0430\u0446\u0438\u044f \u043f\u043e \u043e\u0442\u043f\u0435\u0447\u0430\u0442\u043a\u0443 \u043f\u0430\u043b\u044c\u0446\u0430 + \u0440\u0430\u0434\u0443\u0436\u043d\u043e\u0439 \u043e\u0431\u043e\u043b\u043e\u0447\u043a\u0435 \u0433\u043b\u0430\u0437\u0430<\/td>\n<\/tr>\n<tr>\n<td><strong>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438<\/strong><\/td>\n<td>Grab Co-operation \u041e\u0442\u0441\u0440\u043e\u0447\u043a\u0430 \u043f\u043b\u0430\u0442\u0435\u0436\u0430<\/td>\n<td>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u0441\u0438\u0441\u0442\u0435\u043c\u0430 GoPay Later<\/td>\n<td>DANA CICIL (\u043f\u043e\u043a\u0443\u043f\u043a\u0430 \u0432 \u0440\u0430\u0441\u0441\u0440\u043e\u0447\u043a\u0443)<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0422\u0440\u0430\u043d\u0441\u0433\u0440\u0430\u043d\u0438\u0447\u043d\u044b\u0435 \u043f\u043b\u0430\u0442\u0435\u0436\u0438<\/strong><\/td>\n<td>\u0414\u043e\u0441\u0442\u0443\u043f \u043a \u0441\u0438\u043d\u0433\u0430\u043f\u0443\u0440\u0441\u043a\u043e\u0439 NETS<\/td>\n<td>\u041e\u0433\u0440\u0430\u043d\u0438\u0447\u0435\u043d\u043d\u044b\u0439<\/td>\n<td>\u041f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0430 \u043a\u0430\u043d\u0430\u043b\u043e\u0432 Alipay+<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u041f\u0440\u0438\u043c\u0435\u0447\u0430\u043d\u0438\u0435: DANA \u0438\u043c\u0435\u0435\u0442 \u0441\u0430\u043c\u044b\u0439 \u043d\u0438\u0437\u043a\u0438\u0439 \u043f\u043e\u043a\u0430\u0437\u0430\u0442\u0435\u043b\u044c \u0431\u0435\u0437\u043d\u0430\u0434\u0435\u0436\u043d\u044b\u0445 \u0434\u043e\u043b\u0433\u043e\u0432 \u0432 \u0441\u0438\u0441\u0442\u0435\u043c\u0435 \u043a\u043e\u043d\u0442\u0440\u043e\u043b\u044f \u0440\u0438\u0441\u043a\u043e\u0432 \u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0442\u0435\u0445\u043d\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043f\u043e\u0434\u0434\u0435\u0440\u0436\u043a\u0435 Ant (1,2% \u043f\u0440\u043e\u0442\u0438\u0432 3,5% \u0432 \u0441\u0440\u0435\u0434\u043d\u0435\u043c \u043f\u043e \u043e\u0442\u0440\u0430\u0441\u043b\u0438).<\/em><\/p>\n<h4><strong>3. \u0420\u0435\u0433\u0443\u043b\u0438\u0440\u0443\u0435\u043c\u044b\u0435 \u0430\u0437\u0430\u0440\u0442\u043d\u044b\u0435 \u0438\u0433\u0440\u044b<\/strong><\/h4>\n<ul>\n<li>OVO \u043d\u0430\u0447\u0430\u043b \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u044c \u0432\u043a\u043b\u0430\u0434\u044b, \u043f\u043e\u043b\u0443\u0447\u0438\u0432 \u043b\u0438\u0446\u0435\u043d\u0437\u0438\u044e \u043d\u0430 \u0446\u0438\u0444\u0440\u043e\u0432\u043e\u0439 \u0431\u0430\u043d\u043a\u0438\u043d\u0433, \u0438 \u043f\u0440\u0438\u0432\u043b\u0435\u043a \u0432\u043a\u043b\u0430\u0434\u0447\u0438\u043a\u043e\u0432, \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0438\u0432 \u0438\u043c \u0433\u043e\u0434\u043e\u0432\u0443\u044e \u043f\u0440\u043e\u0446\u0435\u043d\u0442\u043d\u0443\u044e \u0441\u0442\u0430\u0432\u043a\u0443 \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 7%;<\/li>\n<li>GoPay \u0441\u0442\u0430\u043b\u043a\u0438\u0432\u0430\u0435\u0442\u0441\u044f \u0441 \u0440\u0430\u0437\u043d\u043e\u0433\u043b\u0430\u0441\u0438\u044f\u043c\u0438 \u043f\u043e \u043f\u043e\u0432\u043e\u0434\u0443 \u043f\u043e\u0432\u044b\u0448\u0435\u043d\u0438\u044f \u0441\u0442\u0430\u0432\u043e\u043a \u0432 \u0441\u0432\u044f\u0437\u0438 \u0441 \u0443\u0431\u044b\u0442\u043e\u0447\u043d\u043e\u0441\u0442\u044c\u044e GoTo Group;<\/li>\n<li>DANA \u043f\u043e\u043b\u044c\u0437\u0443\u0435\u0442\u0441\u044f \u043f\u0440\u0435\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430\u043c\u0438 \u0443\u043d\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u043e\u0433\u043e \u0441\u0442\u0430\u043d\u0434\u0430\u0440\u0442\u0430 QR-\u043a\u043e\u0434\u0430 \u0411\u0430\u043d\u043a\u0430 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 (QRIS), \u043a\u043e\u0442\u043e\u0440\u044b\u0439 \u0441\u043d\u0438\u0436\u0430\u0435\u0442 \u0441\u0442\u043e\u0438\u043c\u043e\u0441\u0442\u044c \u0434\u043e\u0441\u0442\u0443\u043f\u0430 \u0434\u043b\u044f \u043c\u0430\u043b\u044b\u0445 \u0438 \u0441\u0440\u0435\u0434\u043d\u0438\u0445 \u0442\u043e\u0440\u0433\u043e\u0432\u044b\u0445 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 \u043d\u0430 40%.<\/li>\n<\/ul>\n<hr>\n<h3>III. \u041a\u043b\u044e\u0447 \u043a \u0431\u0443\u0434\u0443\u0449\u0438\u043c \u043f\u0440\u043e\u0440\u044b\u0432\u0430\u043c<\/h3>\n<ol>\n<li><strong>\u0412\u044b\u0437\u043e\u0432 OVO<\/strong>\u041d\u0435\u0434\u0430\u0432\u043d\u0435\u0435 \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 Grab \u0441 Emtek \u043c\u043e\u0436\u0435\u0442 \u043e\u0442\u0432\u043b\u0435\u0447\u044c \u0435\u0435 \u0434\u043e\u043b\u044e \u0432 \u0441\u0444\u0435\u0440\u0435 \u043f\u0443\u0442\u0435\u0448\u0435\u0441\u0442\u0432\u0438\u0439, \u0438 \u0435\u0439 \u043d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e \u0443\u0441\u043a\u043e\u0440\u0438\u0442\u044c \u0440\u0430\u0441\u0448\u0438\u0440\u0435\u043d\u0438\u0435 B2B-\u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0446\u0435\u043f\u043e\u0447\u0435\u043a \u043f\u043e\u0441\u0442\u0430\u0432\u043e\u043a.<\/li>\n<li><strong>\u0412\u043e\u0437\u043c\u043e\u0436\u043d\u043e\u0441\u0442\u0438 GoPay<\/strong>: \u041f\u043e\u0441\u043b\u0435 \u0432\u044b\u0445\u043e\u0434\u0430 \u043d\u0430 \u0431\u0438\u0440\u0436\u0443 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u043f\u043e\u0442\u043e\u043a\u0438 GoTo \u0443\u043b\u0443\u0447\u0448\u0430\u0442\u0441\u044f, \u0438 \u043e\u043d\u0430 \u0441\u043c\u043e\u0436\u0435\u0442 \u0443\u0432\u0435\u043b\u0438\u0447\u0438\u0442\u044c \u0441\u0443\u0431\u0441\u0438\u0434\u0438\u0438 \u043f\u043e \u043d\u0443\u043b\u0435\u0432\u043e\u0439 \u0441\u0442\u0430\u0432\u043a\u0435 \u0434\u043b\u044f \u043e\u0444\u043b\u0430\u0439\u043d\u043e\u0432\u044b\u0445 \u043c\u0438\u043a\u0440\u043e\u0442\u043e\u0440\u0433\u043e\u0432\u0446\u0435\u0432.<br \/>\n3.\u00a0\u00a0<strong>\u0410\u043c\u0431\u0438\u0446\u0438\u0438 \u0414\u0430\u043d\u044b<\/strong>: \u0418\u0441\u043f\u043e\u043b\u044c\u0437\u043e\u0432\u0430\u043d\u0438\u0435 Alipay+ \u0434\u043b\u044f \u043e\u0441\u0432\u043e\u0435\u043d\u0438\u044f \u043a\u0438\u0442\u0430\u0439\u0441\u043a\u043e\u0433\u043e \u0442\u0443\u0440\u0438\u0441\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e \u0440\u044b\u043d\u043a\u0430 (\u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u0447\u0442\u043e \u043a 2024 \u0433\u043e\u0434\u0443 \u043e\u043d \u0432\u0435\u0440\u043d\u0435\u0442\u0441\u044f \u043a \u0443\u0440\u043e\u0432\u043d\u044e \u0434\u043e\u044d\u043f\u0438\u0434\u0435\u043c\u0438\u0447\u0435\u0441\u043a\u043e\u0433\u043e 1,20%), \u0430 \u0442\u0430\u043a\u0436\u0435 \u0442\u0435\u0441\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 BNPL (Buy Now Pay Later).<\/li>\n<\/ol>\n<blockquote>\n<p><em>\u041c\u043d\u0435\u043d\u0438\u0435 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u0430: \u041d\u043e\u0432\u043e\u0435 \u043f\u043e\u0441\u0442\u0430\u043d\u043e\u0432\u043b\u0435\u043d\u0438\u0435 \u0446\u0435\u043d\u0442\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0431\u0430\u043d\u043a\u0430 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u043e\u0442 2024 \u0433\u043e\u0434\u0430 \u0442\u0440\u0435\u0431\u0443\u0435\u0442 \u0443\u0432\u0435\u043b\u0438\u0447\u0435\u043d\u0438\u044f \u0434\u0435\u043f\u043e\u0437\u0438\u0442\u0430 \u0432 \u044d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u043e\u043c \u043a\u043e\u0448\u0435\u043b\u044c\u043a\u0435 \u0434\u043e 200 \u043c\u043b\u0440\u0434 \u0440\u0443\u043f\u0438\u0439 (\u043e\u043a\u043e\u043b\u043e 13 \u043c\u043b\u043d \u0434\u043e\u043b\u043b\u0430\u0440\u043e\u0432), \u0447\u0442\u043e \u043c\u043e\u0436\u0435\u0442 \u0432\u044b\u0437\u0432\u0430\u0442\u044c \u043f\u0435\u0440\u0435\u0441\u0442\u0430\u043d\u043e\u0432\u043a\u0438 \u0432 \u043e\u0442\u0440\u0430\u0441\u043b\u0438, \u0430 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u044f DANA \u0431\u043e\u043b\u0435\u0435 \u0443\u0441\u0442\u043e\u0439\u0447\u0438\u0432\u0430 \u043a \u0440\u0438\u0441\u043a\u0430\u043c \u0431\u043b\u0430\u0433\u043e\u0434\u0430\u0440\u044f \u0434\u043e\u0441\u0442\u0430\u0442\u043e\u0447\u043d\u044b\u043c \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430\u043c \u043e\u0442 \u0441\u0432\u043e\u0438\u0445 \u043e\u0441\u043d\u043e\u0432\u043d\u044b\u0445 \u0430\u043a\u0446\u0438\u043e\u043d\u0435\u0440\u043e\u0432.<\/em><\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>\u0420\u044b\u043d\u043e\u043a \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u043f\u043b\u0430\u0442\u0435\u0436\u0435\u0439 \u0432 \u0418\u043d\u0434\u043e\u043d\u0435\u0437\u0438\u0438 \u044f\u0432\u043b\u044f\u0435\u0442\u0441\u044f \u0432\u044b\u0441\u043e\u043a\u043e\u043a\u043e\u043d\u043a\u0443\u0440\u0435\u043d\u0442\u043d\u044b\u043c: OVO, GoPay \u0438 DANA...<\/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-3372","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\u652f\u4ed8\u884c\u4e1a\u7ade\u4e89\u683c\u5c40\uff1aOVO vs GoPay vs DANA - 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\/07\/01\/\u5370\u5c3c\u652f\u4ed8\u884c\u4e1a\u7ade\u4e89\u683c\u5c40\uff1aovo-\u043f\u0440\u043e\u0442\u0438\u0432-\u0433\u043e\u043f\u0430\u044f-\u043f\u0440\u043e\u0442\/\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5c3c\u652f\u4ed8\u884c\u4e1a\u7ade\u4e89\u683c\u5c40\uff1aOVO vs GoPay vs DANA\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5c3c\u7684\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7ade\u4e89\u6fc0\u70c8\uff0cOVO\u3001GoPay\u548cDANA\u4f5c\u4e3a&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/ru\/2025\/07\/01\/\u5370\u5c3c\u652f\u4ed8\u884c\u4e1a\u7ade\u4e89\u683c\u5c40\uff1aovo-\u043f\u0440\u043e\u0442\u0438\u0432-\u0433\u043e\u043f\u0430\u044f-\u043f\u0440\u043e\u0442\/\" \/>\n<meta property=\"og:site_name\" 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