{"id":2446,"date":"2025-05-05T15:04:52","date_gmt":"2025-05-05T07:04:52","guid":{"rendered":"https:\/\/deekpay.com\/?p=2446"},"modified":"2025-05-05T15:04:52","modified_gmt":"2025-05-05T07:04:52","slug":"open-%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%9c%89%e5%be%88%e5%a4%9a%e5%a4%a7%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0%ef%bc%8c%e8%bf%98%e6%9c%89%e5%be%88","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/05\/open%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%ef%bc%9a%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%9c%89%e5%be%88%e5%a4%9a%e5%a4%a7%e4%b8%89%e6%96%b9%e5%b9%b3%e5%8f%b0%ef%bc%8c%e8%bf%98%e6%9c%89%e5%be%88\/","title":{"rendered":"Open \u652f\u4ed8\u7f51\u5173\uff1a\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\u591a\u5c0f\u56db\u65b9\uff0c\u90fd\u9760\u8c31\u5417\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts337.mm.bing.net\/th?q=phonepe336\" alt=\"\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\u591a\u5c0f\u56db\u65b9\uff0c\u90fd\u9760\u8c31\u5417\uff1f\" title=\"\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\u591a\u5c0f\u56db\u65b9\uff0c\u90fd\u9760\u8c31\u5417\uff1f\"><\/p>\n<p>\u5728\u5370\u5ea6\u652f\u4ed8\u751f\u6001\u4e2d\uff0c\u7b2c\u4e09\u65b9(3P)\u548c\u7b2c\u56db\u65b9(4P)\u652f\u4ed8\u5e73\u53f0\u7684\u53ef\u9760\u6027\u786e\u5b9e\u5b58\u5728\u663e\u8457\u5dee\u5f02\uff0c\u9700\u8981\u4ece\u4ee5\u4e0b\u51e0\u4e2a\u5173\u952e\u7ef4\u5ea6\u8fdb\u884c\u4e13\u4e1a\u8bc4\u4f30\uff1a<\/p>\n<ol>\n<li>\u76d1\u7ba1\u5408\u89c4\u6027<\/li>\n<\/ol>\n<ul>\n<li>RBI\u6388\u6743PI\u724c\u7167\u6301\u6709\u8005\uff08Paytm\u3001PhonePe\u7b49\uff09\u53d7\u4e25\u683c\u8d44\u672c\u5145\u8db3\u7387\uff0815\u4ebf\u5362\u6bd4\u6700\u4f4e\u51c0\u989d\uff09\u548c\u6570\u636e\u672c\u5730\u5316\u8981\u6c42\u7ea6\u675f<\/li>\n<li>\u5c0f\u578b\u56db\u65b9\u805a\u5408\u5546\u5e38\u4ee5PA-DSS\u5408\u89c4\u66ff\u4ee3\u5b8c\u6574PCI DSS\u8ba4\u8bc1\uff0c\u5b58\u5728\u6280\u672f\u6f0f\u6d1e\u98ce\u9669<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u8d44\u91d1\u6d41\u5b89\u5168\u6027<\/li>\n<\/ol>\n<ul>\n<li>\u6b63\u89c43P\u5e73\u53f0\u91c7\u7528Escrow\u8d26\u6237\u6258\u7ba1\uff08\u65e5\u5747\u4f59\u989d\u768475%\u9700\u5b58\u5165RBI\u6307\u5b9a\u94f6\u884c\uff09<\/li>\n<li>\u90e8\u52064P\u5e73\u53f0\u5b58\u5728\"\u76f4\u901a\u5904\u7406\"\u6a21\u5f0f\uff0c\u5bfc\u81f4\u5546\u6237\u7ed3\u7b97\u5468\u671f\u8d85\u8fc7T+2\u6807\u51c6<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\u6280\u672f\u98ce\u9669\u6307\u6807<\/li>\n<\/ol>\n<ul>\n<li>\u5934\u90e8\u5e73\u53f0\u6b3a\u8bc8\u4ea4\u6613\u7387\u63a7\u5236\u57287-12bps\uff08\u884c\u4e1a\u5e73\u5747\u4e3a23bps\uff09<\/li>\n<li>UPI\u5e95\u5c42MDR\u6210\u672c\u8f6c\u5ac1\u53ef\u80fd\u5bfc\u81f44P\u5e73\u53f0\u9690\u85cf\u6536\u8d39\uff08\u5e38\u89c10.3%-1.2%\u7684\u9644\u52a0\u8d39\uff09<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\u5e02\u573a\u5b9e\u8df5\u5efa\u8bae<br \/>\n\u2022 \u6708\u4ea4\u6613\u91cf\u8d85\u8fc750\u4e07\u5362\u6bd4\u5e94\u4f18\u5148\u9009\u62e9RBI\u4e8c\u7ea7\u4ee5\u4e0a\u6388\u6743PI<br \/>\n\u2022 \u8de8\u5883\u4e1a\u52a1\u9700\u786e\u8ba4\u5e73\u53f0\u662f\u5426\u5177\u5907OPGSP\u8d44\u8d28<br \/>\n\u2022 \u8b66\u60d5\u63d0\u4f9b\u5f02\u5e38\u9ad8\u8fd4\u73b0\uff08\u8d85\u8fc7\u4ea4\u6613\u989d1.5%\uff09\u7684\u957f\u5c3e\u805a\u5408\u5546<\/li>\n<\/ol>\n<p>\u5178\u578b\u6848\u4f8b\uff1a2023\u5e74\u5b5f\u4e70\u67d04P\u5e73\u53f0\u56e0\u5907\u7528\u91d1\u4e0d\u8db3\u5bfc\u81f4200\u4f59\u5bb6\u5546\u6237\u5ef6\u8fdf\u7ed3\u7b97\uff0c\u51f8\u663e\u4e86\u975e\u6301\u724c\u673a\u6784\u7684\u98ce\u9669\u3002\u5efa\u8bae\u901a\u8fc7RBI\u5b98\u7f51\u7684\"Payment System Operators\"\u5217\u8868\u9a8c\u8bc1\u8d44\u8d28\uff0c\u5e76\u5b9a\u671f\u5ba1\u67e5\u5e73\u53f0\u7684NETS\u8d22\u52a1\u5065\u5eb7\u8bc4\u7ea7\u3002<\/p>\n<h3><strong>\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u7684\u98ce\u9669\u7ba1\u7406\u4e0e\u6700\u4f73\u5b9e\u8df5\uff08\u7eed\uff09<\/strong><\/h3>\n<h4><strong>5. \u5178\u578b\u98ce\u9669\u573a\u666f\u5206\u6790<\/strong><\/h4>\n<ul>\n<li><strong>\u8d44\u91d1\u6ede\u7559\u98ce\u9669<\/strong>\uff1a\u90e8\u52064P\u5e73\u53f0\u91c7\u7528\u201cT+N\u201d\u7ed3\u7b97\u6a21\u5f0f\uff08N&gt;3\uff09\uff0c\u751a\u81f3\u8981\u6c42\u5546\u6237\u8fbe\u5230\u6700\u4f4e\u63d0\u73b0\u91d1\u989d\uff08\u5982\u20b910,000\uff09\uff0c\u5f71\u54cd\u73b0\u91d1\u6d41\u3002<\/li>\n<li><strong>\u6570\u636e\u6cc4\u9732\u4e8b\u4ef6<\/strong>\uff1a2023\u5e74\uff0c\u67d0\u533a\u57df\u6027\u805a\u5408\u5546\u56e0\u672a\u5b9e\u65bdTokenization\u5bfc\u81f450\u4e07\u5f20\u5361\u4fe1\u606f\u6cc4\u9732\uff0c\u88abRBI\u5904\u4ee5\u20b92.3\u4ebf\u7f5a\u6b3e\u3002<\/li>\n<li><strong>\u724c\u7167\u5957\u58f3\u8fd0\u8425<\/strong>\uff1a\u67d0\u4e9b\u5c0f\u56db\u65b9\u901a\u8fc7\u201c\u767d\u6807\u5408\u4f5c\u201d\u4f7f\u7528\u6301\u724c3P\u7684\u901a\u9053\uff0c\u4f46\u5b9e\u9645\u63a7\u5236\u65b9\u65e0\u8d44\u8d28\uff0c\u4e00\u65e6\u8dd1\u8def\u5546\u6237\u7ef4\u6743\u56f0\u96be\u3002<\/li>\n<\/ul>\n<h4><strong>6. \u6280\u672f\u67b6\u6784\u8bc4\u4f30\u8981\u70b9<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th><strong>\u6307\u6807<\/strong><\/th>\n<th>\u53ef\u97603P\u5e73\u53f0\u6807\u51c6<\/th>\n<th>\u9ad8\u98ce\u96694P\u5e38\u89c1\u7f3a\u9677<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>API\u54cd\u5e94\u65f6\u95f4<\/strong><\/td>\n<td>&lt;300ms (99% SLA)<\/td>\n<td>&gt;800ms\uff0c\u9891\u7e41\u8d85\u65f6<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5931\u8d25\u4ea4\u6613\u7387<\/strong><\/td>\n<td>&lt;0.5%<\/td>\n<td>&gt;2%\uff08\u5c24\u5176\u662fUPI\u573a\u666f\uff09<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5ba1\u8ba1\u65e5\u5fd7<\/strong><\/td>\n<td>ISO 27001\u8ba4\u8bc1+\u5b63\u5ea6\u6e17\u900f\u6d4b\u8bd5<\/td>\n<td>\u65e5\u5fd7\u5b58\u50a8&lt;30\u5929\u6216\u65e0\u52a0\u5bc6<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>7. \u5546\u6237\u98ce\u63a7\u5efa\u8bae<\/strong><\/h4>\n<ul>\n<li><strong>\u5408\u540c\u6761\u6b3e\u5ba1\u67e5\u91cd\u70b9<\/strong>\uff1a\n<ul>\n<li>\u660e\u786e\u7ed3\u7b97\u5468\u671f\uff08\u5e94\u2264T+2\uff09\u3001\u624b\u7eed\u8d39\u7ed3\u6784\uff08\u662f\u5426\u542b\u9690\u85cf\u8d39\u7528\u5982\u201c\u7f51\u5173\u7ef4\u62a4\u8d39\u201d\uff09<\/li>\n<li>\u5f3a\u5236\u8981\u6c42\u63d0\u4f9b\u300a\u6570\u636e\u672c\u5730\u5316\u5408\u89c4\u8bc1\u660e\u300b\uff08RBI DPSS\u6761\u4f8b\uff09<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u6c99\u76d2\u6d4b\u8bd5\u5fc5\u68c0\u9879<\/strong>\uff1a\u6a21\u62df\u9ad8\u5e76\u53d1\u4ea4\u6613\uff08\u2265500TPS\uff09\u3001\u65ad\u7535\u6062\u590d\u3001\u91cd\u590d\u652f\u4ed8\u5904\u7406\u903b\u8f91<\/li>\n<\/ul>\n<h4><strong>8. RBI\u6700\u65b0\u76d1\u7ba1\u52a8\u6001\uff082024\uff09<\/strong><\/h4>\n<ul>\n<li><strong>UPI Lite\u9650\u989d\u63d0\u5347<\/strong>\uff1a\u5355\u7b14\u4ea4\u6613\u4e0a\u9650\u4ece\u20b9200\u589e\u81f3\u20b9500\uff0c\u9002\u5408\u5c0f\u56db\u65b9\u7684\u5c0f\u989d\u9ad8\u9891\u573a\u666f\uff0c\u4f46\u9700\u786e\u8ba4\u662f\u5426\u652f\u6301\u81ea\u52a8\u5bf9\u8d26\u3002<\/li>\n<li><strong>\u8de8\u5883\u652f\u4ed8\u6536\u7d27<\/strong>\uff1a\u6240\u6709\u6d89\u53ca\u5916\u6c47\u7684\u805a\u5408\u5546\u9700\u57282024Q3\u524d\u5b8c\u6210EMPS\u724c\u7167\u5347\u7ea7\uff0c\u5426\u5219\u5c06\u6e05\u9000\u4e1a\u52a1\u3002<\/li>\n<\/ul>\n<h4><strong>9. \u66ff\u4ee3\u65b9\u6848\u53c2\u8003<\/strong><\/h4>\n<p>\u82e5\u62c5\u5fc3\u5c0f\u56db\u65b9\u98ce\u9669\uff0c\u53ef\u8003\u8651\u4ee5\u4e0b\u6df7\u5408\u6a21\u5f0f\uff1a<\/p>\n<ol>\n<li><strong>\u4e3b\u6e20\u9053\u9009\u62e9\u6301\u724c3P\uff08\u5982Razorpay\/CCAvenue\uff09\u5904\u740680%\u4ee5\u4e0a\u4ea4\u6613\u91cf<\/strong><\/li>\n<li><strong>\u7528\u5177\u5907PA-DSS\u8ba4\u8bc1\u76844P\uff08\u5982Cashfree\u5408\u4f5c\u4f19\u4f34\uff09\u505a\u957f\u5c3e\u573a\u666f\u8865\u5145<\/strong><\/li>\n<li><strong>\u81ea\u5efaPCI DSS Level 1\u5408\u89c4\u7684Direct UPI\u63a5\u5165\uff08\u9700\u6280\u672f\u56e2\u961f\u652f\u6301\uff09<\/strong><\/li>\n<\/ol>\n<p>\u5982\u9700\u5177\u4f53\u67d0\u4e2a\u5e73\u53f0\u7684\u5408\u89c4\u6027\u9a8c\u8bc1\u65b9\u6cd5\u6216\u6280\u672f\u67b6\u6784\u6df1\u5ea6\u5206\u6790\uff0c\u53ef\u8fdb\u4e00\u6b65\u63a2\u8ba8\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5728\u5370\u5ea6\u652f\u4ed8\u751f\u6001\u4e2d\uff0c\u7b2c\u4e09\u65b9(3P)\u548c\u7b2c\u56db\u65b9(4P)\u652f\u4ed8\u5e73\u53f0\u7684\u53ef\u2026<\/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":[4],"tags":[],"class_list":["post-2446","post","type-post","status-publish","format-standard","hentry","category-4"],"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>Open \u652f\u4ed8\u7f51\u5173\uff1a\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\u591a\u5c0f\u56db\u65b9\uff0c\u90fd\u9760\u8c31\u5417\uff1f - 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\/zh\/2025\/05\/05\/open\u652f\u4ed8\u7f51\u5173\uff1a\u5370\u5ea6\u652f\u4ed8\u6709\u5f88\u591a\u5927\u4e09\u65b9\u5e73\u53f0\uff0c\u8fd8\u6709\u5f88\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Open 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