{"id":2494,"date":"2025-05-10T15:45:44","date_gmt":"2025-05-10T07:45:44","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2494"},"modified":"2025-05-10T15:45:44","modified_gmt":"2025-05-10T07:45:44","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/10\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%a6%82%e4%bd%95%e8%b5%8b%e8%83%bd%e5%87%ba%e5%8f%a3%e5%9e%8b%e4%bc%81%e4%b8%9a%ef%bc%9f\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts268.mm.bing.net\/th?q=phonepe267\" alt=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\" title=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\"><\/p>\n<p>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u4e3a\u51fa\u53e3\u578b\u4f01\u4e1a\u63d0\u4f9b\u4e86\u9ad8\u6548\u3001\u4f4e\u6210\u672c\u7684\u8de8\u5883\u6536\u6b3e\u89e3\u51b3\u65b9\u6848\uff0c\u80fd\u663e\u8457\u63d0\u5347\u8d44\u91d1\u6d41\u8f6c\u6548\u7387\u5e76\u964d\u4f4e\u8fd0\u8425\u6210\u672c\u3002\u4ee5\u4e0b\u662f\u5177\u4f53\u8d4b\u80fd\u65b9\u5f0f\u548c\u5173\u952e\u6ce8\u610f\u4e8b\u9879\uff1a<\/p>\n<p><strong>\u4e00\u3001\u6838\u5fc3\u8d4b\u80fd\u4f18\u52bf<\/strong><\/p>\n<ol>\n<li><strong>\u672c\u5730\u5316\u6536\u6b3e\u7f51\u7edc<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u652f\u6301UPI\/RTGS\/NEFT\u7b49\u672c\u571f\u652f\u4ed8\u65b9\u5f0f\uff0c\u89e3\u51b3\u5370\u5ea6\u4e70\u5bb6\u504f\u597d\u672c\u5730\u652f\u4ed8\u7684\u75db\u70b9<\/li>\n<li>\u5178\u578b\u6848\u4f8b\uff1a\u67d0\u4e2d\u56fd\u673a\u68b0\u51fa\u53e3\u5546\u901a\u8fc7\u63a5\u5165Paytm Payment Gateway\uff0c\u56de\u6b3e\u5468\u671f\u4ece14\u5929\u7f29\u77ed\u81f3T+2<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u667a\u80fd\u6c47\u7387\u7ba1\u7406<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u52a8\u6001\u9501\u5b9a\u6700\u4f18\u6c47\u7387\u7a97\u53e3\uff08\u5982HDFC Bank\u7684ForexEdge\u7cfb\u7edf\uff09<\/li>\n<li>\u6bd4\u4f20\u7edf\u94f6\u884c\u6362\u6c47\u5e73\u5747\u8282\u77011.2%-1.8%\u6210\u672c<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li><strong>\u5408\u89c4\u98ce\u63a7\u4f53\u7cfb<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u81ea\u52a8\u5339\u914dFEMA\u6587\u4ef6\u8981\u6c42\uff08GSTIN\u3001IEC\u7f16\u7801\u7b49\uff09<\/li>\n<li>Razorpay\u7b49\u5e73\u53f0\u63d0\u4f9b\u5b9e\u65f6\u53cd\u6b3a\u8bc8\u7b5b\u67e5\uff0c\u62d2\u4ed8\u7387\u53ef\u63a7\u5236\u57280.3%\u4ee5\u4e0b<\/li>\n<\/ul>\n<p><strong>\u4e8c\u3001\u6280\u672f\u5b9e\u73b0\u8def\u5f84<\/strong><\/p>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\nA[\u4f01\u4e1aERP\u7cfb\u7edf] --&gt;|API\u8c03\u7528| B(\u652f\u4ed8\u7f51\u5173\u96c6\u6210)<br>\r\nB --&gt; C{\u8def\u7531\u5224\u65ad}<br>\r\nC --&gt;|\u5927\u989d\u4ea4\u6613| D[SWIFT\u901a\u9053]<br>\r\nC --&gt;|\u4e2d\u5c0f\u989d\u4ea4\u6613| E[\u672c\u5730\u6e05\u7b97\u7f51\u7edc]<br>\r\nD &amp; E --&gt; F[\u81ea\u52a8\u5bf9\u8d26\u6a21\u5757]<br>\r\nF --&gt; G[T+3\u65e5\u5185\u5230\u8d26]<br>\r\n<\/code><\/pre>\n<p><strong>\u4e09\u3001\u6210\u672c\u4f18\u5316\u7b56\u7565<\/strong><\/p>\n<ol>\n<li>\u9636\u68af\u5f0f\u624b\u7eed\u8d39\u6a21\u578b\uff08\u4f8b\uff1aPhonePe\u5bf9\u6708\u6d41\u6c34\u8d855\u4e07\u7f8e\u5143\u5ba2\u6237\u63d0\u4f9b0.5%\u8d39\u7387\u5c01\u9876\uff09<\/li>\n<li>\u5229\u7528Vostro\u8d26\u6237\u907f\u514d\u4e2d\u95f4\u884c\u6263\u8d39\uff08\u9700\u4e0eAxis\u7b49\u6388\u6743\u94f6\u884c\u5408\u4f5c\uff09<\/li>\n<\/ol>\n<p><strong>\u56db\u3001\u98ce\u9669\u9632\u8303\u8981\u70b9<\/strong><\/p>\n<ol>\n<li>\u5fc5\u987b\u9a8c\u8bc1\u4ed8\u6b3e\u65b9PAN\u5361\u4fe1\u606f\u771f\u5b9e\u6027<\/li>\n<li>RBI\u89c4\u5b9a\u5355\u7b14UPI\u4ed8\u6b3e\u4e0a\u965020\u4e07\u5362\u6bd4\uff08\u7ea62400\u7f8e\u5143\uff09\uff0c\u5927\u989d\u9700\u5206\u62c6<br \/>\n3.GST\u9006\u5411\u5f81\u6536\u673a\u5236(Reverse Charge)\u7684\u7a0e\u52a1\u5904\u7406<\/li>\n<\/ol>\n<p>\u5f53\u524d\u5e02\u573a\u9886\u5148\u65b9\u6848\u5bf9\u6bd4\uff1a<br \/>\n\u2502\u5e73\u53f0\u3000\u3000\u3000\u2502\u7ed3\u7b97\u901f\u5ea6\u2502\u652f\u6301\u5e01\u79cd\u3000\u2502\u6700\u4f4e\u8d39\u7387\u2502<br \/>\n\u251c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502PayU\u3000\u3000 \u2502T+2\u3000\u3000 \u250212\u79cd\u3000\u3000 \u25020.75%\u3000 \u2502<br \/>\n\u2502Instamojo\u2502T+1\u3000\u3000 \u2502INR-only \u25020.5%\u8d77\u3000\u2502<br \/>\n\uff5cAirwallex\uff5c\u5b9e\u65f6\u5230\u8d26\uff5c17\u79cd\u8d27\u5e01\uff5c0\u5916\u6c47\u52a0\u70b9\uff5c<\/p>\n<p>\u5efa\u8bae\u51fa\u53e3\u4f01\u4e1a\u9009\u62e9\u540c\u65f6\u652f\u6301\"\u9884\u7ed3\u6c47\"\u548c\"\u8d27\u7269\u63d0\u5355\u8054\u52a8\u653e\u6b3e\"\u529f\u80fd\u7684\u7efc\u5408\u65b9\u6848\uff0c\u5982ICICI Bank\u7684ExportPlus\u8d26\u6237\u914d\u5408\u7b2c\u4e09\u65b9\u652f\u4ed8API\u4f7f\u7528\uff0c\u53ef\u5b9e\u73b0\u8d44\u91d1\u5229\u7528\u7387\u63d0\u534740%\u4ee5\u4e0a\u3002\u65b0\u7528\u6237\u5e94\u6ce8\u610f\u5b8c\u6210KYC\u6240\u9700\u7684\u516c\u53f8\u8463\u4e8b\u62a4\u7167\u516c\u8bc1\u53caMSME\u6ce8\u518c\u5907\u6848\uff08\u5982\u9700\u4eab\u53d7\u8865\u8d34\u8d39\u7387\uff09\u3002<\/p>\n<p>\u4ee5\u4e0b\u662f\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\u7684\u8fdb\u9636\u7b56\u7565\u4e0e\u5b9e\u64cd\u6307\u5357\uff0c\u5206\u4e3a<strong>\u8d44\u91d1\u6548\u7387\u4f18\u5316<\/strong>\u3001<strong>\u7a0e\u52a1\u5408\u89c4\u589e\u5f3a<\/strong>\u548c<strong>\u751f\u6001\u6574\u5408\u65b9\u6848<\/strong>\u4e09\u4e2a\u7ef4\u5ea6\u5c55\u5f00\uff1a<\/p>\n<hr>\n<h3><strong>\u4e00\u3001\u8d44\u91d1\u6548\u7387\u6df1\u5ea6\u4f18\u5316\u65b9\u6848<\/strong><\/h3>\n<h4>1. <strong>\u52a8\u6001\u8def\u7531\u6280\u672f\u5e94\u7528<\/strong><\/h4>\n<ul>\n<li><strong>\u667a\u80fd\u5206\u8d26\u7cfb\u7edf<\/strong>\uff1a\u901a\u8fc7\u7b97\u6cd5\u81ea\u52a8\u5206\u914d\u6536\u6b3e\u8def\u5f84\n<pre><code class=\"language-python\"># \u4f2a\u4ee3\u7801\u793a\u4f8b\uff1a\u57fa\u4e8e\u91d1\u989d\/\u65f6\u6548\u7684\u667a\u80fd\u8def\u7531<br>\r\ndef payment_router(amount, buyer_type):<br>\r\n    if amount &gt; 200000 and buyer_type == 'B2B':<br>\r\n        return 'SWIFT+\u4fe1\u7528\u8bc1'<br>\r\n    elif amount &lt; 50000:<br>\r\n        return 'UPI\u5373\u65f6\u7ed3\u7b97'<br>\r\n    else:<br>\r\n        return 'NEFT+T+1\u6e05\u7b97'<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\u5b9e\u9645\u6548\u679c\u5bf9\u6bd4\u8868<\/strong>\uff1a<br \/>\n\u2502\u4ea4\u6613\u89c4\u6a21\u3000\u2502\u4f20\u7edf\u65b9\u5f0f\u6210\u672c\u2502\u667a\u80fd\u8def\u7531\u6210\u672c\u2502\u8282\u7701\u5e45\u5ea6\u2502<br \/>\n\u251c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2524<br \/>\n\u2502&lt;<x-equation>5k\u3000 \u2502<\/x-equation>35\u3000\u3000\u3000\u2502<x-equation>1.2\u3000\u3000 \u250296%\u3000 \u2502 \u2502<\/x-equation>5-50k \u25020.8%+$20\u3000\u25020.3%\u3000\u3000\u3000\u250262%\u3000 \u2502<\/li>\n<\/ul>\n<h4>2. <strong>\u4f9b\u5e94\u94fe\u91d1\u878d\u8054\u52a8<\/strong><\/h4>\n<ul>\n<li><strong>\u63d0\u5355\u878d\u8d44\u52a0\u901f\u5668<\/strong>\uff1a\u901a\u8fc7PayLater\u7b49\u5de5\u5177\u5b9e\u73b0\"\u8d27\u5230\u4ed8\u6b3e\u2192\u89c1\u5355\u5373\u4ed8\"\u8f6c\u53d8<br \/>\n\uff08\u9700\u4e0eKotak Mahindra Bank\u7b49\u5408\u4f5c\uff0c\u5e74\u5316\u5229\u7387\u7ea68%-12%\uff0c\u4f4e\u4e8e\u56fd\u9645\u4fdd\u7406\uff09<\/li>\n<\/ul>\n<hr>\n<h3><strong>\u4e8c\u3001\u7a0e\u52a1\u5408\u89c4\u589e\u5f3a\u63aa\u65bd<\/strong><\/h3>\n<h4>1. GST\u9006\u5411\u5f81\u6536\u81ea\u52a8\u5316\u5904\u7406\u6d41\u7a0b<\/h4>\n<pre><code class=\"language-mermaid\">graph LR<br>\r\nA[\u4e70\u5bb6\u652f\u4ed8] --&gt; B{\u91d1\u989d&gt;10\u4e07\u5362\u6bd4?}<br>\r\nB --&gt;|Yes| C[\u81ea\u52a8\u6263\u966418% IGST]<br>\r\nB --&gt;|No| D[\u6807\u8bb0\u4e3aRCM\u9002\u7528\u4ea4\u6613]<br>\r\nC &amp; D --&gt; E[\u751f\u6210GSTR-1\/3B\u62a5\u544a]<br>\r\n<\/code><\/pre>\n<h4>2. <strong>\u5173\u952e\u6587\u6863\u5907\u6848\u6e05\u5355<\/strong><\/h4>\n<ul>\n<li>IEC\u8bc1\u4e66\uff08Import Export Code\uff09<\/li>\n<li>LUT\uff08Letter of Undertaking\uff09\u514d\u7a0e\u7533\u8bf7<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u4e3a\u51fa\u53e3\u578b\u4f01\u4e1a\u63d0\u4f9b\u4e86\u9ad8\u6548\u3001\u4f4e\u6210\u672c\u7684\u8de8\u5883\u6536\u6b3e\u89e3\u51b3\u65b9\u6848\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":[6],"tags":[],"class_list":["post-2494","post","type-post","status-publish","format-standard","hentry","category-6"],"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\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\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\/10\/\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5982\u4f55\u8d4b\u80fd\u51fa\u53e3\u578b\u4f01\u4e1a\uff1f\" \/>\n<meta property=\"og:description\" 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