{"id":2542,"date":"2025-05-11T12:10:31","date_gmt":"2025-05-11T04:10:31","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2542"},"modified":"2025-05-11T12:10:31","modified_gmt":"2025-05-11T04:10:31","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%89%8b%e7%bb%ad%e8%b4%b9%e8%af%a6%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/11\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e6%89%8b%e7%bb%ad%e8%b4%b9%e8%af%a6%e8%a7%a3\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u624b\u7eed\u8d39\u8be6\u89e3"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts190.mm.bing.net\/th?q=phonepe189\" alt=\"\u5370\u5ea6\u652f\u4ed8\u624b\u7eed\u8d39\u8be6\u89e3\" title=\"\u5370\u5ea6\u652f\u4ed8\u624b\u7eed\u8d39\u8be6\u89e3\"><\/p>\n<p>\u4ee5\u4e0b\u662f\u5173\u4e8e\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u624b\u7eed\u8d39\u7684\u8be6\u7ec6\u89e3\u6790\uff0c\u6db5\u76d6\u4e3b\u6d41\u652f\u4ed8\u65b9\u5f0f\u3001\u8d39\u7387\u7ed3\u6784\u53ca\u5f71\u54cd\u56e0\u7d20\uff0c\u5e2e\u52a9\u60a8\u4f18\u5316\u4ea4\u6613\u6210\u672c\uff1a<\/p>\n<hr>\n<h3><strong>\u4e00\u3001\u4e3b\u6d41\u652f\u4ed8\u65b9\u5f0f\u53ca\u624b\u7eed\u8d39<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>UPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09<\/strong><\/p>\n<ul>\n<li><strong>\u8d39\u7387<\/strong>\uff1a\u4e2a\u4eba\u7528\u6237\u514d\u8d39\uff1b\u5546\u6237\u6536\u6b3e\u901a\u5e380.5%-1%\uff08\u5982PhonePe\/Google Pay\u5546\u6237\u670d\u52a1\uff09\u3002<\/li>\n<li><strong>\u7279\u70b9<\/strong>\uff1a\u5373\u65f6\u5230\u8d26\uff0c\u9002\u7528\u4e8e\u5c0f\u989d\u9ad8\u9891\u4ea4\u6613\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u501f\u8bb0\u5361\/\u4fe1\u7528\u5361\uff08Rupay\/Visa\/Mastercard\uff09<\/strong><\/p>\n<ul>\n<li><strong>\u56fd\u5185\u4ea4\u6613<\/strong>\uff1a0.4%-1% + GST\uff08Rupay\u5361\u6700\u4f4e\uff09\uff1b\u56fd\u9645\u5361\u53ef\u8fbe1.5%-3%\u3002<\/li>\n<li><strong>\u8de8\u5883\u4ea4\u6613<\/strong>\uff1a\u989d\u5916\u52a0\u6536\u5916\u6c47\u8f6c\u6362\u8d39\uff08\u7ea62-3%\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u94b1\u5305\u652f\u4ed8\uff08Paytm\/MobiKwik\uff09<\/strong><\/p>\n<ul>\n<li><strong>\u5145\u503c\u514d\u8d39<\/strong>\uff0c\u4f46\u5546\u6237\u63d0\u73b0\u8d39\u7387\u4e3a1-2%\uff08\u90e8\u5206\u5e73\u53f0\u6709\u6708\u9650\u989d\u514d\u624b\u7eed\u8d39\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u7f51\u94f6\u8f6c\u8d26\uff08NEFT\/RTGS\/IMPS\uff09<\/strong><\/p>\n<ul>\n<li>NEFT\/RTGS\uff1a\u94f6\u884c\u901a\u5e38\u6536\u8d395-25\u5362\u6bd4\/\u7b14\uff1bIMPS\u5c0f\u989d\u8f6c\u8d26\u53ef\u80fd\u514d\u8d39\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>BNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09 &amp; EMI\u5206\u671f<\/strong><\/p>\n<ul>\n<li>\u5546\u6237\u627f\u62c5\u624b\u7eed\u8d39\uff1a2-6%\uff08\u5206\u671f\u9650\u8d8a\u957f\u8d39\u7387\u8d8a\u9ad8\uff09\u3002<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3>\u4e8c\u3001\u5f71\u54cd\u624b\u7eed\u8d39\u7684\u5173\u952e\u56e0\u7d20<\/h3>\n<ol>\n<li><em>\u884c\u4e1a\u7c7b\u578b<\/em>\uff1a\u9ad8\u98ce\u9669\u884c\u4e1a\uff08\u5982\u8d4c\u535a\u3001\u6210\u4eba\u5185\u5bb9\uff09\u8d39\u7387\u66f4\u9ad8\u3002<\/li>\n<li><em>\u4ea4\u6613\u91d1\u989d<\/em>\uff1a\u5927\u989d\u4ea4\u6613\u53ef\u534f\u5546\u66f4\u4f4e\u8d39\u7387\u3002<br \/>\n3.<em>\u7ed3\u7b97\u5468\u671f<\/em>\uff1aT+1\u7ed3\u7b97\u6bd4\u5373\u65f6\u7ed3\u7b97\u8d39\u7528\u4f4e\u3002<\/li>\n<\/ol>\n<hr>\n<h3>\u4e09\u3001\u5982\u4f55\u964d\u4f4e\u624b\u7eed\u8d39\uff1f<\/h3>\n<p>\u2705 <em>\u8c08\u5224\u7b56\u7565<\/em> \uff1a\u6708\u6d41\u6c34\u8d85100\u4e07\u5362\u6bd4\u53ef\u5411\u652f\u4ed8\u7f51\u5173\u7533\u8bf7\u5b9a\u5236\u8d39\u7387\u3002<\/p>\n<p>\u9700\u8981\u66f4\u5177\u4f53\u7684\u67d0\u7c7b\u652f\u4ed8\u65b9\u5f0f\u5206\u6790\u6216\u5408\u89c4\u5efa\u8bae\uff1f\u8bf7\u8bf4\u660e\u60a8\u7684\u4e1a\u52a1\u573a\u666f\uff01<\/p>\n<h3><strong>\u56db\u3001\u5370\u5ea6\u652f\u4ed8\u624b\u7eed\u8d39\u6df1\u5ea6\u89e3\u6790\uff08\u7eed\uff09<\/strong><\/h3>\n<h4><strong>4. \u5546\u6237\u670d\u52a1\u63d0\u4f9b\u5546\uff08Payment Gateways &amp; Aggregators\uff09\u8d39\u7387\u5bf9\u6bd4<\/strong><\/h4>\n<p>\u5370\u5ea6\u4e3b\u6d41\u7684\u652f\u4ed8\u7f51\u5173\u548c\u805a\u5408\u5546\uff08\u5982Razorpay, PayU, CCAvenue, Instamojo\uff09\u7684\u6536\u8d39\u6a21\u5f0f\u901a\u5e38\u5305\u62ec\uff1a<\/p>\n<ul>\n<li><strong>\u4ea4\u6613\u624b\u7eed\u8d39<\/strong>\uff1a1.5%-3%\uff08\u4fe1\u7528\u5361\/\u56fd\u9645\u5361\u66f4\u9ad8\uff09\u3002<\/li>\n<li><strong>\u56fa\u5b9a\u8d39\u7528<\/strong>\uff1a\u6bcf\u7b142-5\u5362\u6bd4\uff08\u90e8\u5206\u5e73\u53f0\u514d\u6536\uff09\u3002<\/li>\n<li><strong>GST\u989d\u5916\u5f81\u6536<\/strong>\uff1a18%\u7684\u624b\u7eed\u8d39\u7a0e\u8d39\u3002<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>\u652f\u4ed8\u7f51\u5173<\/th>\n<th>\u56fd\u5185\u4ea4\u6613\u8d39\u7387<\/th>\n<th>\u56fd\u9645\u5361\u8d39\u7387<\/th>\n<th>AMC\uff08\u5e74\u8d39\/\u6708\u8d39\uff09<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Razorpay<\/td>\n<td>1.8% + \u20b93<\/td>\n<td>3% + \u20b93<\/td>\n<td>\u20b90 \u2013 \u20b910,000+\/\u5e74<\/td>\n<\/tr>\n<tr>\n<td>PayU<\/td>\n<td>2% + \u20b93<\/td>\n<td>3.5%<\/td>\n<td>\u20b90 \u2013 \u20b95,000\/\u5e74<\/td>\n<\/tr>\n<tr>\n<td>CCAvenue<\/td>\n<td>~2.5%<\/td>\n<td>~4%<\/td>\n<td>\u00a50 \u2013 \u00a515,000+\/\u5e74<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\ud83d\udca1 <em>\u63d0\u793a<\/em> \uff1a\u90e8\u5206\u5e73\u53f0\u63d0\u4f9b\u201c\u9636\u68af\u5f0f\u5b9a\u4ef7\u201d\uff0c\u4ea4\u6613\u91cf\u8d8a\u5927\uff0c\u8d39\u7387\u8d8a\u4f4e\u3002<\/p>\n<hr>\n<h4><strong>5. RBI\u5408\u89c4\u4e0e\u9690\u6027\u6210\u672c<\/strong><\/h4>\n<ol>\n<li><strong>\u6700\u4f4e\u4fdd\u8bc1\u91d1\u8981\u6c42<\/strong>\uff1a\u67d0\u4e9b\u94f6\u884c\/PG\u53ef\u80fd\u8981\u6c42\u5546\u6237\u5b58\u5165\u4fdd\u8bc1\u91d1\uff08\u5982\u20b950k-\u20b92Lakhs\uff09\u3002<br \/>\n2.<strong>TDR (Transaction Discount Rate)<\/strong> \uff1a\u82e5\u901a\u8fc7POS\u673a\u5237\u5361\uff0c\u6536\u5355\u884c\u53ef\u80fd\u6536\u53d6\u989d\u59160.1%-0.3%\u3002<br \/>\n3.<strong>\u5931\u8d25\u4ea4\u6613\u8d39\u7528<\/strong>\uff1a\u5373\u4f7f\u4ed8\u6b3e\u5931\u8d25\uff0c\u90e8\u5206\u7f51\u5173\u4ecd\u6536\u53d6\u20b92-\u20b910\/\u7b14\u3002<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u516d\u3001\u8de8\u5883\u652f\u4ed8\u624b\u7eed\u8d39<\/strong><\/h3>\n<p>\u5982\u679c\u60a8\u7684\u4e1a\u52a1\u6d89\u53ca\u56fd\u9645\u6536\u6b3e\uff08\u5982SaaS\u3001\u8de8\u5883\u7535\u5546\uff09\uff0c\u9700\u6ce8\u610f\uff1a<br \/>\n\u2705 <em>Stripe India<\/em> : \u6807\u51c6\u8d39\u7387<del>2.9% + INR30\/\u7b14\uff0c\u652f\u6301\u591a\u5e01\u79cd\u7ed3\u7b97\u4f46\u5916\u6c47\u8f6c\u6362\u52a0\u6536<\/del>1%\u3002<br \/>\n\u26a0\ufe0f <em>PayPal India<\/em> : \u9ad8\u81f34.4%+\u56fa\u5b9a\u8d39+\u8d27\u5e01\u8f6c\u6362\u5dee\u50f9(\u4e0d\u63a8\u8350\u5927\u989d\u4ea4\u6613)\u3002<\/p>\n<hr>\n<h3><strong>\u4e03\u30012024\u5e74\u8d8b\u52bf\u4e0e\u4f18\u5316\u5efa\u8bae<\/strong><\/h3>\n<p>\ud83d\udd39 <em>UPI Lite X<\/em> \uff08\u79bb\u7ebf\u5c0f\u989d\u652f\u4ed8\uff09\uff1a\u672a\u6765\u53ef\u80fd\u8fdb\u4e00\u6b65\u964d\u4f4e&lt;\u20b9200\u4ea4\u6613\u7684\u8d39\u7528\u3002<br \/>\n\ud83d\udd39 <em>CBDC\u8bd5\u70b9\u4f18\u60e0<\/em> \uff1a\u6570\u5b57\u5362\u6bd4(e-Rupee)\u63a8\u5e7f\u671f\u6216\u63d0\u4f9b\u96f6\u624b\u7eed\u8d39\u653f\u7b56\u3002<\/p>\n<p>\ud83d\udccc <em><strong>\u60a8\u7684\u4e0b\u4e00\u6b65\u884c\u52a8<\/strong><\/em>\uff1a<br \/>\n\ud83d\udc49\u5982\u9700\u5177\u4f53\u65b9\u6848\u4f18\u5316(\u4f8b\u5982\u7535\u5546vs\u8ba2\u9605\u5236)\uff0c\u8bf7\u544a\u77e5\u60a8\u7684\u884c\u4e1a\u548c\u6708\u6d41\u6c34\u89c4\u6a21\uff01<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4ee5\u4e0b\u662f\u5173\u4e8e\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u624b\u7eed\u8d39\u7684\u8be6\u7ec6\u89e3\u6790\uff0c\u6db5\u76d6\u4e3b\u6d41\u652f\u4ed8\u65b9\u5f0f\u3001\u8d39\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":[38],"tags":[],"class_list":["post-2542","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.7) - 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