{"id":2733,"date":"2025-05-16T18:43:02","date_gmt":"2025-05-16T10:43:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2733"},"modified":"2025-05-16T18:43:02","modified_gmt":"2025-05-16T10:43:02","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%92%8cpaypal%e7%9a%84%e6%9c%80%e5%a4%a7%e5%8c%ba%e5%88%ab%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/16\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e5%92%8cpaypal%e7%9a%84%e6%9c%80%e5%a4%a7%e5%8c%ba%e5%88%ab%e6%98%af%e4%bb%80%e4%b9%88%ef%bc%9f\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts293.mm.bing.net\/th?q=phonepe292\" alt=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\uff1f\" title=\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\uff1f\"><\/p>\n<p>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0ePayPal\u7684\u6838\u5fc3\u533a\u522b\u4e3b\u8981\u4f53\u73b0\u5728\u4ee5\u4e0b\u65b9\u9762\uff0c\u8fd9\u4e9b\u5dee\u5f02\u53cd\u6620\u4e86\u672c\u5730\u5316\u751f\u6001\u4e0e\u56fd\u9645\u5e73\u53f0\u7684\u672c\u8d28\u4e0d\u540c\uff1a<\/p>\n<ol>\n<li><strong>\u76d1\u7ba1\u67b6\u6784\u4e0e\u5408\u89c4\u8981\u6c42<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\uff08\u5982UPI\u7cfbPaytm\/PhonePe\uff09\u9700\u9075\u5faaNPCI\uff08\u56fd\u5bb6\u652f\u4ed8\u516c\u53f8\uff09\u7684\u5b9e\u65f6\u7ed3\u7b97\u534f\u8bae\u548c\u53cc\u91cd\u8ba4\u8bc1\u6807\u51c6\uff0c\u5f3a\u5236\u6267\u884c\u6570\u636e\u672c\u5730\u5316\u5b58\u50a8<\/li>\n<li>PayPal\u4f5c\u4e3a\u56fd\u9645\u5e73\u53f0\u4e3b\u8981\u9075\u5b88FATF\u53cd\u6d17\u94b1\u6846\u67b6\uff0c\u8de8\u5883\u4ea4\u6613\u9700\u989d\u5916\u63d0\u4ea4RFC\u7a0e\u52a1\u58f0\u660e<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u6280\u672f\u5b9e\u73b0\u5c42<\/strong><\/li>\n<\/ol>\n<ul>\n<li>UPI\u91c7\u7528\u5206\u5c42\u4e8c\u7ef4\u7801\u6807\u51c6\uff08Bharat QR\uff09\u652f\u6301\u5373\u65f6\u94f6\u884c\u8d26\u6237\u7a7f\u900f\uff0c\u7ed3\u7b97\u5ef6\u8fdf&lt;2\u79d2<\/li>\n<li>PayPal\u4f9d\u8d56\u5361\u7ec4\u7ec7\u7f51\u7edc\uff08Visa\/Mastercard\u6e05\u7b97\u901a\u9053\uff09\uff0c\u901a\u5e38\u5b58\u5728T+3\u65e5\u7684\u8d44\u91d1\u51bb\u7ed3\u671f<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\n<p><strong>\u624b\u7eed\u8d39\u7ed3\u6784\u5bf9\u6bd4<\/strong><br \/>\n| \u573a\u666f | \u5370\u5ea6\u672c\u571f\u652f\u4ed8 | PayPal |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| P2P\u8f6c\u8d26 | 0\u8d39\u7528(\u653f\u5e9c\u8865\u8d34) | 4.4%+\u56fa\u5b9a\u8d39\u7528 |<br \/>\n| \u5546\u6237\u6536\u6b3e | 0.3%-1%(\u5c01\u9876\u20b95) | 2.9%+$0.30 |<br \/>\n| \u8de8\u5883\u6c47\u6b3e | IMPS\u8d39\u73870.1% | FX\u6ea2\u4ef74%\u8d77 |<\/p>\n<\/li>\n<li>\n<p><strong>\u7528\u6237\u9a8c\u8bc1\u6d41\u7a0b<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Aadhaar\u751f\u7269\u8bc6\u522b(eKYC)\u4f7f\u5370\u5ea6\u8d26\u6237\u5f00\u901a\u4ec5\u970090\u79d2<\/li>\n<li>PayPal\u8981\u6c42SWIFT\u4ee3\u7801\u9a8c\u8bc1\u5bfc\u81f4\u5e73\u5747\u6fc0\u6d3b\u65f6\u95f4\u8fbe48\u5c0f\u65f6<\/li>\n<\/ul>\n<p>5.<strong>\u5931\u8d25\u4ea4\u6613\u5904\u7406\u673a\u5236<\/strong><\/p>\n<ul>\n<li>UPI\u901a\u8fc7MANDATE API\u81ea\u52a8\u53d1\u8d77\u8865\u507f\u6d41\u7a0b<\/li>\n<li>PayPal\u4e89\u8bae\u89e3\u51b3\u4f9d\u8d56\u4eba\u5de5\u5ba1\u6838\u5468\u671f(\u5e73\u574714\u5de5\u4f5c\u65e5)<\/li>\n<\/ul>\n<p>6.<strong>\u7279\u6b8a\u573a\u666f\u652f\u6301<\/strong>\uff1a<br \/>\n\u2022 Bharat BillPay\u6574\u5408\u4e8615,000\u79cd\u516c\u7528\u4e8b\u4e1a\u7f34\u8d39\u7c7b\u522b<br \/>\n\u2022 PayPal\u4e3b\u8981\u9002\u914d\u8de8\u5883\u7535\u5546\u9000\u6b3e\u4fdd\u62a4\u7b49\u573a\u666f<\/p>\n<p>\u8fd9\u4e9b\u8bbe\u8ba1\u5dee\u5f02\u5bfc\u81f4\uff1a\u5f53\u5904\u7406\u20b910,000\u4ee5\u4e0b\u7684\u672c\u5730\u4ea4\u6613\u65f6\uff0cUPI\u6e20\u9053\u6210\u672c\u6bd4PayPal\u4f4e98%\uff0c\u4f46\u8fdb\u884c\u8de8\u56fd\u6280\u672f\u670d\u52a1\u4ed8\u6b3e\u65f6\uff0cPayPal\u7684chargeback\u4fdd\u62a4\u673a\u5236\u66f4\u5177\u4f18\u52bf\u3002<\/p>\n<p>\u597d\u7684\uff0c\u6211\u4eec\u7ee7\u7eed\u6df1\u5165\u63a2\u8ba8\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0ePayPal\u5728\u5176\u4ed6\u5173\u952e\u7ef4\u5ea6\u7684\u5dee\u5f02\uff1a<\/p>\n<hr>\n<h3><strong>7. \u751f\u6001\u7cfb\u7edf\u6574\u5408\u6df1\u5ea6<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0<\/strong><\/p>\n<ul>\n<li>\u6df1\u5ea6\u5d4c\u5165\u672c\u5730\u751f\u6d3b\u573a\u666f\uff1a\u652f\u6301\u81ea\u52a8\u67dc\u5458\u673a\u73b0\u91d1\u5145\u503c\uff08\u5982Paytm Postpaid\uff09\u3001\u7ebf\u4e0bkirana\u5546\u5e97\u626b\u7801\u4ed8\u3001\u516c\u4ea4\u8f66\u7968NFC\u652f\u4ed8\u7b49<\/li>\n<li>\u653f\u5e9c\u670d\u52a1\u76f4\u8fde\uff1a\u53ef\u7f34\u7eb3GST\u7a0e\u6b3e\u3001\u67e5\u8be2EPFO\u517b\u8001\u91d1\u3001\u652f\u4ed8\u9ad8\u901f\u516c\u8def\u901a\u884c\u8d39\uff08FASTag\uff09<\/li>\n<li>O2O\u95ed\u73af\uff1aSwiggy\/Zomato\u7b49\u5916\u5356\u5e73\u53f0\u9ed8\u8ba4\u7ed1\u5b9aUPI\uff0c\u5b8c\u6210\u7387\u6bd4\u5361\u652f\u4ed8\u9ad837%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PayPal<\/strong><\/p>\n<ul>\n<li>\u805a\u7126\u5168\u7403\u7535\u5546\u573a\u666f\uff1a\u4e0eShopify\/WooCommerce\u6709\u539f\u751f\u63d2\u4ef6\u96c6\u6210<\/li>\n<li>SaaS\u670d\u52a1\u8ba2\u9605\u4f18\u52bf\uff1a\u652f\u6301Stripe\u7c7b\u4f01\u4e1a\u7684\u9012\u5f52\u8ba1\u8d39\uff08recurring billing\uff09API<\/li>\n<li>Adobe\/Spotify\u7b49\u56fd\u9645\u5546\u6237\u7684\"\u7528PayPal\u767b\u5f55\"\u964d\u4f4e\u5f03\u5355\u7387<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. API\u6280\u672f\u6808\u5bf9\u6bd4<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th><strong>\u80fd\u529b\u9879<\/strong><\/th>\n<th>UPI\u751f\u6001(\u5982Razorpay)<\/th>\n<th>PayPal Braintree<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>SDK\u4f53\u79ef<\/td>\n<td>&lt;1MB (\u4f18\u5316\u4e3a2G\u7f51\u7edc\u73af\u5883)<\/td>\n<td>&gt;3MB (\u542bPCI DSS\u5408\u89c4\u7ec4\u4ef6)<\/td>\n<\/tr>\n<tr>\n<td>Auth\u6d41\u7a0b<\/td>\n<td>Aadhaar OTP + App\u6307\u7eb9\u9a8c\u8bc1<\/td>\n<td>SCA\u5f3a\u8ba4\u8bc1(PSD2\u8981\u6c42)<\/td>\n<\/tr>\n<tr>\n<td>Webhook\u5ef6\u8fdf<\/td>\n<td>&lt;800ms (NPCI\u670d\u52a1\u5668\u4f4d\u4e8e\u5b5f\u4e70\u96c6\u7fa4)<\/td>\n<td>~3\u79d2(\u8de8\u5927\u897f\u6d0b\u8def\u7531)<\/td>\n<\/tr>\n<tr>\n<td>QR\u7801\u52a8\u6001\u66f4\u65b0<\/td>\n<td>TOTP\u7b97\u6cd5\u6bcf30\u79d2\u5237\u65b0<\/td>\n<td>Static QR\u9700\u624b\u52a8\u66ff\u6362<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr>\n<h3><strong>9.\u8d44\u91d1\u6d41\u52a8\u6027\u9650\u5236<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\u5370\u5ea6\u76d1\u7ba1\u7279\u6b8a\u8981\u6c42<\/strong>\uff1a<\/p>\n<ul>\n<li>PPI\u94b1\u5305\u4f59\u989d\u4e0a\u9650\u20b9200,000\uff08\u9700\u5b8c\u6574KYC\uff09<\/li>\n<\/ul>\n<ul>\n<li>UPI\u5355\u7b14\u4ea4\u6613\u9650\u989d\u20b9100,000\uff08\u5bf9\u6559\u80b2\/\u533b\u7597\u653e\u5bbd\u81f3\u20b9500,000\uff09<\/li>\n<li>NEFT\u6e05\u7b97\u7a97\u53e3\u6bcf\u65e518:00\u5173\u95ed<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>PayPal\u56fd\u9645\u89c4\u5219<\/strong>\uff1a<br \/>\n*\u65b0\u8d26\u623721\u5929\u63d0\u73b0\u51bb\u7ed3\u671f\uff08\u9632\u6b3a\u8bc8\uff09<br \/>\n*\u4e2d\u56fd\u533a\u8d26\u6237\u65e0\u6cd5\u63a5\u6536\u5546\u4e1a\u4ed8\u6b3e<br \/>\n*\u4fc4\u7f57\u65af\u53d7OFAC\u5236\u88c1\u65e0\u6cd5\u4f7f\u7528<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>10.\u66ff\u4ee3\u65b9\u6848\u7ade\u4e89\u683c\u5c40<\/strong><\/h3>\n<p>\u5f53\u7528\u6237\u9700\u8981\uff1a<\/p>\n<ul>\n<li>\u25b6\ufe0f\u8de8\u5883\u81ea\u7531\u804c\u4e1a\u8005\u6536\u6b3e\uff1a\u8003\u8651Wise\/Payoneer\u8d39\u7387\u6bd4PayPal\u4f4e60%<\/li>\n<li>\u25b6\ufe0f\u8d85\u5c0f\u989d\u8f6c\u8d26\uff1aMobiKwik\u7684\u20b91\u5fae\u652f\u4ed8\u66f4\u7ecf\u6d4e<\/li>\n<li>\u25b6\ufe0fB2B\u8d38\u6613\uff1aHSBC India\u7684\u8de8\u5883LC\u6bd4PP\u53d1\u7968\u66f4\u5b89\u5168<\/li>\n<li>\u25b6\ufe0f\u52a0\u5bc6\u8d27\u5e01\u7ed3\u7b97: Binance P2P\u5728\u5370\u5ea6\u7684\u6e17\u900f\u7387\u5df2\u8d85PP<\/li>\n<\/ul>\n<hr>\n<p>\u8fd9\u4e9b\u5dee\u5f02\u672c\u8d28\u4e0a\u53cd\u6620\u4e86\u4e24\u8005\u5728\u8bbe\u8ba1\u54f2\u5b66\u4e0a\u7684\u6839\u672c\u5206\u6b67\u2014\u2014\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u662f\u300c\u666e\u60e0\u91d1\u878d\u57fa\u7840\u8bbe\u65bd\u300d\uff0c\u800cPayPal\u662f\u300c\u5168\u7403\u5316\u8d44\u672c\u7ba1\u9053\u300d\u3002\u5b9e\u9645\u9009\u62e9\u65f6\u9700\u8bc4\u4f30\uff1a<\/p>\n<pre><code class=\"language-python\">def payment_selector(amount, is_cross_border, is_merchant):<br>\r\n    if amount &lt;500 and not is_cross_border:<br>\r\n        return \"UPI\"<br>\r\n    elif is_merchant and \"digital_goods\" in categories:<br>\r\n        return \"PayPal\"<br>\r\n    else:<br>\r\n        return evaluate_fx_fees() #\u9700\u8981\u8ba1\u7b97\u5916\u6c47\u6210\u672c<br>\r\n<\/code><\/pre>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u4e0ePayPal\u7684\u6838\u5fc3\u533a\u522b\u4e3b\u8981\u4f53\u73b0\u5728\u4ee5\u4e0b\u65b9\u9762\uff0c\u8fd9\u4e9b\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-2733","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) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\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\/16\/\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u548cpaypal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\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\u7cfb\u7edf\u548cPayPal\u7684\u6700\u5927\u533a\u522b\u662f\u4ec0\u4e48\uff1f\" \/>\n<meta property=\"og:description\" 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