{"id":2742,"date":"2025-05-16T18:53:24","date_gmt":"2025-05-16T10:53:24","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2742"},"modified":"2025-05-16T18:53:24","modified_gmt":"2025-05-16T10:53:24","slug":"%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/16\/%e5%a6%82%e4%bd%95%e6%8f%90%e5%8d%87%e5%8d%b0%e5%b0%bc%e5%b8%82%e5%9c%ba%e7%9a%84%e6%94%af%e4%bb%98%e4%bd%93%e9%aa%8c%e4%b8%8e%e7%95%99%e5%ad%98%ef%bc%9f\/","title":{"rendered":"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f"},"content":{"rendered":"<p>\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\u9700\u8981\u9488\u5bf9\u5f53\u5730\u72ec\u7279\u7684\u91d1\u878d\u73af\u5883\u3001\u7528\u6237\u4e60\u60ef\u548c\u76d1\u7ba1\u653f\u7b56\u8fdb\u884c\u4f18\u5316\u3002\u4ee5\u4e0b\u662f\u5173\u952e\u7b56\u7565\uff1a<\/p>\n<h3>\u4e00\u3001\u672c\u5730\u5316\u652f\u4ed8\u65b9\u5f0f\u6574\u5408<\/h3>\n<ol>\n<li><strong>\u4e3b\u6d41\u7535\u5b50\u94b1\u5305\u5168\u8986\u76d6<\/strong>\uff1a\u652f\u6301GoPay\u3001OVO\u3001DANA\u7b49\uff08\u5360\u5370\u5c3c\u6570\u5b57\u4ea4\u661360%\u4ee5\u4e0a\uff09\uff0c\u786e\u4fddAPI\u6df1\u5ea6\u96c6\u6210\uff0c\u51cf\u5c11\u8df3\u8f6c\u6d41\u5931\u3002<\/li>\n<li><strong>\u94f6\u884c\u8f6c\u8d26\u4f18\u5316<\/strong>\uff1aMandiri\/SHOPE Pay\u7b49\u865a\u62df\u8d26\u6237\u9700\u5b9e\u73b0\u81ea\u52a8\u901a\u77e5\u6838\u9500\uff0c\u5c06\u4f20\u7edf3\u5c0f\u65f6\u5230\u8d26\u7f29\u77ed\u81f3\u5b9e\u65f6\u786e\u8ba4\u3002<\/li>\n<li><strong>\u4fbf\u5229\u5e97\u73b0\u91d1\u652f\u4ed8<\/strong>\uff1a\u4e0eAlfamart\/Indomaret\u5408\u4f5c\u751f\u6210\u6761\u5f62\u7801\u652f\u4ed8\uff0c\u89e3\u51b3\u65e0\u94f6\u884c\u5361\u7528\u6237\uff08\u5360\u4eba\u53e335%\uff09\u7684\u75db\u70b9\u3002<\/li>\n<\/ol>\n<h3>\u4e8c\u3001\u6280\u672f\u5c42\u4f53\u9a8c\u5347\u7ea7<\/h3>\n<ol>\n<li><strong>\u667a\u80fd\u8def\u7531\u964d\u672c\u589e\u6548<\/strong>\uff1a\n<ul>\n<li>\u6839\u636e\u4ea4\u6613\u91d1\u989d\u52a8\u6001\u9009\u62e9\u901a\u9053\uff08\u5c0f\u989d\u8d70\u7535\u5b50\u94b1\u5305\u8d39\u73870.5%\uff0c\u5927\u989d\u8d70\u94f6\u884c\u8f6c\u8d26\u8d39\u73870.3%\uff09<\/li>\n<li>\u5931\u8d25\u4ea4\u6613\u81ea\u52a8\u5207\u6362\u5907\u7528\u901a\u9053\u5e76\u4fdd\u7559\u539f\u8ba2\u5355\u53f7<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u53cd\u6b3a\u8bc8\u5e73\u8861\u7b56\u7565<\/strong>\uff1a\n<ul>\n<li>\u5bf9&lt;50\u7f8e\u5143\u4ea4\u6613\u514dOTP\u9a8c\u8bc1\uff08\u8f6c\u5316\u7387\u63d0\u534722%\uff09<\/li>\n<li>\u91c7\u7528\u751f\u7269\u8bc6\u522b\u66ff\u4ee3\u77ed\u4fe1\u9a8c\u8bc1\uff08\u5370\u5c3c\u667a\u80fd\u624b\u673a\u666e\u53ca\u7387\u8fbe73%\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\u4e09\u3001\u7528\u6237\u6fc0\u52b1\u4f53\u7cfb\u8bbe\u8ba1<\/h3>\n<ol>\n<li>\n<p><strong>\u5206\u5c42\u8865\u8d34\u673a\u5236<\/strong>\uff1a<br \/>\n| \u7528\u6237\u7c7b\u578b | \u9996\u5355\u6fc0\u52b1 | \u590d\u8d2d\u5956\u52b1 | VIP\u7279\u6743 |<br \/>\n|&#8212;|&#8212;|&#8212;|&#8212;|<br \/>\n|\u65b0\u7528\u6237|\u6ee120k\u51cf5k|\u6b21\u5355\u8fd4\u73b03%|N\/A|<br \/>\n|\u4f4e\u9891\u7528\u6237|\u63a8\u9001\u9650\u65f6\u514d\u90ae\u5238|\u8fde\u7eed3\u7b14\u9001\u7535\u5b50\u4ee3\u91d1\u5238|N\/A|<br \/>\n|\u9ad8\u9891\u7528\u6237|N\/A|\u6bcf\u67088\u53f7\u53cc\u500d\u79ef\u5206|\u4e13\u5c5e\u5ba2\u670d|<\/p>\n<\/li>\n<li>\n<p><strong>\u793e\u4ea4\u88c2\u53d8\u73a9\u6cd5<\/strong>\uff1a<br \/>\n\u5f00\u53d1\"\u9080\u8bf7\u597d\u53cb\u5145\u503c\u5404\u5f9710k\u76fe\"\u529f\u80fd\uff0c\u7ed3\u5408WhatsApp\u5206\u4eab\u6309\u94ae\uff08\u5370\u5c3cWA\u4f7f\u7528\u738798%\uff09<\/p>\n<\/li>\n<\/ol>\n<h3>\u56db\u3001\u5408\u89c4\u4e0e\u98ce\u63a7\u5f3a\u5316<\/h3>\n<ol>\n<li><strong>BPJ\u8ba4\u8bc1\u9884\u5904\u7406<\/strong>\uff1a<br \/>\n\u5728KYC\u73af\u8282\u9884\u6821\u9a8c\u7eb3\u7a0e\u4eba\u7f16\u53f7\uff0c\u907f\u514d\u5927\u989d\u4ea4\u6613\u62e6\u622a\uff08\u8d85\u8fc7200\u4e07\u76fe\u9700\u62a5\u5907\uff09<br \/>\n2.<strong>\u591a\u8bed\u8a00\u5ba2\u670d\u8986\u76d6<\/strong><\/li>\n<\/ol>\n<ul>\n<li>Sundanese\/Javanese\u8bed\u79cd\u652f\u6301\u53ef\u964d\u4f4e15%\u6295\u8bc9\u7387<\/li>\n<\/ul>\n<p>\u4e94\uff0e\u6570\u636e\u9a71\u52a8\u7684\u8fed\u4ee3\u673a\u5236<br \/>\n\u5efa\u7acb\u5b9e\u65f6\u76d1\u63a7\u770b\u677f\u8ddf\u8e2a\u6838\u5fc3\u6307\u6807:<\/p>\n<ul>\n<li>Failed payment recovery rate (\u884c\u4e1a\u6807\u6746:&gt;45%)<\/li>\n<li>Cash-to-digital conversion rate (\u9886\u5148\u5e73\u53f0\u8fbe28%)<\/li>\n<\/ul>\n<p>\u5178\u578b\u6848\u4f8b\uff1a\u67d0\u8de8\u5883\u7535\u5546\u63a5\u5165DOKU\u805a\u5408\u7f51\u5173\u540e:<\/p>\n<ul>\n<li>COD\u8f6c\u5316\u7387\u4ece19%\u219234%<br \/>\n-30\u5929\u590d\u8d2d\u7387\u63d0\u534741%<\/li>\n<\/ul>\n<p>\u9700\u8981\u7279\u522b\u6ce8\u610f\uff1a2024\u5e74Q2\u8d77BI\u5c06\u5b9e\u65bd\u65b0\u7684\u5916\u6c47\u7ed3\u7b97\u89c4\u5219\uff0c\u5efa\u8bae\u63d0\u524d\u5f00\u7acb\u672c\u5730\u8d44\u91d1\u6258\u7ba1\u8d26\u6237\u3002<\/p>\n<h3><strong>\u516d\u3001\u573a\u666f\u5316\u652f\u4ed8\u4f53\u9a8c\u4f18\u5316<\/strong><\/h3>\n<h4><strong>1. \u5206\u9636\u6bb5\u652f\u4ed8\uff08BNPL\uff09\u6e17\u900f<\/strong><\/h4>\n<ul>\n<li><strong>\u5408\u4f5c\u672c\u5730BNPL\u670d\u52a1\u5546\uff08\u5982Kredivo\u3001Akulaku\uff09<\/strong>\uff0c\u9488\u5bf9\u9ad8\u5ba2\u5355\u4ef7\u54c1\u7c7b\uff083C\u3001\u5bb6\u7535\uff09\u63d0\u4f9b0\u606f\u5206\u671f\uff0c\u53ef\u63d0\u5347\u5ba2\u5355\u4ef730%+<\/li>\n<li><strong>\u98ce\u63a7\u7b56\u7565\u8c03\u6574<\/strong>\uff1a\u5bf9\u9996\u6b21\u4f7f\u7528BNPL\u7528\u6237\u9650\u5236\u989d\u5ea6\uff08\u2264200\u4e07\u5370\u5c3c\u76fe\uff09\uff0c\u590d\u8d2d\u826f\u597d\u518d\u9010\u6b65\u63d0\u989d<\/li>\n<\/ul>\n<h4><strong>2. \u793e\u4ea4\u7535\u5546\u5b9a\u5236\u65b9\u6848<\/strong><\/h4>\n<ul>\n<li><strong>TikTok Shop\/WhatsApp Commerce\u96c6\u6210<\/strong>\uff1a\u5f00\u53d1\"\u804a\u5929\u5185\u5feb\u6377\u652f\u4ed8\"\u529f\u80fd\uff0c\u51cf\u5c11\u8df3\u5931\u7387<\/li>\n<li><strong>\u56e2\u957f\u4f63\u91d1\u81ea\u52a8\u7ed3\u7b97<\/strong>\uff1a\u9488\u5bf9\u793e\u7fa4\u56e2\u8d2d\u6a21\u5f0f\uff0c\u5b9e\u73b0T+1\u81ea\u52a8\u5206\u8d26\u81f3\u7535\u5b50\u94b1\u5305<\/li>\n<\/ul>\n<h3><strong>\u4e03\u3001\u79bb\u7ebf\u573a\u666f\u8986\u76d6\u7b56\u7565<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u6e20\u9053<\/th>\n<th>\u89e3\u51b3\u65b9\u6848<\/th>\n<th>\u9002\u7528\u4eba\u7fa4<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Warung\u5c0f\u5e97<\/td>\n<td>\u4ee3\u7406\u5145\u503c\u70b9\uff08\u901a\u8fc7QRIS\u6536\u6b3e\uff09<\/td>\n<td>\u519c\u6751\u73b0\u91d1\u7528\u6237<\/td>\n<\/tr>\n<tr>\n<td>ATM\u7f51\u7edc<\/td>\n<td>BCA\/Mandiri ATM\u65e0\u5361\u5b58\u6b3e\u7801\u652f\u4ed8<\/td>\n<td>\u4e2d\u8001\u5e74\u7fa4\u4f53<\/td>\n<\/tr>\n<tr>\n<td>POS\u96f6\u552e\u7ec8\u7aef<\/td>\n<td>Indomaret\u626b\u7801\u4ee3\u4ed8+\u5c0f\u7968\u51ed\u8bc1\u95ed\u73af<\/td>\n<td>\u7ebf\u4e0b\u8d2d\u7269\u8f6c\u7ebf\u4e0a\u590d\u8d2d<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3><strong>\u516b\u3001\u6d41\u5931\u7528\u6237\u7cbe\u51c6\u53ec\u56de<\/strong><\/h3>\n<ol>\n<li><strong><em>\u667a\u80fd\u5206\u5c42\u89e6\u8fbe<\/em><\/strong>\uff1a\n<ul>\n<li>\"\u5f03\u5355\u7528\u6237\"\uff1a2\u5c0f\u65f6\u5185\u63a8\u9001GoPay\u73b0\u91d1\u5238\uff08\u8f6c\u5316\u7387\u63d0\u534718%\uff09<\/li>\n<li>\"\u6c89\u7761\u7528\u6237\"\uff1a\u6bcf\u6708\u9996\u5468\u53d1\u653e\u9650\u65f6\u514d\u8d39\u63d0\u73b0\u5238<\/li>\n<\/ul>\n<\/li>\n<li><strong><em>\u5b97\u6559\u8282\u65e5\u8425\u9500<\/em><\/strong>\uff1a<br \/>\n\u5f00\u658b\u8282\u524d\u63a8\u51fa\"Hari Raya Cashback\"\uff0c\u7ed1\u5b9a\u6d88\u8d39\u6ee1\u989d\u8d60\u793c\u76d2<\/li>\n<\/ol>\n<p>\u4e5d\uff0e\u94f6\u884c\u901a\u9053\u5197\u4f59\u5efa\u8bbe<br \/>\n\u5efa\u8bae\u91c7\u7528<em>\u53cc\u901a\u9053\u70ed\u5907\u65b9\u6848<\/em>\uff1a<\/p>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\nA[\u4ea4\u6613\u8bf7\u6c42] --&gt; B{\u91d1\u989d&lt;500k?}<br>\r\nB --&gt;|Yes| C[\u4f18\u5148\u8def\u7531\u81f3\u7535\u5b50\u94b1\u5305]<br>\r\nB --&gt;|No| D[\u8d70\u94f6\u884c\u76f4\u8fde\u901a\u9053]<br>\r\nC --&gt; E[\u5931\u8d25?] --&gt; F[\u81ea\u52a8\u5207\u6362DOKU\u5907\u7528\u7f51\u5173]<br>\r\nD --&gt; G[\u5931\u8d25?] --&gt; H[\u89e6\u53d1BCA\u4e13\u7ebffallback]<br>\r\n<\/code><\/pre>\n<p>\u5341\uff0e\u76d1\u7ba1\u6c99\u76d2\u6d4b\u8bd5\u51c6\u5907<br \/>\n2024\u5e74OJK\u5c06\u8bd5\u70b9<em>\u8de8\u5883\u4e8c\u7ef4\u7801\u4e92\u901a<\/em>,\u5efa\u8bae\u63d0\u524d\u5e03\u5c40:<\/p>\n<ol>\n<li>QRIS\u4e0eSGQR\/GPN\u7684\u517c\u5bb9\u6027\u6d4b\u8bd5<\/li>\n<li>GrabPay\u7b49\u533a\u57df\u94b1\u5305\u7684\u4e92\u8054\u4e92\u901a\u9884\u7814<\/li>\n<\/ol>\n<p><strong><em>\u5173\u952e\u6570\u636e\u76ee\u6807:<\/em><\/strong><\/p>\n<ul>\n<li>\u5c06\u5e73\u5747\u652f\u4ed8\u65f6\u957f\u4ece4.7\u5206\u949f\u538b\u7f29\u81f3&lt;90\u79d2<\/li>\n<li>COD\u62d2\u6536\u7387\u63a7\u5236\u57288%\u4ee5\u4e0b(\u5f53\u524d\u884c\u4e1a\u5e73\u574712%)<\/li>\n<\/ul>\n<p>\u4e0b\u4e00\u6b65\u53ef\u91cd\u70b9\u7a81\u7834<em>\u4f0a\u65af\u5170\u91d1\u878d\u5408\u89c4\u8ba4\u8bc1<\/em>(\u5982Sharia-compliant escrow)\uff0c\u4ee5\u83b7\u53d6\u4f20\u7edf\u7a46\u65af\u6797\u5546\u6237\u589e\u91cf\u5e02\u573a\u3002\u662f\u5426\u9700\u8981\u5c55\u5f00\u5177\u4f53\u67d0\u73af\u8282\u7684\u5b9e\u65bd\u65b9\u6848\uff1f<\/p>","protected":false},"excerpt":{"rendered":"<p>\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\u9700\u8981\u9488\u5bf9\u5f53\u5730\u72ec\u7279\u7684\u91d1\u878d\u73af\u5883\u3001\u7528\u6237\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":[39],"tags":[],"class_list":["post-2742","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>\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\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\/\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u63d0\u5347\u5370\u5c3c\u5e02\u573a\u7684\u652f\u4ed8\u4f53\u9a8c\u4e0e\u7559\u5b58\uff1f\" \/>\n<meta property=\"og:description\" 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