{"id":2939,"date":"2025-05-22T13:51:20","date_gmt":"2025-05-22T05:51:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2939"},"modified":"2025-05-22T13:51:20","modified_gmt":"2025-05-22T05:51:20","slug":"%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e9%80%89%e6%8b%a9%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/22\/%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e9%80%89%e6%8b%a9%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f\/","title":{"rendered":"\u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f"},"content":{"rendered":"

\"\u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\"<\/p>\n

\u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f<\/h1>\n

\u4e00\u3001\u4e86\u89e3\u5370\u5ea6\u652f\u4ed8\u5e02\u573a\u7279\u70b9<\/h2>\n

\u5370\u5ea6\u4f5c\u4e3a\u5168\u7403\u589e\u957f\u6700\u5feb\u7684\u6570\u5b57\u7ecf\u6d4e\u4f53\u4e4b\u4e00\uff0c\u5176\u652f\u4ed8\u751f\u6001\u7cfb\u7edf\u72ec\u5177\u7279\u8272\u3002\u9996\u5148\uff0cUPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09\u5df2\u6210\u4e3a\u4e3b\u6d41\uff0c2023\u5e74\u4ea4\u6613\u91cf\u7a81\u7834100\u4ebf\u7b14\u3002\u5176\u6b21\uff0c\u94b1\u5305\u652f\u4ed8\u5982Paytm\u3001PhonePe\u5360\u636e\u91cd\u8981\u4efd\u989d\u3002\u4fe1\u7528\u5361\/\u501f\u8bb0\u5361\u666e\u53ca\u7387\u7ea65%\uff0c\u4f46\u9ad8\u7aef\u7528\u6237\u7fa4\u4f53\u4f7f\u7528\u9891\u7e41\u3002\u8d27\u5230\u4ed8\u6b3e(COD)\u4ecd\u5360\u7535\u5546\u4ea4\u661330%\u4ee5\u4e0a\u6bd4\u4f8b\u3002<\/p>\n

\u672c\u5730\u5316\u7a0b\u5ea6\u76f4\u63a5\u5f71\u54cd\u8f6c\u5316\u7387\u2014\u2014\u652f\u6301RuPay\u5361\u7684\u5e73\u53f0\u6bd4\u4ec5\u652f\u6301\u56fd\u9645\u5361\u7684\u9ad8\u51fa18%\u3002\u8bed\u8a00\u652f\u6301\u4e5f\u81f3\u5173\u91cd\u8981\uff0c\u63d0\u4f9b\u5370\u5730\u8bed\u7b49\u672c\u5730\u8bed\u8a00\u754c\u9762\u7684\u652f\u4ed8\u9875\u9762\u53ef\u964d\u4f4e15%\u7684\u5f03\u5355\u7387\u3002<\/p>\n

\u4e8c\u3001\u8bc4\u4f30\u5173\u952e\u9009\u62e9\u6807\u51c6<\/h2>\n

1. \u8986\u76d6\u7387\u4e0e\u517c\u5bb9\u6027<\/h3>\n

\u4f18\u5148\u8003\u5bdf\u662f\u5426\u652f\u6301UPI\u5168\u6e20\u9053\u63a5\u5165\uff08\u5305\u62ecGoogle Pay\u3001PhonePe\u7b49\u4e3b\u6d41\u5e94\u7528\uff09\u3002\u68c0\u67e5\u5bf9RuPay\u5361\u7684\u517c\u5bb9\u7a0b\u5ea6\u53ca\u5904\u7406\u6548\u7387\u3002\u786e\u8ba4\u662f\u5426\u8986\u76d6BHIM\u7b49\u653f\u5e9c\u63a8\u5e7f\u7684\u652f\u4ed8\u65b9\u5f0f\u3002<\/p>\n

2. \u8d39\u7387\u7ed3\u6784\u6bd4\u8f83<\/h3>\n

\u5178\u578b\u8d39\u7387\u533a\u95f4\uff1aUPI\u4ea4\u66130.3-0.8%\uff0c\u4fe1\u7528\u53611.5-3%\uff0c\u94b1\u53051-1.5%\u3002\u9700\u6ce8\u610f\u9690\u85cf\u8d39\u7528\uff1a\u8de8\u5883\u7ed3\u7b97\u8d39\uff08\u7ea60.5%\uff09\u3001\u9000\u6b3e\u624b\u7eed\u8d39\uff08\u6bcf\u7b1410-30\u5362\u6bd4\uff09\u3001\u6708\u5ea6\u6700\u4f4e\u6536\u8d39\uff08\u5e38\u89c1500-2000\u5362\u6bd4\uff09\u3002<\/p>\n

3. \u6280\u672f\u96c6\u6210\u590d\u6742\u5ea6<\/h3>\n

\u4e3b\u6d41\u7f51\u5173\u63d0\u4f9bAPI\u6587\u6863\u9f50\u5168\u5ea6\u8bc4\u5206\uff1aRazorpay(9\/10)\uff0cCCAvenue(7\/10)\u3002\u5e73\u5747\u96c6\u6210\u5468\u671f\uff1a\u57fa\u7840\u529f\u80fd7\u4e2a\u5de5\u4f5c\u65e5\uff0c\u9ad8\u7ea7\u98ce\u63a7\u6a21\u5757\u9700\u989d\u59162\u5468\u3002<\/p>\n

4.\u5408\u89c4\u8ba4\u8bc1\u7b49\u7ea7<\/h3>\n

\u5fc5\u987b\u6301\u6709PCI DSS Level1\u8ba4\u8bc1\u3002\u67e5\u770b\u662f\u5426\u6709RBI\u9881\u53d1\u7684PA\/PG\u724c\u7167\u3002GDPR\u5408\u89c4\u6027\u5f71\u54cd\u6b27\u76df\u7528\u6237\u6570\u636e\u5904\u7406\u80fd\u529b\u3002<\/p>\n

\u4e09\u3001\u4e3b\u6d41\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4\u5206\u6790<\/p>\n\n\n\n\n\n\n\n
\u670d\u52a1\u5546<\/strong><\/th>\n\u4f18\u52bf<\/strong><\/th>\n\u5c40\u9650\u6027<\/strong><\/th>\n\u9002\u7528\u573a\u666f<\/strong><\/th>\n<\/tr>\n<\/thead>\n
Razorpay<\/td>\nAPI\u54cd\u5e94\u65f6\u95f4<300ms,\u6210\u529f\u7387\u8fbe98%+<\/td>\n\u8de8\u5883\u4e1a\u52a1\u652f\u6301\u5f31<\/td>\n<50\u4e07\u5362\u6bd4\/\u6708\u4e2d\u5c0f\u5546\u6237<\/td>\n<\/tr>\n
CCAvenue<\/td>\n\u652f\u630117\u79cd\u8d27\u5e01\u7ed3\u7b97,\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u5b8c\u5584<\/td>\n\u754c\u9762\u8bbe\u8ba1\u9648\u65e7<\/td>\n\u8de8\u5883\u7535\u5546\u53ca\u5927\u989d\u4ea4\u6613<\/td>\n<\/tr>\n
PayU<\/td>\nCOD\u7ba1\u7406\u5de5\u5177\u5f3a\u5927,\u9000\u8d27\u7387\u964d\u4f4e12%<\/td>\n\u9ad8COD\u6bd4\u4f8b\u5e73\u53f0<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u65b0\u5174\u9009\u9879\u503c\u5f97\u5173\u6ce8\uff1a<\/p>\n

    \n
  • JusPay\u4e13\u653b\u79fb\u52a8\u7aef\u4f18\u5316\uff0cAPP\u5185\u652f\u4ed8\u6210\u529f\u7387\u63d0\u534722%<\/li>\n
  • Pine Labs\u7ebf\u4e0bPOS\u8054\u52a8\u65b9\u6848\u9002\u5408O2O\u4e1a\u52a1<\/li>\n<\/ul>\n

    \u56db\u3001\u98ce\u9669\u7ba1\u7406\u7b56\u7565\u5efa\u8bae<\/p>\n

    \u5efa\u7acb\u5206\u5c42\u9a8c\u8bc1\u673a\u5236\uff1a<\/p>\n

      \n
    1. <2000\u5362\u6bd4\u4ea4\u6613\u4ec5\u9700OTP\u9a8c\u8bc1<\/li>\n
    2. \n
      \n

      5000\u5362\u6bd4\u5f3a\u5236\u6dfb\u52a03DS\u9a8c\u8bc1
      \n\u5b9e\u65f6\u76d1\u63a7\u5e94\u5305\u542b\uff1a<\/p>\n<\/blockquote>\n<\/li>\n<\/ol>\n

      \u56db\u3001\u98ce\u9669\u7ba1\u7406\u7b56\u7565\u5efa\u8bae\uff08\u7eed\uff09<\/h2>\n

      1. \u4ea4\u6613\u98ce\u9669\u5206\u5c42\u7ba1\u7406<\/h3>\n
        \n
      • \u5c0f\u989d\u4ea4\u6613<\/strong>\uff08<2000\u5362\u6bd4\uff09\uff1a\u91c7\u7528\u7b80\u5316\u9a8c\u8bc1\u6d41\u7a0b\uff0c\u4ec5\u9700OTP\u77ed\u4fe1\u9a8c\u8bc1\u5373\u53ef\u5b8c\u6210\u652f\u4ed8\uff0c\u63d0\u5347\u7528\u6237\u4f53\u9a8c<\/li>\n
      • \u4e2d\u989d\u4ea4\u6613<\/strong>\uff082000-5000\u5362\u6bd4\uff09\uff1a\u589e\u52a0\u8bbe\u5907\u6307\u7eb9\u8bc6\u522b\u548c\u884c\u4e3a\u5206\u6790\u68c0\u6d4b<\/li>\n
      • \u5927\u989d\u4ea4\u6613<\/strong>\uff08>5000\u5362\u6bd4\uff09\uff1a\u5f3a\u5236\u542f\u75283DS 2.0\u8ba4\u8bc1\uff0c\u8981\u6c42\u8f93\u5165\u9759\u6001\u5bc6\u7801+\u52a8\u6001\u9a8c\u8bc1\u7801<\/li>\n<\/ul>\n

        2. \u5b9e\u65f6\u76d1\u63a7\u7cfb\u7edf\u914d\u7f6e<\/h3>\n

        \u5efa\u8bae\u90e8\u7f72\u4ee5\u4e0b\u76d1\u6d4b\u673a\u5236\uff1a<\/p>\n

        1. IP\u5730\u7406\u4f4d\u7f6e\u5206\u6790\uff1a\u81ea\u52a8\u62e6\u622a\u8de8\u56fd\u5f02\u5e38\u767b\u5f55
        \r\n2. \u884c\u4e3a\u751f\u7269\u8bc6\u522b\uff1a\u68c0\u6d4b\u6253\u5b57\u8282\u594f\u3001\u6ed1\u52a8\u6a21\u5f0f\u7b49\u7279\u5f81
        \r\n3. Velocity Check\uff1a\u540c\u4e00\u8d26\u623715\u5206\u949f\u5185\u8d85\u8fc73\u7b14\u4ea4\u6613\u81ea\u52a8\u89e6\u53d1\u4eba\u5de5\u5ba1\u6838
        \r\n4. MCC\u4ee3\u7801\u6821\u9a8c\uff1a\u6838\u5bf9\u5546\u6237\u7c7b\u522b\u4ee3\u7801\u4e0e\u5b9e\u9645\u4e1a\u52a1\u5339\u914d\u5ea6
        \r\n
        \r\n<\/code><\/pre>\n
        \u4e94\u3001\u672c\u5730\u5316\u8fd0\u8425\u5173\u952e\u7ec6\u8282<\/p>\n
        1\uff0e\u7ed3\u7b97\u5468\u671f\u4f18\u5316\u65b9\u6848
        \n\u5370\u5ea6\u672c\u571f\u652f\u4ed8\u7f51\u5173\u5178\u578b\u7ed3\u7b97\u5468\u671f\u5bf9\u6bd4\uff1a<\/p>\n\n\n\n\n\n\n\n
        \u6e20\u9053\u7c7b\u578b<\/strong><\/th>\n\u6807\u51c6\u7ed3\u7b97\u671f<\/strong><\/th>\n\u52a0\u6025\u670d\u52a1\u9009\u9879<\/strong><\/th>\n<\/tr>\n<\/thead>\n
        UPI<\/td>\nT+1\u5de5\u4f5c\u65e5<\/td>\n–<\/td>\n<\/tr>\n
        \u7535\u5b50\u94b1\u5305<\/td>\nT+2\u5de5\u4f5c\u65e5<\/td>\n+300bps\u53ef\u7f29\u81f3T+0<\/td>\n<\/tr>\n
        \u4fe1\u7528\u5361<\/td>\nT+3\u5de5\u4f5c\u65e5<\/td>\n+150bps\u7f29\u81f3T+1<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
        \u6ce8\uff1a\u8282\u5047\u65e5\u671f\u95f4\u6240\u6709\u6e20\u9053\u5ef6\u8fdf\u81f3\u5c111\u4e2a\u5de5\u4f5c\u65e5<\/em><\/p>\n
        2\uff0e\u9000\u8d27\u9000\u6b3e\u7279\u6b8a\u5904\u7406
        \n\u5370\u5ea6\u6d88\u8d39\u8005\u4fdd\u62a4\u6cd5\u89c4\u5b9a\uff1a<\/p>\n
          \n
        • COD\u8ba2\u5355\u9000\u8d27\u5fc5\u987b7\u4e2a\u5de5\u4f5c\u65e5\u5185\u539f\u8def\u8fd4\u8fd8\u73b0\u91d1<\/li>\n
        • Digital\u652f\u4ed8\u9000\u6b3e\u6700\u957f\u5904\u7406\u65f6\u965048\u5c0f\u65f6<\/li>\n<\/ul>","protected":false},"excerpt":{"rendered":"
          \u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f \u4e00\u3001\u4e86\u89e3\u5370\u5ea6\u652f\u4ed8\u5e02\u573a\u7279\u70b9 \u5370\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-2939","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\n\u7535\u5546\u5e73\u53f0\u5982\u4f55\u9009\u62e9\u5370\u5ea6\u652f\u4ed8\u901a\u9053\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, 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