{"id":2967,"date":"2025-05-23T14:00:54","date_gmt":"2025-05-23T06:00:54","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=2967"},"modified":"2025-05-23T14:00:54","modified_gmt":"2025-05-23T06:00:54","slug":"ovo%e3%80%81dana%e3%80%81linkaja%ef%bc%9a%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%93%aa%e5%ae%b6%e5%bc%ba%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/23\/ovo%e3%80%81dana%e3%80%81linkaja%ef%bc%9a%e7%94%b5%e5%95%86%e6%94%b6%e6%ac%be%e5%93%aa%e5%ae%b6%e5%bc%ba%ef%bc%9f\/","title":{"rendered":"OVO\u3001DANA\u3001LinkAja\uff1a\u7535\u5546\u6536\u6b3e\u54ea\u5bb6\u5f3a\uff1f"},"content":{"rendered":"<p>\u5728\u5370\u5c3c\u7535\u5546\u6536\u6b3e\u573a\u666f\u4e2d\uff0cOVO\u3001DANA\u548cLinkAja\u5404\u6709\u4f18\u52bf\uff0c\u9009\u62e9\u9700\u6839\u636e\u4e1a\u52a1\u9700\u6c42\u7efc\u5408\u8bc4\u4f30\u3002\u4ee5\u4e0b\u662f\u4e13\u4e1a\u5bf9\u6bd4\u5206\u6790\uff1a<\/p>\n<p>\u4e00\u3001\u6838\u5fc3\u6307\u6807\u5bf9\u6bd4<\/p>\n<ol>\n<li>\u5e02\u573a\u6e17\u900f\u7387\uff082023\u6570\u636e\uff09\uff1a<\/li>\n<\/ol>\n<ul>\n<li>OVO\uff1a\u8986\u76d645%\u5370\u5c3c\u6570\u5b57\u652f\u4ed8\u5e02\u573a\uff08MAU 3,800\u4e07\uff09<\/li>\n<li>DANA\uff1a\u536032%\u5e02\u573a\u4efd\u989d\uff08MAU 2,700\u4e07\uff09<\/li>\n<li>LinkAja\uff1a\u56fd\u6709\u80cc\u666f\uff0c\u91cd\u70b9\u8986\u76d6\u4e8c\u4e09\u7ebf\u57ce\u5e02<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u4ea4\u6613\u8d39\u7387\uff1a<br \/>\n| \u670d\u52a1\u5546 | \u57fa\u7840\u8d39\u7387 | \u5927\u5ba2\u6237\u8bae\u4ef7\u7a7a\u95f4 | T+1\u5230\u8d26 |<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;|<br \/>\n| OVO | 1.8% | \u22651\u4ebfIDR\u53ef\u8c08 | \u221a |<br \/>\n| DANA | 1.5% | \u22655\u4ebfIDR\u53ef\u8c08 | \u221a |<br \/>\n| LinkAja | 1.2%* | \u22640.8%\uff08\u653f\u5e9c\u5408\u4f5c)| \u00d7(T+3) |<\/li>\n<\/ol>\n<p>*\u6ce8\uff1aLinkAja\u5bf9UMKM\u6709\u4e13\u9879\u8865\u8d34<\/p>\n<p>\u4e8c\u3001\u6280\u672f\u5bf9\u63a5\u7ef4\u5ea6<\/p>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\n    A[API\u7a33\u5b9a\u6027] --&gt; B(OVO:99.95%)<br>\r\n    A --&gt; C(DANA:99.98%)<br>\r\n    A --&gt; D(LinkAja:99.7%) <br>\r\n    <br>\r\n    E[\u98ce\u63a7\u673a\u5236] --&gt; F(OVO:AI\u5b9e\u65f6\u76d1\u63a7)<br>\r\n    E --&gt; G(DANA:\u94f6\u884c\u7ea7\u52a0\u5bc6)<br>\r\n    E --&gt; H(LinkAja:BJBR\u8ba4\u8bc1)<br>\r\n<\/code><\/pre>\n<p>\u4e09\u3001\u7279\u6b8a\u573a\u666f\u9002\u914d\u6027<br \/>\n\u2022 <strong>\u9ad8\u5ba2\u5355\u4ef7<\/strong>\uff08&gt;500\u4e07IDR\uff09\uff1a\u4f18\u5148DANA\uff08\u5355\u7b14\u9650\u989d2000\u4e07IDR\uff09<br \/>\n\u2022 <strong>\u653f\u5e9c\u9879\u76ee<\/strong>\uff1a\u5f3a\u5236\u4f7f\u7528LinkAja\uff08\u7b26\u5408PBI\u89c4\u5b9a\uff09<br \/>\n\u2022 <strong>\u793e\u4ea4\u7535\u5546<\/strong>\uff1aOVO\u66f4\u9002\u914dTikTok\/Shopee\u751f\u6001<\/p>\n<p>\u56db\u3001\u5b9e\u64cd\u5efa\u8bae\u7ec4\u5408\u65b9\u6848\uff1a<br \/>\n1\ufe0f\u20e3 Tier-1\u57ce\u5e02\u65d7\u8230\u5e97\uff1a<br \/>\nOVO+DANA\u7ec4\u5408\uff08\u8986\u76d6\u7387\u8d8575%\uff09+ PayPal\u5e94\u5bf9\u56fd\u9645\u652f\u4ed8<\/p>\n<p>2\ufe0f\u20e3 Pasar\u6570\u5b57\u5316\u8f6c\u578b\u9879\u76ee\uff1a<br \/>\n\u5fc5\u9009LinkAja + BRI\u8d26\u6237\u8054\u52a8\u4eab\u53d70.6%\u7279\u522b\u8d39\u7387<\/p>\n<p>\u4e94\u3001\u98ce\u9669\u63d0\u793a\uff1a<br \/>\n\u26a0\ufe0f OVO\u8fd1\u671f\u56e0\u53cd\u6d17\u94b1\u8c03\u67e5\u5b58\u57283%-5%\u7684\u5f02\u5e38\u4ea4\u6613\u62e6\u622a\u7387<br \/>\n\u26a0\ufe0f LinkAjia\u5bf9\u975e\u5408\u4f5c\u94f6\u884c\u7684\u63d0\u73b0\u6536\u53d6\u56fa\u5b9a\u624b\u7eed\u8d39\uff084,500IDR\/\u7b14\uff09<\/p>\n<p>\u5efa\u8bae\u6bcf\u6708\u8fdb\u884c\u300c\u652f\u4ed8\u6e20\u9053\u5065\u5eb7\u5ea6\u68c0\u67e5\u300d\uff0c\u53c2\u8003\u516c\u5f0f\uff1a<\/p>\n<pre><code>\u6e20\u9053\u6548\u7387\u5f97\u5206 = (\u6210\u529f\u7387\u00d70.4)+(\u8d39\u7387\u7cfb\u6570\u00d70.3)+(\u7ed3\u7b97\u901f\u5ea6\u00d70<br>\r\n<\/code><\/pre>\n<p>\u597d\u7684\uff0c\u6211\u4eec\u7ee7\u7eed\u6df1\u5165\u63a2\u8ba8\u5370\u5c3c\u6570\u5b57\u652f\u4ed8\u4e09\u5f3a\u7684\u8fd0\u8425\u7ec6\u8282\u548c\u8fdb\u9636\u7b56\u7565\u3002\u4ee5\u4e0b\u662f\u60a8\u9700\u8981\u4e86\u89e3\u7684\u6df1\u5c42\u7ef4\u5ea6\u548c\u5b9e\u6218\u65b9\u6848\uff1a<\/p>\n<hr>\n<h3><strong>\u516d\u3001\u8d44\u91d1\u5f52\u96c6\u6548\u7387\u5bf9\u6bd4\uff08\u5173\u952e\u8d22\u52a1\u6307\u6807\uff09<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>\u7ef4\u5ea6<\/th>\n<th>OVO<\/th>\n<th>DANA<\/th>\n<th>LinkAja<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>\u6279\u91cf\u63d0\u73b0\u6210\u672c<\/strong><\/td>\n<td>0.15%\/\u7b14\uff08\u22655\u7b14\uff09<\/td>\n<td>\u514d\u8d39\uff08BRI\u5408\u4f5c\u8d26\u6237\uff09<\/td>\n<td>\u56fa\u5b9a\u8d39\u73874,500IDR<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5916\u6c47\u7ed3\u7b97<\/strong><\/td>\n<td>\u652f\u6301\u7f8e\u5143<\/td>\n<td>\u4ec5IDR<\/td>\n<td>\u9700\u8d70\u592e\u884c\u901a\u9053<\/td>\n<\/tr>\n<tr>\n<td><strong>\u4f59\u989d\u751f\u606f<\/strong><\/td>\n<td>\u221a(\u5e74\u53161.2%)<\/td>\n<td>\u00d7<\/td>\n<td>\u221a(\u56fd\u6709\u94f6\u884c\u6258\u7ba1)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><em>\u6ce8\uff1aLinkAja\u4f01\u4e1a\u8d26\u6237\u6bcf\u65e5\u81ea\u52a8\u5f52\u96c6\u81f3\u6307\u5b9aBUMN\u94f6\u884c<\/em><\/p>\n<hr>\n<h3><strong>\u4e03\u3001\u53cd\u6b3a\u8bc8\u7cfb\u7edf\u6df1\u5ea6\u89e3\u6790<\/strong><\/h3>\n<pre><code class=\"language-python\"># \u5178\u578b\u98ce\u63a7\u89c4\u5219\u793a\u4f8b\uff08OVO\uff09<br>\r\nif transaction_amount &gt; 10_000_000:<br>\r\n    trigger_3ds_verification()<br>\r\nelif device_fingerprint in high_risk_db:<br>\r\n    require_biometric_auth()<br>\r\nelse:<br>\r\n    apply_dynamic_limit_adjustment()<br>\r\n<br>\r\n# DANA\u7279\u8272\u673a\u5236\uff1a<br>\r\n- \u300cDANA Shield\u300d\u5b9e\u65f6\u62e6\u622a\u53ef\u7591\u4ea4\u6613\uff08\u54cd\u5e94\u65f6\u95f4&lt;200ms\uff09<br>\r\n- MCC\u7801\u9ed1\u540d\u5355\u7cfb\u7edf\uff08\u8986\u76d6\u8d4c\u535a\/\u865a\u62df\u8d27\u5e01\u7b49\uff09<br>\r\n<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>\u516b\u3001\u5b9a\u5236\u5316\u89e3\u51b3\u65b9\u6848\u77e9\u9635<\/strong><\/h3>\n<p>\u6839\u636e\u6708GMV\u5236\u5b9a\u7684\u9ec4\u91d1\u7ec4\u5408\uff1a<\/p>\n<pre><code>\u250c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u252c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2510<br>\r\n\u2502 \u6708\u4ea4\u6613\u89c4\u6a21 \u2502 \u63a8\u8350\u914d\u7f6e \u2502<br>\r\n\u251c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524 <br>\r\n\u2502 &lt;5\u4ebfIDR \u2502 OVO\u57fa\u7840\u7248 + Xendit\u5907\u7528\u901a\u9053 \u2502<br>\r\n\u2502 \u2502 \uff08\u7efc\u5408\u6210\u672c1.65%\uff09 \u2502<br>\r\n\u251c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524<br>\r\n\u2502 5-20\u4ebfIDR \u2502 DANA\u4f01\u4e1aAPI + LinkAja\u653f\u52a1\u901a\u2502  <br>\r\n\u2502 \u2502 \uff08\u53ef\u8c08\u81f30.9%\u6253\u5305\u8d39\u7387\uff09 \u2502<br>\r\n\u251c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u253c\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2524    <br>\r\n\u2502 &gt;20\u4ebfIDR \u2502 Negotiated\u5957\u9910\uff1a \u2502  <br>\r\n\u2502 \u251c\u2500 OVO\u767d\u540d\u5355\u6781\u901f\u7ed3\u7b97 \u2502  <br>\r\n\u2502 \u251c\u2500 DANA\u5927\u989d\u4e13\u7528\u901a\u9053 \u2502  <br>\r\n\u2502 \u2514\u2500 LinkAja\u653f\u7b56\u8865\u8d34\u63a5\u53e3 \u2502  <br>\r\n\u2514\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2534\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2500\u2518 <br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>\u4e5d\u3001\u5408\u89c4\u6027\u5173\u952e\u5dee\u5f02\u70b9<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u6570\u636e\u4e3b\u6743\u8981\u6c42<\/strong>\uff1a<\/p>\n<ul>\n<li>LinkAja\u5f3a\u5236\u6570\u636e\u672c\u5730\u5316\uff08PNBP\u7b2c71\u53f7\u4ee4\uff09<\/li>\n<li>OVO\/DANA\u5141\u8bb8\u8de8\u5883\u4f20\u8f93\u4f46\u9700\u62a5\u5907BKPM<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u53d1\u7968\u5f00\u5177<\/strong>\uff1a<\/p>\n<pre><code class=\"language-mermaid\">graph LR;<br>\r\n  A[\u7535\u5b50\u53d1\u7968] --&gt; B[OVO:\u81ea\u52a8\u751f\u6210PDF]<br>\r\n  A --&gt; C[DANA:API\u76f4\u8fdeSistem Pajak]<br>\r\n  A --&gt; D[LinkAja:\u9700\u624b\u52a8\u5f55\u5165MPN-G2]<br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p>KYC\u5206\u7ea7\u5236\u5ea6\u5bf9\u6bd4\uff1a<br \/>\n<img decoding=\"async\" src=\"https:\/\/via.placeholder.com\/400x200?text=OVO:Lv3+%E7%94%9F%E7%89%A9%E8%AE%A4%E8%AF%81%5CnDANA:Lv4%E8%A7%86%E9%A2%91%E9%9D%A2%E7%AD%BE%5CnLinkAja:Lv2%E5%9F%BA%E7%A1%80%E9%AA%8C%E8%AF%81\" alt=\"KYC\u5bf9\u6bd4\u56fe\"><\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u5341\u30012024\u8d8b\u52bf\u9884\u5224\u4e0e\u5e94\u5bf9<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <strong>\u5373\u5c06\u5230\u6765\u7684\u76d1\u7ba1\u53d8\u5316<\/strong>\uff1a<\/p>\n<ul>\n<li>BI\u8ba1\u5212\u5c06\u4e8c\u7ef4\u7801\u652f\u4ed8\u7edf\u4e00\u4e3aQRIS\u6807\u51c6\uff08LinkAja\u5df2100%\u517c\u5bb9\uff0cOVO\/Dana\u9700\u5728Q2\u524d\u6539\u9020\uff09<\/li>\n<\/ul>\n<p>2\ufe0f\u20e3 <strong>\u6280\u672f\u5347\u7ea7\u5efa\u8bae<\/strong>\uff1a<\/p>\n<pre><code class=\"language-diff\">+ Immediate Action:<br>\r\n! API\u8fc1\u79fb\u81f3ISO20022\u6807\u51c6\u62a5\u6587\u683c\u5f0f  <br>\r\n! Tokenization\u66ff\u4ee3\u5361\u53f7\u5b58\u50a8(PAN)<br>\r\n<\/code><\/pre>\n<p>3\ufe0f\u20e3 \u300c\u9690\u85cf\u738b\u724c\u300d\u529f\u80fd\u6316\u6398\uff1a<\/p>\n<ul>\n<li>OVO\u7684\u300cPayLater\u300d\u529f\u80fd\u53ef\u63d0\u5347\u5ba2\u5355\u4ef737%\uff08\u9700\u7533\u8bf7\u767d\u540d\u5355\u63a5\u5165\uff09<\/li>\n<li>DANA\u7684\u300cSplit Bill\u300d\u9002\u5408\u56e2\u8d2d\u573a\u666f\u81ea\u52a8\u5316\u5206\u8d26<\/li>\n<\/ul>\n<p>\u9700\u8981\u5177\u4f53\u67d0\u65b9\u9762\u7684\u6df1\u5ea6\u63a8\u6f14\uff1f\u4f8b\u5982\u5982\u4f55\u901a\u8fc7Dana\u7684Merchant 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