{"id":3048,"date":"2025-05-26T13:51:33","date_gmt":"2025-05-26T05:51:33","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3048"},"modified":"2025-05-26T13:51:33","modified_gmt":"2025-05-26T05:51:33","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%b4%b9%e7%94%a8%e5%92%8c%e7%bb%93%e7%ae%97%e5%91%a8%e6%9c%9f%e8%af%b4%e6%98%8e","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/05\/26\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e7%b3%bb%e7%bb%9f%e8%b4%b9%e7%94%a8%e5%92%8c%e7%bb%93%e7%ae%97%e5%91%a8%e6%9c%9f%e8%af%b4%e6%98%8e\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u8d39\u7528\u548c\u7ed3\u7b97\u5468\u671f\u8bf4\u660e"},"content":{"rendered":"

\"\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u8d39\u7528\u548c\u7ed3\u7b97\u5468\u671f\u8bf4\u660e\"<\/p>\n

\u4ee5\u4e0b\u662f\u5370\u5ea6\u4e3b\u8981\u652f\u4ed8\u7cfb\u7edf\u7684\u8d39\u7528\u7ed3\u6784\u548c\u7ed3\u7b97\u5468\u671f\u8bf4\u660e\uff0c\u9002\u7528\u4e8e\u5546\u6237\u548c\u7528\u6237\uff1a<\/p>\n

\u4e00\u3001\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff08UPI\uff09<\/h3>\n
    \n
  1. \n

    \u8d39\u7528\u7ed3\u6784<\/strong>\uff1a<\/p>\n

      \n
    • \u4e2a\u4eba\u7528\u6237\uff1a\u514d\u8d39<\/li>\n
    • \u5546\u6237\u4ea4\u6613\uff1a\u901a\u5e38\u6536\u53d60.3%-1%\uff08\u6700\u4f4e\u20b92\uff09\u7684\u4ea4\u6613\u8d39<\/li>\n
    • P2P\u8f6c\u8d26\uff1a\u8d85\u8fc7\u20b92000\u53ef\u80fd\u6536\u53d6\u624b\u7eed\u8d39<\/li>\n<\/ul>\n<\/li>\n
    • \n

      \u7ed3\u7b97\u5468\u671f<\/strong>\uff1a<\/p>\n

        \n
      • T+1\u5de5\u4f5c\u65e5\uff08\u591a\u6570\u94f6\u884c\uff09
        \n-\u90e8\u5206\u94f6\u884c\u652f\u6301\u5b9e\u65f6\u7ed3\u7b97\uff08\u9700\u989d\u5916\u4ed8\u8d39\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n

        \u4e8c\u3001\u5373\u65f6\u652f\u4ed8\u670d\u52a1\uff08IMPS\uff09<\/h3>\n
          \n
        1. \n

          \u8d39\u7528<\/strong>\uff1a<\/p>\n

            \n
          • \u20b95-15\/\u7b14\uff08\u6839\u636e\u91d1\u989d\u5206\u6bb5\u6536\u8d39\uff09<\/li>\n
          • \u2264\u20b91000\uff1a\u901a\u5e38\u514d\u8d39\u6216\u20b95<\/li>\n<\/ul>\n
            \n

            10\u4e07\u5362\u6bd4\u4ea4\u6613\u7ea6\u20b925<\/p>\n<\/blockquote>\n<\/li>\n

          • \n

            \u7ed3\u7b97<\/strong>\uff1a
            \n\u5b9e\u65f6\u5230\u8d26\uff087\u00d724\u5c0f\u65f6\uff09<\/p>\n<\/li>\n<\/ol>\n

            \u4e09\u3001\u56fd\u5bb6\u7535\u5b50\u8d44\u91d1\u8f6c\u8d26\uff08NEFT\uff09<\/h3>\n
              \n
            1. \n

              \u8d39\u7528<\/strong>\uff1a
              \n\u4f01\u4e1a\u8d26\u6237:
              \n| \u91d1\u989d\u533a\u95f4 | \u624b\u7eed\u8d39 |
              \n|—————-|————-|
              \n| \u226410,000 | \u20b92 + GST |
              \n| >10\u4e07 | \u20b925 + GST |<\/p>\n<\/li>\n

            2. \n

              \u7ed3\u7b97\u5468\u671f<\/strong>\uff1a
              \n\u6bcf\u5c0f\u65f6\u6279\u6b21\u5904\u7406\uff0c\u6700\u8fdfT+30\u5206\u949f<\/p>\n<\/li>\n<\/ol>\n

              \u56db\u3001\u501f\u8bb0\u5361\/\u4fe1\u7528\u5361\u652f\u4ed8<\/h3>\n
                \n
              • MDR\u8d39\u7387<\/strong> (\u5546\u6237\u6263\u7387):<\/li>\n<\/ul>\n
                pie title MDR\u8d39\u7387\u5206\u5e03(2023)
                \r\n\"\u7ebf\u4e0b\u501f\u8bb0\u5361\": \"0.4%\"
                \r\n\"\u7ebf\u4e0a\u501f\u8bb0\u5361\": \"0.9%\"
                \r\n\"\u4fe1\u7528\u5361\": \"1.8-3%\"
                \r\n<\/code><\/pre>\n
                \u7279\u6b8a\u884c\u4e1a\u9644\u52a0\u8d39\u53ef\u8fbe4%<\/p>\n
                \u4e94\u3001\u94b1\u5305\u7c7b\u670d\u52a1(Paytm\/PhonePe\u7b49)
                \n-\u5145\u503c:
                \n\u2022 UPI\u8f6c\u5165\u514d\u8d39
                \n\u2022\u94f6\u884c\u5361\u5145\u503c\u65361-3%
                \n-\u63d0\u73b0:
                \n\u2022\u6bcf\u7b14\u6536\u56fa\u5b9a\u8d39(\u5982Paytm\u65364%)<\/p>\n
                \u5efa\u8bae:
                \n\u2022\u5c0f\u989d\u9ad8\u9891\u7528UPI
                \n\u2022\u5927\u989d\u5bf9\u516c\u63a8\u8350RTGS(\u226520\u4e07\u5362\u6bd4\u4ec5\u6536\u20b955)
                \n\u2022\u8de8\u5883\u6536\u6b3e\u8003\u8651PNB\u7684BBPS\u7cfb\u7edf<\/p>\n
                \u6ce8:GST\u7a0e\u7387\u5747\u4e3a18%\uff0c\u5177\u4f53\u8d39\u7387\u53ef\u80fd\u56e0\u94f6\u884c\/RBI\u653f\u7b56\u8c03\u6574<\/p>\n
                \u4ee5\u4e0b\u662f\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u5176\u4ed6\u5173\u952e\u673a\u5236\u7684\u8be6\u7ec6\u8bf4\u660e\uff0c\u4ee5\u53ca\u4f18\u5316\u4ea4\u6613\u6210\u672c\u7684\u5b9e\u7528\u5efa\u8bae\uff1a<\/p>\n
                \n
                \u4e94\u3001\u9884\u4ed8\u8d39\u652f\u4ed8\u5de5\u5177\uff08PPI\/Wallets\uff09\u8865\u5145\u7ec6\u5219<\/strong><\/h3>\n
                  \n
                1. \n
                  \u8fdb\u9636\u8d39\u7528\u7ed3\u6784<\/strong>\uff1a<\/p>\n
                    \n
                  • \u8de8\u5883\u5145\u503c<\/em>\uff1a\u989d\u5916\u6536\u53d62.5%+GST\uff08\u5982Paytm\u8de8\u5883\u5546\u52a1\u89e3\u51b3\u65b9\u6848\uff09<\/li>\n
                  • \u5546\u6237\u7ed3\u7b97<\/em>\uff1aT+3\u5468\u671f\u5185\u63d0\u73b0\u514d\u624b\u7eed\u8d39\uff0c\u4e4b\u540e\u6bcf\u7b14\u20b95-20<\/li>\n
                  • \u5931\u6548\u7ba1\u7406<\/em>\uff1a12\u4e2a\u6708\u4e0d\u6d3b\u8dc3\u8d26\u6237\u6bcf\u6708\u6263\u20b9250\u76f4\u81f3\u4f59\u989d\u6e05\u96f6<\/li>\n<\/ul>\n<\/li>\n
                  • \n
                    \u521b\u65b0\u529f\u80fd\u9644\u52a0\u8d39<\/strong>\uff1a<\/p>\n<\/li>\n<\/ol>\n
                    flowchart LR
                    \r\n    A[\u94b1\u5305\u4f59\u989d] -->|\u626b\u7801\u652f\u4ed8| B(0%\u624b\u7eed\u8d39)
                    \r\n    A -->|\u8f6c\u94f6\u884c| C(1% min \u20b910)
                    \r\n    A -->|\u8d2d\u4e70\u9ec4\u91d1\/\u57fa\u91d1| D(0.5-1.2%\u5e73\u53f0\u8d39)
                    \r\n<\/code><\/pre>\n
                    \n
                    \u516d\u3001\u65b0\u5174\u652f\u4ed8\u65b9\u5f0f<\/strong><\/h3>\n
                    6.1 \u81ea\u52a8\u91cd\u590d\u4ed8\u6b3e\uff08eMandate\uff09<\/h4>\n
                      \n
                    • \u5178\u578b\u573a\u666f<\/strong>\uff1aSaaS\u8ba2\u9605\/\u4fdd\u9669\u4fdd\u8d39<\/li>\n
                    • \u8d39\u7528\u6a21\u578b<\/strong>\uff1a\n
                        \n
                      • \u6ce8\u518c\u8d39\uff1a\u20b910-50\/\u6388\u6743<\/li>\n
                      • \u6267\u884c\u8d39\uff1a0.3%\u6bcf\u6b21\uff08\u6bd4\u666e\u901a\u5361\u4ea4\u6613\u4f4e40bps\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
                        6.2 Bharat BillPay (BBPS)<\/h4>\n
                        pie title BBPS\u5206\u5c42\u8d39\u7387 
                        \r\n\"\u516c\u7528\u4e8b\u4e1a\u8d26\u5355\" : \"0.25%\" 
                        \r\n\"\u6559\u80b2\u7f34\u8d39\" : \"0.65%\" 
                        \r\n\"DTH\u5145\u503c\" : \"1%\u4e0a\u9650\u20b915\"
                        \r\n<\/code><\/pre>\n
                        \n
                        \u4e03\u3001\u8de8\u5883\u7ed3\u7b97\u7279\u6b8a\u673a\u5236<\/strong><\/h3>\n
                        7.1 Inward Remittance\u5408\u89c4\u8981\u6c42\uff1a<\/h4>\n
                          \n
                        • \u6700\u4f4e\u6587\u6863<\/em>\uff1aKYC+\u76ee\u7684\u4ee3\u7801(Purpose Code)<\/li>\n
                        • \u9636\u68af\u5f0f\u6536\u8d39<\/em>\uff1a<\/li>\n<\/ul>\n
                          \u91d1\u989d\u533a\u95f4 | SWIFT\u8d39\u7528 | GST\u5904\u7406\u8d39  
                          \r\n----------- | --------------- | ----------
                          \r\n<50\u4e07\u5362\u6bd4 | \u20b9750 +\u4e2d\u95f4\u884c\u6263\u51cf | \u20b9118   
                          \r\n>200\u4e07\u5362\u6bd4 | \u20b91500\u8d77 | \u20b9354+
                          \r\n<\/code><\/pre>\n
                          7.2 Export Collection\u52a0\u901f\u65b9\u6848\uff1a<\/h4>\n
                          \u901a\u8fc7PNB\u7684EPC\u95e8\u6237\u53ef\u5b9e\u73b0:<\/p>\n
                          + T+3\u7ed3\u7b97\u4fdd\u8bc1  
                          \r\n!\u9700\u63d0\u4ea4\u5546\u4e1a\u53d1\u7968\u526f\u672c  
                          \r\n<\/code><\/pre>\n
                          \n
                          \u516b\u3001\u4e89\u8bae\u89e3\u51b3\u6210\u672c\u77e9\u9635<\/strong><\/h3>\n\n\n\n\n\n\n
                          UPI<\/th>\n\u4fe1\u7528\u5361<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
                          \u62d2\u4ed8\u671f<\/td>\n72\u5c0f\u65f6 120\u5929<\/td>\n<\/td>\n<\/tr>\n
                          \u4ef2\u88c1\u6210\u672c<\/td>\n\u2013 \u6bcf\u7b14$15<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                          \u98ce\u9669\u63d0\u793a<\/strong>\uff1a\u4fe1\u7528\u5361\u4ea4\u6613\u9700\u9884\u75593-5%\u4fdd\u8bc1\u91d1\u5e94\u5bf9\u6f5c\u5728\u62d2\u4ed8<\/p>\n
                          \n
                          \u4e5d\u30012024\u5e74\u8d39\u7387\u4f18\u5316\u7b56\u7565<\/strong><\/h3>\n
                          1\ufe0f\u20e3 \u6df7\u5408\u8def\u7531\u6280\u672f<\/em> \uff1a\u5bf9\u22655000\u5362\u6bd4\u4ea4\u6613\u667a\u80fd\u5206\u6d41\u81f3\u4f4e\u6210\u672c\u901a\u9053\uff08\u5982IMPS\u66ff\u4ee3UPI\u53ef\u770130bps\uff09<\/p>\n
                          2\ufe0f\u20e3 \u6e05\u7b97\u6240\u76f4\u8fde\u4f18\u52bf\u5bf9\u6bd4\u8868<\/em>\uff1a<\/p>\n\n\n\n\n\n\n
                          NPCI\u76f4\u63a5\u4f1a\u5458<\/th>\n\u7b2c\u4e09\u65b9\u805a\u5408\u5668<\/th>\n<\/th>\n<\/tr>\n<\/thead>\n
                          \u63a5\u5165\u6210\u672c 100\u4e07\u62bc\u91d1 \u6708\u79df\u20b950k+<\/td>\n<\/td>\n<\/td>\n<\/tr>\n
                          \u5931\u8d25\u7387 <0.% ~%<\/td>\n<\/td>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
                          \u5efa\u8bae\u6708\u6d41\u6c34\u8d85200\u4e07\u7684\u5546\u6237\u7533\u8bf7NPCI\u76f4\u63a5\u4f1a\u5458\u8d44\u683c\u3002<\/p>\n
                          \u9700\u8981\u5177\u4f53\u884c\u4e1a\u7684\u5b9a\u5236\u5316\u65b9\u6848\uff08\u5982\u7535\u5546vs\u6559\u80b2\u79d1\u6280\uff09\uff0c\u53ef\u63d0\u4f9b\u66f4\u8be6\u7ec6\u7684\u6c99\u76d8\u63a8\u6f14\u6570\u636e\u3002<\/p>","protected":false},"excerpt":{"rendered":"
                          \u4ee5\u4e0b\u662f\u5370\u5ea6\u4e3b\u8981\u652f\u4ed8\u7cfb\u7edf\u7684\u8d39\u7528\u7ed3\u6784\u548c\u7ed3\u7b97\u5468\u671f\u8bf4\u660e\uff0c\u9002\u7528\u4e8e\u5546\u6237\u548c\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-3048","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"\n\u5370\u5ea6\u652f\u4ed8\u7cfb\u7edf\u8d39\u7528\u548c\u7ed3\u7b97\u5468\u671f\u8bf4\u660e - 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, 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