{"id":3126,"date":"2025-06-02T13:21:04","date_gmt":"2025-06-02T05:21:04","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3126"},"modified":"2025-06-02T13:21:04","modified_gmt":"2025-06-02T05:21:04","slug":"%e6%b8%b8%e6%88%8f%e5%85%85%e5%80%bc%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%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\/06\/02\/%e6%b8%b8%e6%88%8f%e5%85%85%e5%80%bc%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f\/","title":{"rendered":"\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts46.mm.bing.net\/th?q=phonepe45\" alt=\"\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\" title=\"\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\"><\/p>\n<p>\u5728\u5370\u5ea6\u5e02\u573a\u63a5\u5165\u6e38\u620f\u5145\u503c\u652f\u4ed8\u901a\u9053\uff0c\u9700\u8981\u7ed3\u5408\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981\u6c42\u548c\u7528\u6237\u504f\u597d\u3002\u4ee5\u4e0b\u662f\u5206\u6b65\u9aa4\u7684\u4e13\u4e1a\u89e3\u51b3\u65b9\u6848\uff1a<\/p>\n<ol>\n<li><strong>\u5408\u89c4\u6027\u51c6\u5907<\/strong><\/li>\n<\/ol>\n<ul>\n<li>\u6ce8\u518c\u5370\u5ea6\u516c\u53f8\u5b9e\u4f53\uff08\u63a8\u8350\u79c1\u4eba\u6709\u9650\u516c\u53f8\uff09<\/li>\n<li>\u7533\u8bf7PCI DSS Level 4\u8ba4\u8bc1<\/li>\n<li>\u5b8c\u6210RBI\u7684PA-DSS\u5408\u89c4\uff08\u9488\u5bf9\u5b58\u50a8\u652f\u4ed8\u6570\u636e\uff09<\/li>\n<li>GST\u7a0e\u52a1\u767b\u8bb0\uff08\u9700\u5305\u542b\u6570\u5b57\u5546\u54c1\u7c7b\u522b\uff09<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li><strong>\u6838\u5fc3\u652f\u4ed8\u65b9\u5f0f\u6574\u5408<\/strong><br \/>\n<em>\u5fc5\u63a5\u901a\u9053\uff1a<\/em><\/li>\n<\/ol>\n<ul>\n<li>UPI\uff08\u5360\u79fb\u52a8\u4ea4\u6613\u91cf60%\uff09\uff1a\u96c6\u6210PhonePe\/Google Pay\/BHIM\u7684SDK<\/li>\n<li>\u672c\u5730\u94b1\u5305\uff1aPaytm\/MobiKwik\u7684In-App SDK\u65b9\u6848<\/li>\n<li>Net Banking\uff1a\u901a\u8fc7ICICI\/Axis\/HDFC\u94f6\u884c\u76f4\u8fde\u7f51\u5173<\/li>\n<\/ul>\n<ol start=\"3\"><\/p>\n<li>\n<p><strong>\u652f\u4ed8\u7f51\u5173\u9009\u62e9\u4e0e\u5bf9\u63a5<\/strong><\/p>\n<ul>\n<li><strong>\u63a8\u8350\u7f51\u5173\u65b9\u6848<\/strong>\uff1a\n<ul>\n<li><strong>Razorpay<\/strong>\uff08\u652f\u6301UPI\/\u94b1\u5305\/\u7f51\u94f6\uff0c\u9002\u5408\u4e2d\u5c0f\u89c4\u6a21\uff09\n<ul>\n<li>\u63d0\u4f9b\u6e38\u620f\u884c\u4e1a\u4e13\u7528API\uff08\u652f\u6301\u5c0f\u989d\u9ad8\u9891\u4ea4\u6613\uff09<\/li>\n<li>\u624b\u7eed\u8d39\uff1a1.8%-2.5%\uff08\u9700\u8c08\u5224\u6700\u4f4e0.8%\u5927\u5ba2\u6237\u4ef7\uff09<\/li>\n<\/ul>\n<\/li>\n<li><strong>PayU India<\/strong>\uff08\u672c\u5730\u5316\u6700\u5f3a\uff0c\u652f\u6301\u5206\u671f\u4ed8\u6b3e\uff09\n<ul>\n<li>\u7279\u8272\u529f\u80fd\uff1aTokenization\uff08\u7b26\u5408RBI\u5b58\u50a8\u5361\u53f7\u65b0\u89c4\uff09<\/li>\n<li>\u5931\u8d25\u4ea4\u6613\u81ea\u52a8\u8def\u7531\u81f3\u5907\u7528\u901a\u9053<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u66ff\u4ee3\u652f\u4ed8\u65b9\u6848<\/strong> (\u5e94\u5bf9\u62d2\u4ed8\u98ce\u9669)<br \/>\n<em>\u9002\u7528\u4e8e\u56fd\u9645\u53d1\u884c\u5546<\/em>\uff1a<\/p>\n<pre><code class=\"language-python\"># \u4f2a\u4ee3\u7801\u793a\u4f8b\uff1a\u667a\u80fd\u8def\u7531\u903b\u8f91<br>\r\ndef process_payment(user):<br>\r\n    if user.device_risk_score &lt; 0.3:<br>\r\n        route_to_upi() # \u4f4e\u98ce\u9669\u8d70\u672c\u5730\u6e20\u9053<br>\r\n    else:<br>\r\n        route_to_paypal() # \u9ad8\u98ce\u9669\u7528\u56fd\u9645\u6e20\u9053+3DS\u9a8c\u8bc1<br>\r\n        enable_auto_refund(threshold=5000 INR) <br>\r\n<\/code><\/pre>\n<\/li>\n<li>\n<p><strong>\u5173\u952e\u4f18\u5316\u70b9<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li><strong>\u5b9a\u4ef7\u7b56\u7565<\/strong>\uff1a<br \/>\n\u91c7\u7528\"99\u5362\u6bd4\u9b54\u6cd5\u6570\u5b57\"\uff08\u5b9e\u9645\u663e\u793a\u20b999 = $1.19\u907f\u514d\u6c47\u7387\u6469\u64e6\uff09<\/li>\n<li><strong>\u62d2\u7edd\u5904\u7406<\/strong>\uff1a<br \/>\n\u90e8\u7f72Juspay\u7684SmartRetry\u6280\u672f\u63d0\u5347UPI\u6210\u529f\u738727%<\/li>\n<li><strong>\u5408\u89c4\u63d0\u793a<\/strong>\uff1a<br \/>\n2024\u5e74\u8d77\u5fc5\u987b\u4f7f\u7528\u5370\u5ea6\u672c\u5730\u670d\u52a1\u5668\u5b58\u50a8\u4ea4\u6613\u65e5\u5fd7<\/li>\n<\/ul>\n<ol start=\"6\"><\/p>\n<li><em>\u65b0\u5174\u8d8b\u52bf\u63a5\u5165<\/em><\/li>\n<\/ol>\n<ul>\n<li>WhatsApp Pay\u5d4c\u5165\u5f0f\u652f\u4ed8\u6309\u94ae<\/li>\n<li>BharatBillPay\u7cfb\u7edf\u5bf9\u63a5\uff08\u53ef\u901a\u8fc7\u5145\u503c\u8d26\u5355\u6d17\u767d\u9ed1\u91d1\u7528\u6237\uff09<\/li>\n<\/ul>\n<p>\u5efa\u8bae\u4f18\u5148\u505aA\/B\u6d4b\u8bd5\uff1a\u5fb7\u91cc\u548c\u73ed\u52a0\u7f57\u5c14\u7528\u6237\u5bf9Wallet\u63a5\u53d7\u5ea6\u5dee35%\uff0c\u4f46\u6d77\u5f97\u62c9\u5df4\u7684NetBanking\u8f6c\u5316\u7387\u60ca\u4eba\u3002\u9700\u8981\u51c6\u5907\u81f3\u5c113\u5957UI\u6587\u6848\u9002\u5e94\u4e0d\u540c\u5730\u533a\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5728\u5370\u5ea6\u5e02\u573a\u63a5\u5165\u6e38\u620f\u5145\u503c\u652f\u4ed8\u901a\u9053\uff0c\u9700\u8981\u7ed3\u5408\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981\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-3126","post","type-post","status-publish","format-standard","hentry","category-38"],"yoast_head":"<!-- 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content=\"\u5728\u5370\u5ea6\u5e02\u573a\u63a5\u5165\u6e38\u620f\u5145\u503c\u652f\u4ed8\u901a\u9053\uff0c\u9700\u8981\u7ed3\u5408\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/zh\/2025\/06\/02\/\u6e38\u620f\u5145\u503c\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-06-02T05:21:04+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts46.mm.bing.net\/th?q=phonepe45\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n<script type=\"application\/ld+json\" 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