{"id":3136,"date":"2025-06-02T13:21:39","date_gmt":"2025-06-02T05:21:39","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3136"},"modified":"2025-06-02T13:21:39","modified_gmt":"2025-06-02T05:21:39","slug":"%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs-%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/02\/%e6%b3%b0%e5%9b%bd%e6%9c%ac%e5%9c%b0%e6%94%af%e4%bb%98-vs%e5%9b%bd%e9%99%85%e6%94%af%e4%bb%98%ef%bc%8c%e6%9c%89%e4%bd%95%e5%8c%ba%e5%88%ab%ef%bc%9f\/","title":{"rendered":"\u6cf0\u56fd\u672c\u5730\u652f\u4ed8 vs \u56fd\u9645\u652f\u4ed8\uff0c\u6709\u4f55\u533a\u522b\uff1f"},"content":{"rendered":"<p>\u6cf0\u56fd\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u5728\u591a\u4e2a\u7ef4\u5ea6\u5b58\u5728\u663e\u8457\u5dee\u5f02\uff0c\u4e3b\u8981\u4f53\u73b0\u4e3a\u9002\u7528\u573a\u666f\u3001\u6280\u672f\u5b9e\u73b0\u548c\u7528\u6237\u4f53\u9a8c\u4e09\u4e2a\u65b9\u9762\u3002\u4ee5\u4e0b\u4ece\u4e13\u4e1a\u89d2\u5ea6\u8fdb\u884c\u7ed3\u6784\u5316\u5bf9\u6bd4\u5206\u6790\uff1a<\/p>\n<p>\u4e00\u3001\u5e95\u5c42\u6e05\u7b97\u4f53\u7cfb\u5dee\u5f02<\/p>\n<ol>\n<li>\u672c\u5730\u652f\u4ed8\u7f51\u7edc\uff1a<\/li>\n<\/ol>\n<ul>\n<li>\u57fa\u4e8e\u6cf0\u56fd\u592e\u884c\u4e3b\u5bfc\u7684BAHTNET\u6e05\u7b97\u7cfb\u7edf<\/li>\n<li>\u91c7\u7528PromptPay\u5373\u65f6\u7ed3\u7b97\u534f\u8bae\uff08\u8f6c\u8d265\u79d2\u5230\u8d26\uff09<\/li>\n<li>\u652f\u6301Thai QR\u6807\u51c6\uff08\u4e0eEMVCo QR\u517c\u5bb9\u4f46\u9700\u7279\u6b8a\u914d\u7f6e\uff09<\/li>\n<\/ul>\n<p>2.\u56fd\u9645\u652f\u4ed8\u901a\u9053\uff1a<\/p>\n<ul>\n<li>SWIFT\u62a5\u6587\u7cfb\u7edf\u5e73\u5747\u8017\u65f68\u5c0f\u65f6\u4ee5\u4e0a<\/li>\n<li>Visa\/Mastercard\u4f7f\u7528ISO8583\u534f\u8bae<\/li>\n<li>\u8de8\u5883\u6c47\u6b3e\u4f9d\u8d56\u4ee3\u7406\u884c\u6a21\u5f0f\uff08\u901a\u5e38\u4ea7\u751f\u4e2d\u95f4\u884c\u8d39\u7528\uff09<\/li>\n<\/ul>\n<p>\u4e8c\u3001\u5408\u89c4\u6027\u8981\u6c42\u5bf9\u6bd4<\/p>\n<ol>\n<li>\u672c\u5730\u652f\u4ed8\u76d1\u7ba1\u6846\u67b6\uff1a<\/li>\n<\/ol>\n<ul>\n<li>\u53d7\u300a\u652f\u4ed8\u7cfb\u7edf\u6cd5\u6848B.E.2560\u300b\u7ea6\u675f<\/li>\n<li>\u5355\u7b14\u4ea4\u6613\u9650\u989d20\u4e07\u6cf0\u94e2\uff08\u7ea6\u54085,700\u7f8e\u5143\uff09<\/li>\n<li>\u5f3a\u5236SMF\u8ba4\u8bc1\uff08\u6cf0\u56fd\u91d1\u878d\u79d1\u6280\u5b89\u5168\u6807\u51c6\uff09<\/li>\n<\/ul>\n<p>2.\u8de8\u5883\u652f\u4ed8\u5408\u89c4\u6210\u672c\uff1a<\/p>\n<p>\u4e09\u3001\u652f\u4ed8\u6210\u672c\u7ed3\u6784\u5dee\u5f02<\/p>\n<ol>\n<li>\n<p><strong>\u672c\u5730\u652f\u4ed8\u8d39\u7528\u6a21\u578b<\/strong><\/p>\n<ul>\n<li>\u6cf0\u56fd\u94f6\u884c\u95f4\u8f6c\u8d26\uff1a\u901a\u5e380-5\u6cf0\u94e2\/\u7b14\uff08\u7ea6\u5408$0-0.15\uff09<\/li>\n<li>PromptPay\u626b\u7801\u652f\u4ed8\uff1a\u5546\u6237\u8d39\u73870.25%-0.75%\uff08\u4f4e\u4e8e\u56fd\u9645\u5361\uff09<\/li>\n<li>\u653f\u5e9c\u5f3a\u5236\u89c4\u5b9a\uff1a\u4e2a\u4eba\u95f4\u8f6c\u8d26\u22645\u4e07\u6cf0\u94e2\u514d\u624b\u7eed\u8d39<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u56fd\u9645\u652f\u4ed8\u6210\u672c\u6784\u6210<\/strong><br \/>\n| \u8d39\u7528\u7c7b\u578b | \u5178\u578b\u8d39\u7387\u8303\u56f4 | \u8bf4\u660e |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| \u8de8\u5883\u4ea4\u6613\u8d39 | 1%-3% | Visa\/MC\u57fa\u7840\u8bc4\u4f30\u8d39+\u8d27\u5e01\u8f6c\u6362\u8d39 |<br \/>\n| SWIFT\u6c47\u6b3e\u8d39 | <x-equation>15-40\/\u7b14 | \u542b\u4e2d\u95f4\u884c\u6263\u8d39(\u5e38\u635f\u5931<\/x-equation>10-20)    |<br \/>\n| Chargeback\u5904\u7406\u8d39| $15-50\/\u6b21 | \u4e89\u8bae\u4ea4\u6613\u7ba1\u7406\u6210\u672c |<\/p>\n<\/li>\n<\/ol>\n<p>\u56db\u3001\u6280\u672f\u5bf9\u63a5\u590d\u6742\u5ea6\u5bf9\u6bd4<\/p>\n<ol>\n<li>\n<p><strong>\u672c\u5730\u652f\u4ed8\u96c6\u6210\u7279\u70b9<\/strong><\/p>\n<ul>\n<li>API\u9075\u5faa\u6cf0\u56fd\u94f6\u884c\u534f\u4f1a\u300aDPS\u6807\u51c6\u300bv2.3<\/li>\n<li>OAuth2+\u56fd\u5bc6\u7b97\u6cd5SM4\u53cc\u91cd\u8ba4\u8bc1<\/li>\n<li>QR\u7801\u5fc5\u987b\u5305\u542bThai VAT\u53d1\u7968\u4fe1\u606f\u5b57\u6bb5<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u56fd\u9645\u901a\u9053\u6280\u672f\u8981\u6c42<\/strong><\/p>\n<\/li>\n<\/ol>\n<pre><code class=\"language-javascript\">\/\/ Stripe\/PayPal\u5178\u578b\u8de8\u5883\u652f\u4ed8\u8c03\u7528\u793a\u4f8b<br>\r\nstripe.paymentIntents.create({<br>\r\n currency: 'thb',<br>\r\n payment_method_types: ['card_present'],<br>\r\n capture_method: 'automatic' \/\/\u9700\u989d\u5916\u5904\u74063DS2\u9a8c\u8bc1<br>\r\n});<br>\r\n<\/code><\/pre>\n<p>\u4e94\u3001\u7ec8\u7aef\u7528\u6237\u884c\u4e3a\u5dee\u5f02<\/p>\n<ol>\n<li><strong>\u6cf0\u56fd\u672c\u571f\u504f\u597d\u6570\u636e<\/strong>\uff082023\u592e\u884c\u62a5\u544a\uff09\uff1a<\/li>\n<\/ol>\n<ul>\n<li>e-Wallet\u4f7f\u7528\u738773%\uff08TrueMoney\u4e3b\u5bfc\uff09<\/li>\n<li>&lt;30\u5c81\u7528\u623786%\u9996\u9009\u626b\u7801\u800c\u975eNFC<\/li>\n<li>Bank Transfer\u5360\u7535\u5546\u7ed3\u7b97\u91cf\u768461%<\/li>\n<\/ul>\n<p>2.<strong>\u56fd\u9645\u7528\u6237\u75db\u70b9\u8c03\u7814<\/strong><\/p>\n<pre><code>Top3\u62d2\u4ed8\u539f\u56e0\uff1a<br>\r\n\u2460\u8d27\u5e01\u8f6c\u6362\u5dee\u4ef7(38%) <br>\r\n\u2461\u672a\u663e\u793aDCC\u52a8\u6001\u6c47\u7387(29%)<br>\r\n\u2462\u5f53\u5730\u6536\u5355\u884c\u98ce\u63a7\u62e6\u622a(23%)<br>\r\n<\/code><\/pre>\n<p>\u516d\u3001\u98ce\u63a7\u673a\u5236\u5bf9\u6bd4\u8868<\/p>\n<table>\n<thead>\n<tr>\n<th>\u7ef4\u5ea6<\/th>\n<th>\u6cf0\u56fd\u5b9e\u65f6\u53cd\u6b3a\u8bc8\u7cfb\u7edf<\/th>\n<th>\u56fd\u9645\u5361\u7ec4\u7ec7\u89c4\u5219<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u89e6\u53d1\u6761\u4ef6<\/td>\n<td>\u5355\u8d26\u6237&gt;5\u6b21\/\u5206\u949f\u4ea4\u6613<\/td>\n<td>AVS\/CVV\u6821\u9a8c\u5931\u8d25<\/td>\n<\/tr>\n<tr>\n<td>\u5904\u7f6e\u65b9\u5f0f<\/td>\n<td>-\u81ea\u52a8\u51bb\u7ed324\u5c0f\u65f6<br \/>-\u53d1\u9001OTP\u786e\u8ba4<\/td>\n<td>-\u5f3a\u5236\u53d1\u8d773DS\u9a8c\u8bc1<br \/>-\u63d0\u9ad8\u4fdd\u8bc1\u91d1\u8981\u6c42<\/td>\n<\/tr>\n<tr>\n<td>\u8bef\u5224\u7387     \t \t  \u00a0 \u00a0 \u00a0 \u00a0\u00a0 \u00a0<\/td>\n<td>&lt;0 .7%(\u592e\u884c\u76d1\u7ba1\u4e0a\u9650) \u00a0 \u00a0 \u00a0 \u00a0 \u00a0<\/td>\n<td>&gt;12%(Visa2022\u5e74\u62a5\u6570\u636e)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5efa\u8bae\u5b9e\u65bd\u7b56\u7565\uff1a<br \/>\n1.B\u7aef\u573a\u666f\uff1a\u4f18\u5148\u5bf9\u63a5SCB\/EasyPay\u7b49\u672c\u5730\u6536\u5355\u65b9\uff0c\u5c06\u8de8\u5883\u901a\u9053\u4f5c\u4e3afallback\u65b9\u6848<br \/>\n2.C\u7aef\u4ea7\u54c1\uff1a\u5fc5\u987b\u5b9e\u73b0\u300c\u53cc\u8f68\u8ba1\u4ef7\u300d\u529f\u80fd\uff08THB\/USD\u5e76\u884c\u663e\u793a\uff09<br \/>\n\u6ce8\uff1a\u6839\u636e\u6cf0\u56fd\u5916\u6c47\u7ba1\u5236\u6cd5\uff0c\u8d85\u8fc75\u4e07\u7f8e\u5143\u7b49\u503c\u4ed8\u6b3e\u9700\u63d0\u4ea4BOI\u5907\u6848<\/p>","protected":false},"excerpt":{"rendered":"<p>\u6cf0\u56fd\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u5728\u591a\u4e2a\u7ef4\u5ea6\u5b58\u5728\u663e\u8457\u5dee\u5f02\uff0c\u4e3b\u8981\u4f53\u73b0\u4e3a\u9002\u7528\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":[31],"tags":[],"class_list":["post-3136","post","type-post","status-publish","format-standard","hentry","category-31"],"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>\u6cf0\u56fd\u672c\u5730\u652f\u4ed8 vs \u56fd\u9645\u652f\u4ed8\uff0c\u6709\u4f55\u533a\u522b\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\/06\/02\/\u6cf0\u56fd\u672c\u5730\u652f\u4ed8-vs\u56fd\u9645\u652f\u4ed8\uff0c\u6709\u4f55\u533a\u522b\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u6cf0\u56fd\u672c\u5730\u652f\u4ed8 vs \u56fd\u9645\u652f\u4ed8\uff0c\u6709\u4f55\u533a\u522b\uff1f\" \/>\n<meta property=\"og:description\" content=\"\u6cf0\u56fd\u672c\u5730\u652f\u4ed8\u4e0e\u56fd\u9645\u652f\u4ed8\u5728\u591a\u4e2a\u7ef4\u5ea6\u5b58\u5728\u663e\u8457\u5dee\u5f02\uff0c\u4e3b\u8981\u4f53\u73b0\u4e3a\u9002\u7528&hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/zh\/2025\/06\/02\/\u6cf0\u56fd\u672c\u5730\u652f\u4ed8-vs\u56fd\u9645\u652f\u4ed8\uff0c\u6709\u4f55\u533a\u522b\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=\"2025-06-02T05:21:39+00:00\" \/>\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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