{"id":3166,"date":"2025-06-03T13:24:20","date_gmt":"2025-06-03T05:24:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3166"},"modified":"2025-06-03T13:24:20","modified_gmt":"2025-06-03T05:24:20","slug":"%e8%b6%8a%e5%8d%97%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%ef%bc%9a%e6%9c%89%e5%93%aa%e4%ba%9b%e5%b9%b3%e5%8f%b0%e6%94%af%e6%8c%81%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/03\/%e8%b6%8a%e5%8d%97%e8%b7%a8%e5%a2%83%e6%94%af%e4%bb%98%ef%bc%9a%e6%9c%89%e5%93%aa%e4%ba%9b%e5%b9%b3%e5%8f%b0%e6%94%af%e6%8c%81%ef%bc%9f\/","title":{"rendered":"\u8d8a\u5357\u8de8\u5883\u652f\u4ed8\uff1a\u6709\u54ea\u4e9b\u5e73\u53f0\u652f\u6301\uff1f"},"content":{"rendered":"<h1>\u8d8a\u5357\u8de8\u5883\u652f\u4ed8\uff1a\u6709\u54ea\u4e9b\u5e73\u53f0\u652f\u6301\uff1f<\/h1>\n<h2>\u4e00\u3001\u8d8a\u5357\u8de8\u5883\u652f\u4ed8\u5e02\u573a\u6982\u51b5<\/h2>\n<p>\u8fd1\u5e74\u6765\uff0c\u968f\u7740\u4e2d\u8d8a\u8d38\u6613\u5f80\u6765\u65e5\u76ca\u9891\u7e41\uff0c\u8de8\u5883\u7535\u5546\u84ec\u52c3\u53d1\u5c55\uff0c\u8d8a\u5357\u5df2\u6210\u4e3a\u4e2d\u56fd\u4f01\u4e1a\u51fa\u6d77\u7684\u91cd\u8981\u76ee\u7684\u5730\u4e4b\u4e00\u3002\u636e\u7edf\u8ba1\u6570\u636e\u663e\u793a\uff0c2022\u5e74\u4e2d\u8d8a\u53cc\u8fb9\u8d38\u6613\u989d\u7a81\u78342300\u4ebf\u7f8e\u5143\uff0c\u540c\u6bd4\u589e\u957f5.8%\u3002\u5728\u8fd9\u4e00\u80cc\u666f\u4e0b\uff0c\u4e86\u89e3\u652f\u6301\u8d8a\u5357\u5e02\u573a\u7684\u8de8\u5883\u652f\u4ed8\u5e73\u53f0\u53d8\u5f97\u5c24\u4e3a\u91cd\u8981\u3002<\/p>\n<h2>\u4e8c\u3001\u4e3b\u6d41\u56fd\u9645\u652f\u4ed8\u5e73\u53f0\u5728\u8d8a\u5357\u7684\u5e94\u7528<\/h2>\n<h3>1. PayPal<\/h3>\n<p>\u4f5c\u4e3a\u5168\u7403\u77e5\u540d\u7684\u5728\u7ebf\u652f\u4ed8\u7cfb\u7edf\uff0cPayPal\u5728\u8d8a\u5357\u62e5\u6709\u5e7f\u6cdb\u7528\u6237\u57fa\u7840\u3002\u8be5\u5e73\u53f0\u652f\u6301\u7f8e\u5143\u548cVND(\u8d8a\u5357\u76fe)\u4e4b\u95f4\u7684\u5151\u6362\u7ed3\u7b97\u3002<\/p>\n<p><strong>\u4f18\u52bf\u7279\u70b9\uff1a<\/strong><\/p>\n<ul>\n<li>\u56fd\u9645\u8ba4\u53ef\u5ea6\u9ad8<\/li>\n<li>\u4ea4\u6613\u5b89\u5168\u4fdd\u969c\u5b8c\u5584<\/li>\n<li>\u652f\u6301\u591a\u79cd\u8d27\u5e01\u7ed3\u7b97<\/li>\n<\/ul>\n<p><strong>\u9002\u7528\u573a\u666f\uff1a<\/strong><br \/>\n\u4e3b\u8981\u9002\u7528\u4e8eB2C\u8de8\u5883\u7535\u5546\u96f6\u552e\u548c\u5c0f\u989d\u4ea4\u6613\u3002<\/p>\n<h3>2. Stripe<\/h3>\n<p>Stripe\u8fd1\u5e74\u79ef\u6781\u62d3\u5c55\u4e1c\u5357\u4e9a\u5e02\u573a\uff0c\u5df2\u83b7\u5f97\u5728\u8d8a\u5357\u8fd0\u8425\u7684\u8bb8\u53ef\u3002<\/p>\n<p><strong>\u6838\u5fc3\u529f\u80fd\uff1a<\/strong><\/p>\n<ul>\n<li>API\u96c6\u6210\u7b80\u4fbf<\/li>\n<li>\u8ba2\u9605\u4ed8\u6b3e\u6a21\u5f0f\u652f\u6301\u826f\u597d<\/li>\n<li>fraud\u9632\u62a4\u673a\u5236\u5148\u8fdb<\/li>\n<\/ul>\n<h3>3. TransferWise(\u73b0\u540dWise)<\/h3>\n<p>\u4e13\u6ce8\u4e8e\u5916\u6c47\u8f6c\u8d26\u670d\u52a1\uff1a<\/p>\n<ul>\n<li>\u6c47\u7387\u900f\u660e\u516c\u5f00<\/li>\n<li>\u624b\u7eed\u8d39\u7ed3\u6784\u6e05\u6670<\/li>\n<li>\u5230\u8d26\u901f\u5ea6\u5feb<\/li>\n<\/ul>\n<p>\u7279\u522b\u9002\u5408\u4e2d\u5c0f\u4f01\u4e1a\u8fdb\u884c\u6279\u91cf\u8d27\u6b3e\u7ed3\u7b97\u3002<\/p>\n<p>\u4e09\u3001\u4e2d\u56fd\u80cc\u666f\u7684\u8de8\u5883\u652f\u4ed8\u89e3\u51b3\u65b9\u6848<\/p>\n<p>1. Alipay Global(\u652f\u4ed8\u5b9d\u56fd\u9645\u7248)<br \/>\n\u901a\u8fc7\u4e0e\u5f53\u5730\u94f6\u884c\u5408\u4f5c\u5b9e\u73b0\u4ee5\u4e0b\u529f\u80fd\uff1a<\/p>\n<p>\u221a \u4eba\u6c11\u5e01\u4e0eVND\u76f4\u63a5\u5151\u6362<br \/>\n\u221a \u626b\u7801\u4ed8\u6b3e\u8986\u76d6\u4e3b\u8981\u5546\u5708<br \/>\n\u221a \u7ebf\u4e0a\u5546\u57ce\u65e0\u7f1d\u5bf9\u63a5<\/p>\n<p>\u76ee\u524d\u63a5\u5165\u5546\u6237\u5305\u62ecVinCommerce\u3001Thegioididong\u7b49\u77e5\u540d\u54c1\u724c\u3002<\/p>\n<p>2. WeChat Pay Vietnam<br \/>\n\u5fae\u4fe1\u652f\u4ed8\u7684\u672c\u5730\u5316\u7248\u672c\u5177\u6709\uff1a<\/p>\n<p>\u2022 \u5c0f\u7a0b\u5e8f\u5185\u95ed\u73af\u652f\u4ed8\u4f53\u9a8c<br \/>\n\u2022 \u7ea2\u5305\u7b49\u793e\u4ea4\u8425\u9500\u5de5\u5177\u6574\u5408<br \/>\n\u2022 \u9010\u6b65\u6269\u5927\u7684\u53d7\u7406\u7f51\u7edc<\/p>\n<p>\u91cd\u70b9\u670d\u52a1\u4e8e\u4e2d\u56fd\u6e38\u5ba2\u548c\u534e\u4eba\u793e\u7fa4\u6d88\u8d39\u573a\u666f\u3002<\/p>\n<p>\u56db\u3001\u672c\u571f\u5316\u4e13\u4e1a\u670d\u52a1\u673a\u6784<\/p>\n<p>1. MoMo Wallet<br \/>\n\u5e02\u573a\u4efd\u989d\u9886\u5148\u7684\u7535\u5b50\u94b1\u5305\u63d0\u4f9b:<\/p>\n<p>\u2611\ufe0f\u6c34\u7535\u7164\u751f\u6d3b\u7f34\u8d39<br \/>\n\u2611\ufe0f\u624b\u673a\u8bdd\u8d39\u5145\u503c<br \/>\n\u2611\ufe0f\u4e8c\u7ef4\u7801\u6536\u6b3e\u4f53\u7cfb<\/p>\n<p>\u65e5\u5747\u4ea4\u6613\u91cf\u8d85\u8fc7300\u4e07\u7b14\u3002<\/p>\n<p>2.ZaloPay<br \/>\n\u4f9d\u6258Zalo\u793e\u4ea4\u5e73\u53f0\u7684\u751f\u6001\u4f18\u52bf:<\/p>\n<p>\u2192\u793e\u4ea4\u8f6c\u8d26\u96f6\u624b\u7eed\u8d39<br \/>\n\u2192\u7ebf\u4e0b\u5546\u6237\u8986\u76d6\u7387\u6301\u7eed\u63d0\u5347<br \/>\n\u2192\u653f\u5e9c\u516c\u7528\u4e8b\u4e1a\u63a5\u53e3\u4e30\u5bcc<\/p>\n<p>3.VNPAY<br \/>\n\u94f6\u884c\u95f4\u6e05\u7b97\u7f51\u7edc\u6210\u719f:<\/p>\n<p>\u2714\ufe0f\u4f01\u4e1aAPI\u5bf9\u63a5\u6587\u6863\u5b8c\u5584<br \/>\n\u2714\ufe0f\u5927\u989dB\u7aef\u4e1a\u52a1\u7ecf\u9a8c\u4e30\u5bcc<br \/>\n\u2714\ufe0f\u53cd\u6d17\u94b1\u5408\u89c4\u4f53\u7cfb\u5065\u5168<\/p>\n<p>\u4e94\u3001\u9009\u62e9\u5efa\u8bae\u4e0e\u6ce8\u610f\u4e8b\u9879<\/p>\n<p>1.<strong>\u8d39\u7387\u6bd4\u8f83<\/strong><br \/>\n\u4e0d\u540c\u5e73\u53f0\u7684\u8d27\u5e01\u8f6c\u6362\u6210\u672c\u5dee\u5f02\u53ef\u8fbe1%-3%\uff0c\u5927\u5b97\u4ea4\u6613\u9700\u7cbe\u786e\u6d4b\u7b97\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u5e73\u53f0\u7c7b\u578b<\/th>\n<th>\u5e73\u5747\u624b\u7eed\u8d39\u7387<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u56fd\u9645\u901a\u7528\u578b<\/td>\n<td>2.5%-3%<\/td>\n<\/tr>\n<tr>\n<td>\u533a\u57df\u4e13\u4e1a\u5316<\/td>\n<td>1.8%-2%<\/td>\n<\/tr>\n<tr>\n<td>\u94f6\u884c\u76f4\u8fde\u901a\u9053<\/td>\n<td>&lt;1%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>2.<strong>\u5408\u89c4\u8981\u6c42<\/strong><br \/>\n\u6839\u636e\u7b2c101\/2017\/ND-CP\u53f7\u6cd5\u4ee4\u89c4\u5b9a\uff1a<br \/>\n\u25c6\u3000\u5355\u7b14\u8d852000\u4e07VND\u9700\u8eab\u4efd\u9a8c\u8bc1<br \/>\n\u25c6\u3000\u6708\u7d2f\u8ba1\u8d855000\u4e07VND\u89e6\u53d1\u98ce\u63a7\u5ba1\u6838<br \/>\n\u25c6\u3000\u7279\u5b9a\u5546\u54c1\u7c7b\u522b\u5b58\u5728\u7ba1\u5236\u9650\u5236<\/p>\n<p>3.<strong>\u6280\u672f\u5bf9\u63a5\u8003\u91cf\u56e0\u7d20<\/strong>:<br \/>\n\u25b8SLA\u670d\u52a1\u7b49\u7ea7\u4fdd\u8bc1 \u226599.%<br \/>\n\u25b8\u5cf0\u503c\u5e76\u53d1\u5904\u7406\u80fd\u529b\u8bc4\u4f30<br \/>\n\u25b8\u5bf9\u8d26\u6587\u4ef6\u683c\u5f0f\u517c\u5bb9\u6027\u6d4b\u8bd5<\/p>\n<p>4.<strong>\u65b0\u5174\u8d8b\u52bf\u5173\u6ce8<\/strong>:<br \/>\n2023\u5e74\u8bd5\u70b9\u4e2d\u7684\u592e\u884c\u6570\u5b57\u8d27\u5e01(CBDC)\u53ef\u80fd\u6539\u53d8\u73b0\u6709\u683c\u5c40\uff1b\u5148\u4e70\u540e\u4ed8(BNPL)\u6a21\u5f0f\u589e\u957f\u8fc5\u731b\uff1b\u5d4c\u5165\u5f0f\u91d1\u878d\u4ea7\u54c1\u521b\u65b0\u52a0\u901f\u3002<\/p>\n<p>\u901a\u8fc7\u4ee5\u4e0a\u5206\u6790\u53ef\u89c1,\u5f00\u62d3\u8d8a\u5357\u5e02\u573a\u9700\u8981\u6839\u636e\u5177\u4f53\u4e1a\u52a1\u5f62\u6001,\u7efc\u5408\u8bc4\u4f30\u5404\u652f\u4ed8\u65b9\u6848\u7684\u8d44\u91d1\u6548\u7387\u3001\u6210\u672c\u7ed3\u6784\u548c\u6269\u5c55\u5f39\u6027,\u5efa\u8bae\u4f18\u5148\u9009\u62e9\u540c\u65f6\u5177\u5907\u672c\u5730\u724c\u7167\u548c\u56fd\u9645\u8d44\u8d28\u7684\u6df7\u5408\u578b\u670d\u52a1\u5e73\u53f0\u4f5c\u4e3a\u5207\u5165\u70b9\u3002<\/p>\n<pre><code><\/code><\/pre>\n<h2>\u516d\u3001\u7ec6\u5206\u884c\u4e1a\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u63a8\u8350<\/h2>\n<h3>1. <strong>\u8de8\u5883\u7535\u5546\u5356\u5bb6<\/strong><\/h3>\n<p>\u5bf9\u4e8e\u901a\u8fc7Shopee\u3001Lazada\u7b49\u5e73\u53f0\u9500\u552e\u7684\u4e2d\u56fd\u5546\u5bb6\uff0c\u5efa\u8bae\u91c7\u7528\u7ec4\u5408\u65b9\u6848\uff1a<\/p>\n<ul>\n<li><strong>\u9996\u63a8\u65b9\u6848<\/strong>\uff1aAlipay+\u672c\u5730\u94b1\u5305\uff08MoMo\/ZaloPay\uff09<\/li>\n<li><strong>\u5907\u9009\u65b9\u6848<\/strong>\uff1aPayoneer\u6536\u5355+VNPAY\u63d0\u73b0<\/li>\n<li><strong>\u4f18\u52bf\u5bf9\u6bd4<\/strong>\uff1a<\/li>\n<\/ul>\n<table>\n<thead>\n<tr>\n<th>\u529f\u80fd\u9700\u6c42<\/th>\n<th>Alipay+\u672c\u5730\u94b1\u5305<\/th>\n<th>Payoneer+VNPAY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u7ed3\u7b97\u5468\u671f<\/td>\n<td>T+3<\/td>\n<td>T+7<\/td>\n<\/tr>\n<tr>\n<td>\u6c47\u7387\u635f\u5931<\/td>\n<td>&lt;0.8%<\/td>\n<td>~1.2%<\/td>\n<\/tr>\n<tr>\n<td>\u62d2\u4ed8\u5904\u7406<\/td>\n<td>\u5e73\u53f0\u627f\u62c5<\/td>\n<td>\u5546\u6237\u81ea\u7406<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<blockquote>\n<p><em>\u6ce8\uff1aT+3\u6307\u4ea4\u6613\u6210\u529f\u540e3\u4e2a\u5de5\u4f5c\u65e5\u5185\u5230\u8d26<\/em><\/p>\n<\/blockquote>\n<h3>2. <strong>\u6e38\u620f\/\u6570\u5b57\u5185\u5bb9\u884c\u4e1a<\/strong><\/h3>\n<p>\u8d8a\u5357\u624b\u6e38\u5e02\u573a\u5e74\u589e\u901f\u8fbe28%\uff0c\u9700\u7279\u522b\u6ce8\u610f\u865a\u62df\u5546\u54c1\u76d1\u7ba1\u8981\u6c42\uff1a<\/p>\n<ul>\n<li><strong>\u5408\u89c4\u901a\u9053<\/strong>\uff1aVNPT Pay\u3001Gate\u7b49\u6301\u724c\u652f\u4ed8\u5546<\/li>\n<li><strong>\u9ad8\u98ce\u9669\u70b9<\/strong>\uff1a\n<ul>\n<li>IAP\uff08\u5e94\u7528\u5185\u8d2d\u4e70\uff09\u5fc5\u987b\u63a5\u5165\u653f\u5e9c\u76d1\u63a7\u7cfb\u7edf<\/li>\n<li>\u226550\u4e07VND\u7684\u865a\u62df\u9053\u5177\u4ea4\u6613\u9700\u77ed\u4fe1\u4e8c\u6b21\u9a8c\u8bc1<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>3. <strong>B2B\u8d38\u6613\u4ed8\u6b3e<\/strong><\/h3>\n<p>\u5236\u9020\u4e1a\u539f\u6750\u6599\u91c7\u8d2d\u63a8\u8350\u94f6\u884c\u76f4\u8fde\u65b9\u6848\uff1a<\/p>\n<pre><code class=\"language-mermaid\">graph LR<br>\r\nA[\u4e2d\u56fd\u4f9b\u5e94\u5546] --&gt; B(\u6e23\u6253\u94f6\u884cVietnam)<br>\r\nB --&gt; C[\u8d8a\u5357\u76fe\u4fe1\u7528\u8bc1]<br>\r\nC --&gt; D{\u5f53\u5730\u5de5\u5382}<br>\r\nD --&gt; E[\u63d0\u5355\u7535\u5b50\u5316\u6838\u9a8c]<br>\r\nE --&gt; F[\u81ea\u52a8\u91ca\u653e\u8d27\u6b3e]<br>\r\n<\/code><\/pre>\n<p><em>\u7279\u70b9\uff1a\u5355\u7b14\u624b\u7eed\u8d39\u56fa\u5b9a800\u5143\uff0c\u9002\u540810\u4e07\u7f8e\u5143\u4ee5\u4e0a\u8ba2\u5355<\/em><\/p>\n<p>\u4e03\u3001\u5b9e\u64cd\u907f\u5751\u6307\u5357<\/p>\n<p>1.\u8d26\u6237\u51bb\u7ed3\u9884\u9632\u63aa\u65bd<br \/>\n2023\u5e74\u5e38\u89c1\u89e6\u53d1\u539f\u56e0\u7edf\u8ba1\uff1a<br \/>\n||\u9891\u6b21\u5360\u6bd4|<br \/>\n|&#8212;|&#8212;|<br \/>\n|\u540c\u4e00IP\u591a\u8d26\u53f7\u64cd\u4f5c|42%|<br \/>\n|\u77ed\u671f\u5185\u8d44\u91d1\u96c6\u4e2d\u8fdb\u51fa|33%|<br \/>\n|null;\u6536\u6b3e\u65b9\u654f\u611f\u884c\u4e1a\u5339\u914d\u5ea6\u4f4e|null;25%|<\/p>\n<p><em>\u5e94\u5bf9\u7b56\u7565<\/em>\uff1a<br \/>\n\u2713 IP\u5730\u5740\u4e0e\u6ce8\u518c\u5730\u4e00\u81f4\u5316\u914d\u7f6e<br 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