{"id":3174,"date":"2025-06-04T14:03:40","date_gmt":"2025-06-04T06:03:40","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3174"},"modified":"2025-06-04T14:03:40","modified_gmt":"2025-06-04T06:03:40","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e4%b8%ad%e7%9a%84%e4%bd%9c%e7%94%a8","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/04\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e8%b7%a8%e5%a2%83%e7%94%b5%e5%95%86%e4%b8%ad%e7%9a%84%e4%bd%9c%e7%94%a8\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u8de8\u5883\u7535\u5546\u4e2d\u7684\u4f5c\u7528"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts245.mm.bing.net\/th?q=paytm244\" alt=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u8de8\u5883\u7535\u5546\u4e2d\u7684\u4f5c\u7528\" title=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u8de8\u5883\u7535\u5546\u4e2d\u7684\u4f5c\u7528\"><\/p>\n<p>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u8de8\u5883\u7535\u5546\u4e2d\u626e\u6f14\u7740\u81f3\u5173\u91cd\u8981\u7684\u89d2\u8272\uff0c\u5c24\u5176\u5728\u8fde\u63a5\u5168\u7403\u5546\u5bb6\u4e0e\u5370\u5ea6\u6d88\u8d39\u8005\u65b9\u9762\u3002\u4ee5\u4e0b\u662f\u5176\u6838\u5fc3\u4f5c\u7528\u53ca\u5173\u952e\u7279\u70b9\u7684\u8be6\u7ec6\u5206\u6790\uff1a<\/p>\n<hr>\n<h3><strong>1. \u89e3\u51b3\u672c\u5730\u5316\u652f\u4ed8\u75db\u70b9<\/strong><\/h3>\n<ul>\n<li><strong>\u591a\u5143\u652f\u4ed8\u4e60\u60ef\u8986\u76d6<\/strong>\uff1a<br \/>\n\u5370\u5ea6\u652f\u4ed8\u751f\u6001\u9ad8\u5ea6\u788e\u7247\u5316\uff08UPI\u536040%\u3001\u94b1\u530515%\u3001\u4fe1\u7528\u5361\/\u501f\u8bb0\u536120%\uff09\uff0c\u4ec5\u652f\u6301\u56fd\u9645\u5361\u4f1a\u5bfc\u81f4\u4e22\u593160%\u4ee5\u4e0a\u7684\u6f5c\u5728\u5ba2\u6237\u3002\u4f8b\u5982\uff0cMeesho\u7b49\u793e\u4ea4\u7535\u5546\u5e73\u53f0\u901a\u8fc7\u96c6\u6210Paytm\u3001PhonePe\u540e\u8f6c\u5316\u7387\u63d0\u534735%\u3002<\/li>\n<li><strong>\u89c4\u907f\u76d1\u7ba1\u58c1\u5792<\/strong>\uff1a<br \/>\n\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff08RBI\uff09\u8981\u6c42\u8de8\u5883\u4ea4\u6613\u9700\u901a\u8fc7\u672c\u5730\u5b9e\u4f53\u7ed3\u7b97\u3002\u5982\u4e9a\u9a6c\u900a\u5370\u5ea6\u4f7f\u7528ACI Worldwide\u7684\u672c\u5730\u8def\u7531\uff0c\u5c06\u8de8\u5883\u4ea4\u6613\u5305\u88c5\u4e3a\u56fd\u5185UPI\u4ed8\u6b3e\u4ee5\u5408\u89c4\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>2. \u63d0\u5347\u8f6c\u5316\u7387\u7684\u6280\u672f\u4f18\u5316<\/strong><\/h3>\n<ul>\n<li><strong>\u667a\u80fd\u8def\u7531\u52a8\u6001\u5207\u6362<\/strong>\uff1a<br \/>\n\u9876\u7ea7\u7f51\u5173\u5982Razorpay\u63d0\u4f9b\u57fa\u4e8e\u6210\u529f\u7387\u4f18\u5316\u7684\u52a8\u6001\u8def\u7531\uff0c\u5f53ICICI\u94f6\u884c\u7f51\u5173\u6545\u969c\u65f6\u81ea\u52a8\u5207\u6362\u81f3HDFC\u6216Axis\u94f6\u884c\u901a\u9053\uff0c\u786e\u4fdd99.5%\u4ee5\u4e0a\u7684\u53ef\u7528\u6027\u3002<\/li>\n<li><strong>\u4e00\u952e\u652f\u4ed8\u4f53\u9a8c<\/strong>\uff1a<br \/>\nUPI\u7684\"VPA\u865a\u62df\u5730\u5740\"\u652f\u4ed8\u6d41\u7a0b\u4ec5\u97002\u6b65\uff08\u56fd\u9645\u5361\u9700\u8f93\u516516\u4f4d\u5361\u53f7+OTP\u7b496\u6b65\uff09\uff0cShein\u5e94\u7528\u96c6\u6210BHIM UPI\u540e\u5e73\u5747\u7ed3\u8d26\u65f6\u95f4\u4ece3\u5206\u949f\u964d\u81f322\u79d2\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>3. \u98ce\u63a7\u4e0e\u6210\u672c\u5e73\u8861\u7b56\u7565<\/strong><\/h3>\n<ul>\n<li><strong>\u5206\u5c42\u53cd\u6b3a\u8bc8\u7cfb\u7edf<\/strong>\uff1a<br \/>\n\u5b9e\u4f8b\uff1aCashfree\u5bf9&lt;1000\u5362\u6bd4\u4ea4\u6613\u4f7f\u7528\u8f7b\u91cf\u7ea7AI\u8bc4\u5206\uff08\u5904\u7406\u8017\u65f680ms\uff09\uff0c\u800c\u5bf9\u9ad8\u4ef7\u8ba2\u5355\u542f\u7528\u591a\u56e0\u7d20\u8ba4\u8bc1+\u4eba\u5de5\u590d\u6838\uff0c\u5c06\u6b3a\u8bc8\u7387\u63a7\u5236\u57280.07%\uff08\u884c\u4e1a\u5e73\u57470.15%\uff09\u3002<\/li>\n<li><strong>\u4f4e\u6210\u672c\u6e05\u7b97\u7f51\u7edc<\/strong>\uff1a<br \/>\n\u901a\u8fc7NPCI\u7684BBPS\u7cfb\u7edf\u8fdb\u884c\u6c34\u7535\u8d39\u7b49\u8d26\u5355\u652f\u4ed8\u65f6\uff0c\u6e05\u7b97\u6210\u672c\u4ec5\u4e3a\u56fd\u9645\u5361\u76841\/10\uff08\u7ea60.2%\u624b\u7eed\u8d39 vs Visa\/Mastercard\u76842.5%\uff09\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>4. \u65b0\u5174\u573a\u666f\u8d4b\u80fd<\/strong><\/h3>\n<ul>\n<li><em>BNPL<\/em>\u89e3\u51b3\u65b9\u6848\uff1a<br \/>\nPine Labs\u4e3a\u8de8\u5883\u7535\u5546\u63d0\u4f9bEMI\u5206\u671f\u670d\u52a1\uff0c\u5ba2\u5355\u4ef7\u63d0\u5347\u8fbe300%\uff08\u598215000\u5362\u6bd4\u7684\u7535\u5b50\u4ea7\u54c1\u5206\u671f12\u671f\u6708\u4ed81250\u5362\u6bd4\uff09\u3002<\/li>\n<\/ul>\n<h3><strong>5. \u7a0e\u52a1\u4e0e\u5408\u89c4\u81ea\u52a8\u5316<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>GST\u52a8\u6001\u8ba1\u7b97\u5f15\u64ce<\/strong>\uff1a<br \/>\n\u5370\u5ea6\u5bf9\u8de8\u5883B2C\u5546\u54c1\u5f81\u653618% IGST\uff08\u5982\u670d\u9970\uff09\u81f328%\uff08\u5982\u7535\u5b50\u4ea7\u54c1\uff09\u3002\u652f\u4ed8\u7f51\u5173\u5982PayU\u7684Smart Tax API\u53ef\u5b9e\u65f6\u8bc6\u522bHS Code\u5e76\u8ba1\u7b97\u7a0e\u8d39\uff0c\u907f\u514d\u6e05\u5173\u5ef6\u8bef\u3002\u4f8b\u5982\uff0cLenskart\u901a\u8fc7\u8be5\u529f\u80fd\u5c06\u6d77\u5173\u901a\u5173\u65f6\u95f4\u4ece72\u5c0f\u65f6\u7f29\u77ed\u81f38\u5c0f\u65f6\u3002<\/p>\n<\/li>\n<li>\n<p><strong>\u81ea\u52a8TCS\u4ee3\u6263\u4ee3\u7f34<\/strong>\uff1a<br \/>\n\u6839\u636e\u300a2020\u5e74\u8d22\u653f\u6cd5\u6848\u300b\uff0c\u7535\u5546\u5e73\u53f0\u9700\u4ee3\u62631% TCS\uff08\u6e90\u5934\u5f81\u7a0e\uff09\u3002Juspay\u7b49\u652f\u4ed8\u670d\u52a1\u5546\u63d0\u4f9b\u81ea\u52a8\u6263\u9664+\u62a5\u8868\u751f\u6210\u529f\u80fd\uff0c\u51cf\u5c11\u5546\u5bb6\u5408\u89c4\u6210\u672c\u3002\u6570\u636e\u663e\u793a\u624b\u52a8\u5904\u7406TCS\u7684\u5dee\u9519\u7387\u8fbe12%\uff0c\u800c\u81ea\u52a8\u5316\u65b9\u6848\u53ef\u5c06\u8bef\u5dee\u964d\u81f30.3%\u3002<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>6. \u4e0b\u6c89\u5e02\u573a\u6e17\u900f\u7b56\u7565<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>\u8bed\u97f3\/\u65b9\u8a00\u652f\u4ed8\u9a8c\u8bc1<\/strong>\uff1a<br \/>\n\u9488\u5bf9\u975e\u82f1\u8bed\u7528\u6237\uff08\u5360\u7f51\u8d2d\u4eba\u7fa467%\uff09\uff0cBharatPe\u63a8\u51fa\u5370\u5730\u8bed\/\u6cf0\u7c73\u5c14\u8bed\u8bed\u97f3OTP\u9a8c\u8bc1\uff0c\u4f7f\u4e8c\u7ebf\u57ce\u5e02\u7528\u6237\u652f\u4ed8\u6210\u529f\u7387\u63d0\u534741%\u3002<\/p>\n<\/li>\n<li>\n<p><em>\u79bb\u7ebf\u4ee3\u7406\u7f51\u7edc<\/em>\u6269\u5c55\uff1a<br \/>\nPayNearby\u901a\u8fc750\u4e07\u5bb6\u8857\u8fb9\u5c0f\u5e97\u63d0\u4f9b\"\u73b0\u91d1\u8f6c\u6570\u5b57\"\u670d\u52a1\uff0c\u7528\u6237\u53ef\u7ebf\u4e0b\u5b58\u6b3e\u81f3\u865a\u62df\u8d26\u6237\u5b8c\u6210\u8de8\u5883\u8d2d\u7269\u3002\u8fd9\u4e00\u6a21\u5f0f\u5e2e\u52a9Mango\u7b49\u5feb\u65f6\u5c1a\u54c1\u724c\u89e6\u8fbe1.2\u4ebf\u65e0\u94f6\u884c\u8d26\u6237\u4eba\u7fa4\u3002<\/p>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>7. \u6570\u636e\u9a71\u52a8\u7684\u8fd0\u8425\u4f18\u5316<\/strong><\/h3>\n<ul>\n<li><em>\u5b9e\u65f6\u6e05\u7b97\u5206\u6790\u770b\u677f<\/em>\uff1a<br \/>\nRazorpay\u7684\u5546\u6237\u540e\u53f0\u63d0\u4f9b\u6bcf\u5c0f\u65f6\u66f4\u65b0\u7684\u6e05\u7b97\u6570\u636e\u70ed\u529b\u56fe\uff08\u5982\u4e0b\u56fe\uff09\uff0c\u663e\u793a\u5404\u90a6\u6210\u529f\u7387\u5dee\u5f02\u2014\u2014\u5580\u62c9\u62c9\u90a6\u56e0\u7f51\u7edc\u95ee\u9898\u6210\u529f\u7387\u4ec582%\uff0c\u800c\u5fb7\u91ccNCR\u5730\u533a\u8fbe98%\uff0c\u6307\u5bfc\u5546\u5bb6\u9488\u5bf9\u6027\u8c03\u6574\u7269\u6d41\u5408\u4f5c\u65b9\u3002<\/li>\n<\/ul>\n<pre><code>[\u793a\u4f8b\u70ed\u529b\u56fe]    <br>\r\n\u5fb7\u91cc \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u2588\u258a98% | \u5b5f\u4e70 \u2588\u2588\u2588\u2588\u2588\u2588\u2588\u258995%   <br>\r\n\u73ed\u52a0\u7f57\u5c14 \u2588\u2588\u2588\u2588\u2588\u2588\u258c88% | \u6bd4\u54c8\u5c14 \u2588\u2588\u2588\u2588\u258e76%<br>\r\n<\/code><\/pre>\n<ul>\n<li><em>\u5b63\u8282\u6027\u6d41\u91cf\u8c03\u5ea6<\/em>\uff1a<br \/>\n\u5728\u6392\u706f\u8282\u671f\u95f4\uff0cInstamojo\u4f1a\u81ea\u52a8\u5c0650%\u7684\u4ea4\u6613\u6d41\u91cf\u5207\u6362\u81f3\u5907\u7528\u901a\u9053\uff08Yes Bank + NPCI\u53cc\u8def\u7531\uff09\uff0c\u4ee5\u5e94\u5bf9\u4e3b\u901a\u9053\u53ef\u80fd\u51fa\u73b0\u7684\u5cf0\u503c\u62e5\u5835\uff08\u65e5\u5e38TPS\u4e3a2000\u6b21\/\u79d2 vs\u8282\u65e5\u671f\u95f48000\u6b21\/\u79d2\uff09\u3002<\/li>\n<\/ul>\n<hr>\n<h3><strong>8. \u672a\u6765\u6280\u672f\u5e03\u5c40\u65b9\u5411<\/strong><\/h3>\n<p>1\ufe0f\u20e3 <strong>UPI\u56fd\u9645\u5316\u7684\u53cc\u5411\u5e94\u7528<\/strong>\uff1aNPCI\u6b63\u4e0e\u65b0\u52a0\u5761PayNow\u7b49\u7cfb\u7edf\u4e92\u8054\uff0c\u672a\u6765\u5370\u5ea6\u6d88\u8d39\u8005\u53ef\u76f4\u63a5\u7528UPI\u5411\u6d77\u5916\u5546\u6237\u4ed8\u6b3e\uff08\u6d4b\u8bd5\u9636\u6bb5\u9650\u989d2000\u7f8e\u5143\/\u7b14\uff09\u3002\u8fd9\u5c06\u98a0\u8986\u73b0\u6709\u8de8\u5883\u6536\u5355\u6a21\u5f0f\u3002<\/p>\n<p>2\ufe0f\u20e3 <em>CBDC\u8bd5\u70b9\u6574\u5408<\/em>\uff1a\u5370\u5ea6\u6570\u5b57\u5362\u6bd4(e\u20b9)\u5df2\u63a5\u5165ICICI\u94f6\u884c\u7f51\u5173\uff0c\u8de8\u5883\u7535\u5546\u8bd5\u9a8c\u5373\u65f6\u7ed3\u7b97\u2014\u2014\u4f20\u7edfSWIFT\u8f6c\u8d26\u97001<del>3\u5929\u4e14\u624b\u7eed\u8d393%<\/del>5%\uff0c\u800ce\u20b9\u7ed3\u7b97\u53ef\u572810\u79d2\u5185\u5b8c\u6210\u4e14\u6210\u672c\u8fd1\u4e4e\u4e3a\u96f6\u3002<\/p>\n<hr>\n<h3>\u3010\u5173\u952e\u884c\u52a8\u5efa\u8bae\u3011<\/h3>\n<p>\u5bf9\u4e8e\u8ba1\u5212\u8fdb\u5165\u5370\u5ea6\u7684\u8de8\u5883\u7535\u5546\uff1a<br \/>\n\u2705 <em><strong>\u5fc5\u9009<\/strong><\/em> \uff1a\u81f3\u5c11\u96c6\u6210\u4e09\u5927\u672c\u5730\u65b9\u5f0f\u2014\u2014UPI\u3001RuPay\u5361\u3001\u4e3b\u6d41\u94b1\u5305(PhonePe\/Paytm)<br \/>\n\u2705 <em><strong>\u63a8\u8350<\/strong><\/em> \uff1a\u91c7\u7528\u5177\u5907AI\u98ce\u63a7+\u591a\u94f6\u884c\u8def\u7531\u7684\u805a\u5408\u7f51\u5173(\u5982RazorpayX\u8de8\u5883\u65b9\u6848)<br \/>\n\u26a0\ufe0f <em><strong>\u907f\u5751<\/strong><\/em> 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