{"id":3225,"date":"2025-06-06T11:13:27","date_gmt":"2025-06-06T03:13:27","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3225"},"modified":"2025-06-06T11:13:27","modified_gmt":"2025-06-06T03:13:27","slug":"%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e6%8e%a5%e5%85%a5%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/06\/%e5%a6%82%e4%bd%95%e4%b8%ba%e4%bd%a0%e7%9a%84%e7%94%b5%e5%95%86%e5%b9%b3%e5%8f%b0%e6%8e%a5%e5%85%a5%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%ef%bc%9f\/","title":{"rendered":"\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\uff1f"},"content":{"rendered":"<p>\u4e3a\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\u9700\u8981\u7efc\u5408\u8003\u8651\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981\u6c42\u548c\u4e3b\u6d41\u652f\u4ed8\u65b9\u5f0f\u3002\u4ee5\u4e0b\u662f\u5206\u6b65\u9aa4\u7684\u4e13\u4e1a\u65b9\u6848\uff1a<\/p>\n<ol>\n<li>\u5e02\u573a\u8c03\u7814\u4e0e\u5408\u89c4\u51c6\u5907<\/li>\n<\/ol>\n<ul>\n<li>\u786e\u8ba4\u4e1a\u52a1\u8d44\u8d28\uff1a\u9700\u5728\u5b5f\u52a0\u62c9\u56fd\u6ce8\u518c\u516c\u53f8\u6216\u4e0e\u672c\u5730\u4f01\u4e1a\u5408\u4f5c\uff08\u5916\u8d44\u7535\u5546\u9700\u901a\u8fc7\u672c\u5730\u4ee3\u7406\uff09<\/li>\n<li>\u7533\u8bf7BPGMEA\uff08\u5b5f\u52a0\u62c9\u7535\u5b50\u652f\u4ed8\u7f51\u5173\u8bb8\u53ef\uff09\u6216\u4e0e\u6301\u724cPSP\u5408\u4f5c<\/li>\n<li>VAT\u767b\u8bb0\uff08\u6807\u51c6\u7a0e\u7387\u4e3a15%\uff0c\u90e8\u5206\u6570\u5b57\u670d\u52a1\u53ef\u9002\u75285%\uff09<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u6838\u5fc3\u652f\u4ed8\u6e20\u9053\u6574\u5408<br \/>\n\u5efa\u8bae\u91c7\u7528\u5206\u5c42\u63a5\u5165\u7b56\u7565\uff1a<br \/>\n\u4e00\u7ea7\u6e20\u9053\uff08\u5fc5\u5907\uff09\uff1a<br \/>\n\u2022 bKash\uff08\u5360\u79fb\u52a8\u94b1\u530585%\u4efd\u989d\uff0cAPI\u6587\u6863\u5b8c\u5584\uff09<br \/>\n\u2022 Nagad\uff08\u653f\u5e9c\u80cc\u666f\uff0c2023\u5e74\u7528\u6237\u8fbe7000\u4e07\uff09<br \/>\n\u2022 Rocket (Dutch-Bangla Bank\u65d7\u4e0b)<\/li>\n<\/ol>\n<p>\u4e8c\u7ea7\u6e20\u9053\uff1a<br \/>\n\u2022 Upay\uff08\u65b0\u5174\u805a\u5408\u5e73\u53f0\uff09<br \/>\n\u2022 \u94f6\u884c\u76f4\u8fde\uff1aDBBL\/BRAC\/EBL\u7684\u7f51\u94f6\u63a5\u53e3<br \/>\n\u2022 \u5361\u6536\u5355\uff1a\u652f\u6301\u672c\u5730\u53d1\u884c\u7684Visa\/Mastercard\u501f\u8bb0\u5361<\/p>\n<ol start=\"3\"><\/p>\n<li>\u6280\u672f\u5b9e\u73b0\u65b9\u6848<br \/>\n\u63a8\u8350\u4e24\u79cd\u6a21\u5f0f\uff1a<br \/>\nA) \u5168\u6808\u81ea\u5efa\u65b9\u6848\uff1a<\/li>\n<\/ol>\n<ul>\n<li>API\u5bf9\u63a5\u5404\u652f\u4ed8\u63d0\u4f9b\u5546\u5f00\u53d1\u5305<\/li>\n<li>\u4f7f\u7528\u50cfSSLWireless\u8fd9\u6837\u7684\u805a\u5408\u7f51\u5173SDK<\/li>\n<li>Example\u8c03\u7528bKash Tokenized API:<\/li>\n<\/ul>\n<pre><code class=\"language-python\">def bkash_payment_request(amount, invoice):<br>\r\n    headers = {\"X-AppKey\": \"YOUR_MERCHANT_KEY\"}<br>\r\n    payload = {<br>\r\n        \"mode\": \"0011\", # Tokenized payment <br>\r\n        \"payerReference\": invoice,<br>\r\n        \"callbackURL\": \"https:\/\/yourdomain.com\/bkash\/callback\",<br>\r\n        \"amount\": str(amount),<br>\r\n        \"currency\": \"BDT\",<br>\r\n        \"intent\": \"sale\"<br>\r\n    }<br>\r\n    response = requests.post(<br>\r\n        'https:\/\/api.bkash.com\/tokenized\/checkout',<br>\r\n        json=payload,<br>\r\n        headers=headers)<br>\r\n<\/code><\/pre>\n<p>B) SaaS\u5316\u89e3\u51b3\u65b9\u6848:<\/p>\n<ul>\n<li>Signup with Payzaar\/Banglalink Payment Hub\u7b49\u672c\u5730\u805a\u5408\u5546<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li><strong>\u672c\u5730\u5316\u652f\u4ed8\u4f53\u9a8c\u4f18\u5316<\/strong><\/li>\n<\/ol>\n<ul>\n<li><strong>\u591a\u8bed\u8a00\u652f\u6301<\/strong>\uff1a\u786e\u4fdd\u7ed3\u8d26\u9875\u9762\u63d0\u4f9b<strong>\u5b5f\u52a0\u62c9\u8bed\uff08\u09ac\u09be\u0982\u09b2\u09be\uff09\u548c\u82f1\u8bed<\/strong>\u5207\u6362\uff0c\u51cf\u5c11\u7528\u6237\u6d41\u5931<\/li>\n<li><strong>\u77ed\u4fe1\/USSD\u56de\u9000<\/strong>\uff1a\u9488\u5bf9\u7f51\u7edc\u4e0d\u7a33\u5b9a\u5730\u533a\uff0c\u96c6\u6210bKash\/Nagad\u7684USSD\u652f\u4ed8\u56de\u8c03\uff08\u5982<code>*247#<\/code>\u89e6\u53d1\u652f\u4ed8\uff09<\/li>\n<li><strong>\u5206\u671f\u4ed8\u6b3e<\/strong>\uff1a\u63a5\u5165IDLC\u3001IPDC\u7b49\u672c\u5730\u91d1\u878d\u673a\u6784\u7684\u5206\u671f\u670d\u52a1\uff08\u5b5f\u52a0\u62c9\u7535\u5546\u5ba2\u5355\u4ef7\u8d855000BDT\u65f6\u8f6c\u5316\u7387\u63d0\u534740%\uff09<\/li>\n<li><strong>\u52a8\u6001\u8ba1\u4ef7<\/strong>\uff1a\u81ea\u52a8\u6362\u7b97BDT\u5e76\u663e\u793a\u672c\u5730\u8d27\u5e01\u7b26\u53f7\uff08\u09f3\uff09\uff0c\u907f\u514d\u6c47\u7387\u6df7\u6dc6<\/li>\n<\/ul>\n<ol start=\"5\"><\/p>\n<li><strong>\u98ce\u63a7\u4e0e\u5408\u89c4\u8fd0\u8425\u7b56\u7565<\/strong><\/li>\n<\/ol>\n<pre><code class=\"language-mermaid\">graph TD<br>\r\n    A[\u4ea4\u6613\u53d1\u8d77] --&gt; B{\u91d1\u989d\u226450\u4e07BDT?}<br>\r\n    B -- \u662f --&gt; C[\u5b9e\u65f6\u7ed3\u7b97]<br>\r\n    B -- \u5426 --&gt; D[\u4eba\u5de5\u5ba1\u6838+\u592e\u884c\u62a5\u5907]<br>\r\n    C --&gt; E[\u53cd\u6d17\u94b1\u7b5b\u67e5]<br>\r\n    E --&gt; F[Bangladesh Financial Intelligence Unit\u89c4\u5219]<br>\r\n<\/code><\/pre>\n<ul>\n<li>\u9075\u5b88BB\uff08\u5b5f\u52a0\u62c9\u592e\u884c\uff09\u7684\u300a\u5916\u6c47\u7ba1\u5236\u6761\u4f8b\u300b\uff1a\u5355\u7b14\u8de8\u5883\u6536\u6b3e\u8d85\u8fc7$500\u9700\u63d0\u4ea4Form C4<\/li>\n<li>\u5b9e\u65bd\u9636\u68af\u5f0f\u9a8c\u8bc1\uff1a\n<ul>\n<li>&lt;10,000BDT: OTP\u9a8c\u8bc1<\/li>\n<li>\n<blockquote>\n<p>10,000BDT: OTP+\u751f\u7269\u8bc6\u522b\uff08\u53c2\u8003Nagad FacePay API\uff09<\/p>\n<\/blockquote>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<ol start=\"6\"><\/p>\n<li><strong>\u6e05\u7b97\u4e0e\u5bf9\u8d26\u65b9\u6848<\/strong><br \/>\n\u63a8\u8350\u91c7\u7528\uff1a<\/li>\n<\/ol>\n<pre><code>\u4e3b\u7ed3\u7b97\u8d26\u6237:<br>\r\n\u94f6\u884c: Eastern Bank Limited (EBL)<br>\r\nSWIFT: EBLDBDDH <br>\r\n\u4e2d\u95f4\u884c: Standard Chartered NY<br>\r\n\u5907\u7528\u8def\u5f84:<br>\r\nBRAC Bank USD Nostro Account <br>\r\n<\/code><\/pre>\n<ol start=\"7\"><\/p>\n<li><strong>\u6d4b\u8bd5\u4e0e\u4e0a\u7ebf\u6d41\u7a0b<\/strong><\/li>\n<\/ol>\n<ol>\n<li>\n<p>Sandbox\u6d4b\u8bd5\uff1a<\/p>\n<ul>\n<li>bKash\u5f00\u53d1\u8005\u95e8\u6237\u83b7\u53d6\u6d4b\u8bd5\u8d26\u53f7 (+880184)<\/li>\n<li>Nagad\u6c99\u7bb1\u73af\u5883\u6a21\u62df\u5931\u8d25\u573a\u666f\u4ee3\u7801\u8868\uff1a<br \/>\n| Error Code | Meaning | Recommended Action |<br \/>\n|&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<br \/>\n| N40021 | Insufficient Balance | Show Nagad Top-up\u6307\u5357 |<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Beta\u7070\u5ea6\u53d1\u5e03\uff1a<\/p>\n<ul>\n<li>\u4f18\u5148\u5411\u8fbe\u5361\u3001\u5409\u5927\u6e2f\u7528\u6237\u5f00\u653e\u65b0\u652f\u4ed8\u65b9\u5f0f<\/li>\n<li>Monitor\u5173\u952e\u6307\u6807\uff1a<br \/>\n\u2022 bKash\u5e73\u5747\u8ba4\u8bc1\u8017\u65f6(\u76ee\u6807&lt;8\u79d2)<br \/>\n\u2022 Rocket\u4ea4\u6613\u5931\u8d25\u7387\u9608\u503c(\u62a5\u8b66\u7ebf&gt;15%)<\/li>\n<\/ul>\n<\/li>\n<li>\n<p>Full Launch\u540e\u7ef4\u62a4\uff1a<\/p>\n<ul>\n<li>\u6bcf\u6708\u4e0b\u8f7dBB\u8981\u6c42\u7684TRM\u62a5\u544a\u6a21\u677f\u63d0\u4ea4\u4ea4\u6613\u660e\u7ec6<\/li>\n<li>Q3\/Q4\u7279\u522b\u6ce8\u610f\u658b\u6708\u671f\u95f4\u7684\u6d41\u91cf\u5cf0\u503c\u9884\u6848<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<ol start=\"8\"><\/p>\n<li><strong>\u66ff\u4ee3\u65b9\u6848\u5bf9\u6bd4\u5206\u6790<\/strong><\/li>\n<\/ol>\n<table>\n<thead>\n<tr>\n<th><\/th>\n<th>Local PSP\u805a\u5408<\/th>\n<th>Stripe\u5168\u5c40\u65b9\u6848<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u6210\u529f\u7387<\/td>\n<td>~92% (\u4f18\u5316\u8def\u7531\u540e)<\/td>\n<td>~68% (\u5361\u62d2\u4ed8\u7387\u9ad8)<\/td>\n<\/tr>\n<tr>\n<td>\u624b\u7eed\u8d39<\/td>\n<td>1.8%-2.5% + VAT<\/td>\n<td>3.9% + $0.30<\/td>\n<\/tr>\n<tr>\n<td>\u7ed3\u7b97\u5468\u671f T+2 T+7<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>\u4f18\u52bf \u652f\u6301bKah\/Rocket\u7b49\u94b1\u5305 \u56fd\u9645\u4fe1\u7528\u5361\u8986\u76d6\u5e7f<\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5efa\u8bae\u521d\u671f\u91c7\u7528Local PSP\u5feb\u901f\u8d77\u91cf\uff0c\u5f85GMV\u8d85$50k\/\u6708\u540e\u518d\u8865\u5145Stripe\u5168\u7403\u6536\u5355\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u4e3a\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\u9700\u8981\u7efc\u5408\u8003\u8651\u5f53\u5730\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u8981\u6c42\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":[36],"tags":[],"class_list":["post-3225","post","type-post","status-publish","format-standard","hentry","category-36"],"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>\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\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\/06\/\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\uff1f\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5982\u4f55\u4e3a\u4f60\u7684\u7535\u5546\u5e73\u53f0\u63a5\u5165\u5b5f\u52a0\u62c9\u652f\u4ed8\uff1f\" \/>\n<meta property=\"og:description\" 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