{"id":3326,"date":"2025-06-15T18:38:20","date_gmt":"2025-06-15T10:38:20","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3326"},"modified":"2025-06-15T18:38:20","modified_gmt":"2025-06-15T10:38:20","slug":"%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/06\/15\/%e5%8d%b0%e5%ba%a6%e5%b0%bc%e8%a5%bf%e4%ba%9a%e6%94%af%e4%bb%98%e7%bd%91%e5%85%b3%e6%95%b4%e5%90%88%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88%e5%af%b9%e6%af%94\/","title":{"rendered":"\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u7f51\u5173\u6574\u5408\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4"},"content":{"rendered":"<h1>\u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u7f51\u5173\u6574\u5408\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4<\/h1>\n<h2>\u4e3b\u6d41\u652f\u4ed8\u7f51\u5173\u6982\u89c8<\/h2>\n<h3>1. Doku<\/h3>\n<ul>\n<li><strong>\u4f18\u52bf<\/strong>\uff1a\n<ul>\n<li>\u5370\u5c3c\u672c\u571f\u9886\u5148\u652f\u4ed8\u670d\u52a1\u5546<\/li>\n<li>\u652f\u6301\u591a\u79cd\u672c\u5730\u94f6\u884c\u8f6c\u8d26(ATM\u3001\u7f51\u94f6)<\/li>\n<li>Mandiri Clickpay\u548cBCA KlikPay\u96c6\u6210<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u52a3\u52bf<\/strong>\uff1a\n<ul>\n<li>API\u6587\u6863\u4e3b\u8981\u4e3a\u5370\u5c3c\u8bed<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u8d39\u7528<\/strong>\uff1a\u4ea4\u6613\u8d392.5%-3%<\/li>\n<\/ul>\n<h3>2. Midtrans (\u539fVeritrans)<\/h3>\n<ul>\n<li><strong>\u4f18\u52bf<\/strong>\uff1a\n<ul>\n<li>Gojek\u65d7\u4e0b\u516c\u53f8\uff0c\u5e02\u573a\u6e17\u900f\u7387\u9ad8<\/li>\n<li>\"One-Click\"\u5feb\u901f\u7ed3\u8d26\u529f\u80fd<\/li>\n<li>Fraud detection\u7cfb\u7edf\u5b8c\u5584<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u52a3\u52bf<\/strong>\uff1a\n<ul>\n<li>PCI DSS\u5408\u89c4\u8981\u6c42\u8f83\u9ad8<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u8d39\u7528<\/strong>\uff1a1.5%-3% +\u56fa\u5b9a\u8d39\u7528<\/li>\n<\/ul>\n<h3>Xendit<\/h3>\n<ul>\n<li><strong>\u4f18\u52bf<\/strong>\n<ul>\n<li>API\u53cb\u597d\uff0c\u5f00\u53d1\u8005\u4f53\u9a8c\u597d<\/li>\n<li>QRIS\u6807\u51c6\u4e8c\u7ef4\u7801\u652f\u4ed8\u652f\u6301<br \/>\n\u2014 OVO\u548cDANA\u7535\u5b50\u94b1\u5305\u76f4\u63a5\u96c6\u6210<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Key Comparison Factors<\/h2>\n<table>\n<thead>\n<tr>\n<th>Factor<\/th>\n<th>Doku<\/th>\n<th>Midtrans<\/th>\n<th>Xendit<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Local Bank Coverage<\/td>\n<td>\u2605\u2605\u2605\u2605\u2605<\/td>\n<td>\u2605\u2605\u2605\u2605\u2606<\/td>\n<td>\u2605\u2605\u2605\u2606\u2606<\/td>\n<\/tr>\n<tr>\n<td>E-Wallet Support<\/td>\n<td>Limited<\/td>\n<td>Extensive<\/td>\n<td>Excellent<\/td>\n<\/tr>\n<tr>\n<td>Settlement Time<\/td>\n<td>T+2<\/td>\n<td>T+1 \u2502 T+1<\/td>\n<td><\/td>\n<\/tr>\n<tr>\n<td>International Cards Processing Fee \u25024%\u25023.5%\u25023%<\/td>\n<td><\/td>\n<td><\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>Implementation Considerations<\/h2>\n<p><em>For SMEs<\/em>: Xendit\u63d0\u4f9b\u6700\u7b80\u5316\u7684\u6574\u5408\u6d41\u7a0b\uff0c72\u5c0f\u65f6\u5185\u53ef\u4e0a\u7ebf\u57fa\u672c\u529f\u80fd\u3002<\/p>\n<p><em>For Enterprise<\/em>: Midtrans\u7684\u5b9a\u5236\u5316\u6b3a\u8bc8\u9884\u9632\u65b9\u6848\u66f4\u9002\u5408\u5927\u989d\u4ea4\u6613\u573a\u666f\u3002<\/p>\n<p># \u5370\u5ea6\u5c3c\u897f\u4e9a\u652f\u4ed8\u7f51\u5173\u6574\u5408\u89e3\u51b3\u65b9\u6848\u5bf9\u6bd4\uff08\u7eed\uff09<\/p>\n<p> \u6df1\u5165\u529f\u80fd\u6bd4\u8f83<\/p>\n<p> 3. OVO Pay<br \/>\n\u2013 \u6838\u5fc3\u4f18\u52bf\uff1a<br \/>\n   \u2013 \u5370\u5c3c\u6700\u5927\u7535\u5b50\u94b1\u5305\uff089000\u4e07+\u7528\u6237\uff09<br \/>\n   \u2013 Gojek\u751f\u6001\u6df1\u5ea6\u6574\u5408<br \/>\n   \u2013 \u201cPayLater\u201d\u5206\u671f\u4ed8\u6b3e\u529f\u80fd<br \/>\n\u2013 \u7279\u6b8a\u9650\u5236\uff1a<br \/>\n   \u2013 \u4ec5\u9650\u5370\u5c3c\u6ce8\u518c\u4f01\u4e1a\u63a5\u5165<br \/>\n   \u2013 \u9700\u5355\u72ec\u7533\u8bf7\u5546\u4e1a\u8d26\u6237<\/p>\n<p> 4. LinkAja (\u539fTCash)<br \/>\n\u2013 \u653f\u5e9c\u80cc\u666f\uff1aTelkomsel\u3001Bank Mandiri\u7b49\u56fd\u4f01\u8054\u5408\u5f00\u53d1<br \/>\n\u2013 \u7279\u8272\u670d\u52a1\uff1a<br \/>\n   \u2013 Pulsa\u8bdd\u8d39\u5145\u503c\u573a\u666f\u8986\u76d6\u7387\u9ad8<br \/>\n   \u2013 BPJS\u793e\u4fdd\u7f34\u8d39\u901a\u9053<br \/>\n\u2013 \u8d39\u7387\u7ed3\u6784\uff1a1.5%\u57fa\u7840\u8d39\u7387+\u9636\u68af\u5f0f\u6fc0\u52b1  <\/p>\n<p> API\u6280\u672f\u6307\u6807\u5bf9\u6bd4<\/p>\n<p>| Service | Average API Latency | Webhook Reliability | SDK Support |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;-|<br \/>\n| Doku | ~450ms | 99.2% | Java\/PHP |<br \/>\n| Midtrans | ~380ms | 99.8% | Multi-platform |<br \/>\n| Xendit | ~320ms | 99.9% | React Native\u4e13\u5c5e |<\/p>\n<p> Regulatory Compliance\u91cd\u70b9\u5dee\u5f02<\/p>\n<p>1. 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