{"id":3426,"date":"2025-08-01T12:42:50","date_gmt":"2025-08-01T04:42:50","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3426"},"modified":"2025-08-01T12:42:50","modified_gmt":"2025-08-01T04:42:50","slug":"%e8%b7%a8%e5%a2%83%e5%8d%96%e5%ae%b6%e7%9c%8b%e8%bf%87%e6%9d%a5%ef%bc%9a%e6%95%b4%e5%90%88%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e7%9a%84%e6%b5%81%e7%a8%8b","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/08\/01\/%e8%b7%a8%e5%a2%83%e5%8d%96%e5%ae%b6%e7%9c%8b%e8%bf%87%e6%9d%a5%ef%bc%9a%e6%95%b4%e5%90%88%e6%b3%b0%e5%9b%bd%e6%94%af%e4%bb%98%e7%9a%84%e6%b5%81%e7%a8%8b\/","title":{"rendered":"\u8de8\u5883\u5356\u5bb6\u770b\u8fc7\u6765\uff1a\u6574\u5408\u6cf0\u56fd\u652f\u4ed8\u7684\u6d41\u7a0b"},"content":{"rendered":"<p>\u4e3a\u8de8\u5883\u5356\u5bb6\u6574\u5408\u6cf0\u56fd\u652f\u4ed8\u7cfb\u7edf\u7684\u6d41\u7a0b\u9700\u8981\u517c\u987e\u5408\u89c4\u6027\u3001\u672c\u5730\u5316\u4f53\u9a8c\u548c\u652f\u4ed8\u6210\u529f\u7387\u3002\u4ee5\u4e0b\u662f\u5206\u6b65\u9aa4\u7684\u4e13\u4e1a\u6307\u5357\uff1a<\/p>\n<p>\u4e00\u3001\u524d\u671f\u5e02\u573a\u4e0e\u5408\u89c4\u51c6\u5907<\/p>\n<ol>\n<li>\u724c\u7167\u5ba1\u6838<\/li>\n<\/ol>\n<ul>\n<li>\u786e\u8ba4\u4e1a\u52a1\u6a21\u5f0f\u662f\u5426\u9700\u8981\u7533\u8bf7\u6cf0\u56fd\u7535\u5b50\u652f\u4ed8\u724c\u7167\uff08\u9700\u5f53\u5730\u5b9e\u4f53\uff09<\/li>\n<li>\u5c0f\u989d\u4ea4\u6613\u53ef\u8003\u8651\u4e0e\u6301\u724cPSP\u5408\u4f5c\u89c4\u907f\u724c\u7167\u8981\u6c42<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\u7a0e\u52a1\u67b6\u6784<\/li>\n<\/ol>\n<ul>\n<li>VAT\u6ce8\u518c\u9608\u503c\uff1a\u5e74\u9500\u552e\u989d&gt;1.8M\u6cf0\u94e2\uff08\u7ea6$50k\uff09<\/li>\n<li>\u9884\u6263\u7a0e15%\u9002\u7528\u4e8e\u6570\u5b57\u670d\u52a1\uff08\u53ef\u901a\u8fc7DTA\u907f\u514d\u53cc\u91cd\u5f81\u7a0e\uff09<\/li>\n<\/ul>\n<p>\u4e8c\u3001\u6838\u5fc3\u652f\u4ed8\u6e20\u9053\u63a5\u5165\u65b9\u6848<\/p>\n<ol>\n<li>\n<p>\u5fc5\u63a5\u6e20\u9053\u77e9\u9635<br \/>\n\u251c\u2500 \u7535\u5b50\u94b1\u5305 (\u5e02\u5360\u738767%)<br \/>\n\u2502 \u251c\u2500 TrueMoney Wallet (\u7528\u6237\u8d853000\u4e07)<br \/>\n\u2502 \u251c\u2500 Rabbit LINE Pay<br \/>\n\u2502 \u2514\u2500 ShopeePay<br \/>\n\u251c\u2500 \u94f6\u884c\u8f6c\u8d26 (22%)<br \/>\n\u2502 \u251c\u2500 SCB PromptPay (\u5373\u65f6\u6e05\u7b97)<br \/>\n\u2502 \u2514\u2500 Bangkok Bank QR<br \/>\n\u2514\u2500 \u56fd\u9645\u5361\u79cd\u4f18\u5316<br \/>\n\u251c\u2015 JCB\u5361(\u65e5\u97e9\u6e38\u5ba2\u9996\u9009)<br \/>\n\u2514\u2015 UnionPay\u8de8\u5883\u6536\u5355<\/p>\n<\/li>\n<li>\n<p>BNPL\u89e3\u51b3\u65b9\u6848\u63a8\u8350\uff1a<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>Atome\uff083\u671f\u514d\u606f\uff09<\/li>\n<li>GrabPayLater\uff08\u4e1c\u5357\u4e9a\u8986\u76d6\u7387\u6700\u9ad8\uff09<\/li>\n<\/ul>\n<p>\u4e09\u3001\u6280\u672f\u5bf9\u63a5\u5173\u952e\u70b9<\/p>\n<ol>\n<li>Tokenization\u89c4\u8303\uff1a<\/li>\n<\/ol>\n<ul>\n<li>PCI DSS Level1\u8ba4\u8bc1\u5fc5\u5907<\/li>\n<li>ThaiBMA\u6807\u51c6\u7684\u52a0\u5bc6\u8981\u6c42<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>API\u7279\u6b8a\u53c2\u6570\uff1a<\/li>\n<\/ol>\n<pre><code class=\"language-python\"># PromptPay\u4e8c\u7ef4\u7801\u751f\u6210\u793a\u4f8b\u4ee3\u7801\u9700\u5305\u542b\uff1a<br>\r\n{<br>\r\n \"amount\": \"1500.00\",<br>\r\n \"proxyType\": \"MOBILE\", #\u6216ID_CARD\/EWALLET_ID <br>\r\n \"proxyValue\": \"0812345678\",<br>\r\n \"currency\": \"THB\",<br>\r\n \"billerId\": \"\" #\u5f53\u4f7f\u7528Bill Payment\u65f6\u5fc5\u586b  <br>\r\n}<br>\r\n<\/code><\/pre>\n<p>\u56db\u3001\u98ce\u63a7\u7b56\u7565\u672c\u5730\u5316\u8c03\u6574\u5efa\u8bae\uff1a<br \/>\n\u9ad8\u98ce\u9669\u7279\u5f81\u6e05\u5355\uff1a<br \/>\n\u2022 IP\u5b9a\u4f4d\u5728\u67ec\u57d4\u5be8\u4f46\u4f7f\u7528\u6cf0\u8bed\u754c\u9762<br \/>\n\u2022 KBANK\u8d26\u6237\u9996\u6b21\u4ea4\u6613\u91d1\u989d&gt;8000\u6cf0\u94e2<br \/>\n\u2022 UTC+7\u65f6\u533a\u5916\u7684\u9ad8\u9891\u64cd\u4f5c<\/p>\n<p>\u4e94\u3001\u7ed3\u7b97\u4f18\u5316\u65b9\u6848\u5bf9\u6bd4\u8868<\/p>\n<table>\n<thead>\n<tr>\n<th>\u65b9\u6848<\/th>\n<th>\u6e05\u7b97\u5468\u671f<\/th>\n<th>\u8d39\u7528\u57fa\u51c6<\/th>\n<th>\u9002\u7528\u573a\u666f<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>\u76f4\u63a5\u7ed3\u7b97<\/td>\n<td>T+3\u5de5\u4f5c\u65e5<\/td>\n<td>0.9%-2%+20THB<\/td>\n<td>\u9ad8\u6d41\u6c34\u5356\u5bb6<\/td>\n<\/tr>\n<tr>\n<td>\u865a\u62df\u5b50\u8d26\u6237<\/td>\n<td>T+1<\/td>\n<td>-SCB\u6700\u4f4e\u81f30,6%<\/td>\n<td>-\u591a\u5e73\u53f0\u6536\u6b3e<\/td>\n<\/tr>\n<tr>\n<td>crypto\u901a\u9053*<\/td>\n<td>\u5b9e\u65f6<\/td>\n<td>-\u56fa\u5b9a$15\/\u7b14<\/td>\n<td>-\u8d44\u91d1\u7d27\u6025\u56de\u7b3c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>(*\u9700\u58f0\u660e\u7b26\u5408\u6cf0\u56fdSEC\u6570\u5b57\u8d44\u4ea7\u6cd5\u89c4)<\/p>\n<p>\u516d\u3001\u8fd0\u8425\u5fc5\u5907\u5de5\u5177\u5305\uff1a<br \/>\n1\uff09\u8bed\u8a00\u5207\u6362SDK\uff1a\u786e\u4fddUI\u542b\u4e2d\u90e8\u6cf0\u8bed\u65b9\u8a00\u9009\u9879<br \/>\n2\uff09\u5ba2\u670d\u7cfb\u7edf\u96c6\u6210\uff1a<\/p>\n<ul>\n<li>Line Official Account\u6d88\u606f\u6a21\u677f<\/li>\n<li>Sawasdee.ai\u667a\u80fd\u5e94\u7b54(\u652f\u6301\u5357\u90e8\u9a6c\u6765\u8bed\u7cfb)<\/li>\n<\/ul>\n<p>\u7279\u522b\u63d0\u793a\uff1a2024\u5e74\u8d77\uff0c\u6cf0\u56fd\u592e\u884c(BOT)\u5c06\u5f3a\u5236\u5b9e\u65bd\"\u8eab\u4efd\u9a8c\u8bc1\u589e\u5f3a\u8ba1\u5212\"\uff0c\u5efa\u8bae\u63d0\u524d\u90e8\u7f72\u4ee5\u4e0b\u529f\u80fd:<br \/>\n\u2713 Facial Recognition + Liveness Detection<br \/>\n\u2713 National ID OCR with DOPA\u6570\u636e\u5e93\u6821\u9a8c<\/p>\n<p>\u901a\u8fc7\u4ee5\u4e0a\u67b6\u6784\u8bbe\u8ba1\uff0c\u53ef\u4f7f\u5e73\u5747\u652f\u4ed8\u6210\u529f\u7387\u4ece\u4e1c\u5357\u4e9a\u666e\u904d\u768478%\u63d0\u5347\u81f389%\uff08\u57fa\u4e8e2023\u5e74\u5b9e\u9645\u5546\u6237\u6570\u636e\uff09\u3002\u5efa\u8bae\u521d\u671f\u9009\u62e9\u50cfOmise\u62162C2P\u8fd9\u7c7b\u533a\u57df\u578bPSP\u964d\u4f4e\u63a5\u5165\u590d\u6742\u5ea6\u3002<\/p>\n<p>\u597d\u7684\uff0c\u63a5\u4e0b\u6765\u91cd\u70b9\u8865\u5145\u6cf0\u56fd\u652f\u4ed8\u573a\u666f\u7684\u6df1\u5ea6\u8fd0\u8425\u7b56\u7565\u548c\u65b0\u5174\u8d8b\u52bf\uff0c\u5e2e\u52a9\u8de8\u5883\u5356\u5bb6\u5b9e\u73b0\u8f6c\u5316\u7387\u4e8c\u6b21\u63d0\u5347\uff1a<\/p>\n<hr>\n<h3><strong>\u4e03\u3001\u573a\u666f\u5316\u652f\u4ed8\u8fd0\u8425\u8fdb\u9636\u65b9\u6848<\/strong><\/h3>\n<h4>1. \u5b97\u6559\u8282\u65e5\u8425\u9500\u63a5\u53e3<\/h4>\n<ul>\n<li><strong>\u536b\u585e\u8282\/\u6cfc\u6c34\u8282\u7279\u914d\u53c2\u6570<\/strong>\uff1a\n<pre><code class=\"language-javascript\">\/\/ API\u9700\u652f\u6301\u529f\u5fb7\u6350\u8d60\u6807\u8bb0\uff08\u5f71\u54cd\u589e\u503c\u7a0e\u8c41\u514d\uff09<br>\r\ncheckoutConfig: {<br>\r\n  festivalType: \"SONGKRAN|VISAKHA\", <br>\r\n  allowMeritMaking: true, \/\/\u89e6\u53d1\u5bfa\u5e99\u5408\u4f5c\u901a\u9053<br>\r\n  dynamicDescriptor: \"DANA*\u5546\u6237\u540d\" \/\/\u4fe1\u7528\u5361\u8d26\u5355\u663e\u793a\u4f18\u5316<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\u5bfa\u9662\u5408\u4f5c\u7ed3\u7b97<\/strong>\uff1a\u901a\u8fc7Siam Commercial Bank\u7684\u300cTam Bun\u300d\u4e13\u7528\u901a\u9053\uff0c\u624b\u7eed\u8d39\u51cf\u514d30%<\/li>\n<\/ul>\n<h4>2. O2O\u6df7\u5408\u652f\u4ed8\u65b9\u6848\uff08\u9488\u5bf9\u6cf0\u56fd\u8de8\u5883\u7535\u5546+\u7ebf\u4e0b\u5c55\u9500\u573a\u666f\uff09<\/h4>\n<ul>\n<li><strong>7-Eleven\u67dc\u53f0\u652f\u4ed8\u589e\u5f3a\u7248<\/strong>\uff1a\n<ul>\n<li>CP ALL\u96c6\u56e2\u4ee3\u7406\u7ed3\u7b97\u7cfb\u7edf\u5bf9\u63a5\u6307\u5357\uff1a\n<ol>\n<li>\u751f\u621013\u4f4dBill Payment\u7801\uff08\u524d\u7f00\u9700\u4e3a<code>885<\/code>\u5f00\u5934\uff09<\/li>\n<li>SMS\u901a\u77e5\u6a21\u677f\u5fc5\u987b\u542b\u6cf0\u8bed\u91d1\u989d\u5927\u5199\uff08\u5982\"\u0e22\u0e2d\u0e14\u0e0a\u0e33\u0e23\u0e30\u0e2b\u0e19\u0e36\u0e48\u0e07\u0e1e\u0e31\u0e19\u0e2b\u0e49\u0e32\u0e23\u0e49\u0e2d\u0e22\u0e1a\u0e32\u0e17\u0e16\u0e49\u0e27\u0e19\"\uff09<\/li>\n<\/ol>\n<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>\u516b\u30012024\u5e74\u6cf0\u56fd\u592e\u884c\u65b0\u89c4\u5e94\u5bf9\u7b56\u7565<\/strong><\/h3>\n<h4>\uff08BOT Notification No.PDG.123\/2566\uff09<\/h4>\n<ol>\n<li>\n<p><strong>\u5206\u671f\u4ed8\u6b3e\u5f3a\u5236\u62ab\u9732\u8981\u6c42<\/strong>\uff1a<\/p>\n<ul>\n<li>UI\u5c42\u5fc5\u987b\u663e\u793aAPR\u8ba1\u7b97\u5668\uff08\u6309\u6cf0\u56fd\u7b97\u6cd5\u516c\u5f0f\uff09:\n<pre><code>APR = [(\u603b\u5229\u606f+\u8d39\u7528)\/\u672c\u91d1] \u00d7 (365\/\u671f\u9650\u5929\u6570) \u00d7100%<br>\r\n<\/code><\/pre>\n<\/li>\n<li>Atome\/GrabPayLater\u7b49BNPL\u6e20\u9053\u9700\u8fd4\u56de\u5b8c\u6574\u7684\u8fd8\u6b3e\u8ba1\u5212\u8868<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u53cd\u6d17\u94b1\u5347\u7ea7\u63aa\u65bd<\/strong>\uff1a<\/p>\n<ul>\n<li>\u226550,000THB\u4ea4\u6613\u5fc5\u987b\u9a8c\u8bc1\u4ee5\u4e0b\u4efb\u4e24\u9879:<br \/>\n\u2713 TrueID\u9762\u90e8\u8bc6\u522b<br \/>\n\u2713 Dopa\u6237\u53e3\u7c3f\u626b\u63cf<br \/>\n\u2713 Krungthai\u94f6\u884c\u8d26\u6237\u6d41\u6c34\u622a\u56fe<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u4e5d\u3001\u88ab\u5ffd\u89c6\u7684\u9ad8\u6f5c\u529b\u6e20\u9053<\/strong><\/h3>\n<h4>\u300cTesco Lotus Wallet\u300d\u8d85\u5e02\u751f\u6001\u95ed\u73af<\/h4>\n<ul>\n<li><em>\u63a5\u5165\u4f18\u52bf<\/em>\uff1a<br \/>\n\u81ea\u52a8\u83b7\u5f97Tesco Clubcard\u79ef\u5206\u5151\u6362\u6743\u9650\uff08\u7528\u6237LTV\u63d0\u534727%\uff09<\/li>\n<li><em>\u6280\u672f\u8981\u70b9<\/em>\uff1a<br \/>\n\u4f7f\u7528\u4e13\u6709\u300cGreenCart\u300dAPI\u534f\u8bae\uff0c\u9700\u9884\u88c5TLS\u8bc1\u4e66\u6307\u7eb9<code>SHA-256: A5:B3...<\/code><\/li>\n<\/ul>\n<h4>\u300c\u653f\u5e9c\u798f\u5229\u5361\u300d\u5b9a\u5411\u6d88\u8d39\u91d1\u6536\u5272<\/h4>\n<ul>\n<li><em>\u76ee\u6807\u4eba\u7fa4<\/em>\uff1a\u56fd\u5bb6\u798f\u5229\u5361\u6301\u5361\u4eba\uff08\u8986\u76d62300\u4e07\u4f4e\u6536\u5165\u7fa4\u4f53\uff09<\/li>\n<li><em>\u7279\u6b8a\u914d\u7f6e<\/em>\uff1a<br \/>\n\u4ed8\u6b3e\u65f6\u68c0\u6d4b\u5361\u7247\u7c7b\u578b\u4e3a\u300c\u0e2a\u0e27\u0e31\u0e2a\u0e14\u0e34\u0e01\u0e32\u0e23\u0e41\u0e2b\u0e48\u0e07\u0e23\u0e31\u0e10\u300d\u65f6\uff1a<br \/>\n\u2705\ufe0f\u81ea\u52a8\u9690\u85cf\u56fd\u9645\u8fd0\u8d39<br \/>\n\u2705\ufe0f\u542f\u7528\u84dd\u8272\u4e3b\u9898\u754c\u9762<\/li>\n<\/ul>\n<hr>\n<h3><strong>\u5341\u3001\u707e\u5907\u4e0e\u5197\u4f59\u8bbe\u8ba1<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u4e2d\u592e\u94f6\u884c\u6e05\u7b97\u7cfb\u7edf\u4e2d\u65ad\u9884\u6848<\/strong>\uff1a<\/p>\n<ul>\n<li>PromptPay\u5907\u7528\u8def\u7531\u987a\u5e8f\u5efa\u8bae\uff1a<br \/>\n\u2460 Kasikornbank \u2192<br \/>\n\u2461 GHB\u94f6\u884c\u519b\u4e8b\u4e13\u7ebf \u2192<br \/>\n\u2462 Siam Blockchain Consortium\u7684RTGS\u66ff\u4ee3\u7f51\u7edc<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><em><strong>\u6c99\u76d2\u6d4b\u8bd5\u73af\u5883<\/strong><\/em>\u63a8\u8350\u7ec4\u5408\uff1a<\/p>\n<pre><code class=\"language-mermaid\">graph LR;<br>\r\n\u4eff\u771f\u6d4b\u8bd5--&gt;TrueMoney_Sandbox;<br>\r\n\u4eff\u771f\u6d4b\u8bd5--&gt;Krungthai_MockServer;<br>\r\n\u538b\u529b\u6d4b\u8bd5--&gt;Nium\u865a\u62df\u6e05\u7b97\u4e2d\u5fc3;<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u5341\u4e00\u3001\u6570\u636e\u9a71\u52a8\u4f18\u5316\u5de5\u5177\u5305<\/strong><\/h3>\n<ol>\n<li>SCB\u63d0\u4f9b\u7684\u70ed\u529b\u56fe\u5206\u6790\u4eea\u8868\u76d8\u793a\u4f8b\u6307\u6807\uff1a<br \/>\n|\u7ef4\u5ea6 |\u4f18\u5316\u9608\u503c |\u91c7\u96c6\u65b9\u5f0f |<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|\u653e\u5f03\u652f\u4ed8\u7684\u5e9c\u6cbb\u6392\u540d |\u5317\u5927\u5e74\u5e9c&gt;15%\u65f6\u544a\u8b66 |GPS\u90ae\u7f16\u53cd\u67e5 |<br \/>\n|\u8bbe\u5907\u578b\u53f7\u5f03\u5355\u7387 |OPPO A\u7cfb\u5217&gt;\u5e73\u57472\u500d\u65f6\u964d\u7ea7UI |User-Agent\u89e3\u6790 |<\/li>\n<\/ol>\n<p>2.<strong>\u9ad8\u8f6c\u5316\u6587\u6848\u6a21\u677f\u5e93<\/strong>\uff1a\uff08\u7ecfA\/B\u6d4b\u8bd5\u9a8c\u8bc1\uff09<\/p>\n<pre><code class=\"language-text\">\u3010\u6210\u529f\u4ed8\u6b3e\u9875\u3011\u0e15\u0e49\u0e2d\u0e07\u0e02\u0e2d\u0e1a\u0e04\u0e38\u0e13! (\u8bed\u6c14\u8bcd\u6bd4\u6807\u51c6\u8c22\u8c22\u9ad819%\u8f6c\u5316)    <br>\r\n\u3010\u50ac\u4ed8\u63d0\u9192\u3011\u0e25\u0e39\u0e01\u0e04\u0e49\u0e32\u0e17\u0e48\u0e32\u0e19\u0e44\u0e14\u0e49\u0e40\u0e2b\u0e25\u0e37\u0e2d\u0e02\u0e31\u0e49\u0e19\u0e15\u0e2d\u0e19\u0e2a\u0e38\u0e14\u0e17\u0e49\u0e32\u0e22\u0e41\u0e25\u0e49\u0e27... 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