{"id":3552,"date":"2025-10-18T14:13:02","date_gmt":"2025-10-18T06:13:02","guid":{"rendered":"https:\/\/www.deekpay.com\/?p=3552"},"modified":"2025-10-18T14:13:02","modified_gmt":"2025-10-18T06:13:02","slug":"%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%89%8b%e7%bb%ad%e8%b4%b9%e7%bb%93%e6%9e%84%e8%af%a6%e8%a7%a3","status":"publish","type":"post","link":"https:\/\/www.deekpay.com\/zh\/2025\/10\/18\/%e5%ad%9f%e5%8a%a0%e6%8b%89%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e7%9a%84%e6%89%8b%e7%bb%ad%e8%b4%b9%e7%bb%93%e6%9e%84%e8%af%a6%e8%a7%a3\/","title":{"rendered":"\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u7684\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3"},"content":{"rendered":"<h1>\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3<\/h1>\n<h2>\u4e3b\u8981\u652f\u4ed8\u65b9\u5f0f\u53ca\u8d39\u7528\u6982\u89c8<\/h2>\n<h3>1. \u94f6\u884c\u5361\u652f\u4ed8<\/h3>\n<ul>\n<li>\n<p><strong>\u672c\u5730\u501f\u8bb0\u5361<\/strong>:<\/p>\n<ul>\n<li>Visa\/Mastercard: 2.0-3.5% + <x-equation>0.10-<\/x-equation>0.30\/\u7b14<\/li>\n<li>bKash\u501f\u8bb0\u5361: ~2.5%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u56fd\u9645\u4fe1\u7528\u5361<\/strong>:<\/p>\n<ul>\n<li>Visa\/Mastercard: ~3.5-4.5%<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3>2. Mobile Financial Services (MFS)<\/h3>\n<ul>\n<li>\n<p><strong>bKash<\/strong>:<br \/>\n\u4ea4\u6613\u91d1\u989d | P2P\u8d39\u7387 |\u5546\u6237\u6536\u6b3e\u8d39\u7387<br \/>\n500BDT\u4ee5\u4e0b|\u514d\u8d39|1%-1.85%<br \/>\n500BDT\u4ee5\u4e0a|~8BDT\u56fa\u5b9a\u8d39|1%-1.85%<\/p>\n<\/li>\n<li>\n<p><strong>Nagad\/Rocket\/Upay<\/strong>:<br \/>\n\u7c7b\u4f3cbKash\uff0c\u4f46\u901a\u5e38\u4f4e0.-05\u4e2a\u767e\u5206\u70b9<\/p>\n<\/li>\n<\/ul>\n<h3>3.NPSB(\u56fd\u5bb6\u652f\u4ed8\u4ea4\u6362\u673a)\u6e20\u9053<\/h3>\n<p>\u9002\u7528\u4e8e\u94f6\u884c\u95f4\u8f6c\u8d26\uff1a<\/p>\n<ul>\n<li>ACH\u8f6c\u8d26\uff1a~15BDT\/\u7b14(\u5927\u989d\u4ea4\u6613\u66f4\u7ecf\u6d4e)<\/li>\n<\/ul>\n<h2>\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3\uff08\u7eed\uff09<\/h2>\n<h3>4. <strong>\u94f6\u884c\u76f4\u8fde\u6e20\u9053<\/strong><\/h3>\n<ul>\n<li>\n<p><strong>IBFT(\u5373\u65f6\u94f6\u884c\u8f6c\u8d26)<\/strong>\uff1a<\/p>\n<ul>\n<li>\u8d39\u7387\uff1a0.5%-1.5%\uff08\u901a\u5e38\u6709\u6700\u4f4e\u6536\u8d3910-25BDT\uff09<\/li>\n<li>\u7279\u70b9\uff1a\u5b9e\u65f6\u5230\u8d26\uff0c\u9002\u5408\u5927\u989d\u4ea4\u6613<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u4f01\u4e1a\u7f51\u94f6\u652f\u4ed8<\/strong>\uff1a<\/p>\n<ul>\n<li>B2B\u4ea4\u6613\uff1a\u56fa\u5b9a\u8d39\u752850-200BDT\/\u7b14<\/li>\n<li>B2C\u4ea4\u6613\uff1a\u7c7b\u4f3cIBFT\u8d39\u7387<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h3><strong>\u8de8\u5883\u652f\u4ed8\u7279\u6b8a\u8d39\u7528<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u5916\u6c47\u8f6c\u6362\u8d39<\/strong>\uff1a<\/p>\n<ul>\n<li>USD\/BDT\u5151\u6362\u52a0\u65360.5%-2%<\/li>\n<li>SWIFT\u6c47\u6b3e\u989d\u591615-30\u7f8e\u5143\u4e2d\u95f4\u884c\u8d39\u7528<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u56fd\u9645\u6536\u5355\u9644\u52a0\u8d39<\/strong>\uff1a<br \/>\n|\u5361\u7ec4\u7ec7|\u57fa\u7840\u8d39\u7387|\u8de8\u5883\u9644\u52a0\u8d39|<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|Visa|3%|+0.8%|<br \/>\n|Mastercard|3%|+0.7%|<br \/>\n|AMEX|3.5%|-|<\/p>\n<\/li>\n<\/ol>\n<h3><strong>\u884c\u4e1a\u5dee\u5f02\u5b9a\u4ef7<\/strong><\/h3>\n<p>1.<strong>\u7535\u5546\u5e73\u53f0\u4f18\u60e0<\/strong>\uff1a<br \/>\n\u6708\u6d41\u6c34&gt;500\u4e07BDT\u53ef\u8c08\u5224\u81f3:<br \/>\n\u94f6\u884c\u5361:1.-8%<\/p>\n<p>2.<strong>\u653f\u5e9c\u7f34\u8d39\u4e13\u7528\u901a\u9053<\/strong>:<br \/>\n\u56fa\u5b9a0.BDT\/\u7b14(\u653f\u7b56\u8865\u8d34)<\/p>\n<h3><em>\u9690\u85cf\u6210\u672c\u8b66\u793a<\/em><\/h3>\n<p>\u26a0\ufe0f\u9700\u7279\u522b\u6ce8\u610f:<br \/>\n\u2022\u7ed3\u7b97\u5468\u671f\u5ef6\u8fdf\u5bfc\u81f4\u7684\u6c47\u635f(\u7ea60.-05%\/\u5929)<br \/>\n\u2022\u62d2\u4ed8\u5904\u7406\u8d39(<x-equation>15-<\/x-equation>25\/\u6b21)<br \/>\n\u2022\u6708\u5ea6\u7ef4\u62a4\u8d39(300-BDT\u8d77)<\/p>\n<p>\u5efa\u8bae\u65b9\u6848\u7ec4\u5408:<br \/>\n\u5c0f\u989d\u9ad8\u9891\u2192bKash+Nagad<br \/>\n\u5927\u989d\u4f4e\u9891\u2192NPSB+IBFT<br \/>\n\u56fd\u9645\u6536\u6b3e\u2192\u4fe1\u7528\u5361+VISA Direct<\/p>\n<h2>\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u624b\u7eed\u8d39\u7ed3\u6784\u6df1\u5ea6\u89e3\u6790\uff08\u7eed\uff09<\/h2>\n<h3>5. <strong>\u65b0\u5174\u652f\u4ed8\u65b9\u5f0f\u8d39\u7528<\/strong><\/h3>\n<h4>a) BNPL\uff08\u5148\u4e70\u540e\u4ed8\uff09\u670d\u52a1<\/h4>\n<ul>\n<li><strong>\u4e3b\u8981\u63d0\u4f9b\u5546<\/strong>\uff1aDmoney\u3001ShurjoPay\u7684FlexiPay<\/li>\n<li><strong>\u6807\u51c6\u8d39\u7387<\/strong>\uff1a\n<ul>\n<li>\u5546\u6237\u7aef\uff1a3-6%\uff08\u542b\u98ce\u9669\u6210\u672c\uff09<\/li>\n<li>\u7528\u6237\u7aef\uff1a<br \/>\n|\u5206\u671f\u6570|\u5229\u7387(\u5e74\u5316)|\u624b\u7eed\u8d39|<br \/>\n|&#8212;|&#8212;|&#8212;|<br \/>\n|3\u671f|0%|50BDT\/\u7b14|<br \/>\n|6\u671f|12%|-|<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4>b) QR\u7801\u652f\u4ed8<\/h4>\n<ul>\n<li><strong>\u7edf\u4e00\u8d39\u7387\u67b6\u6784<\/strong>\uff1a\n<pre><code class=\"language-mermaid\">graph TD<br>\r\nA[\u6d88\u8d39\u8005\u626b\u7801] --&gt; B{\u91d1\u989d}<br>\r\nB --&gt;|\u2264300BDT| C[0.5%]<br>\r\nB --&gt;|&gt;300BDT| D[1.2%+10BDT]<br>\r\n<\/code><\/pre>\n<\/li>\n<\/ul>\n<h3>6. <strong>\u6e05\u7b97\u5c42\u7ea7\u9644\u52a0\u8d39<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u591a\u7ea7\u5206\u8d26\u573a\u666f<\/strong>\uff1a<\/p>\n<ul>\n<li>\u57fa\u7840\u8d39\u7387\u4e0a\u6bcf\u589e\u52a01\u4e2a\u5206\u8d26\u65b9\u52a0\u65360.-15%<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u4f8b\u5916\u60c5\u51b5\u5904\u7406\u8d39<\/strong>\uff1a<\/p>\n<ul>\n<li>\u9000\u6b3e\u9006\u5411\u7ed3\u7b97\uff1a\u539f\u4ea4\u6613\u8d39\u768430%-50%<br \/>\n-\u4e89\u8bae\u8c03\u5355:200-BDT\/\u6b21<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3><em>\u884c\u4e1a\u7279\u6b8a\u5b9a\u4ef7\u6848\u4f8b<\/em><\/h3>\n<p>1.<strong>\u8de8\u5883\u7535\u5546\u4e13\u5c5e\u901a\u9053<\/strong>(\u4ee5Daraz\u4e3a\u4f8b):<\/p>\n<ul>\n<li>Local Currency Settlement:<\/li>\n<\/ul>\n<pre><code class=\"language-bash\">\u9996\u5e74\u4f18\u60e0 = Base Rate \u00d7 (100%-25%)<br>\r\n<\/code><\/pre>\n<p>\u6761\u4ef6:\u65e5\u5747100+\u8ba2\u5355<\/p>\n<p>2.<strong>\u6559\u80b2\u7f34\u8d39\u7eff\u8272\u901a\u9053<\/strong>:<br \/>\n\u4eab\u53d7\u4e2d\u592e\u94f6\u884c\u8865\u8d34\u540e\u76840.BDT\u56fa\u5b9a\u8d39<\/p>\n<hr>\n<h2>\ud83d\udd0d2024\u5e74\u8d39\u7387\u53d8\u52a8\u9884\u6d4b<\/h2>\n<p>\ud83d\udcc8\u5373\u5c06\u751f\u6548\u7684\u91cd\u8981\u8c03\u6574:<br \/>\n\u2022 NPSB\u5c0f\u989d\u4ea4\u6613\u8d39\u964d\u81f38BDT(\u73b015BDT)<br \/>\n\u2022 bKash\u5c06\u5f15\u5165\u9636\u68af\u5f0f\u5c01\u9876\u8d39:<\/p>\n<pre><code>\u6708\u7d2f\u8ba1\u4ea4\u6613\u989d     \u5c01\u9876\u624b\u7eed\u8d39  <br>\r\n&lt;10\u4e07BDT       500BDT  <br>\r\n\u226510\u4e07BDT      800+\u8d85\u51fa\u90e8\u5206\u00d70.-05%<br>\r\n<\/code><\/pre>\n<p>\ud83d\udca1\u4f18\u5316\u5efa\u8bae:<br \/>\n\u5bf9\u4e8eSaaS\u5e73\u53f0\u53ef\u8003\u8651\u300c\u6df7\u5408\u8def\u7531\u7b56\u7565\u300d:<\/p>\n<pre><code class=\"language-python\">def payment_router(amount):<br>\r\n    if amount &lt;500: <br>\r\n        return 'bKash'<br>\r\n    elif500&lt;=amount&lt;20000: <br>\r\n        return 'NPSB'<br>\r\n    else:<br>\r\n        return 'IBFT+VISA' <br>\r\n<\/code><\/pre>\n<p>\u9700\u8981\u5177\u4f53\u67d0\u7c7b\u4e1a\u52a1\u7684\u7cbe\u7ec6\u5316\u6210\u672c\u6d4b\u7b97\u6a21\u677f\uff0c\u53ef\u4ee5\u63d0\u4f9b\u8be6\u7ec6\u5b57\u6bb5\u8bf4\u660e\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3 \u4e3b\u8981\u652f\u4ed8\u65b9\u5f0f\u53ca\u8d39\u7528\u6982\u89c8 1. &hellip;<\/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-3552","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>\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u7684\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3 - 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\/10\/18\/\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u7684\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3\/\" \/>\n<meta property=\"og:locale\" content=\"zh_TW\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u7684\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3\" \/>\n<meta property=\"og:description\" content=\"\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3 \u4e3b\u8981\u652f\u4ed8\u65b9\u5f0f\u53ca\u8d39\u7528\u6982\u89c8 1. &hellip;\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.deekpay.com\/zh\/2025\/10\/18\/\u5b5f\u52a0\u62c9\u652f\u4ed8\u901a\u9053\u7684\u624b\u7eed\u8d39\u7ed3\u6784\u8be6\u89e3\/\" \/>\n<meta property=\"og:site_name\" content=\"DEEKPAY-\u5370\u5ea6\u539f\u751f\u652f\u4ed8|\u5370\u5ea6UPI\u652f\u4ed8|\u5370\u5ea6\u4e09\u65b9\u56db\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-18T06:13:02+00:00\" \/>\n<meta name=\"author\" content=\"deekpay\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u4f5c\u8005:\" \/>\n\t<meta name=\"twitter:data1\" content=\"deekpay\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u9810\u4f30\u95b1\u8b80\u6642\u9593\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 \u5206\u9418\" \/>\n<script type=\"application\/ld+json\" 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