{"id":468,"date":"2025-05-12T14:06:03","date_gmt":"2025-05-12T06:06:03","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=468"},"modified":"2025-05-12T14:06:03","modified_gmt":"2025-05-12T06:06:03","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e6%97%85%e6%b8%b8%e8%a1%8c%e4%b8%9a%e7%9a%84%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/05\/12\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e5%9c%a8%e6%97%85%e6%b8%b8%e8%a1%8c%e4%b8%9a%e7%9a%84%e6%94%af%e4%bb%98%e8%a7%a3%e5%86%b3%e6%96%b9%e6%a1%88\/","title":{"rendered":"Payment Solutions for Indian Payment Channels in the Travel Industry"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts101.mm.bing.net\/th?q=phonepe100\" alt=\"Payment Solutions for Indian Payment Channels in the Travel Industry\" title=\"Payment Solutions for Indian Payment Channels in the Travel Industry\"><\/p>\n<p>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u65c5\u6e38\u884c\u4e1a\u7684\u5e94\u7528\u9700\u8981\u7ed3\u5408\u672c\u5730\u5316\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u653f\u7b56\u53ca\u6280\u672f\u9002\u914d\uff0c\u4ee5\u4e0b\u4e3a\u4e13\u4e1a\u89e3\u51b3\u65b9\u6848\u6846\u67b6\uff1a<\/p>\n<hr>\n<h3><strong>\u4e00\u3001\u6838\u5fc3\u652f\u4ed8\u65b9\u5f0f\u6574\u5408<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>UPI (Unified Payment Interface)<\/strong><\/p>\n<ul>\n<li>\u5b9e\u65f6\u94f6\u884c\u8f6c\u8d26\uff0c\u5360\u5370\u5ea6\u79fb\u52a8\u652f\u4ed875%\u4efd\u989d<\/li>\n<li>\u9700\u63a5\u5165PhonePe\/Google Pay\/Paytm\u7b49\u4e3b\u6d41UPI\u5e94\u7528<\/li>\n<li>\u652f\u6301\u4e8c\u7ef4\u7801\u626b\u7801\u652f\u4ed8\uff08\u9002\u5408\u7ebf\u4e0b\u65c5\u884c\u793e\/\u9152\u5e97\u573a\u666f\uff09<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>wallet system<\/strong><\/p>\n<ul>\n<li>Paytm\/MobiKwik\u7b49\u672c\u571f\u94b1\u5305\uff1a\u9884\u5145\u503c\u6a21\u5f0f\u9002\u5408\u9ad8\u9891\u5c0f\u989d\u4ea4\u6613\uff08\u5982\u666f\u70b9\u95e8\u7968\uff09<\/li>\n<li>\u9700\u9075\u5b88RBI\u300a\u9884\u4ed8\u5de5\u5177\u6761\u4f8b\u300bKYC\u8981\u6c42<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>Credit\/debit cards<\/strong><\/p>\n<ul>\n<li>Visa\/Mastercard\/RuPay\u7f51\u7edc\u5168\u8986\u76d6\uff08RuPay\u672c\u571f\u5361\u5360\u6bd4\u8d8560%\uff09<\/li>\n<li>\u5fc5\u987b\u652f\u6301EMV 3DS2.0\u8ba4\u8bc1\u4ee5\u7b26\u5408RBI\u5f3a\u9a8c\u8bc1\u8981\u6c42<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>BNPL\uff08\u5148\u4eab\u540e\u4ed8\uff09<\/strong><\/p>\n<ul>\n<li>LazyPay\/ZestMoney\u7b49\u5e73\u53f0\u5408\u4f5c\uff0c\u6ee1\u8db3\u4e2d\u4ea7\u9636\u7ea7\u5206\u671f\u9700\u6c42<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>NEFT\/RTGS<\/strong><br \/>\n\u9002\u7528\u4e8eB2B\u573a\u666f\uff08\u5982\u65c5\u884c\u793e\u4e0e\u9152\u5e97\u96c6\u56e2\u5927\u989d\u7ed3\u7b97\uff09<\/p>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u4e8c\u3001\u884c\u4e1a\u5b9a\u5236\u5316\u65b9\u6848<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u673a\u7968\u9884\u8ba2<\/strong><\/p>\n<ul>\n<li>PCI-DSS\u5408\u89c4\u7684Tokenization\u6280\u672f\u5b58\u50a8\u5361\u4fe1\u606f\uff08RBI\u5f3a\u5236\u8981\u6c42\uff09<\/li>\n<li>EMI\u9009\u9879\u96c6\u6210\uff08\u5982Axis Bank\/Citi\u7684\u5206\u671f\u670d\u52a1\uff09<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u9152\u5e97\u9884\u8ba2<\/strong><br \/>\n\u52a8\u6001\u4fdd\u8bc1\u91d1\u5904\u7406\uff1a\u901a\u8fc7\u9884\u6388\u6743\u51bb\u7ed3+UPI\u81ea\u52a8\u6263\u6b3e\u7ec4\u5408<\/p>\n<\/li>\n<\/ol>\n<p>3.<strong>OTA\u5e73\u53f0\u4f18\u5316<\/strong><br \/>\n\u4e00\u952e\u652f\u4ed8\u6d41\u7a0b\uff1a\u51cf\u5c11\u8df3\u8f6c\u6b65\u9aa4\uff0cUPI Deep Linking\u76f4\u8fde\u4ed8\u6b3e\u9875<\/p>\n<p>4.<strong>\u8de8\u5883\u4e1a\u52a1\u5904\u7406<\/strong><br \/>\n\u591a\u5e01\u79cd\u7ed3\u7b97\u7f51\u5173+FX\u5bf9\u51b2\u5de5\u5177\uff08\u987b\u6301FEMA\u724c\u7167\uff09<\/p>\n<hr>\n<h3><strong>\u4e09\u3001\u5173\u952e\u6280\u672f\u5b9e\u73b0<\/strong><\/h3>\n<pre><code class=\"language-python\"># UPI Deeplink\u751f\u6210\u793a\u4f8b (Python)<br>\r\nimport urllib.parse<br>\r\ndef generate_upi_link(vpa, amount, note):<br>\r\n    params = {<br>\r\n        &quot;pa&quot;: vpa,          # UPI ID<br>\r\n        &quot;pn&quot;: &quot;TravelCo&quot;, <br>\r\n        &quot;am&quot;: str(amount), <br>\r\n        &quot;tn&quot;: note,<br>\r\n        &quot;cu&quot;: &quot;INR&quot;<br>\r\n    }<br>\r\n    return f&quot;upi:\/\/pay?{urllib.parse.urlencode(params)}&quot;<br>\r\n<\/code><\/pre>\n<hr>\n<h3><strong>\u56db\u3001\u5408\u89c4\u8981\u70b9<\/strong><\/h3>\n<ul>\n<li>RBI\u300a\u6570\u5b57\u501f\u8d37\u6307\u5357\u300b\u5bf9BNPL\u7684\u9650\u5236<\/li>\n<li>GST\u53d1\u7968\u81ea\u52a8\u751f\u6210\u4e0eTDS\u4ee3\u6263<\/li>\n<li>DPDPA\u6570\u636e\u4fdd\u62a4\u6cd5\u4e0b\u7684\u654f\u611f\u4fe1\u606f\u5b58\u50a8\u89c4\u8303<\/li>\n<\/ul>\n<hr>\n<h3><strong>\u4e94\u3001\u63a8\u8350\u670d\u52a1\u5546<\/strong><\/h3>\n<table>\n<thead>\n<tr>\n<th>Provider<\/th>\n<th>\u4f18\u52bf\u9886\u57df<\/th>\n<th>API\u6587\u6863<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Razorpay<\/td>\n<td>UPI\u5168\u94fe\u8def<\/td>\n<td><a href=\"https:\/\/razorpay.com\/docs\/\">Docs<\/a><\/td>\n<\/tr>\n<tr>\n<td>PayU<\/td>\n<td>\u56fd\u9645\u5361\u6536\u5355<\/td>\n<td><a href=\"https:\/\/devguide.payu.in\/\">Docs<\/a><\/td>\n<\/tr>\n<tr>\n<td>Airpay<\/td>\n<td>B2B\u4f01\u4e1a\u4ed8\u6b3e<\/td>\n<td><a href=\"https:\/\/developer.Airpay.io\">Docs<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u5efa\u8bae\u9009\u62e9\u540c\u65f6\u652f\u6301\u300c\u5373\u65f6\u865a\u62df\u8d26\u6237\u5206\u914d\u300d\uff08\u7528\u4e8e\u56e2\u8d39\u5206\u8d26\uff09\u548c\u300c\u81ea\u52a8\u4e89\u8bae\u89e3\u51b3\u7cfb\u7edf\u300d\u7684\u6280\u672f\u4f9b\u5e94\u5546\u3002<\/p>\n<p>\u5982\u9700\u5177\u4f53\u5b9e\u65bd\u65b9\u6848\u8bc4\u4f30\u6216\u6c99\u7bb1\u6d4b\u8bd5\u5bf9\u63a5\uff0c\u53ef\u8fdb\u4e00\u6b65\u63d0\u4f9b\u4e1a\u52a1\u89c4\u6a21\u548c\u6280\u672f\u6808\u7ec6\u8282\u3002<\/p>\n<p>\u4ee5\u4e0b\u662f\u5370\u5ea6\u65c5\u6e38\u884c\u4e1a\u652f\u4ed8\u89e3\u51b3\u65b9\u6848\u7684\u8fdb\u9636\u5b9e\u65bd\u7ec6\u8282\uff0c\u6db5\u76d6\u6280\u672f\u96c6\u6210\u3001\u98ce\u63a7\u4f18\u5316\u53ca\u65b0\u5174\u8d8b\u52bf\uff1a<\/p>\n<hr>\n<h3><strong>\u516d\u3001\u52a8\u6001\u8d27\u5e01\u8f6c\u6362\uff08DCC\uff09\u4e0e\u8de8\u5883\u4f18\u5316<\/strong><\/h3>\n<ol>\n<li><strong>\u667a\u80fd\u8def\u7531\u7b97\u6cd5<\/strong>\n<ul>\n<li>\u5b9e\u65f6\u6bd4\u5bf9UPI\/\u5361\u7f51\u7edc\u7684\u6c47\u7387+\u624b\u7eed\u8d39\u7ec4\u5408<\/li>\n<\/ul>\n<pre><code class=\"language-java\">\/\/ \u4f2a\u4ee3\u7801\u793a\u4f8b\uff1a\u652f\u4ed8\u8def\u7531\u51b3\u7b56\u5f15\u64ce<br>\r\nif (userCurrency == INR) {<br>\r\n  routeToUPI(); \/\/ \u96f6\u8d27\u5e01\u8f6c\u6362\u8d39<br>\r\n} else {<br>\r\n  executeDCC(visaFxRates); \/\/ Visa\/Mastercard\u7684DCC\u65b9\u6848<br>\r\n}<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\u53cd\u6b3a\u8bc8\u591a\u5c42\u9632\u5fa1<\/strong><br \/>\n\u7ed3\u5408\u5370\u5ea6\u672c\u571f\u7279\u5f81\uff1a<\/p>\n<ul>\n<li>Aadhaar\u751f\u7269\u9a8c\u8bc1\uff08\u4ec5\u9650\u56fd\u5185\u6e38\u5ba2\uff09<\/li>\n<li>\u7535\u4fe1\u6570\u636e\u4ea4\u53c9\u9a8c\u8bc1\uff08\u5982Mobile Number Portability\u6570\u636e\u5e93\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<hr>\n<h3><strong>\u4e03\u3001\u5206\u8d26\u4e0e\u7ed3\u7b97\u81ea\u52a8\u5316<\/strong><\/h3>\n<ol>\n<li>\n<p><strong>\u65c5\u884c\u793e\u751f\u6001\u534f\u540c<\/strong><br \/>\n\u4f7f\u7528\u865a\u62df\u8d26\u6237\u6807\u8bb0\u5316\u6280\u672f\u5b9e\u73b0\uff1a<\/p>\n<ul>\n<li>\u5e73\u53f0\u4e3b\u8d26\u6237\u6536\u5355 \u2192 UPI\u81ea\u52a8\u5206\u8d26\u81f3\u9152\u5e97\/\u8f66\u961f\u4f9b\u5e94\u5546\uff08T+1\u7ed3\u7b97\uff09<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>GST\u7a0e\u52a1\u5d4c\u5165\u5f0f\u8ba1\u7b97<\/strong><br \/>\n\u6839\u636e\u670d\u52a1\u7c7b\u578b\u81ea\u52a8\u5e94\u7528\u4e0d\u540c\u7a0e\u7387\uff1a<br \/>\n| \u670d\u52a1\u7c7b\u578b       | GST\u7a0e\u7387 | \u5907\u6ce8                     |<br \/>\n|&#8212;&#8212;&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;|<\/p>\n<\/li>\n<\/ol>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u5728\u65c5\u6e38\u884c\u4e1a\u7684\u5e94\u7528\u9700\u8981\u7ed3\u5408\u672c\u5730\u5316\u652f\u4ed8\u4e60\u60ef\u3001\u76d1\u7ba1\u653f\u7b56\u53ca\u6280\u672f\u9002\u914d\uff0c\u4ee5\u4e0b\u4e3a\u4e13\u4e1a\u89e3\u51b3\u65b9\u6848\u6846\u67b6\uff1a \u4e00\u3001\u6838\u5fc3\u652f\u4ed8 [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11],"tags":[],"class_list":["post-468","post","type-post","status-publish","format-standard","hentry","category-11"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ 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