{"id":472,"date":"2025-05-13T10:39:09","date_gmt":"2025-05-13T02:39:09","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=472"},"modified":"2025-05-13T10:39:09","modified_gmt":"2025-05-13T02:39:09","slug":"%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e8%b7%a8%e5%a2%83%e7%bb%93%e7%ae%97%e7%9a%84%e5%90%88%e8%a7%84%e8%a6%81%e6%b1%82","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/05\/13\/%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%e8%b7%a8%e5%a2%83%e7%bb%93%e7%ae%97%e7%9a%84%e5%90%88%e8%a7%84%e8%a6%81%e6%b1%82\/","title":{"rendered":"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u8de8\u5883\u7ed3\u7b97\u7684\u5408\u89c4\u8981\u6c42"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts73.mm.bing.net\/th?q=phonepe72\" alt=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u8de8\u5883\u7ed3\u7b97\u7684\u5408\u89c4\u8981\u6c42\" title=\"\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u8de8\u5883\u7ed3\u7b97\u7684\u5408\u89c4\u8981\u6c42\"><\/p>\n<p>\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u7684\u8de8\u5883\u7ed3\u7b97\u6d89\u53ca\u590d\u6742\u7684\u5408\u89c4\u8981\u6c42\uff0c\u9700\u540c\u65f6\u9075\u5b88\u5370\u5ea6\u56fd\u5185\u6cd5\u89c4\u548c\u56fd\u9645\u6807\u51c6\u3002\u4ee5\u4e0b\u662f\u5173\u952e\u8981\u70b9\uff1a<\/p>\n<h3>\u4e00\u3001\u6838\u5fc3\u76d1\u7ba1\u673a\u6784<\/h3>\n<ol>\n<li><strong>\u5370\u5ea6\u50a8\u5907\u94f6\u884c\uff08RBI\uff09<\/strong>\uff1a\u4e3b\u8981\u76d1\u7ba1\u673a\u6784\uff0c\u9881\u5e03\u300a\u5916\u6c47\u7ba1\u7406\u6cd5\u300b\uff08FEMA\uff09<\/li>\n<li><strong>\u56fd\u9645\u91d1\u878d\u670d\u52a1\u4e2d\u5fc3\u7ba1\u7406\u5c40\uff08IFSCA\uff09<\/strong>\uff1a\u7ba1\u8f96GIFT City\u7b49\u56fd\u9645\u91d1\u878d\u4e2d\u5fc3\u7684\u8de8\u5883\u4e1a\u52a1<\/li>\n<li><strong>\u8d22\u653f\u90e8\u7a0e\u6536\u53f8<\/strong>\uff1a\u6d89\u53ca\u9884\u63d0\u7a0e\uff08TCS\/TDS\uff09\u548c\u5546\u54c1\u670d\u52a1\u7a0e\uff08GST\uff09<\/li>\n<\/ol>\n<h3>\u4e8c\u3001\u724c\u7167\u4e0e\u5907\u6848\u8981\u6c42<\/h3>\n<ol>\n<li>\n<p><strong>\u652f\u4ed8\u7cfb\u7edf\u8fd0\u8425\u5546\u724c\u7167<\/strong>::<\/p>\n<ul>\n<li>\u5fc5\u987b\u53d6\u5f97RBI\u9881\u53d1\u7684PA\/PG\u724c\u7167\uff08Payment Aggregator\/Payment Gateway\uff09<\/li>\n<li>\u8de8\u5883\u4e1a\u52a1\u9700\u989d\u5916\u7533\u8bf7AD II\u8bb8\u53ef\u8bc1\uff08Authorized Dealer Category II\uff09<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u7279\u6b8a\u767b\u8bb0<\/strong>::<\/p>\n<ul>\n<li>FEMA\u4e0b\u7684EPP(Export Payment Processing)\u5907\u6848<\/li>\n<li>GST\u6ce8\u518c\u53caIEC(Import Export Code)\u7f16\u7801<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<h3>\u4e09\u3001\u8d44\u91d1\u6d41\u52a8\u9650\u5236<\/h3>\n<table>\n<thead>\n<tr>\n<th>\u4ea4\u6613\u7c7b\u578b<\/th>\n<th>RBI\u9650\u989d\u89c4\u5b9a<\/th>\n<th>TCS\u7a0e\u7387<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>B2B\u8d27\u7269\u8d38\u6613<\/td>\n<td>\u65e0\u786c\u6027\u4e0a\u9650<\/td>\n<td>0.1%<\/td>\n<\/tr>\n<tr>\n<td>B2C\u6570\u5b57\u670d\u52a1<\/td>\n<td>\u2264$250,000\/\u8d22\u5e74<\/td>\n<td>5%<\/td>\n<\/tr>\n<tr>\n<td>SaaS\u8ba2\u9605\u8d39<\/td>\n<td>\u2264$1,000,000\/\u8d22\u5e74<\/td>\n<td>(\u9002\u7528SVB\u6761\u6b3e)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u6ce8\uff1a2023\u5e74\u8d77\u5bf9\u8d85\u8fc7700\u4e07\u5362\u6bd4(\u7ea68.4\u4e07\u7f8e\u5143)\u7684B2B\u4ea4\u6613\u5f3a\u5236\u9002\u7528eBRC\u673a\u5236<\/p>\n<h3>\u56db\u3001\u6570\u636e\u672c\u5730\u5316\u8981\u6c42<\/h3>\n<ol>\n<li><strong>\u652f\u4ed8\u6570\u636e\u5b58\u50a8<\/strong>::\n<ul>\n<li>PCI DSS\u5408\u89c4\u662f\u57fa\u7840\u8981\u6c42<\/li>\n<li>RBI\u6307\u4ee4\u8981\u6c42\u6240\u6709\u5883\u5185\u4ea4\u6613\u6570\u636e\u5fc5\u987b\u5728\u5370\u5ea6\u672c\u5730\u5b58\u50a8<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n<p>2.<strong>\u8de8\u5883\u6570\u636e\u4f20\u8f93\u7279\u522b\u89c4\u5219<\/strong><\/p>\n<ul>\n<li>SWIFT\u62a5\u6587\u53ef\u5883\u5916\u5904\u7406\u4f46\u5143\u6570\u636e\u9700\u5883\u5185\u5907\u4efd<\/li>\n<li>UPI\u76f8\u5173\u4ea4\u4e92\u6570\u636e\u7981\u6b62\u51fa\u5883<\/li>\n<\/ul>\n<p>\u4e94\u3001\u53cd\u6d17\u94b1\u63aa\u65bd(KYC\u5206\u5c42)<\/p>\n<pre><code>\u4e00\u7ea7\u9a8c\u8bc1(&lt;\u20b950,000\/\u6708): <br>\r\n\u4ec5\u9700PAN+\u94f6\u884c\u8d26\u6237\u9a8c\u8bc1 <br>\r\n<br>\r\n\u4e8c\u7ea7\u9a8c\u8bc1(\u20b950k-\u20b910L):<br>\r\n\u89c6\u9891KYC+\u6d3b\u4f53\u68c0\u6d4b <br>\r\n<br>\r\n\u4e09\u7ea7\u9a8c\u8bc1(&gt;\u20b910L):<br>\r\n\u5fc5\u987b\u63d0\u4ea4\u53d7\u76ca\u6240\u6709\u4ebaUDIN\u8ba4\u8bc1\u6587\u4ef6 <br>\r\n<\/code><\/pre>\n<p>\u516d\u3001\u65b0\u5174\u5408\u89c4\u6280\u672f\u5e94\u7528\u5efa\u8bae:<br \/>\n1.LSP(Local Settlement Provider)\u6a21\u5f0f:\u901a\u8fc7IFSC banking unit\u5b9e\u73b0\u591a\u5e01\u79cd\u51c0\u989d\u7ed3\u7b97<br \/>\n2.DLT\u62a5\u5173:\u8bd5\u70b9\u4e2d\u7684&quot;\u6d77\u5173\u533a\u5757\u94fe\u7f51\u7edc&quot;\u53ef\u52a0\u901f\u6e05\u5173<\/p>\n<p>\u8fd1\u671f\u91cd\u70b9\u63d0\u793a:2024\u8d22\u5e74\u9884\u7b97\u6848\u62df\u5c06\u7535\u5b50\u94b1\u5305\u8de8\u5883\u5145\u503c\u7eb3\u5165FEMA\u76d1\u7ba1\u8303\u56f4\uff0c\u5efa\u8bae\u63d0\u524d\u51c6\u5907TRM(Tokenization Registration Mechanism)\u9884\u6ce8\u518c\u3002<\/p>\n<p>\u4f01\u4e1a\u5e94\u7279\u522b\u6ce8\u610f:<br \/>\n\u2022\u6bcf\u7b14\u8de8\u5883\u652f\u4ed8\u987b\u751f\u6210\u552f\u4e00UTRN\u7801\u5e76\u62a5\u9001RBI\u7684EDMS\u7cfb\u7edf<br \/>\n\u2022\u5b63\u5ea6\u63d0\u4ea4Form15CA\/CB\u7a0e\u52a1\u6e05\u7b97\u8bc1\u660e<br \/>\n\u2022\u4f7f\u7528UPI International\u65f6\u9075\u5b88NPCI\u7684\u989d\u5916\u7f51\u5173\u534f\u8bae<\/p>\n<p>\u5efa\u8bae\u4e0e\u6301\u724cCSF(Cross-border Settlement Facilitator)\u5408\u4f5c\u5efa\u7acb\u5408\u89c4\u67b6\u6784\uff0c\u7279\u522b\u662f\u5728\u5904\u7406BNPL(Buy Now Pay Later)\u6a21\u5f0f\u7684\u8de8\u5883\u7535\u5546\u65f6\u3002<\/p>\n<h3><strong>\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u8de8\u5883\u7ed3\u7b97\u5408\u89c4\u8981\u6c42\uff08\u7eed\uff09<\/strong><\/h3>\n<h4><strong>\u4e03\u3001\u7a0e\u52a1\u5408\u89c4\u5173\u952e\u70b9<\/strong><\/h4>\n<ol>\n<li>\n<p><strong>\u9884\u63d0\u7a0e\uff08TCS\/TDS\uff09\u9002\u7528\u573a\u666f<\/strong><\/p>\n<ul>\n<li><strong>B2B\u4ea4\u6613<\/strong>\uff1a\u82e5\u4ed8\u6b3e\u65b9\u4e3a\u5370\u5ea6\u4f01\u4e1a\uff0c\u9700\u6263\u966410% TDS\uff08\u6839\u636e\u300a\u6240\u5f97\u7a0e\u6cd5\u300b\u7b2c194O\u6761\uff09\u3002<\/li>\n<li><strong>B2C\u6570\u5b57\u670d\u52a1<\/strong>\uff1a\u5e73\u53f0\u9700\u4ee3\u62635% TCS\uff08Tax Collected at Source\uff09\uff0c\u9002\u7528\u4e8e\u5e74\u7d2f\u8ba1\u8d85\u20b97 Lakh\u7684\u4ea4\u6613\u3002<\/li>\n<li><strong>\u4f8b\u5916\u60c5\u51b5<\/strong>\uff1aGIFT City\u6ce8\u518c\u4f01\u4e1a\u53ef\u4eab\u53d7\u7a0e\u6536\u4f18\u60e0\uff0c\u90e8\u5206\u4ea4\u6613\u514d\u5f81TCS\u3002<\/li>\n<\/ul>\n<\/li>\n<li>\n<p><strong>\u5546\u54c1\u53ca\u670d\u52a1\u7a0e\uff08GST\uff09\u89c4\u5219<\/strong><br \/>\n| \u4ea4\u6613\u7c7b\u578b | GST\u7a0e\u7387 | \u7533\u62a5\u65b9\u5f0f |<br \/>\n|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;|&#8212;&#8212;&#8212;&#8211;|<br \/>\n| \u51fa\u53e3\u8d27\u7269 (LUT\u5907\u6848) | 0%      | GSTR-1 + ICEGATE\u5bf9\u63a5 |<br \/>\n| SaaS\/\u4e91\u670d\u52a1\u51fa\u53e3(SEZ) | 0% (\u9700\u63d0\u4f9bSEZ\u8ba4\u8bc1) |<br \/>\n| OTT\/\u6570\u5b57\u5185\u5bb9\u8fdb\u53e3(ICN\u673a\u5236)|18%(\u53cd\u5411\u5f81\u6536)| GSTN\u81ea\u52a8\u8ba1\u7b97 |<\/p>\n<\/li>\n<li>\n<p><strong>\u5916\u6c47\u6536\u5165\u5f3a\u5236\u5151\u6362\u8981\u6c42<\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>RBI\u89c4\u5b9a80%\u7684\u5916\u6c47\u6536\u5165\u987b\u572815\u5929\u5185\u7ed3\u6c47\u6210INR<\/li>\n<li>IFSC\u6ce8\u518c\u4f01\u4e1a\u53ef\u4fdd\u7559100%\u5916\u5e01\u8d44\u91d1\u6c60<\/li>\n<\/ul>\n<h4><strong>\u516b\u3001\u4e89\u8bae\u89e3\u51b3\u4e0e\u9000\u6b3e\u7ba1\u7406<\/strong><\/h4>\n<ol>\n<li>\n<p>\u8de8\u5883\u62d2\u4ed8\u5904\u7406\u65f6\u9650\uff1a<br \/>\n\u4fe1\u7528\u5361\/Visa\/Mastercard\u7f51\u7edc \u2192 \u226445\u5929<br \/>\n\u672c\u5730UPI\u56fd\u9645\u7248 \u2192 \u226472\u5c0f\u65f6<\/p>\n<\/li>\n<li>\n<p>RBI\u5f3a\u5236\u9000\u6b3e\u4fdd\u969c\uff1a<br \/>\n\u6240\u6709\u5931\u8d25\u4ea4\u6613\u5fc5\u987b\u539f\u8def\u9000\u56de\uff0c\u7981\u6b62\u8d27\u5e01\u8f6c\u6362\u5957\u5229<\/p>\n<\/li>\n<li>\n<p>EEFC\u8d26\u6237\u7279\u6b8a\u6761\u6b3e\uff1a<br \/>\n\u5141\u8bb8\u4fdd\u755935%\u5916\u6c47\u6536\u5165\u7528\u4e8e\u672a\u6765\u652f\u4ed8\u7ed3\u7b97<\/p>\n<\/li>\n<\/ol>\n<h4><strong>\u4e5d\u30012024\u65b0\u89c4\u524d\u77bb<\/strong><\/h4>\n<ol>\n<li>CBDC\u8bd5\u70b9\u6269\u5c55\uff1a<br \/>\n\u8de8\u5883\u7a33\u5b9a\u5e01\u652f\u4ed8\u53ef\u80fd\u7eb3\u5165&quot;\u6570\u5b57\u5362\u6bd4\u6c99\u76d2&quot;<\/li>\n<\/ol>\n<p>2.RuPay\u5168\u7403\u5316\u5408\u89c4\u5347\u7ea7:<br \/>\nNPCI\u62df\u63a8\u51fa&quot;RuPay FX&quot;\u6a21\u5757,\u6574\u5408FEMA\u62a5\u544a\u529f\u80fd<\/p>\n<p>3.SWIFT GPI\u66ff\u4ee3\u65b9\u6848:<br \/>\n\u5370\u5ea6\u94f6\u884c\u534f\u4f1a\u63a8\u52a8INSTEX\u5f0f\u53cc\u8fb9\u6e05\u7b97\u7cfb\u7edf(\u4f18\u5148\u4e2d\u4e1c\/\u4e1c\u5357\u4e9a)<\/p>\n<p>\u5341\u3001\u5b9e\u64cd\u5efa\u8baechecklist<br \/>\n\u2705\ufe0f\u6bcf\u6708\u63d0\u4ea4RBI\u7684FEDAI\u62a5\u8868(\u542bMT103\/202\u5339\u914d)<br \/>\n\u2705\ufe0f\u5728DGFT\u95e8\u6237\u767b\u8bb0\u6240\u6709Export Invoice\u7f16\u53f7<br \/>\n\u2705\ufe0f\u91c7\u7528ISO20022\u6807\u51c6\u62a5\u6587\u683c\u5f0f(RBI\u5c06\u4e8e2025\u5f3a\u5236\u6267\u884c)<br \/>\n\u2705\ufe0f\u901a\u8fc7NSDL\u7684TIN\u7cfb\u7edf\u5b8c\u6210\u5e74\u5ea6FLA\u56de\u62a5<\/p>\n<p>\u9ad8\u98ce\u9669\u9884\u8b66:\u8fd1\u671f\u591a\u5bb6\u56fd\u9645PSP\u56e0\u672a\u6b63\u786e\u533a\u5206&quot;merchant acquiring&quot;\u548c&quot;payment aggregation&quot;\u88ab\u6682\u505cAD\u724c\u7167\u3002<\/p>\n<p>\u5982\u9700\u5904\u7406\u9ad8\u9891\u5c0f\u989d\u8de8\u5883\u6c47\u6b3e(HFX\u573a\u666f),\u5efa\u8bae\u7533\u8bf7\u52a0\u5165RBI\u7684SPPA(Small Payment Parallel Approval)\u5feb\u901f\u901a\u9053\u8ba1\u5212\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u652f\u4ed8\u5e73\u53f0\u7684\u8de8\u5883\u7ed3\u7b97\u6d89\u53ca\u590d\u6742\u7684\u5408\u89c4\u8981\u6c42\uff0c\u9700\u540c\u65f6\u9075\u5b88\u5370\u5ea6\u56fd\u5185\u6cd5\u89c4\u548c\u56fd\u9645\u6807\u51c6\u3002\u4ee5\u4e0b\u662f\u5173\u952e\u8981\u70b9\uff1a 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