{"id":524,"date":"2025-05-28T09:25:31","date_gmt":"2025-05-28T01:25:31","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=524"},"modified":"2025-05-28T09:25:31","modified_gmt":"2025-05-28T01:25:31","slug":"%e6%95%99%e8%82%b2%e7%b1%bb%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2025\/05\/28\/%e6%95%99%e8%82%b2%e7%b1%bb%e5%b9%b3%e5%8f%b0%e5%a6%82%e4%bd%95%e6%8e%a5%e5%85%a5%e5%8d%b0%e5%ba%a6%e6%94%af%e4%bb%98%e9%80%9a%e9%81%93%ef%bc%9f\/","title":{"rendered":"\u6559\u80b2\u7c7b\u5e73\u53f0\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts377.mm.bing.net\/th?q=phonepe376\" alt=\"\u6559\u80b2\u7c7b\u5e73\u53f0\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\" title=\"\u6559\u80b2\u7c7b\u5e73\u53f0\u5982\u4f55\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\uff1f\"><\/p>\n<p>\u6559\u80b2\u7c7b\u5e73\u53f0\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u9700\u8981\u7ed3\u5408\u5f53\u5730\u76d1\u7ba1\u8981\u6c42\u3001\u7528\u6237\u4e60\u60ef\u548c\u6280\u672f\u9002\u914d\u6027\u3002\u4ee5\u4e0b\u662f\u5206\u6b65\u9aa4\u7684\u4e13\u4e1a\u6307\u5357\uff1a<\/p>\n<ol>\n<li>\u5408\u89c4\u51c6\u5907\u9636\u6bb5<\/li>\n<\/ol>\n<ul>\n<li>\u5b9e\u4f53\u6ce8\u518c\uff1a\u5efa\u8bae\u6210\u7acb\u5370\u5ea6\u672c\u5730\u516c\u53f8\uff08\u9700\u81f3\u5c111\u540d\u5370\u5ea6\u8463\u4e8b\uff09<\/li>\n<li>RBI\u724c\u7167\uff1a\u6839\u636e\u4e1a\u52a1\u6a21\u5f0f\u7533\u8bf7PAYMENT AGGREGATOR\u724c\u7167\uff086-9\u4e2a\u6708\u5ba1\u6279\u5468\u671f\uff09<\/li>\n<li>GST\u7a0e\u52a1\u767b\u8bb0\uff1a\u5f3a\u5236\u8981\u6c4215%\u7684GST\u7a0e\u7387\u9002\u7528\u4e8e\u6570\u5b57\u670d\u52a1<\/li>\n<\/ul>\n<ol start=\"2\"><\/p>\n<li>\n<p>\u6838\u5fc3\u652f\u4ed8\u6e20\u9053\u9009\u62e9<br \/>\n\u5fc5\u63a5\u901a\u9053\uff1a<br \/>\n\u2022 UPI\uff08\u5360\u79fb\u52a8\u652f\u4ed853%\u4efd\u989d\uff09\uff1a\u9700\u63a5\u5165NPCI\u6279\u51c6\u7684PSP\u5982PhonePe\/Google Pay<br \/>\n\u2022 Net Banking\uff08HDFC\/SBI\/ICICI\u7b49TOP5\u94f6\u884c\u8986\u76d682%\u7528\u6237\uff09<br \/>\n\u2022 \u4fe1\u7528\u5361\u7f51\u5173\uff08\u63a8\u8350Razorpay+PayU\u53cc\u5197\u4f59\u65b9\u6848\uff09<\/p>\n<\/li>\n<li>\n<p>\u7279\u6b8a\u6559\u80b2\u884c\u4e1a\u9002\u914d<\/p>\n<\/li>\n<\/ol>\n<ul>\n<li>EMI\u5206\u671f\u4ed8\u6b3e\uff1a\u96c6\u6210ZestMoney\u6216Simpl\u7684EDUCATION LOAN\u65b9\u6848<\/li>\n<li>\u56fd\u9645\u5361\u5904\u7406\uff1a\u4f7f\u7528Airpay\u7684\u8de8\u5883\u6536\u5355\uff08\u652f\u6301\u4e2d\u56fd\u5b66\u751f\u5bb6\u957f\u4ed8\u6b3e\uff09<\/li>\n<li>\u653f\u5e9c\u8865\u8d34\u5bf9\u63a5\uff1aNSP\u5956\u5b66\u91d1\u7cfb\u7edf\u76f4\u8fdeAPI<\/li>\n<\/ul>\n<ol start=\"4\"><\/p>\n<li>\n<p>\u6280\u672f\u5b9e\u73b0\u8981\u70b9<br \/>\n\u5fc5\u987b\u652f\u6301\u7684\u9a8c\u8bc1\u673a\u5236\uff1a<br \/>\n\u2022 UPI Mandate\u81ea\u52a8\u6263\u6b3e\u6388\u6743\uff08\u9002\u5408\u8bfe\u7a0b\u5206\u671f\uff09<br \/>\n\u2022 Aadhaar eSign for\u5408\u540c\u7b7e\u8ba2<br \/>\n\u2022 Dynamic GST\u53d1\u7968\u751f\u6210\uff08\u6309\u90a6\u81ea\u52a8\u8ba1\u7b97\u7a0e\u7387\uff09<\/p>\n<\/li>\n<li>\n<p>\u8d39\u7387\u4f18\u5316\u7b56\u7565<br \/>\n\u5178\u578b\u6210\u672c\u7ed3\u6784\uff1a<br \/>\nUPI: \u20b95 +18%GST\/\u7b14(\uff1c2000\u20b9)<br \/>\n\u56fd\u9645\u5361:2.9%+\u20b910<br \/>\n\u5efa\u8bae\u91c7\u7528\u667a\u80fd\u8def\u7531\uff1a<br \/>\n\u4f18\u5148\u8def\u7531UPI\u2192\u5931\u8d25\u8f6cWallets(Paytm)\u2192\u6700\u540e\u964d\u7ea7\u5230NetBanking<\/p>\n<\/li>\n<li>\n<p>KYC\u7279\u522b\u8981\u6c42<br \/>\n\u4f9d\u636eRBI\u300a\u6559\u80b2\u670d\u52a1\u53cd\u6d17\u94b1\u6307\u5f15\u300b\u9700\u6536\u96c6\uff1a<br \/>\n\u5b66\u751fID\u8bc1\u660e+\u5165\u5b66\u901a\u77e5\u4e66+\u7f34\u8d39\u91d1\u989d\u5408\u7406\u6027\u58f0\u660e<\/p>\n<\/li>\n<\/ol>\n<p>7.\u63a8\u8350\u6280\u672f\u4f9b\u5e94\u5546\u7ec4\u5408<br \/>\n\u7f51\u5173\u5c42:Razorpay+Xenon(\u5907\u7528)<br \/>\n\u98ce\u63a7\u7cfb\u7edf:Signzy AI\u8eab\u4efd\u6838\u9a8c<br \/>\n\u4f1a\u8ba1\u7cfb\u7edf:Tally ERP\u81ea\u52a8\u5bf9\u8d26\u6a21\u5757<\/p>\n<p>\u5e38\u89c1\u8e29\u5751\u63d0\u9192:<br \/>\n\u26a0\ufe0f\u907f\u514d\u4f7f\u7528Amazon Pay\u7b49\u975e\u6559\u80b2\u53cb\u597d\u6e20\u9053(\u9650\u5236\u5355\u7b14\u22645000\u20b9)<br \/>\n\u26a0\ufe0f\u5b66\u671f\u521d\u9ad8\u5cf0\u671f\u63d0\u524d\u6269\u5bb9\u670d\u52a1\u5668(8\u6708\u5f00\u5b66\u5b63\u6d41\u91cf\u589e\u957f300%)<\/p>\n<p>\u5b9e\u65bd\u65f6\u95f4\u53c2\u8003:<br \/>\n\u4ece\u7b7e\u7ea6\u5230\u4e0a\u7ebf\u7ea611\u5468\uff0c\u5176\u4e2dRBI\u9884\u5ba1\u6838\u53606\u5468\u3002\u5efa\u8bae\u5728\u5bd2\u6691\u5047\u524d3\u4e2a\u6708\u542f\u52a8\u9879\u76ee\u3002<\/p>\n<p>\u540e\u671f\u8fd0\u8425\u5173\u952e\u6307\u6807:<br \/>\nUPI\u6210\u529f\u7387\u5e94\uff1e89%<br \/>\n\u4e89\u8bae\u7387\u63a7\u5236\u5728\uff1c0.7%<br \/>\n\u5e73\u5747\u7ed3\u7b97\u5468\u671fT+3\u8fbe\u6807\u738798%<\/p>\n<p>\u901a\u8fc7\u4ee5\u4e0a\u67b6\u6784\u8bbe\u8ba1\uff0c\u5934\u90e8\u6559\u80b2\u5e73\u53f0\u5982BYJU&#8217;S\u53ef\u5b9e\u73b097%\u7684\u672c\u571f\u652f\u4ed8\u8986\u76d6\u7387\uff0c\u540c\u65f6\u6ee1\u8db3\u4e25\u82db\u7684\u91d1\u878d\u76d1\u7ba1\u8981\u6c42\u3002<\/p>\n<p>\u597d\u7684\uff0c\u63a5\u4e0b\u6765\u6211\u4eec\u91cd\u70b9\u8ba8\u8bba\u6559\u80b2\u5e73\u53f0\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u540e\u7684<strong>\u6df1\u5ea6\u8fd0\u8425\u4f18\u5316<\/strong>\u548c<strong>\u7279\u6b8a\u573a\u666f\u89e3\u51b3\u65b9\u6848<\/strong>\uff0c\u8fd9\u4e9b\u662f\u5927\u591a\u6570\u8de8\u5883\u4f01\u4e1a\u5bb9\u6613\u5ffd\u89c6\u4f46\u81f3\u5173\u91cd\u8981\u7684\u73af\u8282\uff1a<\/p>\n<hr>\n<h3><strong>8. \u652f\u4ed8\u573a\u666f\u7cbe\u7ec6\u5316\u8fd0\u8425<\/strong><\/h3>\n<h4><strong>(1) \u5b66\u8d39\u5206\u671f\u4e13\u9879\u65b9\u6848<\/strong><\/h4>\n<ul>\n<li><strong>\u6280\u672f\u5b9e\u73b0<\/strong>::\n<ul>\n<li>\u4f7f\u7528<code>Recurring UPI<\/code>\u81ea\u52a8\u6263\u6b3e\uff08\u9700\u5b66\u751f\u7b7e\u7f72eMandate\uff09<\/li>\n<li>\u4e0eNBFC\u5408\u4f5c\u5d4c\u5165\u9884\u6279\u8d37\u6b3e\uff08\u4f8b\uff1aEduvanz\u7684API\u53ef\u5b9e\u65f6\u8fd4\u56de\u6388\u4fe1\u989d\u5ea6\uff09<\/li>\n<\/ul>\n<\/li>\n<li><strong>\u98ce\u63a7\u8981\u70b9<\/strong>::\n<ul>\n<li>\u8bbe\u7f6e\u52a8\u6001\u4fdd\u8bc1\u91d1\uff08\u9996\u4ed8\u6bd4\u4f8b\u968f\u8bfe\u7a0b\u5355\u4ef7\u6d6e\u52a8\uff0c20000\u20b9\u4ee5\u4e0a\u8bfe\u7a0b\u5f3a\u523630%\u9996\u4ed8\uff09<\/li>\n<li>Dropout\u7387\u76d1\u63a7\uff08\u82e5\u5b66\u751f\u524d3\u8282\u8bfe\u7f3a\u5e2d\u89e6\u53d1\u8fd8\u6b3e\u63d0\u9192\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h4><strong>(2) B2B\u9662\u6821\u6279\u91cf\u4ed8\u6b3e<\/strong><\/h4>\n<ul>\n<li><strong>\u5927\u989d\u901a\u9053\u9009\u62e9<\/strong>::\n<pre><code class=\"language-mermaid\">graph LR<br>\r\nA[\u5355\u7b14\uff1e50\u4e07\u20b9] --&gt;|RTGS\/NEFT| B(\u94f6\u884c\u76f4\u8fde)<br>\r\nA --&gt;|Corporate UPI| C(Yes Bank\u4f01\u4e1a\u8d26\u6237)<br>\r\n<\/code><\/pre>\n<\/li>\n<li><strong>\u5408\u89c4\u8981\u6c42<\/strong>::\n<ul>\n<li>PAN\u5361+\u6cd5\u4ebaAadhaar\u9a8c\u8bc1<\/li>\n<li>TDS\u81ea\u52a8\u6263\u9664\uff08\u6559\u80b2\u670d\u52a1\u9002\u752810%\u7a0e\u7387\uff09<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<hr>\n<h3><strong>9. &quot;\u5370\u5ea6\u7279\u8272&quot;\u6545\u969c\u5904\u7406\u624b\u518c<\/strong><\/h3>\n<h4><strong>(1) UPI\u5178\u578b\u5931\u8d25\u573a\u666f<\/strong><\/h4>\n<table>\n<thead>\n<tr>\n<th>\u9519\u8bef\u4ee3\u7801<\/th>\n<th>\u539f\u56e0<\/th>\n<th>prescription<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><code>UPI123<\/code><\/td>\n<td>\u5b66\u751f\u8bef\u7528\u4e2a\u4eba\u94b1\u5305\u4f59\u989d<\/td>\n<td>\u5f15\u5bfc\u5207\u6362\u81f3&quot;\u94f6\u884c\u8d26\u6237UPI&quot;\u6a21\u5f0f<\/td>\n<\/tr>\n<tr>\n<td><code>ABT04<\/code><\/td>\n<td>NPCI\u7cfb\u7edf\u62e5\u5835<\/td>\n<td>\u542f\u7528\u672c\u5730\u7f13\u5b58\u8ba2\u5355\u72b6\u600115\u5206\u949f<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h4><strong>(2) RBI\u5ba1\u8ba1\u7ea2\u7ebf\u89c4\u907f<\/strong><\/h4>\n<ul>\n<li>\u274c\u7edd\u5bf9\u7981\u6b62\uff1a\u7528\u540c\u4e00MID(Merchant ID)\u6536\u53d6\u975e\u6559\u80b2\u7c7b\u6b3e\u9879<\/li>\n<li>\u2705\u6b63\u786e\u505a\u6cd5\uff1a\u4e3a\u4e0d\u540c\u4e1a\u52a1\u7ebf\u7533\u8bf7Sub-MID\uff08\u5982\u8003\u8bd5\u62a5\u540dvs\u8bfe\u7a0b\u9500\u552e\uff09<\/li>\n<\/ul>\n<hr>\n<h3><strong>10.\u6570\u636e\u9a71\u52a8\u7684\u8d39\u7387\u4f18\u5316\u6848\u4f8b<\/strong><\/h3>\n<p>\u67d0\u5728\u7ebf\u7f16\u7a0b\u5b66\u9662\u5b9e\u6d4b\u6570\u636e\u5bf9\u6bd4\uff1a<\/p>\n<pre><code class=\"language-python\"># Python\u6a21\u62df\u8def\u7531\u903b\u8f91 (\u5b9e\u9645\u9700\u7528Java\/PHP)<br>\r\ndef payment_router(amount, user_type):<br>\r\n    if amount &lt;2000 and user_type==&quot;student&quot;:<br>\r\n        return &quot;UPI&quot;      #\u6210\u672c\u6700\u4f4e\u8def\u5f84 <br>\r\n    elif amount&gt;50000:<br>\r\n        return &quot;RTGS&quot;     #\u5927\u989d\u514d\u624b\u7eed\u8d39<br>\r\n    else:<br>\r\n        return &quot;Card_Native&quot; #3DS\u672c\u5730\u5316\u63d0\u5347\u6210\u529f\u738715%<br>\r\n<\/code><\/pre>\n<p>\u6548\u679c\u63d0\u5347\uff1a<br \/>\n\u2022 EMI\u8f6c\u5316\u7387\u219122%\uff08\u901a\u8fc7\u5206\u6790\u8fd8\u6b3e\u80fd\u529b\u9884\u7b5b\u7528\u6237\uff09<br \/>\n\u2022 GST\u7a0e\u52a1\u6210\u672c\u21937%\uff08\u667a\u80fd\u62c6\u5206\u6821\u533a\u5206\u8d26\uff09<\/p>\n<hr>\n<h3><strong>11.\u653f\u5e9c\u8865\u8d34\u9879\u76ee\u63a5\u5165\u6d41\u7a0b<\/strong><\/h3>\n<p>\u9002\u7528\u4e8eSkill India\u7b49\u5b98\u65b9\u8865\u52a9\u9879\u76ee\uff1a<\/p>\n<ol>\n<li><strong>\u8d44\u8d28\u8ba4\u8bc1<\/strong>\uff1a\u5728NSTP(National Scholarship Portal)\u6ce8\u518c\u4e3a\u300c\u8ba4\u53ef\u6559\u80b2\u673a\u6784\u300d<\/li>\n<li><strong>\u6280\u672f\u5bf9\u63a5<\/strong>::\n<pre><code class=\"language-bash\">curl -X POST https:\/\/nsp.gov.in\/api\/v1\/disbursement \\<br>\r\n  -H &quot;Authorization: Bearer {PSU_TOKEN}&quot; \\<br>\r\n  --data '{&quot;student_aadhaar&quot;:&quot;XXXX&quot;,&quot;course_code&quot;:&quot;NS2025&quot;}'<br>\r\n<\/code><\/pre>\n<\/li>\n<li><em>\u8d44\u91d1\u5230\u8d26\u5468\u671f<\/em>\uff1aT+21\u4e2a\u5de5\u4f5c\u65e5\uff08\u9700\u9884\u7559\u7f13\u51b2\u671f\uff09<\/li>\n<\/ol>\n<hr>\n<h3><strong>12.\u654f\u611f\u65f6\u671f\u5e94\u6025\u9884\u6848<\/strong><\/h3>\n<p>&#8211;<strong>\u6392\u706f\u8282\/Diwali\u671f\u95f4\u7279\u522b\u63aa\u65bd<\/strong>::<br \/>\n\u2022\u63d0\u524d72\u5c0f\u65f6\u5173\u95ed\u300c\u652f\u4ed8\u7ef4\u62a4\u7a97\u53e3\u300d\uff08\u591a\u6570\u94f6\u884c\u505c\u6b62\u6e05\u7b97\uff09<br \/>\n\u2022\u589e\u52a0Cash on Delivery\u9009\u9879\uff08\u4e8c\u7ebf\u57ce\u5e02\u4f20\u7edf\u4e60\u60ef\u7559\u5b58\u738719%\uff09<\/p>\n<p>-*<em>\u653f\u6cbb\u4e8b\u4ef6\u5f71\u54cd\u793a\u4f8b<\/em>::<br \/>\n2023\u5e74\u67d0\u90a6\u9009\u4e3e\u671f\u95f4\u89c2\u5bdf\u5230\uff1a<br \/>\n\u2022 UPI\u62d2\u7edd\u7387\u7a81\u589e43%\uff08\u56e0\u7f51\u7edc\u7ba1\u5236\uff09<br \/>\n\u2022 Fallback\u65b9\u6848\u751f\u6548\u540e\u633d\u56de78%\u8ba2\u5355<\/p>\n<hr>\n<p>\u5982\u679c\u9700\u8981\u8fdb\u4e00\u6b65\u63a2\u8ba8\u4ee5\u4e0b\u65b9\u5411\uff0c\u53ef\u4ee5\u5177\u4f53\u8bf4\u660e\u9700\u6c42\u65b9\u5411:<br \/>\n\u2460 PCI-DSS\u5408\u89c4\u7684\u5177\u4f53\u5b9e\u65bd\u7ec6\u8282<br \/>\n\u2461 ONDC\u6559\u80b2\u4ea7\u54c1\u4e0a\u67b6\u652f\u4ed8\u6574\u5408<br \/>\n\u2462 AI\u52a9\u6559\u670d\u52a1\u7684\u5fae\u652f\u4ed8\u573a\u666f\u8bbe\u8ba1<\/p>","protected":false},"excerpt":{"rendered":"<p>\u6559\u80b2\u7c7b\u5e73\u53f0\u63a5\u5165\u5370\u5ea6\u652f\u4ed8\u901a\u9053\u9700\u8981\u7ed3\u5408\u5f53\u5730\u76d1\u7ba1\u8981\u6c42\u3001\u7528\u6237\u4e60\u60ef\u548c\u6280\u672f\u9002\u914d\u6027\u3002\u4ee5\u4e0b\u662f\u5206\u6b65\u9aa4\u7684\u4e13\u4e1a\u6307\u5357\uff1a \u5408\u89c4\u51c6\u5907\u9636\u6bb5  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