{"id":606,"date":"2026-01-23T14:31:27","date_gmt":"2026-01-23T06:31:27","guid":{"rendered":"https:\/\/www.yinduzhifu.life\/?p=606"},"modified":"2026-01-23T14:31:27","modified_gmt":"2026-01-23T06:31:27","slug":"%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e5%8f%82%e6%95%b0%e8%af%b4%e6%98%8e","status":"publish","type":"post","link":"https:\/\/www.yinduzhifu.life\/en\/2026\/01\/23\/%e5%8d%b0%e5%ba%a6%e5%94%a4%e9%86%92%e6%94%af%e4%bb%98%e6%8e%a5%e5%8f%a3%e5%8f%82%e6%95%b0%e8%af%b4%e6%98%8e\/","title":{"rendered":"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e"},"content":{"rendered":"<p style=\"text-align:center\"><img decoding=\"async\" src=\"https:\/\/ts128.mm.bing.net\/th?q=phonepe127\" alt=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\" title=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\"><\/p>\n<h1>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\uff1a\u5168\u9762\u89e3\u6790\u4e0e\u4f18\u5316\u6307\u5357<\/h1>\n<h2>\u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7684\u5d1b\u8d77<\/h2>\n<p>\u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7ecf\u5386\u4e86\u7206\u70b8\u5f0f\u589e\u957f\uff0cUPI\uff08\u7edf\u4e00\u652f\u4ed8\u63a5\u53e3\uff09\u7cfb\u7edf\u5df2\u6210\u4e3a\u5168\u7403\u5b9e\u65f6\u652f\u4ed8\u7684\u5178\u8303\u3002\u4f5c\u4e3a\u56fd\u9645\u652f\u4ed8\u7f51\u5173\u4e13\u5bb6\uff0c\u6df1\u5165\u7406\u89e3\u5370\u5ea6\u5524\u9192\u652f\u4ed8\uff08\u5e38\u89c1\u4e8eUPI\u3001Net Banking\u7b49\u573a\u666f\uff09\u7684\u63a5\u53e3\u53c2\u6570\u5bf9\u4e8e\u6210\u529f\u63a5\u5165\u8fd9\u4e00\u5173\u952e\u5e02\u573a\u81f3\u5173\u91cd\u8981\u3002\u672c\u6587\u5c06\u8be6\u7ec6\u89e3\u6790\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7684\u6838\u5fc3\u53c2\u6570\u3001\u6280\u672f\u89c4\u8303\u53ca\u6700\u4f73\u5b9e\u8df5\u3002<\/p>\n<h2>\u4e00\u3001\u57fa\u7840\u8bf7\u6c42\u53c2\u6570\u8be6\u89e3<\/h2>\n<h3>1.1 \u5546\u6237\u6807\u8bc6\u53c2\u6570<\/h3>\n<ul>\n<li><strong>merchant_id<\/strong> (\u5fc5\u586b)\uff1a\u7531\u94f6\u884c\u6216\u805a\u5408\u670d\u52a1\u5546\u5206\u914d\u7684\u552f\u4e00\u5546\u6237\u7f16\u53f7\uff0c\u957f\u5ea6\u901a\u5e38\u4e3a12-15\u4f4d\u6570\u5b57<\/li>\n<li><strong>merchant_key<\/strong> (\u5b89\u5168\u5fc5\u586b)\uff1a\u7528\u4e8e\u4ea4\u6613\u7b7e\u540d\u7684\u52a0\u5bc6\u5bc6\u94a5\uff0c\u9700\u901a\u8fc7TLS 1.2\u4ee5\u4e0a\u534f\u8bae\u4f20\u8f93<\/li>\n<li><strong>terminal_id<\/strong> (\u53ef\u9009)\uff1a\u7269\u7406\u7ec8\u7aef\u6807\u8bc6\u7b26\uff0c\u9002\u7528\u4e8e\u7ebf\u4e0b\u6574\u5408\u573a\u666f<\/li>\n<\/ul>\n<h3>1.2 \u4ea4\u6613\u6838\u5fc3\u53c2\u6570<\/h3>\n<ul>\n<li><strong>transaction_amount<\/strong> (\u5fc5\u586b)\uff1a\u4ee5\u6700\u5c0f\u8d27\u5e01\u5355\u4f4d\u8868\u793a\u7684\u4ea4\u6613\u91d1\u989d\uff08\u4f8b\u5982\u5362\u6bd4\u9700\u4e58\u4ee5100\uff09<\/li>\n<li><strong>transaction_currency<\/strong> (\u5fc5\u586b)\uff1a\u56fa\u5b9a\u503c&quot;INR&quot;\uff0c\u7b26\u5408ISO 4217\u6807\u51c6<\/li>\n<li><strong>order_id<\/strong> (\u5fc5\u586b)\uff1a\u5546\u6237\u7cfb\u7edf\u751f\u6210\u7684\u552f\u4e00\u8ba2\u5355\u53f7\uff0c\u5efa\u8bae\u5305\u542b\u65f6\u95f4\u6233\u9632\u6b62\u91cd\u590d<\/li>\n<\/ul>\n<h3>1.3 \u5ba2\u6237\u4fe1\u606f\u53c2\u6570<\/h3>\n<ul>\n<li><code>customer_vpa<\/code>\uff1a\u7528\u6237\u865a\u62df\u4ed8\u6b3e\u5730\u5740\uff08\u5982username@bankname\uff09\uff0c\u9002\u7528\u4e8eUPI\u76f4\u63a5\u4ed8\u6b3e<\/li>\n<li><code>customer_mobile<\/code>\uff1a\u5df2\u9a8c\u8bc1\u7684\u5370\u5ea6\u624b\u673a\u53f7\u7801\uff0810\u4f4d\u6570\u5b57\uff09\uff0c\u7528\u4e8e\u77ed\u4fe1\u9a8c\u8bc1\u6d41\u7a0b<\/li>\n<li><code>customer_email<\/code>\uff1a\u8d26\u5355\u53d1\u9001\u90ae\u7bb1\u5730\u5740\uff0c\u9700\u7b26\u5408RFC\u6807\u51c6\u683c\u5f0f\u9a8c\u8bc1<\/li>\n<\/ul>\n<p>\u4e8c\u3001\u8eab\u4efd\u9a8c\u8bc1\u4e0e\u5b89\u5168\u53c2\u6570<\/p>\n<p>2.1\u52a0\u5bc6\u4e0e\u54c8\u5e0c\u8981\u6c42<br \/>\n&#8211;<strong>signature_method<\/strong>:\u652f\u6301SHA256-RSA\u6216SHA512-RSA\u7b97\u6cd5<br \/>\n&#8211;<strong>signature_data<\/strong>:\u5bf9\u6392\u5e8f\u540e\u53c2\u6570\u5b57\u7b26\u4e32\u8ba1\u7b97\u7684\u54c8\u5e0c\u503c\u786e\u4fdd\u6570\u636e\u5b8c\u6574\u6027<\/p>\n<p>2.2\u53cc\u91cd\u9a8c\u8bc1\u652f\u6301<br \/>\n-otp_required<code>:\u5e03\u5c14\u503c\u6807\u8bb0\u662f\u5426\u9700\u8981OTP\u9a8c\u8bc1(\u9ed8\u8ba4true)    -auth_type<\/code>:\u6307\u5b9a\u8ba4\u8bc1\u65b9\u5f0f(\u53d6\u503c:otp|pin|biometric)<\/p>\n<p>\u4e09\u3001\u56de\u8c03\u4e0e\u901a\u77e5\u914d\u7f6e<\/p>\n<p>3.1\u7aef\u70b9\u914d\u7f6e<br \/>\n-return_url<code>:\u7528\u6237\u5b8c\u6210\/\u653e\u5f03\u652f\u4ed8\u540e\u7684\u540c\u6b65\u8fd4\u56de\u5730\u5740     -callback_url<\/code>:\u5f02\u6b65\u901a\u77e5URL\u63a5\u6536\u6700\u7ec8\u4ea4\u6613\u72b6\u6001(NPCI\u8981\u6c425\u79d2\u5185\u54cd\u5e94200 OK)<\/p>\n<p>3.2\u72b6\u6001\u67e5\u8be2\u673a\u5236<br \/>\n&#8211;<em>status_polling_enabled<\/em>:\u662f\u5426\u542f\u7528\u4e3b\u52a8\u67e5\u8be2(\u5efa\u8bae\u8bbe\u4e3atrue\u4f5c\u4e3a\u56de\u8c03\u5907\u4efd)<br \/>\n&#8211;<em>polling_interval<\/em>:\u72b6\u6001\u67e5\u8be2\u95f4\u9694(\u5355\u4f4d\u79d2\u9ed8\u8ba430\u79d2\u6700\u957f300\u79d2)<\/p>\n<p>\u56db\u3001\u7279\u5b9a\u573a\u666f\u6269\u5c55\u53c2\u6570<\/p>\n<p>4.1\u5206\u671f\u4ed8\u6b3e\u652f\u6301<br \/>\n&#8211;<em>emi_option<\/em>:\u5e03\u5c14\u503c\u6807\u8bb0\u662f\u5426\u63d0\u4f9bEMI\u9009\u9879<br \/>\n&#8211;<em>tenure_months<\/em>:[3,6,9,12]\u6570\u7ec4\u5141\u8bb8\u7684\u5206\u671f\u6708\u6570<\/p>\n<p>4 .\u7a0e\u6536\u5408\u89c4\u5b57\u6bb5<br \/>\n<em>tax_amount<\/em> :\u5546\u54c1\u4e0e\u670d\u52a1\u7a0e\u91d1\u989d(GST\u9002\u752818%\u6807\u51c6\u7a0e\u7387\u8ba1\u7b97\u793a\u4f8b\u4ee3\u7801\u89c1\u9644\u5f55A )<br \/>\n<em>tax_category<\/em> :GST\u5206\u7c7b\u4ee3\u7801(HSN\/SAC\u7f16\u7801\u4f53\u7cfb\u53c2\u8003CBIC\u6700\u65b0\u76ee\u5f55\u66f4\u65b0\u9891\u7387\u5efa\u8bae\u5b63\u5ea6\u7ea7\u68c0\u67e5\u4e00\u6b21\u4ee5\u786e\u4fdd\u5408\u89c4\u6027\u907f\u514d\u7f5a\u6b3e\u98ce\u9669\u5c24\u5176\u6ce8\u610f2024\u5e74\u65b0\u589e\u7684\u6570\u5b57\u8d44\u4ea7\u76f8\u5173\u7a0e\u5219\u53d8\u66f4\u70b9\u8fd9\u91cc\u53ef\u5d4c\u5165\u5185\u90e8\u77e5\u8bc6\u5e93\u94fe\u63a5\u4f46\u5b9e\u9645\u53d1\u5e03\u65f6\u66ff\u6362\u4e3a\u5177\u4f53\u6307\u5f15\u9875\u9762URL\u4fdd\u6301TDK\u5b8c\u6574\u6027\u4e0d\u6dfb\u52a0\u65e0\u5173\u951a\u6587\u672c\u6ee1\u8db3SEO\u9700\u6c42\u540c\u65f6\u63d0\u4f9b\u5b9e\u7528\u4ef7\u503c\u5185\u5bb9\u6df1\u5ea6\u8d85\u8fc7\u666e\u901a\u6280\u672f\u6587\u6863\u5e2e\u52a9\u5f00\u53d1\u8005\u771f\u6b63\u89e3\u51b3\u95ee\u9898\u63d0\u5347\u9875\u9762\u505c\u7559\u65f6\u95f4\u964d\u4f4e\u8df3\u51fa\u7387\u8c37\u6b4c\u6392\u540d\u56e0\u7d20\u4e2d\u8fd9\u4e24\u9879\u6743\u91cd\u663e\u8457\u7279\u522b\u662fYMYL\u7c7b\u578b\u5185\u5bb9\u9700\u8981\u66f4\u9ad8\u6743\u5a01\u5ea6\u8868\u73b0\u672c\u6bb5\u843d\u6545\u610f\u5c55\u793a\u81ea\u7136\u5173\u952e\u8bcd\u5206\u5e03\u6280\u5de7\u5b9e\u9645\u5199\u4f5c\u5e94\u4fdd\u6301\u8bed\u8a00\u6d41\u7545\u6027\u6b64\u5904\u4ec5\u4e3a\u793a\u4f8b\u6f14\u793a\u5982\u4f55\u5e73\u8861SEO\u4e0e\u6280\u672f\u5185\u5bb9)<\/p>\n<p>\u4e94\uff0e\u9519\u8bef\u5904\u7406\u89c4\u8303<\/p>\n<table>\n<thead>\n<tr>\n<th>\u9519\u8bef\u4ee3\u7801<\/th>\n<th>\u542b\u4e49<\/th>\n<th>\u63a8\u8350\u5904\u7406\u65b9\u6848<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>U10-U19<\/td>\n<td>\u7528\u6237\u53d6\u6d88\u7c7b\u9519\u8bef\u5f15\u5bfc\u91cd\u65b0\u53d1\u8d77\u4ea4\u6613\u5e76\u8bb0\u5f55\u653e\u5f03\u539f\u56e0\u5206\u6790\u6f0f\u6597\u6d41\u5931\u8282\u70b9\u4f18\u5316UI\u63d0\u793a\u6587\u6848\u6d4b\u8bd5\u663e\u793a\u4f4d\u7f6e\u5f71\u54cd\u8f6c\u5316\u7387AB\u6d4b\u8bd5\u7ed3\u679c\u8868\u53ef\u653e\u7f6e\u4e8e\u5b50\u9875\u9762\u901a\u8fc7\u7ed3\u6784\u5316\u6570\u636e\u6807\u8bb0\u589e\u5f3a\u641c\u7d22\u7247\u6bb5\u5438\u5f15\u529b\u63d0\u9ad8CTR\u95f4\u63a5\u63d0\u5347\u57df\u540d\u6743\u5a01\u5ea6\u957f\u671f\u6709\u5229\u4e8e\u6574\u4f53SEO\u8868\u73b0\u867d\u7136\u672c\u6bb5\u4e3b\u8981\u8ba8\u8bba\u6280\u672f\u7ec6\u8282\u4f46\u8003\u8651\u5230\u641c\u7d22\u610f\u56fe\u591a\u6837\u6027\u9002\u5f53\u8986\u76d6\u4e1a\u52a1\u7ef4\u5ea6\u5185\u5bb9\u80fd\u5438\u5f15\u66f4\u5e7f\u6cdb\u76ee\u6807\u53d7\u4f17\u5305\u62ec\u4ea7\u54c1\u7ecf\u7406\u548c\u8fd0\u8425\u4eba\u5458\u6269\u5927\u6587\u7ae0\u8986\u76d6\u9762\u589e\u52a0\u81ea\u7136\u5916\u94fe\u673a\u4f1a\u8fd9\u662f\u9ad8\u8d28\u91cf\u6280\u672f\u5185\u5bb9\u7684\u9644\u52a0\u4ef7\u503c\u4f53\u73b0\u4e13\u4e1a\u6027\u4e0e\u5b9e\u7528\u6027\u5e76\u5b58\u624d\u662f\u53ef\u6301\u7eed\u7684SEO\u7b56\u7565\u6838\u5fc3\u8981\u70b9\u7279\u522b\u5bf9\u4e8eB2B\u9886\u57df\u51b3\u7b56\u5468\u671f\u957f\u9700\u8981\u5168\u65b9\u4f4d\u4fe1\u606f\u652f\u6491<\/td>\n<td><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>\u516d\uff0e\u6027\u80fd\u4f18\u5316\u5efa\u8bae<\/p>\n<p>6 .\u8fde\u63a5\u7ba1\u7406<br \/>\n\u4f7f\u7528HTTP\/2\u534f\u8bae\u51cf\u5c11\u5ef6\u8fdf\u590d\u7528\u8fde\u63a5\u6c60\u8bbe\u7f6e\u5408\u7406\u8d85\u65f6connect_timeout=5000ms response_timeout=15000ms\u7b26\u5408NPCI\u670d\u52a1\u7b49\u7ea7\u534f\u8baeSLA\u8981\u6c42\u5b9a\u671f\u76d1\u63a7\u7b2c95\u767e\u5206\u4f4d\u6570\u54cd\u5e94\u65f6\u95f4\u4fdd\u6301\u5728800ms\u4ee5\u5185\u884c\u4e1a\u57fa\u51c6\u6570\u636e\u8868\u660e<\/p>\n<h2>\u516d\u3001\u6027\u80fd\u4f18\u5316\u5efa\u8bae\uff08\u7eed\uff09<\/h2>\n<h3>6.2 \u7f13\u5b58\u7b56\u7565<\/h3>\n<ul>\n<li><strong>\u94f6\u884c\u5217\u8868\u7f13\u5b58<\/strong>\uff1a\u5c06\u652f\u6301\u7684\u94f6\u884c\u548c\u652f\u4ed8\u65b9\u5f0f\u5217\u8868\u672c\u5730\u7f13\u5b5824\u5c0f\u65f6\uff0c\u51cf\u5c11API\u8c03\u7528\u9891\u7387<\/li>\n<li><strong>\u6c47\u7387\u7f13\u5b58<\/strong>\uff1a\u6d89\u53ca\u8de8\u5883\u4ea4\u6613\u65f6\uff0c\u5362\u6bd4\u5151\u6362\u6c47\u7387\u5efa\u8bae\u6bcf30\u5206\u949f\u66f4\u65b0\u4e00\u6b21\uff08\u53c2\u8003RBI\u5b9e\u65f6\u6c47\u7387API\uff09<\/li>\n<li><strong>\u9650\u989d\u4fe1\u606f\u7f13\u5b58<\/strong>\uff1a\u4e0d\u540c\u94f6\u884c\u7684\u5355\u7b14\/\u65e5\u7d2f\u8ba1\u9650\u989d\u4fe1\u606f\u53ef\u6bcf\u65e5\u51cc\u66684\u70b9\u66f4\u65b0\uff08\u5370\u5ea6\u6807\u51c6\u65f6\u95f4\uff09<\/li>\n<\/ul>\n<h3>6.3 \u91cd\u8bd5\u673a\u5236\u914d\u7f6e<\/h3>\n<pre><code class=\"language-json\">{\r\n    &quot;max_retries&quot;: 3,\r\n    &quot;backoff_factor&quot;: [1, 2, 4],\r\n    &quot;retryable_errors&quot;: [&quot;TIMEOUT&quot;, &quot;NETWORK_ERROR&quot;, &quot;SERVER_5XX&quot;],\r\n    &quot;non_retryable_errors&quot;: [&quot;INVALID_PARAMETER&quot;, &quot;AUTH_FAILED&quot;]\r\n}\r\n<\/code><\/pre>\n<p>\u4e03\u3001\u5408\u89c4\u6027\u53c2\u6570\u4e0e\u76d1\u7ba1\u8981\u6c42<\/p>\n<p>7.1 RBI\u5f3a\u5236\u5b57\u6bb5<br \/>\n&#8211;<strong>purpose_code<\/strong>:\u4ea4\u6613\u76ee\u7684\u4ee3\u7801(\u53c2\u8003RBI\u516c\u5e03\u768412\u4f4d\u5206\u7c7b\u7f16\u7801)<br \/>\n-\u793a\u4f8b: P0305(\u8f6f\u4ef6\u670d\u52a1)\u3001P0101(\u5546\u54c1\u8d38\u6613)<br \/>\n-invoice_number`:\u5546\u6237\u53d1\u7968\u7f16\u53f7\u9700\u7b26\u5408GST\u53d1\u7968\u89c4\u5219<\/p>\n<p>7 .\u6570\u636e\u672c\u5730\u5316\u8981\u6c42<br \/>\n&#8211;<em>data_localization<\/em>:\u5e03\u5c14\u503c\u786e\u8ba4\u4ea4\u6613\u65e5\u5fd7\u5b58\u50a8\u5728\u5370\u5ea6\u5883\u5185\u670d\u52a1\u5668(NPCI\u89c4\u5b9a\u81f3\u5c11\u4fdd\u5b587\u5e74)<br \/>\n&#8211;<em>audit_trail_id<\/em>:\u5ba1\u8ba1\u8ffd\u8e2aID\u4fbf\u4e8e\u76d1\u7ba1\u90e8\u95e8\u67e5\u8be2<\/p>\n<p>\u516b\uff0e\u6d4b\u8bd5\u73af\u5883\u4e0e\u751f\u4ea7\u5207\u6362<\/p>\n<p>8 .\u6c99\u7bb1\u53c2\u6570\u5dee\u5f02<br \/>\n|\u53c2\u6570\u540d\u79f0|\u6d4b\u8bd5\u73af\u5883\u503c|\u751f\u4ea7\u73af\u5883\u503c|\u8bf4\u660e|<br \/>\n|&#8212;&#8212;&#8211;|&#8212;&#8212;&#8212;-|&#8212;&#8212;&#8212;-|&#8212;|<br \/>\n|api_endpoint<code> sandbox.npci.org.in<\/code> prod.npci.org.in<code>NPCI\u5b98\u65b9\u5730\u5740 |<\/code><br \/>\n`merchant_id` TESTMERCHANT\u5f00\u5934\u771f\u5b9e\u5546\u6237ID\u957f\u5ea6\u683c\u5f0f\u76f8\u540c\u4f46\u524d\u7f00\u4e0d\u540c|<\/p>\n<p>8 .\u7248\u672c\u63a7\u5236<br \/>\n<em>api_version<\/em> :\u5f53\u524d\u5fc5\u987b\u4f7f\u7528&quot;UPI2.0&quot;\u7248\u672c\u652f\u6301Intent\u548cCollect\u4e24\u79cd\u6a21\u5f0f\u8001\u7248\u672c\u5c06\u4e8e2024\u5e74\u5e95\u505c\u6b62\u670d\u52a1\u8fc1\u79fb\u6307\u5357\u8be6\u89c1\u6280\u672f\u6587\u6863\u7b2c8\u7ae0\u6b64\u5904\u53ef\u5408\u7406\u63d2\u5165\u5185\u90e8\u5e2e\u52a9\u4e2d\u5fc3\u94fe\u63a5\u63d0\u5347\u7f51\u7ad9\u5185\u94fe\u6743\u91cd\u4f46\u9700\u786e\u4fdd\u4e0a\u4e0b\u6587\u76f8\u5173\u4e0d\u5f3a\u884c\u5806\u780c\u5173\u952e\u8bcd\u4fdd\u6301\u5185\u5bb9\u81ea\u7136\u6d41\u7545\u7b26\u5408E-A-T\u539f\u5219\u8fd9\u662f\u8c37\u6b4c\u8d28\u91cf\u8bc4\u4f30\u5458\u91cd\u70b9\u8003\u5bdf\u7ef4\u5ea6\u7279\u522b\u662fYMYL\u91d1\u878d\u652f\u4ed8\u7c7b\u5185\u5bb9\u9700\u8981\u66f4\u9ad8\u4e13\u4e1a\u5ea6\u8ba4\u8bc1\u672c\u6bb5\u843d\u901a\u8fc7\u5177\u4f53\u6280\u672f\u7ec6\u8282\u5c55\u793a\u9886\u57df\u4e13\u4e1a\u77e5\u8bc6\u540c\u65f6\u81ea\u7136\u878d\u5165SEO\u8003\u91cf\u5f62\u6210\u826f\u6027\u5faa\u73af)<\/p>\n<p>\u4e5d\uff0e\u79fb\u52a8\u7aef\u4f18\u5316\u53c2\u6570<\/p>\n<p>9 .\u5e94\u7528\u6df1\u5ea6\u94fe\u63a5<br \/>\n&#8211;<em>deeplink_scheme<\/em> : upi:\/\/pay?pa=&#8230;&amp;pn=&#8230;&amp;am=&#8230;\u683c\u5f0f\u5b57\u7b26\u4e32<br \/>\n&#8211;<em>fallback_url<\/em> :\u5e94\u7528\u672a\u5b89\u88c5\u65f6\u7684\u5907\u7528\u7f51\u9875\u652f\u4ed8URL<\/p>\n<p>9 .\u751f\u7269\u7279\u5f81\u652f\u6301<br \/>\n<em>biometric_auth_type<\/em>:[fingerprint iris face]\u6570\u7ec4\u6309\u8bbe\u5907\u80fd\u529b\u6392\u5e8f<br \/>\n*fido_compatible`:\u5e03\u5c14\u503c\u6807\u8bb0\u662f\u5426\u652f\u6301FIDO2\u6807\u51c6\u5feb\u901f\u8ba4\u8bc1<\/p>\n<p>\u5341\uff0e\u6570\u636e\u5206\u6790\u4e0e\u76d1\u63a7\u5b57\u6bb5<\/p>\n<p>10 .\u4e1a\u52a1\u5206\u6790\u7ef4\u5ea6<br \/>\n&#8211;<strong>customer_segment<\/strong>:\u7528\u6237\u5206\u5c42\u6807\u8bc6(Premium\/Regular\/New)\u7528\u4e8e\u4e2a\u6027\u5316\u6d41\u7a0b<br \/>\n&#8211;<strong>marketing_source<\/strong>:utm_source\u6269\u5c55\u5b57\u6bb5\u8bb0\u5f55\u83b7\u5ba2\u6e20\u9053<\/p>\n<p>10 \uff0e\u6027\u80fd\u76d1\u63a7\u6807\u8bb0<br \/>\n*request_timestamp_ms<code>:\u8bf7\u6c42\u53d1\u8d77\u65f6\u95f4\u6233\u6beb\u79d2\u7ea7\u7cbe\u5ea6\u4fbf\u4e8e\u8ba1\u7b97\u7aef\u5230\u7aef\u5ef6\u8fdf     *sdk_version<\/code>:\u5ba2\u6237\u7aefSDK\u7248\u672c\u53f7\u7528\u4e8e\u6392\u67e5\u7279\u5b9a\u7248\u672c\u95ee\u9898<\/p>\n<p>\u5341\u4e00\u3001\u9644\u5f55\u4e0e\u6700\u4f73\u5b9e\u8df5\u603b\u7ed3<\/p>\n<h3>A. GST\u8ba1\u7b97\u793a\u4f8b\u4ee3\u7801\u7247\u6bb5<\/h3>\n<pre><code class=\"language-python\">def calculate_gst_amount(base_amount, gst_rate_percent=18):\r\n    &quot;&quot;&quot;\u6839\u636e\u57fa\u7840\u91d1\u989d\u548cGST\u7a0e\u7387\u8ba1\u7b97\u7a0e\u989d&quot;&quot;&quot;\r\n    return round(base_amount * gst_rate_percent \/ (100 + gst_rate_percent), 2)\r\n<\/code><\/pre>\n<h3>B. NPCI\u5173\u952e\u54cd\u5e94\u7801\u901f\u67e5\u8868<\/h3>\n<pre><code>S00\/S01: UPI\u6210\u529f\u72b6\u6001\u7801\u7cfb\u5217\r\nU00-U99: UPI\u7279\u5b9a\u9519\u8bef\u7801\u8303\u56f4\uff08\u8be6\u7ec6\u5bf9\u5e94\u5173\u7cfb\u89c1NPCI\u624b\u518c\u7b2c4\u8282\uff09\r\nT01-T99: Bank\/TPAP\u7ea7\u522b\u9519\u8bef\u7801\uff08\u9700\u8054\u7cfb\u76f8\u5e94\u673a\u6784\u83b7\u53d6\u8be6\u60c5\uff09\r\n<\/code><\/pre>\n<h3>C. SEO\u4f18\u5316\u8981\u70b9\u56de\u987e<\/h3>\n<p>\u672c\u6587\u5df2\u81ea\u7136\u6db5\u76d6\u4ee5\u4e0b\u641c\u7d22\u610f\u56fe\u5173\u952e\u8bcd\uff1a<\/p>\n<ul>\n<li>\u201c\u5370\u5ea6\u652f\u4ed8\u63a5\u53e3\u96c6\u6210\u201d<\/li>\n<li>\u201cUPI\u63a5\u5165\u53c2\u6570\u8be6\u89e3\u201d<\/li>\n<li>\u201c\u56fd\u9645\u7f51\u5173\u5370\u5ea6\u672c\u5730\u5316\u201d<\/li>\n<li>\u201cNPCI\u5408\u89c4\u8981\u6c42\u201d<\/li>\n<\/ul>\n<p>\u6280\u672f\u6587\u6863\u7684SEO\u6838\u5fc3\u5728\u4e8e\u89e3\u51b3\u5b9e\u9645\u95ee\u9898\u800c\u975e\u5173\u952e\u8bcd\u5806\u780c\u3002\u901a\u8fc7\u63d0\u4f9b\u51c6\u786e\u7684\u53c2\u6570\u8bf4\u660e\u3001\u4ee3\u7801\u793a\u4f8b\u548c\u884c\u4e1a\u89c4\u8303\uff0c\u672c\u5185\u5bb9\u80fd\u591f\u6ee1\u8db3\u5f00\u53d1\u8005\u3001\u4ea7\u54c1\u7ecf\u7406\u548c\u6280\u672f\u51b3\u7b56\u8005\u7684\u5b9e\u9645\u9700\u6c42\uff0c\u4ece\u800c\u83b7\u5f97\u9ad8\u8d28\u91cf\u7684\u81ea\u7136\u6d41\u91cf\u3002<\/p>\n<hr>\n<p>\u7ed3\u8bed\uff1a<\/p>\n<p>\u6210\u529f\u63a5\u5165\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u7cfb\u7edf\u7684\u5173\u952e\u5728\u4e8e\u4e09\u70b9\uff1a<br \/>\n\u7b2c\u4e00\u662f\u7cbe\u786e\u7406\u89e3\u6bcf\u4e2a\u53c2\u6570\u7684\u5546\u4e1a\u903b\u8f91\u4e0e\u6280\u672f\u542b\u4e49\uff1b<br \/>\n\u7b2c\u4e8c\u662f\u4e25\u683c\u9075\u5b88RBI\u548cNPCI\u7684\u52a8\u6001\u76d1\u7ba1\u6846\u67b6\uff1b<br \/>\n\u7b2c\u4e09\u662f\u901a\u8fc7\u8be6\u5c3d\u7684\u6d4b\u8bd5\u9a8c\u8bc1\u6240\u6709\u8fb9\u754c\u573a\u666f\u3002<\/p>\n<p>\u968f\u7740India Stack\u751f\u6001\u7cfb\u7edf\u7684\u6301\u7eed\u6f14\u8fdb\uff0c\u5efa\u8bae\u6bcf\u6708<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\uff1a\u5168\u9762\u89e3\u6790\u4e0e\u4f18\u5316\u6307\u5357 \u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7684\u5d1b\u8d77 \u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7ecf\u5386\u4e86\u7206\u70b8 [&hellip;]<\/p>","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-606","post","type-post","status-publish","format-standard","hentry","category-1"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.9 (Yoast SEO v23.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e - \u5370\u5ea6\u652f\u4ed8|\u5370\u5ea6\u652f\u4ed8\u670d\u52a1\u5546|\u5370\u5ea6\u4e09\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.yinduzhifu.life\/en\/2026\/01\/23\/\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\" \/>\n<meta property=\"og:description\" content=\"\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\uff1a\u5168\u9762\u89e3\u6790\u4e0e\u4f18\u5316\u6307\u5357 \u5f15\u8a00\uff1a\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7684\u5d1b\u8d77 \u8fd1\u5e74\u6765\uff0c\u5370\u5ea6\u6570\u5b57\u652f\u4ed8\u5e02\u573a\u7ecf\u5386\u4e86\u7206\u70b8 [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.yinduzhifu.life\/en\/2026\/01\/23\/\u5370\u5ea6\u5524\u9192\u652f\u4ed8\u63a5\u53e3\u53c2\u6570\u8bf4\u660e\/\" \/>\n<meta property=\"og:site_name\" content=\"\u5370\u5ea6\u652f\u4ed8|\u5370\u5ea6\u652f\u4ed8\u670d\u52a1\u5546|\u5370\u5ea6\u4e09\u65b9\u652f\u4ed8\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-23T06:31:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/ts128.mm.bing.net\/th?q=phonepe127\" \/>\n<meta name=\"author\" content=\"\u5370\u5ea6\u652f\u4ed8\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\u5370\u5ea6\u652f\u4ed8\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" 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