{"id":2841,"date":"2025-05-29T04:53:48","date_gmt":"2025-05-29T04:53:48","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=2841"},"modified":"2025-05-29T04:56:21","modified_gmt":"2025-05-29T04:56:21","slug":"a2a-payments-europe-2025-8","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/ar\/a2a-payments-europe-2025-8\/","title":{"rendered":"\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0646 \u062d\u0633\u0627\u0628 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u0641\u064a 2025: \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a"},"content":{"rendered":"<p data-start=\"505\" data-end=\"624\">\u0627\u0646\u0633\u064e \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u2014 \u0628\u062d\u0644\u0648\u0644 \u0639\u0627\u0645 2025\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u062a\u0645\u062b\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0646 \u062d\u0633\u0627\u0628 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 (A2A) \u0631\u0628\u0639 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627.<\/p>\n<p data-start=\"626\" data-end=\"897\">\u0645\u0639 \u0627\u0644\u0633\u0631\u0639\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629\u060c \u0648\u062a\u0643\u0627\u0644\u064a\u0641 \u0623\u0642\u0644 \u0628\u0643\u062b\u064a\u0631\u060c \u0648\u0645\u0648\u062c\u0629 \u0645\u0646 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629\u060c \u062a\u0646\u062a\u0642\u0644 \u0645\u062f\u0641\u0648\u0639\u0627\u062a A2A \u0645\u0646 \u0627\u0644\u0647\u0627\u0645\u0634 \u0625\u0644\u0649 \u0627\u0644\u062a\u064a\u0627\u0631 \u0627\u0644\u0631\u0626\u064a\u0633\u064a. \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0644\u062a\u062c\u0627\u0631\u060c \u0648\u0645\u0632\u0648\u062f\u064a \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 (PSPs)\u060c \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629\u060c \u062a\u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u062a\u062d\u0648\u0644\u0627\u062a \u0648\u0627\u062d\u062f\u0629 \u0645\u0646 \u0623\u0643\u0628\u0631 \u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0627\u0644\u0640 12 \u0634\u0647\u0631\u064b\u0627 \u0627\u0644\u0642\u0627\u062f\u0645\u0629.<\/p>\n<p data-start=\"899\" data-end=\"1029\">\u0641\u064a <a href=\"https:\/\/buvei.com\/\">Buvei<\/a>\u060c \u0646\u062a\u0627\u0628\u0639 \u062a\u0637\u0648\u0631 \u0647\u0630\u0627 \u0627\u0644\u0645\u062c\u0627\u0644 \u0645\u0646\u0630 \u0628\u062f\u0627\u064a\u062a\u0647 \u2014 \u0648\u0646\u0634\u0627\u0631\u0643 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629 \u0623\u0628\u0631\u0632 \u0627\u0644\u0631\u0624\u0649\u060c \u0648\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a \u0627\u0644\u0642\u0627\u062f\u0645\u0629\u060c \u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0644\u0644\u0645\u0633\u062a\u0642\u0628\u0644.<\/p>\n<h3 data-start=\"1031\" data-end=\"1075\">\u0644\u0645\u0627\u0630\u0627 \u062a\u0632\u062f\u0627\u062f \u0634\u0639\u0628\u064a\u0629 \u0645\u062f\u0641\u0648\u0639\u0627\u062a A2A \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627\u061f<\/h3>\n<p data-start=\"1077\" data-end=\"1110\">\u062b\u0644\u0627\u062b \u0642\u0648\u0649 \u0631\u0626\u064a\u0633\u064a\u0629 \u062a\u062f\u0641\u0639 \u0639\u062c\u0644\u0629 \u0627\u0644\u062a\u0628\u0646\u064a:<\/p>\n<ul data-start=\"1112\" data-end=\"1465\">\n<li data-start=\"1112\" data-end=\"1226\">\n<p data-start=\"1114\" data-end=\"1226\"><strong data-start=\"1114\" data-end=\"1128\">\u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a:<\/strong> \u0633\u064a\u0641\u0631\u0636 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629 (IPR) \u0645\u0646 \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0641\u0648\u0631\u064a\u0629 \u0628\u0627\u0644\u064a\u0648\u0631\u0648 \u0628\u062d\u0644\u0648\u0644 \u0646\u0647\u0627\u064a\u0629 2025.<\/p>\n<\/li>\n<li data-start=\"1227\" data-end=\"1310\">\n<p data-start=\"1229\" data-end=\"1310\"><strong data-start=\"1229\" data-end=\"1250\">\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u062a\u062c\u0627\u0631\u064a:<\/strong> \u062a\u0643\u0644\u0641\u0629 \u0645\u0639\u0627\u0645\u0644\u0627\u062a A2A \u0623\u0642\u0644 \u0628\u0646\u0633\u0628\u0629 \u062a\u0635\u0644 \u0625\u0644\u0649 90% \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a.<\/p>\n<\/li>\n<li data-start=\"1311\" data-end=\"1465\">\n<p data-start=\"1313\" data-end=\"1465\"><strong data-start=\"1313\" data-end=\"1332\">\u0637\u0644\u0628 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646:<\/strong> \u064a\u0641\u0636\u0644 73% \u0645\u0646 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a\u064a\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0639\u0646\u062f \u0627\u0644\u0634\u0631\u0627\u0621 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a.*<br data-start=\"1399\" data-end=\"1402\" \/>*\u0627\u0644\u0645\u0635\u062f\u0631: \u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a 2024 \u062d\u0648\u0644 \u0633\u0644\u0648\u0643\u064a\u0627\u062a \u0627\u0644\u062f\u0641\u0639.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"1467\" data-end=\"1505\">4 \u0627\u062a\u062c\u0627\u0647\u0627\u062a \u062a\u0634\u0643\u0651\u0644 \u0645\u0633\u062a\u0642\u0628\u0644 A2A \u0641\u064a 2025<\/h3>\n<h4 data-start=\"1507\" data-end=\"1538\">1. \u0627\u0644\u0637\u0641\u0631\u0629 \u0627\u0644\u0639\u0627\u0628\u0631\u0629 \u0644\u0644\u062d\u062f\u0648\u062f<\/h4>\n<p data-start=\"1539\" data-end=\"1632\">\u0644\u0645 \u062a\u0639\u062f A2A \u062d\u0644\u0627\u064b \u0645\u062d\u0644\u064a\u064b\u0627 \u0641\u0642\u0637. \u0645\u0628\u0627\u062f\u0631\u0627\u062a \u0645\u062b\u0644 EuroPA \u062a\u0628\u0646\u064a \u0634\u0628\u0643\u0629 \u0623\u0648\u0631\u0648\u0628\u064a\u0629 \u0645\u0648\u062d\u062f\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0631\u0628\u0637 \u0623\u0646\u0638\u0645\u0629 \u0645\u062b\u0644:<\/p>\n<p data-start=\"1634\" data-end=\"1732\">\ud83c\uddea\ud83c\uddf8 Bizum (32 \u0645\u0644\u064a\u0648\u0646 \u0645\u0633\u062a\u062e\u062f\u0645)<br data-start=\"1662\" data-end=\"1665\" \/>\ud83c\uddee\ud83c\uddf9 BANCOMAT Pay (18 \u0645\u0644\u064a\u0648\u0646 \u0645\u0633\u062a\u062e\u062f\u0645)<br data-start=\"1700\" data-end=\"1703\" \/>\ud83c\uddf5\ud83c\uddf9 MB WAY (4 \u0645\u0644\u0627\u064a\u064a\u0646 \u0645\u0633\u062a\u062e\u062f\u0645)<\/p>\n<blockquote data-start=\"1734\" data-end=\"1864\">\n<p data-start=\"1736\" data-end=\"1864\">\"\u0644\u0645 \u062a\u0639\u062f \u0647\u0630\u0647 \u0645\u062f\u0641\u0648\u0639\u0627\u062a P2P \u0641\u0642\u0637. \u0628\u062d\u0644\u0648\u0644 2025\u060c \u0633\u0646\u0634\u0647\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 A2A \u0641\u064a 25% \u0645\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0641\u064a \u0623\u0648\u0631\u0648\u0628\u0627.\"<br data-start=\"1838\" data-end=\"1841\" \/>\u2014 \u0645\u0627\u0631\u062a\u064a\u0646 \u0623\u0632\u0643\u0648\u064a\u060c Bizum<\/p>\n<\/blockquote>\n<h4 data-start=\"1866\" data-end=\"1900\">2. \u062b\u0648\u0631\u0629 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 (UX)<\/h4>\n<p data-start=\"1901\" data-end=\"1950\">\u064a\u062d\u062a\u0627\u062c \u0627\u0644\u062a\u062c\u0627\u0631 \u0625\u0644\u0649 \u062d\u0644\u0648\u0644 A2A \u062a\u0636\u0627\u0647\u064a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a\u060c \u0648\u062a\u062a\u0636\u0645\u0646:<\/p>\n<p data-start=\"1952\" data-end=\"2039\">\u2705 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0641\u0648\u0631\u064a<br data-start=\"1966\" data-end=\"1969\" \/>\u2705 \u062f\u0639\u0645 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0639\u0645\u0644\u0627\u062a<br data-start=\"1988\" data-end=\"1991\" \/>\u2705 \u062a\u0633\u0648\u064a\u0629 \u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0633\u0644\u0633\u0629<br data-start=\"2011\" data-end=\"2014\" \/>\u2705 \u0628\u062f\u0627\u0626\u0644 \u0644\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u062c\u0639\u0629<\/p>\n<h4 data-start=\"2041\" data-end=\"2063\">3. \u0639\u0648\u062f\u0629 \u0631\u0645\u0648\u0632 QR<\/h4>\n<p data-start=\"2064\" data-end=\"2137\">\u062a\u0633\u062a\u0641\u064a\u062f \u0623\u0648\u0631\u0648\u0628\u0627 \u0645\u0646 \u062f\u0631\u0648\u0633 \u0623\u0633\u0648\u0627\u0642 \u0645\u062b\u0644 \u0627\u0644\u0647\u0646\u062f (UPI\u060c \u0623\u0643\u062b\u0631 \u0645\u0646 600 \u0645\u0644\u064a\u0648\u0646 \u0645\u0633\u062a\u062e\u062f\u0645 QR):<\/p>\n<ul data-start=\"2139\" data-end=\"2295\">\n<li data-start=\"2139\" data-end=\"2221\">\n<p data-start=\"2141\" data-end=\"2221\">\u0632\u0627\u062f \u0627\u0639\u062a\u0645\u0627\u062f A2A \u0628\u0646\u0633\u0628\u0629 40% \u0644\u062f\u0649 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0647\u0648\u0644\u0646\u062f\u064a\u064a\u0646 \u0628\u0639\u062f \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0631\u0645\u0648\u0632 QR \u0627\u0644\u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629<\/p>\n<\/li>\n<li data-start=\"2222\" data-end=\"2295\">\n<p data-start=\"2224\" data-end=\"2295\">\u064a\u062a\u0648\u0642\u0639 \u0627\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0646\u0645\u0648 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0628\u0631 QR \u0628\u0646\u0633\u0628\u0629 300% \u0628\u062d\u0644\u0648\u0644 2026<\/p>\n<\/li>\n<\/ul>\n<h4 data-start=\"2297\" data-end=\"2332\">4. \u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u0642\u0627\u062f\u0645\u0629<\/h4>\n<div class=\"_tableContainer_16hzy_1\">\n<div class=\"_tableWrapper_16hzy_14 group flex w-fit flex-col-reverse\" tabindex=\"-1\">\n<table class=\"w-fit min-w-(--thread-content-width)\" data-start=\"2333\" data-end=\"2649\">\n<thead data-start=\"2333\" data-end=\"2381\">\n<tr data-start=\"2333\" data-end=\"2381\">\n<th data-start=\"2333\" data-end=\"2343\" data-col-size=\"sm\">\u0627\u0644\u062a\u0646\u0638\u064a\u0645<\/th>\n<th data-start=\"2343\" data-end=\"2359\" data-col-size=\"sm\">\u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0632\u0645\u0646\u064a<\/th>\n<th data-start=\"2359\" data-end=\"2381\" data-col-size=\"md\">\u0627\u0644\u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629<\/th>\n<\/tr>\n<\/thead>\n<tbody data-start=\"2432\" data-end=\"2649\">\n<tr data-start=\"2432\" data-end=\"2496\">\n<td data-start=\"2432\" data-end=\"2442\" data-col-size=\"sm\">IPR<\/td>\n<td data-col-size=\"sm\" data-start=\"2442\" data-end=\"2462\">\u0627\u0644\u0631\u0628\u0639 \u0627\u0644\u0631\u0627\u0628\u0639 2025<\/td>\n<td data-col-size=\"md\" data-start=\"2462\" data-end=\"2496\">\u0641\u0631\u0636 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0639\u0628\u0631 SEPA<\/td>\n<\/tr>\n<tr data-start=\"2497\" data-end=\"2558\">\n<td data-start=\"2497\" data-end=\"2507\" data-col-size=\"sm\">PSR<\/td>\n<td data-col-size=\"sm\" data-start=\"2507\" data-end=\"2523\">2026<\/td>\n<td data-col-size=\"md\" data-start=\"2523\" data-end=\"2558\">\u0625\u062a\u0627\u062d\u0629 TARGET \u0644\u0645\u0624\u0633\u0633\u0627\u062a \u063a\u064a\u0631 \u0645\u0635\u0631\u0641\u064a\u0629<\/td>\n<\/tr>\n<tr data-start=\"2559\" data-end=\"2649\">\n<td data-start=\"2559\" data-end=\"2575\" data-col-size=\"sm\">\u0627\u0644\u064a\u0648\u0631\u0648 \u0627\u0644\u0631\u0642\u0645\u064a<\/td>\n<td data-col-size=\"sm\" data-start=\"2575\" data-end=\"2589\">2025 \u062a\u062c\u0631\u064a\u0628\u064a<\/td>\n<td data-col-size=\"md\" data-start=\"2589\" data-end=\"2649\">\u062a\u0645\u0647\u064a\u062f \u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 A2A \u0627\u0644\u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0639\u0645\u0644\u0629 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0644\u0644\u0628\u0646\u0643 \u0627\u0644\u0645\u0631\u0643\u0632\u064a<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<div class=\"sticky end-(--thread-content-margin) h-0 self-end select-none\">\n<div class=\"absolute end-0 flex items-end\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2842 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025-The-European-Transformation-7.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/div>\n<\/div>\n<\/div>\n<\/div>\n<h3 data-start=\"2651\" data-end=\"2685\">\u0627\u0644\u062a\u062d\u062f\u064a\u0627\u062a (\u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u062a\u063a\u0644\u0628 \u0639\u0644\u064a\u0647\u0627)<\/h3>\n<h4 data-start=\"2687\" data-end=\"2711\">\u26a0\ufe0f \u0645\u0634\u0643\u0644\u0629 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/h4>\n<p data-start=\"2712\" data-end=\"2800\">\u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0645\u0646 \u062d\u0633\u0627\u0628 \u0625\u0644\u0649 \u062d\u0633\u0627\u0628 \u063a\u064a\u0631 \u0642\u0627\u0628\u0644\u0629 \u0644\u0644\u0625\u0644\u063a\u0627\u0621 \u0639\u0627\u062f\u0629\u064b\u060c \u0645\u0627 \u064a\u0632\u064a\u062f \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644. \u0627\u0644\u062d\u0644\u0648\u0644 \u062a\u0634\u0645\u0644:<\/p>\n<ul data-start=\"2802\" data-end=\"2904\">\n<li data-start=\"2802\" data-end=\"2856\">\n<p data-start=\"2804\" data-end=\"2856\">\u0646\u0638\u0627\u0645 \"\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u0641\u064a\u062f\" \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a (\u0625\u0637\u0644\u0627\u0642 \u0641\u064a 2025)<\/p>\n<\/li>\n<li data-start=\"2857\" data-end=\"2904\">\n<p data-start=\"2859\" data-end=\"2904\">\u0623\u0646\u0638\u0645\u0629 \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0645\u062f\u0639\u0648\u0645\u0629 \u0628\u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/p>\n<\/li>\n<\/ul>\n<h4 data-start=\"2906\" data-end=\"2943\">\u2699\ufe0f \u0645\u0634\u0627\u0643\u0644 \u0648\u0627\u062c\u0647\u0627\u062a \u0627\u0644\u0628\u0631\u0645\u062c\u0629 (APIs)<\/h4>\n<blockquote data-start=\"2944\" data-end=\"3092\">\n<p data-start=\"2946\" data-end=\"3092\">\"\u062a\u0639\u062a\u0645\u062f \u062c\u0648\u062f\u0629 APIs \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u0628\u0644\u062f. \u0641\u064a \u0623\u0644\u0645\u0627\u0646\u064a\u0627 \u062a\u0635\u0644 \u0646\u0633\u0628 \u0627\u0644\u0646\u062c\u0627\u062d \u0625\u0644\u0649 95%\u060c \u0628\u064a\u0646\u0645\u0627 \u062a\u0639\u0627\u0646\u064a \u0628\u0639\u0636 \u062f\u0648\u0644 \u0627\u0644\u062c\u0646\u0648\u0628 \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0645\u0646 70%.\"<br data-start=\"3061\" data-end=\"3064\" \/>\u2014 \u0643\u0644\u064a\u0645\u0646\u062a \u062c\u0648\u0632\u064a\u0627\u0643\u060c Worldline<\/p>\n<\/blockquote>\n<h4 data-start=\"3094\" data-end=\"3116\">\ud83e\udd14 \u0641\u062c\u0648\u0629 \u0627\u0644\u062a\u0648\u0639\u064a\u0629<\/h4>\n<ul data-start=\"3117\" data-end=\"3245\">\n<li data-start=\"3117\" data-end=\"3153\">\n<p data-start=\"3119\" data-end=\"3153\">38% \u0641\u0642\u0637 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646 \u064a\u0641\u0647\u0645\u0648\u0646 A2A<\/p>\n<\/li>\n<li data-start=\"3154\" data-end=\"3245\">\n<p data-start=\"3156\" data-end=\"3245\">62% \u064a\u062e\u0644\u0637\u0648\u0646 \u0628\u064a\u0646\u0647\u0627 \u0648\u0628\u064a\u0646 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0628\u0646\u0643\u064a\u0629 \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629<br data-start=\"3205\" data-end=\"3208\" \/>\u0627\u0644\u062a\u062b\u0642\u064a\u0641 \u0636\u0631\u0648\u0631\u064a\u060c \u062e\u0635\u0648\u0635\u064b\u0627 \u0641\u064a \u0635\u0641\u062d\u0627\u062a \u0627\u0644\u062f\u0641\u0639.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3247\" data-end=\"3260\">\u062f\u0648\u0631 Buvei<\/h3>\n<p data-start=\"3262\" data-end=\"3311\">\u0641\u064a Buvei\u060c \u0646\u062d\u0646 \u0644\u0627 \u0646\u0631\u0627\u0642\u0628 \u0627\u0644\u062a\u062d\u0648\u0644 \u2014 \u0646\u062d\u0646 \u062c\u0632\u0621 \u0645\u0646 \u0628\u0646\u0627\u0626\u0647.<\/p>\n<p data-start=\"3313\" data-end=\"3340\">\u0646\u0631\u0643\u0632 \u0639\u0644\u0649 \u062b\u0644\u0627\u062b \u0631\u0643\u0627\u0626\u0632 \u0631\u0626\u064a\u0633\u064a\u0629:<\/p>\n<ul data-start=\"3342\" data-end=\"3581\">\n<li data-start=\"3342\" data-end=\"3425\">\n<p data-start=\"3344\" data-end=\"3425\"><strong data-start=\"3344\" data-end=\"3363\">\u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0628\u064a\u0646\u064a:<\/strong> \u0631\u0628\u0637 \u0627\u0644\u062a\u062c\u0627\u0631\u060c \u0648\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062f\u0641\u0639\u060c \u0648\u0627\u0644\u0628\u0646\u0648\u0643 \u0639\u0628\u0631 \u0623\u0648\u0631\u0648\u0628\u0627 \u0641\u064a \u062a\u062c\u0631\u0628\u0629 \u0645\u0648\u062d\u062f\u0629<\/p>\n<\/li>\n<li data-start=\"3426\" data-end=\"3503\">\n<p data-start=\"3428\" data-end=\"3503\"><strong data-start=\"3428\" data-end=\"3438\">\u0627\u0644\u062b\u0642\u0629:<\/strong> \u0625\u062f\u0645\u0627\u062c \u0623\u062f\u0648\u0627\u062a \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0648\u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629 \u0628\u0634\u0643\u0644 \u0627\u0641\u062a\u0631\u0627\u0636\u064a<\/p>\n<\/li>\n<li data-start=\"3504\" data-end=\"3581\">\n<p data-start=\"3506\" data-end=\"3581\"><strong data-start=\"3506\" data-end=\"3517\">\u0627\u0644\u0648\u0636\u0648\u062d:<\/strong> \u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0639\u0644\u0649 \u0641\u0647\u0645 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0623\u0633\u0631\u0639 \u0648\u0627\u0644\u0623\u0631\u062e\u0635 \u0648\u0627\u0644\u0623\u0630\u0643\u0649<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3583\" data-end=\"3720\">\u0645\u0646 \u062e\u0644\u0627\u0644 \u0631\u0645\u0648\u0632 QR \u0627\u0644\u062f\u064a\u0646\u0627\u0645\u064a\u0643\u064a\u0629\u060c \u0648\u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u060c \u0648\u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0630\u0643\u064a\u0629\u060c Buvei \u062a\u0645\u0643\u0651\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0645\u0646 \u062a\u062d\u0648\u064a\u0644 A2A \u0625\u0644\u0649 \u0645\u064a\u0632\u0629 \u062a\u0646\u0627\u0641\u0633\u064a\u0629 \u062d\u0642\u064a\u0642\u064a\u0629.<\/p>\n<p data-start=\"3583\" data-end=\"3720\"><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-2843 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-1024x579.jpg\" alt=\"\" width=\"1024\" height=\"579\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-1024x579.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-300x170.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-768x434.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-400x226.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-800x452.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-832x470.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7-1248x705.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/05\/Account-to-Account-Payments-in-2025The-EuropeanTransformation-7.jpg 1472w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 data-start=\"3722\" data-end=\"3750\">\u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0639\u0646\u064a\u0647 \u0647\u0630\u0627 \u0644\u0639\u0645\u0644\u0643\u061f<\/h3>\n<h4 data-start=\"3752\" data-end=\"3766\">\u0644\u0644\u062a\u062c\u0627\u0631:<\/h4>\n<ul data-start=\"3767\" data-end=\"3876\">\n<li data-start=\"3767\" data-end=\"3816\">\n<p data-start=\"3769\" data-end=\"3816\">\u0648\u0641\u0631 \u0645\u0646 15% \u0625\u0644\u0649 30% \u0641\u064a \u0627\u0644\u0631\u0633\u0648\u0645 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a<\/p>\n<\/li>\n<li data-start=\"3817\" data-end=\"3845\">\n<p data-start=\"3819\" data-end=\"3845\">\u0627\u0633\u062a\u0639\u062f \u0644\u062a\u0639\u062f\u064a\u0644 \u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u062f\u0641\u0639<\/p>\n<\/li>\n<li data-start=\"3846\" data-end=\"3876\">\n<p data-start=\"3848\" data-end=\"3876\">\u0627\u0633\u062a\u062b\u0645\u0631 \u0641\u064a \u0623\u062f\u0648\u0627\u062a \u0643\u0634\u0641 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644<\/p>\n<\/li>\n<\/ul>\n<h4 data-start=\"3878\" data-end=\"3905\">\u0644\u0645\u0632\u0648\u062f\u064a \u0627\u0644\u062f\u0641\u0639 (PSPs):<\/h4>\n<ul data-start=\"3906\" data-end=\"3995\">\n<li data-start=\"3906\" data-end=\"3942\">\n<p data-start=\"3908\" data-end=\"3942\">\u0645\u0648\u062b\u0648\u0642\u064a\u0629 \u0648\u062a\u0648\u062d\u064a\u062f APIs \u0633\u062a\u0643\u0648\u0646 \u0636\u0631\u0648\u0631\u064a\u0629<\/p>\n<\/li>\n<li data-start=\"3943\" data-end=\"3995\">\n<p data-start=\"3945\" data-end=\"3995\">\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0645\u062b\u0644 \u0627\u0644\u062a\u062d\u0644\u064a\u0644\u0627\u062a \u0648\u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0633\u062a\u062c\u0639\u0644 \u0627\u0644\u0641\u0631\u0642<\/p>\n<\/li>\n<\/ul>\n<h4 data-start=\"3997\" data-end=\"4015\">\u0644\u0644\u0645\u0633\u062a\u0647\u0644\u0643\u064a\u0646:<\/h4>\n<ul data-start=\"4016\" data-end=\"4106\">\n<li data-start=\"4016\" data-end=\"4059\">\n<p data-start=\"4018\" data-end=\"4059\">\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0623\u0633\u0631\u0639 \u0648\u062a\u062d\u0633\u064a\u0646 \u0641\u064a \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u0646\u0642\u062f\u064a\u0629<\/p>\n<\/li>\n<li data-start=\"4060\" data-end=\"4106\">\n<p data-start=\"4062\" data-end=\"4106\">\u062d\u0645\u0627\u064a\u0629 \u062c\u062f\u064a\u062f\u0629 \u0636\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0648\u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"4108\" data-end=\"4148\">\u0647\u0644 \u0623\u0646\u062a\u0645 \u0645\u0633\u062a\u0639\u062f\u0648\u0646 \u0644\u0645\u0633\u062a\u0642\u0628\u0644 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a\u061f<\/h3>\n<p data-start=\"4149\" data-end=\"4243\">\u0628\u064a\u0646\u0645\u0627 \u062a\u062a\u062c\u0647 \u0623\u0648\u0631\u0648\u0628\u0627 \u0646\u062d\u0648 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0648\u0631\u064a\u0629\u060c \u0623\u0645\u0627\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0631\u0627\u0626\u062f\u0629 \u0641\u0631\u0635\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0644\u0644\u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0648\u0627\u0644\u0627\u0628\u062a\u0643\u0627\u0631.<\/p>\n<p data-start=\"4245\" data-end=\"4308\">\ud83d\udc49<a href=\"https:\/\/buvei.com\/\"> \u0627\u0643\u062a\u0634\u0641 \u0643\u064a\u0641 \u064a\u0645\u0643\u0646 \u0644\u0640 Buvei \u0645\u0633\u0627\u0639\u062f\u062a\u0643 \u0639\u0644\u0649 \u062a\u0628\u0646\u0651\u064a \u0645\u062f\u0641\u0648\u0639\u0627\u062a A2A 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