{"id":4629,"date":"2025-06-20T10:38:55","date_gmt":"2025-06-20T10:38:55","guid":{"rendered":"https:\/\/buvei.com\/blog\/?p=4629"},"modified":"2025-06-20T10:38:55","modified_gmt":"2025-06-20T10:38:55","slug":"2fa-payment-security-guide-8","status":"publish","type":"post","link":"https:\/\/buvei.com\/blog\/ar\/2fa-payment-security-guide-8\/","title":{"rendered":"\u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u0636\u0631\u0648\u0631\u064a \u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0622\u0645\u0646\u0629"},"content":{"rendered":"<p data-start=\"519\" data-end=\"737\">\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u062a\u0632\u062f\u0627\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u0635\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a\u060c \u0648\u0633\u0631\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0627\u062e\u062a\u0631\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a. \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0633\u064a\u0627\u0642\u060c \u0623\u0635\u0628\u062d <strong data-start=\"651\" data-end=\"675\">\u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 (2FA)<\/strong> \u0623\u062d\u062f \u0623\u0643\u062b\u0631 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0641\u0639\u0627\u0644\u064a\u0629 \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0648\u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n<p data-start=\"739\" data-end=\"835\">\u0644\u0643\u0646\u060c \u0645\u0627 \u0647\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u0628\u0627\u0644\u0636\u0628\u0637\u061f \u0648\u0644\u0645\u0627\u0630\u0627 \u064a\u064f\u0639\u062f \u0627\u0644\u064a\u0648\u0645 \u0639\u0646\u0635\u0631\u064b\u0627 \u0644\u0627 \u063a\u0646\u0649 \u0639\u0646\u0647 \u0641\u064a \u0628\u0646\u064a\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u061f<\/p>\n<h3 data-start=\"837\" data-end=\"868\">\u0645\u0627 \u0647\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 (2FA)\u061f<\/h3>\n<p data-start=\"870\" data-end=\"950\">\u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u0647\u0648 \u0646\u0638\u0627\u0645 \u0623\u0645\u0627\u0646 \u064a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645 \u062a\u0642\u062f\u064a\u0645 \u0639\u0627\u0645\u0644\u064a\u0646 \u0645\u062e\u062a\u0644\u0641\u064a\u0646 \u0644\u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0647\u0648\u064a\u0629:<\/p>\n<ul data-start=\"952\" data-end=\"1148\">\n<li data-start=\"952\" data-end=\"1012\">\n<p data-start=\"954\" data-end=\"1012\">\ud83d\udd10 <strong data-start=\"957\" data-end=\"970\">\u0634\u064a\u0621 \u062a\u0639\u0631\u0641\u0647<\/strong> \u2014 \u0645\u062b\u0644 \u0643\u0644\u0645\u0629 \u0645\u0631\u0648\u0631 \u0623\u0648 \u0631\u0642\u0645 \u062a\u0639\u0631\u064a\u0641 \u0634\u062e\u0635\u064a (PIN)<\/p>\n<\/li>\n<li data-start=\"1013\" data-end=\"1081\">\n<p data-start=\"1015\" data-end=\"1081\">\ud83d\udcf1 <strong data-start=\"1018\" data-end=\"1032\">\u0634\u064a\u0621 \u062a\u0645\u062a\u0644\u0643\u0647<\/strong> \u2014 \u0645\u062b\u0644 \u0647\u0627\u062a\u0641 \u0630\u0643\u064a\u060c \u0623\u0648 \u062a\u0637\u0628\u064a\u0642 \u0645\u0635\u0627\u062f\u0642\u0629\u060c \u0623\u0648 \u0645\u0641\u062a\u0627\u062d \u0623\u0645\u0627\u0646<\/p>\n<\/li>\n<li data-start=\"1082\" data-end=\"1148\">\n<p data-start=\"1084\" data-end=\"1148\">\ud83e\uddec <em data-start=\"1087\" data-end=\"1098\">(\u0627\u062e\u062a\u064a\u0627\u0631\u064a)<\/em> <strong data-start=\"1099\" data-end=\"1113\">\u0634\u064a\u0621 \u062a\u0645\u062b\u0651\u0644\u0647<\/strong> \u2014 \u0645\u062b\u0644 \u0627\u0644\u0628\u0635\u0645\u0629 \u0623\u0648 \u0627\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 \u0627\u0644\u0648\u062c\u0647<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1150\" data-end=\"1259\">\u064a\u064f\u0636\u064a\u0641 \u0647\u0630\u0627 \u0627\u0644\u0623\u0633\u0644\u0648\u0628 \u0637\u0628\u0642\u0629 \u062d\u0645\u0627\u064a\u0629 \u0642\u0648\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644 \u0645\u0646 \u0627\u0644\u0635\u0639\u0628 \u062c\u062f\u064b\u0627 \u0639\u0644\u0649 \u0627\u0644\u0645\u062e\u062a\u0631\u0642\u064a\u0646 \u0627\u0644\u062f\u062e\u0648\u0644 \u062d\u062a\u0649 \u0648\u0625\u0646 \u062d\u0635\u0644\u0648\u0627 \u0639\u0644\u0649 \u0643\u0644\u0645\u0629 \u0627\u0644\u0645\u0631\u0648\u0631.<\/p>\n<p data-start=\"1150\" data-end=\"1259\">\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4631 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-1024x768.jpg\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-1024x768.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-300x225.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-768x576.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-400x300.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-800x600.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-832x624.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7-1248x936.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments2-7.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 data-start=\"1261\" data-end=\"1307\">\u0644\u0645\u0627\u0630\u0627 \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u0645\u0647\u0645 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a<\/h3>\n<h4 data-start=\"1309\" data-end=\"1348\">\ud83d\udd10 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0646 \u0627\u0644\u0648\u0635\u0648\u0644 \u063a\u064a\u0631 \u0627\u0644\u0645\u0635\u0631\u062d \u0628\u0647<\/h4>\n<p data-start=\"1350\" data-end=\"1531\">\u062a\u064f\u0639\u062f \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0647\u062f\u0641\u064b\u0627 \u0631\u0626\u064a\u0633\u064a\u064b\u0627 \u0644\u0644\u0645\u0647\u0627\u062c\u0645\u064a\u0646 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u064a\u0646. \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 2FA\u060c \u062a\u0638\u0644 \u062d\u0633\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0631\u0642\u0645\u064a\u0629 \u0648\u0644\u0648\u062d\u0627\u062a \u0627\u0644\u062a\u062d\u0643\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0624\u0645\u0646\u0629 \u062d\u062a\u0649 \u0641\u064a \u062d\u0627\u0644 \u062a\u0633\u0631\u064a\u0628 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u062e\u0648\u0644.<\/p>\n<h4 data-start=\"1533\" data-end=\"1559\">\ud83d\udee1\ufe0f \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<\/h4>\n<p data-start=\"1561\" data-end=\"1732\">\u062a\u0644\u0632\u0645 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u0627\u0644\u062a\u0634\u0631\u064a\u0639\u0627\u062a \u0645\u062b\u0644 PSD2 (\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a) \u0648 <a href=\"https:\/\/buvei.com\/blog\/fintech-payment-compliance-standards\/\">PCI DSS<\/a> \u0648FFIEC (\u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629) \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062a\u0637\u0628\u064a\u0642 \u0645\u0635\u0627\u062f\u0642\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0639\u0648\u0627\u0645\u0644. 2FA \u0647\u0648 \u062d\u062c\u0631 \u0627\u0644\u0632\u0627\u0648\u064a\u0629 \u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644.<\/p>\n<h4 data-start=\"1734\" data-end=\"1779\">\ud83e\udde0 \u0627\u0644\u062d\u062f \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u0628\u0634\u0631\u064a\u0629 \u0648\u0647\u062c\u0645\u0627\u062a \u0627\u0644\u062a\u0635\u064a\u062f<\/h4>\n<p data-start=\"1781\" data-end=\"1944\">\u062d\u062a\u0649 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u0645\u062d\u062a\u0631\u0641\u064a\u0646 \u0642\u062f \u064a\u0642\u0639\u0648\u0646 \u0636\u062d\u064a\u0629 \u0644\u0645\u0648\u0627\u0642\u0639 \u0645\u0632\u064a\u0641\u0629 \u0623\u0648 \u0631\u0633\u0627\u0626\u0644 \u062e\u0627\u062f\u0639\u0629. 2FA \u064a\u0645\u0646\u0639 \u0645\u0639\u0638\u0645 \u0647\u062c\u0645\u0627\u062a \u0633\u0631\u0642\u0629 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0645\u0646 \u062e\u0644\u0627\u0644 \u0637\u0644\u0628 \u062e\u0637\u0648\u0629 \u062a\u062d\u0642\u0642 \u0625\u0636\u0627\u0641\u064a\u0629 \u0645\u062b\u0644 \u0631\u0645\u0632 \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642 Authenticator.<\/p>\n<h4 data-start=\"1946\" data-end=\"1999\">\ud83d\udcf2 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0639\u0628\u0631 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0648\u0648\u0627\u062c\u0647\u0627\u062a \u0627\u0644\u0628\u0631\u0645\u062c\u0629<\/h4>\n<p data-start=\"2001\" data-end=\"2146\">\u0641\u064a \u0639\u0635\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0623\u0648\u0644\u064b\u0627\u060c \u062a\u064f\u0639\u062f \u062d\u0645\u0627\u064a\u0629 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0641\u064a \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u0627\u062a\u060c \u0648\u0648\u0627\u062c\u0647\u0627\u062a API\u060c \u0648\u0627\u0644\u062f\u0641\u0639 \u0628\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u064a\u0648\u064a\u0629 \u0623\u0645\u0648\u0631\u064b\u0627 \u0636\u0631\u0648\u0631\u064a\u0629. \u064a\u0636\u064a\u0641 2FA \u0637\u0628\u0642\u0629 \u062d\u0645\u0627\u064a\u0629 \u062d\u0627\u0633\u0645\u0629.<\/p>\n<h4 data-start=\"2148\" data-end=\"2188\">\ud83d\udcb3 \u062a\u0623\u0645\u064a\u0646 \u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629<\/h4>\n<p data-start=\"2190\" data-end=\"2378\">\u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u0645\u0646\u0635\u0627\u062a \u0645\u062b\u0644 <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"2209\" data-end=\"2235\">Buvei<\/a> \u0627\u0644\u062a\u064a \u062a\u0642\u062f\u0645 \u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0631\u0628\u0637 2FA \u0628\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0629\u060c \u0623\u0648 \u062a\u0639\u0628\u0626\u0629 \u0627\u0644\u0631\u0635\u064a\u062f\u060c \u0623\u0648 \u0636\u0628\u0637 \u062d\u062f\u0648\u062f \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645\u060c \u0645\u0645\u0627 \u064a\u0642\u0644\u0644 \u0645\u0646 \u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644 \u0627\u0644\u062f\u0627\u062e\u0644\u064a \u0623\u0648 \u0627\u0644\u062e\u0627\u0631\u062c\u064a.<\/p>\n<h3 data-start=\"2380\" data-end=\"2420\">\u062d\u0627\u0644\u0627\u062a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 2FA \u0641\u064a \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a<\/h3>\n<ul data-start=\"2422\" data-end=\"2704\">\n<li data-start=\"2422\" data-end=\"2482\">\n<p data-start=\"2424\" data-end=\"2482\">\ud83d\udd01 <strong data-start=\"2427\" data-end=\"2449\">\u062d\u0645\u0627\u064a\u0629 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644<\/strong> \u2014 \u062e\u0627\u0635\u0629 \u0645\u0646 \u0623\u062c\u0647\u0632\u0629 \u0623\u0648 \u0645\u0648\u0627\u0642\u0639 \u062c\u062f\u064a\u062f\u0629<\/p>\n<\/li>\n<li data-start=\"2483\" data-end=\"2545\">\n<p data-start=\"2485\" data-end=\"2545\">\ud83d\udcbc <strong data-start=\"2488\" data-end=\"2515\">\u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 \u0644\u0648\u062d\u0629 \u0627\u0644\u0625\u062f\u0627\u0631\u0629<\/strong> \u2014 \u0644\u0644\u0641\u0631\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644<\/p>\n<\/li>\n<li data-start=\"2546\" data-end=\"2631\">\n<p data-start=\"2548\" data-end=\"2631\">\ud83d\udcb0 <strong data-start=\"2551\" data-end=\"2577\">\u0627\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a<\/strong> \u2014 \u0645\u062b\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0623\u0648 \u062a\u0639\u0628\u0626\u0629 \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0623\u0648 \u0627\u0644\u0648\u0635\u0648\u0644 \u0625\u0644\u0649 API<\/p>\n<\/li>\n<li data-start=\"2632\" data-end=\"2704\">\n<p data-start=\"2634\" data-end=\"2704\">\ud83e\uddfe <strong data-start=\"2637\" data-end=\"2657\">\u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a<\/strong> \u2014 \u0644\u062a\u0623\u0643\u064a\u062f \u062a\u063a\u064a\u064a\u0631\u0627\u062a \u0627\u0644\u062e\u0637\u0637 \u0623\u0648 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0645\u062a\u0643\u0631\u0631\u0629<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"2706\" data-end=\"2755\">\u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0644\u062a\u0637\u0628\u064a\u0642 2FA \u0641\u064a \u0627\u0644\u0641\u064a\u0646\u062a\u0643 \u0648\u0627\u0644\u062a\u062c\u0627\u0631\u0629<\/h3>\n<ul data-start=\"2757\" data-end=\"3098\">\n<li data-start=\"2757\" data-end=\"2832\">\n<p data-start=\"2759\" data-end=\"2832\">\u062f\u0639\u0645 \u0627\u0644\u0631\u0645\u0648\u0632 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 (TOTP) \u0639\u0628\u0631 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0645\u062b\u0644 Google Authenticator \u0623\u0648 Authy<\/p>\n<\/li>\n<li data-start=\"2833\" data-end=\"2919\">\n<p data-start=\"2835\" data-end=\"2919\">\u062a\u0648\u0641\u064a\u0631 \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0631\u0645\u0648\u0632 \u0623\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a \u0623\u0648 \u0627\u0644\u0631\u0633\u0627\u0626\u0644 \u0627\u0644\u0646\u0635\u064a\u0629<\/p>\n<\/li>\n<li data-start=\"2920\" data-end=\"2971\">\n<p data-start=\"2922\" data-end=\"2971\">\u062f\u0639\u0645 \u0645\u0641\u0627\u062a\u064a\u062d \u0627\u0644\u0623\u062c\u0647\u0632\u0629 (\u0645\u062b\u0644 YubiKey) \u0644\u0644\u0623\u0645\u0627\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u064a<\/p>\n<\/li>\n<li data-start=\"2972\" data-end=\"3031\">\n<p data-start=\"2974\" data-end=\"3031\">\u062a\u0641\u0639\u064a\u0644 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u062d\u0633\u0628 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 (\u0645\u062b\u0644 \u062a\u063a\u064a\u064a\u0631 \u0627\u0644\u0645\u0648\u0642\u0639 \u0623\u0648 \u0627\u0644\u062c\u0647\u0627\u0632)<\/p>\n<\/li>\n<li data-start=\"3032\" data-end=\"3098\">\n<p data-start=\"3034\" data-end=\"3098\">\u062a\u0642\u062f\u064a\u0645 \u062a\u062c\u0631\u0628\u0629 \u0625\u0639\u062f\u0627\u062f 2FA \u0633\u0644\u0633\u0629 \u0648\u0633\u0647\u0644\u0629 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0633\u062c\u064a\u0644 \u0644\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0627\u0644\u062c\u062f\u062f<\/p>\n<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-4630 size-large\" src=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-1024x768.jpg\" alt=\"\" width=\"1024\" height=\"768\" srcset=\"https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-1024x768.jpg 1024w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-300x225.jpg 300w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-768x576.jpg 768w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-400x300.jpg 400w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-800x600.jpg 800w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-832x624.jpg 832w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7-1248x936.jpg 1248w, https:\/\/wordpress.buvei.com\/wp-content\/uploads\/2025\/06\/Why-2FA-Is-Vital-for-Secure-Online-Payments1-7.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 data-start=\"3100\" data-end=\"3120\">\u0627\u0644\u0623\u0645\u0627\u0646 \u062f\u0648\u0646 \u062a\u0639\u0642\u064a\u062f<\/h3>\n<p data-start=\"3122\" data-end=\"3252\">\u064a\u0648\u0641\u0631 \u0627\u0644\u062a\u062d\u0642\u0642 \u0628\u062e\u0637\u0648\u062a\u064a\u0646 \u062a\u0648\u0627\u0632\u0646\u064b\u0627 \u0645\u062b\u0627\u0644\u064a\u064b\u0627 \u0628\u064a\u0646 \u0633\u0647\u0648\u0644\u0629 \u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0648\u0627\u0644\u062d\u0645\u0627\u064a\u0629. \u0641\u064a \u0639\u0627\u0645 2025\u060c \u0639\u062f\u0645 \u062a\u0641\u0639\u064a\u0644 2FA \u064a\u0639\u0646\u064a \u062a\u0639\u0631\u064a\u0636 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u064a\u0646 \u0648\u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0644\u0644\u062e\u0637\u0631.<\/p>\n<p data-start=\"3254\" data-end=\"3473\">\u0641\u064a <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"3257\" data-end=\"3283\">Buvei<\/a>\u060c \u0646\u0639\u062a\u0628\u0631 2FA \u0631\u0643\u064a\u0632\u0629 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u062d\u0645\u0627\u064a\u0629 \u0645\u0633\u062a\u062e\u062f\u0645\u064a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0639\u0628\u0631 \u0648\u0627\u062c\u0647\u0627\u062a API \u0648\u0634\u0631\u0643\u0627\u0626\u0646\u0627 \u0645\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0627\u062a. \u0633\u0648\u0627\u0621 \u0643\u0646\u062a \u062a\u062f\u064a\u0631 \u0646\u0641\u0642\u0627\u062a \u0625\u0639\u0644\u0627\u0646\u064a\u0629 \u0623\u0648 \u062a\u0628\u0646\u064a \u062a\u062f\u0641\u0642\u064b\u0627 \u0645\u0627\u0644\u064a\u064b\u0627\u060c \u0641\u0625\u0646 2FA \u0644\u0645 \u064a\u0639\u062f \u062e\u064a\u0627\u0631\u064b\u0627 \u2014 \u0628\u0644 \u0636\u0631\u0648\u0631\u0629.<\/p>\n<h3 data-start=\"3480\" data-end=\"3506\">\u2753 \u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 (FAQ)<\/h3>\n<p data-start=\"3508\" data-end=\"3656\"><strong data-start=\"3508\" data-end=\"3546\">\u0633\u0661: \u0647\u0644 \u062c\u0645\u064a\u0639 \u0645\u0646\u0635\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u062a\u062a\u0637\u0644\u0628 2FA\u061f<\/strong><br data-start=\"3546\" data-end=\"3549\" \/>\u0644\u064a\u0633 \u062c\u0645\u064a\u0639\u0647\u0627\u060c \u0648\u0644\u0643\u0646 \u0645\u0639\u0638\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0646\u0638\u0645\u0629 \u2014 \u0645\u062b\u0644 Buvei \u2014 \u062a\u0639\u062a\u0645\u062f\u0647\u0627 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0625\u0644\u0649 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0645\u062b\u0644 PSD2 \u0648PCI DSS.<\/p>\n<p data-start=\"3658\" data-end=\"3819\"><strong data-start=\"3658\" data-end=\"3688\">\u0633\u0662: \u0645\u0627 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 2FA \u0648MFA\u061f<\/strong><br data-start=\"3688\" data-end=\"3691\" \/>2FA \u064a\u0639\u0646\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0639\u0627\u0645\u0644\u064a\u0646 \u0644\u0644\u062a\u062d\u0642\u0642. MFA \u0647\u0648 \u0627\u0644\u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0623\u0648\u0633\u0639 \u0648\u064a\u0639\u0646\u064a \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0639\u0627\u0645\u0644\u064a\u0646 \u0623\u0648 \u0623\u0643\u062b\u0631. \u0643\u0644 2FA \u0647\u0648 MFA\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0639\u0643\u0633 \u0644\u064a\u0633 \u062f\u0627\u0626\u0645\u064b\u0627 \u0635\u062d\u064a\u062d\u064b\u0627.<\/p>\n<p data-start=\"3821\" data-end=\"4016\"><strong data-start=\"3821\" data-end=\"3860\">\u0633\u0663: \u0645\u0627\u0630\u0627 \u0623\u0641\u0639\u0644 \u0625\u0630\u0627 \u0641\u0642\u062f\u062a \u062c\u0647\u0627\u0632 \u0627\u0644\u062a\u062d\u0642\u0642\u061f<\/strong><br data-start=\"3860\" data-end=\"3863\" \/>\u062a\u0648\u0641\u0631 \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u0646\u0635\u0627\u062a\u060c \u0645\u062b\u0644 Buvei\u060c \u0637\u0631\u0642 \u0627\u0633\u062a\u0631\u062f\u0627\u062f \u0645\u062b\u0644 \u0627\u0644\u0631\u0645\u0648\u0632 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0637\u064a\u0629\u060c \u0623\u0648 \u0627\u0644\u062a\u062d\u0642\u0642 \u0639\u0628\u0631 \u0627\u0644\u0628\u0631\u064a\u062f \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u060c \u0623\u0648 \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0627\u0644\u0647\u0648\u064a\u0629 \u0639\u0628\u0631 <a href=\"https:\/\/buvei.com\/blog\/kyc-vs-aml-payment-compliance\/\">KYC<\/a>.<\/p>\n<p data-start=\"4018\" data-end=\"4202\"><strong data-start=\"4018\" data-end=\"4054\">\u0633\u0664: \u0647\u0644 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u062e\u062a\u0631\u0642\u064a\u0646 \u062a\u062c\u0627\u0648\u0632 2FA\u061f<\/strong><br data-start=\"4054\" data-end=\"4057\" \/>\u0646\u0627\u062f\u0631\u0627\u064b \u0645\u0627 \u064a\u062d\u062f\u062b \u0630\u0644\u0643. \u062a\u0648\u062c\u062f \u0647\u062c\u0645\u0627\u062a \u0645\u062a\u0642\u062f\u0645\u0629 \u0645\u062b\u0644 \u0627\u0646\u062a\u062d\u0627\u0644 \u0627\u0644\u0634\u0631\u064a\u062d\u0629 (SIM Swap) \u0623\u0648 \u0627\u0644\u062a\u0635\u064a\u062f \u0627\u0644\u0645\u0648\u062c\u0647\u060c \u0644\u0643\u0646 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u062a\u0637\u0628\u064a\u0642\u0627\u062a TOTP \u0648\u0627\u0644\u062a\u0646\u0628\u064a\u0647\u0627\u062a \u064a\u062c\u0639\u0644 \u0627\u0644\u0646\u062c\u0627\u062d \u0634\u0628\u0647 \u0645\u0633\u062a\u062d\u064a\u0644.<\/p>\n<hr data-start=\"4204\" data-end=\"4207\" \/>\n<p data-start=\"4209\" data-end=\"4350\">\ud83d\udccc <strong data-start=\"4212\" data-end=\"4266\">\u0647\u0644 \u062a\u0628\u062d\u062b \u0639\u0646 \u0628\u0637\u0627\u0642\u0629 \u0627\u0641\u062a\u0631\u0627\u0636\u064a\u0629 \u0622\u0645\u0646\u0629 \u0645\u0639 \u062d\u0645\u0627\u064a\u0629 \u0645\u062f\u0645\u062c\u0629 2FA\u061f<\/strong><br data-start=\"4266\" data-end=\"4269\" \/>\u0627\u0643\u062a\u0634\u0641 \u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 \u0645\u0646 <a class=\"\" href=\"https:\/\/buvei.com\" target=\"_new\" rel=\"noopener\" data-start=\"4289\" data-end=\"4315\">Buvei<\/a> \u0648\u0627\u0628\u062f\u0623 \u0628\u062a\u0623\u0645\u064a\u0646 \u0639\u0645\u0644\u064a\u0627\u062a\u0643 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0628\u062b\u0642\u0629.<\/p>\n","protected":false},"excerpt":{"rendered":"\u0645\u0639 \u062a\u0632\u0627\u064a\u062f \u0627\u0644\u062a\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629\u060c \u062a\u0632\u062f\u0627\u062f \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0627\u0644\u0645\u0631\u062a\u0628\u0637\u0629 \u0628\u0647\u0627\u060c \u0645\u062b\u0644 \u0627\u0644\u062a\u0635\u064a\u062f \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u0644\u064a\u060c \u0648\u0633\u0631\u0642\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a\u060c \u0648\u0627\u062e\u062a\u0631\u0627\u0642 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a. \u0641\u064a \u0647\u0630\u0627 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