{"id":581,"date":"2026-04-19T02:54:27","date_gmt":"2026-04-19T00:54:27","guid":{"rendered":"https:\/\/riskpaygo.com\/?p=581"},"modified":"2026-04-19T02:54:27","modified_gmt":"2026-04-19T00:54:27","slug":"%e3%82%b9%e3%83%9a%e3%82%a4%e3%83%b3%e3%81%ae%e6%b1%ba%e6%b8%88%e3%82%b2%e3%83%bc%e3%83%88%e3%82%a6%e3%82%a7%e3%82%a4","status":"publish","type":"post","link":"https:\/\/riskpaygo.com\/ja\/%e3%82%b9%e3%83%9a%e3%82%a4%e3%83%b3%e3%81%ae%e6%b1%ba%e6%b8%88%e3%82%b2%e3%83%bc%e3%83%88%e3%82%a6%e3%82%a7%e3%82%a4\/","title":{"rendered":"\u30b9\u30da\u30a4\u30f3\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\uff1a\u30aa\u30f3\u30e9\u30a4\u30f3\u8ca9\u58f2\u306e\u305f\u3081\u306e\u5b89\u5168\u306a\u9078\u629e\u80a2"},"content":{"rendered":"<p>\u30aa\u30f3\u30e9\u30a4\u30f3\u8ca9\u58f2\u306f\u3082\u306f\u3084\u9078\u629e\u80a2\u3067\u306f\u306a\u304f\u3001\u30c7\u30b8\u30bf\u30eb\u7d4c\u6e08\u306e\u539f\u52d5\u529b\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u3060\u304b\u3089\u3053\u305d\u3001\u30b9\u30da\u30a4\u30f3\u3067\u6700\u9069\u306a\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u9078\u3076\u3053\u3068\u306f\u3001\u3042\u306a\u305f\u306e\u30b5\u30fc\u30d3\u30b9\u3078\u306e\u4fe1\u983c\u3092\u751f\u307f\u51fa\u3059\u6226\u7565\u306a\u306e\u3067\u3059\u3002<\/p>\n<p>\u305d\u3057\u3066\u6570\u5b57\u306f\u5618\u3092\u3064\u304d\u307e\u305b\u3093\u3002CNMC\uff08\u56fd\u5bb6\u5e02\u5834\u7af6\u4e89\u59d4\u54e1\u4f1a\uff09\u306e\u6700\u65b0\u30c7\u30fc\u30bf\u306b\u3088\u308b\u3068\u3001 <strong>\u6211\u304c\u56fd\u306e\u96fb\u5b50\u5546\u53d6\u5f15\u306f\u3001\u3042\u3089\u3086\u308b\u9650\u754c\u3092\u6253\u3061\u7834\u3063\u305f<\/strong>\u3001\u5e74\u9593840\u5104\u30e6\u30fc\u30ed\u3092\u8d85\u3048\u30012\u6841\u306e\u6301\u7d9a\u7684\u306a\u6210\u9577\u3092\u9042\u3052\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3057\u304b\u3057\u3001\u3053\u306e\u597d\u6cc1\u306e\u4e2d\u3067\u306f\u7af6\u4e89\u306f\u71be\u70c8\u3067\u3001\u8a31\u5bb9\u3055\u308c\u308b\u8aa4\u5dee\u306f\u3054\u304f\u308f\u305a\u304b\u3067\u3059\u3002\u5b9f\u969b\u3001 <strong>\u5f7c<\/strong> <strong>\u30b9\u30da\u30a4\u30f3\u4eba\u8cfc\u5165\u8005\u306e75%<\/strong> \u5b89\u5168\u6027\u3092\u8cfc\u5165\u3092\u5b8c\u4e86\u3059\u308b\u305f\u3081\u306e\u6c7a\u5b9a\u8981\u56e0\u3068\u3057\u3066\u6319\u3052\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u30b9\u30da\u30a4\u30f3\u306b\u304a\u3051\u308bE\u30b3\u30de\u30fc\u30b9\u306e\u5c55\u671b\uff1a\u306a\u305c\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u304c\u3042\u306a\u305f\u306e\u6700\u5927\u306e\u8cc7\u7523\u306a\u306e\u304b\uff1f<\/h2>\n<p>\u30aa\u30f3\u30e9\u30a4\u30f3\u8ca9\u58f2\u306f\u2026\u306b\u306a\u308a\u307e\u3057\u305f<strong> \u6211\u304c\u56fd\u306e\u7d4c\u6e08\u754c\u306e\u4e2d\u5fc3\u3002\u00a0<\/strong><\/p>\n<p>\u306b\u3088\u308b\u3068\u3001 <a href=\"https:\/\/www.cnmc.es\/prensa\/datos-comercio-electronico-2T-2025-20260109\" target=\"_blank\" rel=\"nofollow noopener\"><strong>CNMC\u306e\u6700\u65b0\u30ec\u30dd\u30fc\u30c8<\/strong><\/a> <strong>\uff08\u56fd\u5bb6\u5e02\u5834\u30fb\u7af6\u4e89\u59d4\u54e1\u4f1a\uff09<\/strong>\u3001\u30b9\u30da\u30a4\u30f3\u306e\u96fb\u5b50\u5546\u53d6\u5f15\u306f\u3001\u301c\u306e\u58c1\u3092\u7a81\u7834\u3057\u307e\u3057\u305f <strong>\u56db\u534a\u671f\u3054\u3068\u306b210\u5104\u30e6\u30fc\u30ed<\/strong>\u3001\u524d\u5e74\u6bd415\uff05\u8d85\u306e\u6210\u9577\u3092\u7d99\u7d9a\u7684\u306b\u8a18\u9332\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b1\u30fc\u30ad\u306f\u5de8\u5927\u3067\u3059\u304c\u3001\u30b9\u30da\u30a4\u30f3\u306e\u30e6\u30fc\u30b6\u30fc\u306e\u671f\u5f85\u6c34\u6e96\u3082\u307e\u305f\u9ad8\u307e\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u4fe1\u983c\uff1a\u30b9\u30da\u30a4\u30f3\u4eba\u6d88\u8cbb\u8005\u306e\u300c\u30cf\u30f3\u30c9\u30d6\u30ec\u30fc\u30ad\u300d<\/h2>\n<p>\u3059\u3079\u3066\u304c\u30d0\u30e9\u8272\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6210\u9577\u306b\u306f\u30ea\u30b9\u30af\u304c\u4f34\u3044\u3001\u6d88\u8cbb\u8005\u3082\u305d\u308c\u3092\u77e5\u3063\u3066\u3044\u307e\u3059\u3002\u3053\u3053\u3067\u30c7\u30fc\u30bf\u304c\u5f79\u7acb\u3061\u307e\u3059\u3002 <strong>INCIBE\uff08\u56fd\u7acb\u30b5\u30a4\u30d0\u30fc\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u7814\u7a76\u6240\uff09<\/strong> \u73fe\u5b9f\u3092\u7a81\u304d\u3064\u3051\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u3054\u89a7\u306e\u3068\u304a\u308a\u3001\u30b5\u30a4\u30d0\u30fc\u653b\u6483\u3084\u30c7\u30b8\u30bf\u30eb\u53d6\u5f15\u306b\u304a\u3051\u308b\u8a50\u6b3a\u306e\u8a66\u307f\u306f\u3001\u56fd\u5185\u4f01\u696d\u306b\u3068\u3063\u3066\u4e3b\u8981\u306a\u61f8\u5ff5\u4e8b\u9805\u306e\u4e00\u3064\u3067\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u306e\u3068\u3053\u308d\u3001\u305d\u306e <a href=\"https:\/\/www.incibe.es\/incibe\/sala-de-prensa\/incibe-detecto-mas-de-122000-incidentes-de-ciberseguridad-en-2025\" target=\"_blank\" rel=\"nofollow noopener\"><strong>INCIBE\u306f\u6bce\u5e74\u6570\u5343\u4ef6\u306e\u30a4\u30f3\u30b7\u30c7\u30f3\u30c8\u3092\u7ba1\u7406\u3057\u3066\u3044\u307e\u3059<\/strong><\/a> e\u30b3\u30de\u30fc\u30b9\u306b\u95a2\u9023\u3057\u3066\u304a\u308a\u3001\u305d\u306e\u305f\u3081\u30b9\u30da\u30a4\u30f3\u306e\u8cb7\u3044\u624b\u306f\u975e\u5e38\u306b\u614e\u91cd\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30ed\u30fc\u30ab\u30eb\u30e6\u30fc\u30b6\u30fc\u306b\u3068\u3063\u3066\u3001\u30ab\u30fc\u30c9\u60c5\u5831\u3092\u5165\u529b\u3059\u308b\u77ac\u9593\u306f\u300c\u771f\u5b9f\u306e\u77ac\u9593\u300d\u3067\u3059\u3002\u3082\u3057\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u304c\uff1a<\/p>\n<ul>\n<li>\u8996\u899a\u7684\u306b\u4e0d\u5be9\u306a\u30b5\u30a4\u30c8\u306b\u30ea\u30c0\u30a4\u30ec\u30af\u30c8\u3057\u307e\u3059\u3002<\/li>\n<li>\u30d7\u30ed\u30c8\u30b3\u30eb\u3092\u6e80\u305f\u3057\u3066\u3044\u307e\u305b\u3093 <strong>3D\u30bb\u30ad\u30e5\u30a2<\/strong>.<\/li>\n<li>\u3042\u308b\u3044\u306f\u3001\u5358\u306b\u898b\u6163\u308c\u306a\u3044\u3088\u3046\u306b\u898b\u3048\u308b\u3060\u3051\u3067\u3059\uff08\u4f5c\u308a\u8fbc\u307f\u306e\u7518\u3044\u30a4\u30f3\u30bf\u30fc\u30d5\u30a7\u30fc\u30b9\u3067\u8d77\u3053\u308a\u304c\u3061\u3067\u3059\uff09\u3002<\/li>\n<\/ul>\n<p>\u3053\u308c\u304c\u8d77\u3053\u308b\u3068\u3001\u9867\u5ba2\u306f\u96e2\u308c\u3066\u3057\u307e\u3044\u3001\u3055\u3089\u306b\u898b\u308b\u3068\u3001IAB Spain\u306e\u3088\u3046\u306a\u30dd\u30fc\u30bf\u30eb\u3082\u78ba\u8a8d\u3057\u3066\u3044\u307e\u3059\u3002 <strong>\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u591a\u69d8\u306a\u652f\u6255\u3044\u65b9\u6cd5<\/strong> \u30aa\u30f3\u30e9\u30a4\u30f3\u30b9\u30c8\u30a2\u3092\u4ed6\u306e\u30b9\u30c8\u30a2\u3088\u308a\u9078\u3076\u7406\u7531\u306e\u30c8\u30c3\u30d73\u306b\u3068\u3069\u307e\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u30b9\u30da\u30a4\u30f3\u3067\u306f\u3001\u8cfc\u5165\u306e\u6700\u5f8c\u306e30\u79d2\u3067\u4fe1\u983c\u3092\u751f\u307f\u51fa\u305b\u306a\u3051\u308c\u3070\u3001\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u3078\u306e\u6295\u8cc7\u306f\u305d\u306e\u307e\u307e\u7121\u99c4\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<h2>\u3042\u306a\u305f\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u3001\u5358\u306a\u308b\u56de\u53ce\u624b\u6bb5\u3067\u306f\u306a\u304f\u3001\u6210\u9577\u306e\u539f\u52d5\u529b\u306b<\/h2>\n<p>\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u5358\u306b\u30d3\u30b8\u30cd\u30b9\u306e\u304a\u91d1\u3092\u52d5\u304b\u3059\u305f\u3081\u306e\u30c4\u30fc\u30eb\u3068\u3057\u3066\u7406\u89e3\u3059\u308b\u306e\u306f\u3001\u6226\u7565\u4e0a\u306e\u8aa4\u308a\u3067\u3059\u3002\u73fe\u5728\u306e\u30b9\u30da\u30a4\u30f3\u306e\u6587\u8108\u3067\u306f\u3001\u3042\u306a\u305f\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u6700\u5927\u306e\u8cc7\u7523\u3067\u3059\u3002\u306a\u305c\u306a\u3089\uff1a<\/p>\n<ul>\n<li><strong>\u96e2\u8131\u3092\u6e1b\u3089\u3059\uff1a<\/strong> \u30b9\u30e0\u30fc\u30ba\u306a\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306b\u3088\u308a\u3001\u6700\u5927\u30671\u3064\u3092\u53d6\u308a\u623b\u3059\u3053\u3068\u304c\u3067\u304d\u307e\u3059 <strong>\u58f2\u4e0a\u306e20%<\/strong> \u6280\u8853\u7684\u306a\u6469\u64e6\u306b\u3088\u308a\u3001\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u5931\u308f\u308c\u3066\u3044\u305f\u3067\u3042\u308d\u3046\u3082\u306e\u3002<\/li>\n<li><strong>\u6cd5\u7684\u9069\u5408\u6027\u3092\u4fdd\u8a3c\u3057\u307e\u3059:<\/strong> \u6b27\u5dde\u6307\u4ee4\u306b\u57fa\u3065\u304fSCA\uff08Strong Customer Authentication\uff09\u898f\u5236\u3078\u306e\u6e96\u62e0\u306f\u4efb\u610f\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5236\u88c1\u306b\u5bfe\u3059\u308b\u6cd5\u7684\u306a\u9632\u5fa1\u7b56\u3067\u3059\u3002<\/li>\n<li><strong>\u30ea\u30d4\u30fc\u30bf\u30fc\u3092\u4fc3\u9032\uff1a<\/strong> \u8fc5\u901f\u306b\u652f\u6255\u3044\u3092\u3057\u3001\u5b89\u5fc3\u611f\u3092\u5f97\u305f\u9867\u5ba2\u306f\u3001\u307e\u305f\u623b\u3063\u3066\u304d\u307e\u3059\u3002<\/li>\n<li><strong>\u5c02\u9580\u5bb6\u306e\u8003\u5bdf:<\/strong> \u884c\u653f\u306f\uff08CARM\u3067\u898b\u305f\u3088\u3046\u306b\uff09\u7d14\u7c8b\u304b\u3064\u53b3\u683c\u306a\u30b3\u30f3\u30d7\u30e9\u30a4\u30a2\u30f3\u30b9\u306b\u91cd\u70b9\u3092\u7f6e\u304f\u4e00\u65b9\u3067\u3001\u6210\u529f\u3059\u308be\u30b3\u30de\u30fc\u30b9\u306f <strong>\u7d4c\u9a13<\/strong>.<\/li>\n<\/ul>\n<p>\u305d\u306e\u305f\u3081\u3001\u3092\u63d0\u4f9b\u3059\u308b\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3\u306f <strong>\u30b9\u30de\u30fc\u30c8\u9632\u8b77 <\/strong>INCIBE \u306e\u8b66\u544a\u901f\u5831\u3067\u305f\u3073\u305f\u3073\u5831\u544a\u3055\u308c\u3066\u3044\u308b\u3001\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u3084\u30a2\u30ab\u30a6\u30f3\u30c8\u505c\u6b62\u3092\u6050\u308c\u305a\u306b\u30b9\u30da\u30a4\u30f3\u306e\u4e8b\u696d\u8005\u304c\u62e1\u5927\u3067\u304d\u308b\u3088\u3046\u306b\u3057\u3066\u3044\u308b\u306e\u304c\u3001\u3053\u308c\u3089\u306a\u306e\u3067\u3059\u3002<\/p>\n<h2>\u30b9\u30da\u30a4\u30f3\u306b\u304a\u3051\u308b\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306e\u4ed5\u7d44\u307f<\/h2>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-582 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/como-funcionan-las-pasarelas-de-pago-en-espana.jpg\" alt=\"\u30b9\u30da\u30a4\u30f3\u306b\u304a\u3051\u308b\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306e\u4ed5\u7d44\u307f\u306f\u3069\u306e\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u304b\" width=\"1000\" height=\"558\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/como-funcionan-las-pasarelas-de-pago-en-espana.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/como-funcionan-las-pasarelas-de-pago-en-espana-300x167.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/como-funcionan-las-pasarelas-de-pago-en-espana-768x429.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/como-funcionan-las-pasarelas-de-pago-en-espana-18x10.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>\u30b9\u30da\u30a4\u30f3\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306e\u4ed5\u7d44\u307f\u306f\u3001\u4e00\u898b\u3059\u308b\u3068\u898b\u305f\u76ee\u307b\u3069\u8907\u96d1\u3067\u306f\u306a\u304f\u3001\u30d7\u30ed\u30bb\u30b9\u5168\u4f53\u306f\u308f\u305a\u304b\u6570\u79d2\u3067\u5b8c\u4e86\u3057\u307e\u3059\u304c\u3001\u305d\u306e\u88cf\u3067\u306f\u5b89\u5168\u6027\u3068\u8fc5\u901f\u3055\u3092\u4fdd\u8a3c\u3059\u308b\u3044\u304f\u3064\u304b\u306e\u624b\u9806\u304c\u884c\u308f\u308c\u3066\u3044\u307e\u3059\uff1a<\/p>\n<h3>1. \u9867\u5ba2\u304c\u652f\u6255\u3044\u3092\u958b\u59cb\u3057\u307e\u3059<\/h3>\n<p>\u30e6\u30fc\u30b6\u30fc\u304c\u3042\u306a\u305f\u306e\u30b7\u30e7\u30c3\u30d7\u3067\u30ab\u30fc\u30c9\u3001Bizum\u3001Apple Pay\u3001\u307e\u305f\u306fGoogle Pay\u306e\u3044\u305a\u308c\u304b\u3067\u652f\u6255\u3044\u65b9\u6cd5\u3092\u9078\u3076\u3068\u3001\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u304c\u52d5\u304d\u59cb\u3081\u307e\u3059\u3002<\/p>\n<p><strong>\u9867\u5ba2\u306f\u81ea\u5206\u306e\u60c5\u5831\u3092\u5165\u529b\u3059\u308b\u304b\u3001\u307e\u305f\u306f\u5358\u306b\u652f\u6255\u3044\u3092\u78ba\u8a8d\u3057\u307e\u3059<\/strong> \u30e2\u30d0\u30a4\u30eb\u307e\u305f\u306f\u9280\u884c\u306e\u30a2\u30d7\u30ea\u304b\u3089\u3001\u305d\u3057\u3066\u305d\u306e\u77ac\u9593\u306b\u3001\u3059\u3079\u3066\u306e\u60c5\u5831\u306f\u81ea\u52d5\u7684\u306b\u6697\u53f7\u5316\u3055\u308c\u3001Web\u30b5\u30a4\u30c8\u304b\u3089\u51fa\u308b\u524d\u306b\u4fdd\u8b77\u3055\u308c\u305f\u72b6\u614b\u3067\u9001\u4fe1\u3055\u308c\u307e\u3059\u3002<\/p>\n<h3>2. \u60c5\u5831\u306e\u9001\u4fe1\u3068\u78ba\u8a8d<\/h3>\n<p>\u6697\u53f7\u5316\u3055\u308c\u305f\u3089\u3001 <strong>\u30c7\u30fc\u30bf\u306f\u5b89\u5168\u306b\u6c7a\u6e08\u51e6\u7406\u696d\u8005\u307e\u3067\u9001\u4fe1\u3055\u308c\u307e\u3059<\/strong>. \u3053\u308c\u306f\u3001\u9867\u5ba2\u306e\u9280\u884c\u307e\u305f\u306fBizum\u306e\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u306b\u63a5\u7d9a\u3057\u3066\u30012\u3064\u306e\u3053\u3068\u3092\u78ba\u8a8d\u3057\u307e\u3059\u3002\u5341\u5206\u306a\u6b8b\u9ad8\u304c\u3042\u308b\u3053\u3068\u3068\u3001\u53d6\u5f15\u304c\u4e0d\u6b63\u3067\u3042\u308b\u3088\u3046\u306b\u898b\u3048\u306a\u3044\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u3053\u3053\u30673D Secure\u304c\u6709\u52b9\u306b\u306a\u308a\u3001\u30b3\u30fc\u30c9\u307e\u305f\u306f\u30d7\u30c3\u30b7\u30e5\u901a\u77e5\u306b\u3088\u3063\u3066\u8ffd\u52a0\u306e\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u5c64\u304c\u52a0\u308f\u308a\u307e\u3059\u3002\u30b9\u30da\u30a4\u30f3\u304a\u3088\u3073\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u53d6\u5f15\u3067\u5fc5\u9808\u3067\u3059\u3002<\/p>\n<h3>3. \u9280\u884c\u306e\u627f\u8a8d<\/h3>\n<p><strong>\u9867\u5ba2\u306e\u9280\u884c\u306f\u30ea\u30af\u30a8\u30b9\u30c8\u3092\u30ea\u30a2\u30eb\u30bf\u30a4\u30e0\u3067\u5206\u6790\u3057\u307e\u3059 <\/strong>\u300c\u306f\u3044\u300d\u304b\u300c\u3044\u3044\u3048\u300d\u304b\u3092\u5224\u65ad\u3057\u307e\u3059\u3002\u3059\u3079\u3066\u304c\u6b63\u3057\u3051\u308c\u3070\u3001\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306b\u80af\u5b9a\u7684\u306a\u5fdc\u7b54\u3092\u8fd4\u3057\u307e\u3059\u3002<\/p>\n<p>\u3053\u3053\u304c\u91cd\u8981\u306a\u77ac\u9593\u3067\u3059\u3002\u3053\u3053\u3067\u8ca9\u58f2\u304c\u6210\u7acb\u3059\u308b\u304b\u3001\u305d\u308c\u3068\u3082\u53f0\u7121\u3057\u306b\u306a\u308b\u304b\u304c\u6c7a\u307e\u308b\u304b\u3089\u3067\u3059\u3002<\/p>\n<h3>4. \u78ba\u8a8d\u3068\u5b8c\u4e86<\/h3>\n<p>\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u304c\u9280\u884c\u304b\u3089\u627f\u8a8d\u3092\u53d7\u3051\u308b\u3068\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u30b9\u30c8\u30a2\u306b\u305d\u306e\u65e8\u3092\u4f1d\u3048\u307e\u3059\u3002\u9867\u5ba2\u306f\u753b\u9762\u3067\u652f\u6255\u3044\u304c\u627f\u8a8d\u3055\u308c\u305f\u3053\u3068\u3092\u78ba\u8a8d\u3057\u3001\u78ba\u8a8d\u30e1\u30fc\u30eb\u3092\u53d7\u3051\u53d6\u308a\u307e\u3059\u3002<\/p>\n<p>\u540c\u6642\u306b\u3001 <strong>\u53d6\u5f15\u306f\u7ba1\u7406\u30d1\u30cd\u30eb\u306b\u8a18\u9332\u3055\u308c\u307e\u3059<\/strong> \u6ce8\u6587\u3092\u5b89\u5fc3\u3057\u3066\u7ba1\u7406\u3067\u304d\u308b\u3088\u3046\u306b\u3002<\/p>\n<h3>5. \u8cc7\u91d1\u306e\u6e05\u7b97<\/h3>\n<p>\u8cc7\u91d1\u304c\u3042\u306a\u305f\u306e\u53e3\u5ea7\u306b\u53cd\u6620\u3055\u308c\u308b\u6642\u671f\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u5165\u91d1\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u306f\u3001\u9078\u629e\u3057\u305f\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3068\u3001\u9867\u5ba2\u304c\u4f7f\u7528\u3057\u305f\u652f\u6255\u3044\u65b9\u6cd5\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u3002\u901a\u5e38\u306f24\u6642\u9593\u304b\u30893\u301c5\u55b6\u696d\u65e5\u306e\u9593\u3067\u3059\u3002<\/p>\n<h2>\u30b9\u30da\u30a4\u30f3\u306b\u304a\u3051\u308b\u6700\u826f\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u6bd4\u8f03\uff082026\u5e74\uff09<\/h2>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-586 size-full\" src=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/pasarelas-de-pago-en-Espana.jpg\" alt=\"\u30b9\u30da\u30a4\u30f3\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\" width=\"1000\" height=\"558\" title=\"\" srcset=\"https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/pasarelas-de-pago-en-Espana.jpg 1000w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/pasarelas-de-pago-en-Espana-300x167.jpg 300w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/pasarelas-de-pago-en-Espana-768x429.jpg 768w, https:\/\/riskpaygo.com\/wp-content\/uploads\/2026\/04\/pasarelas-de-pago-en-Espana-18x10.jpg 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<p>\u73fe\u5728\u3001\u30b9\u30da\u30a4\u30f3\u3067\u6700\u3082\u512a\u308c\u305f5\u3064\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u6b21\u306e\u3068\u304a\u308a\u3067\u3059\uff1a<\/p>\n<h3>1. Redsys\uff1a\u30b9\u30da\u30a4\u30f3\u306e\u4f1d\u7d71\u7684\u306a\u9280\u884c\u696d\u754c\u3092\u30ea\u30fc\u30c9\u3059\u308b\u30a4\u30f3\u30d5\u30e9\u30b9\u30c8\u30e9\u30af\u30c1\u30e3<\/h3>\n<p>\u307e\u305a\u306fRedsys\u304b\u3089\u3067\u3059\u3002\u3053\u308c\u306f\u30b9\u30da\u30a4\u30f3\u306e\u9280\u884c\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3067\u3001\u305d\u306e\u305f\u3081\u3001\u3059\u3067\u306b\u6cd5\u4eba\u9280\u884c\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u3066\u3001\u5916\u90e8\u306e\u4ef2\u4ecb\u696d\u8005\u3092\u4ecb\u3055\u305a\u306b\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u4ee3\u91d1\u3092\u56de\u53ce\u3057\u305f\u3044\u5f93\u6765\u578b\u306e\u591a\u304f\u306e\u5e97\u8217\u3067\u5229\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u4f7f\u3048\u3070\u3001\u304a\u91d1\u306f\u9014\u4e2d\u3067\u8ab0\u306b\u3082\u7559\u3081\u3089\u308c\u308b\u3053\u3068\u306a\u304f\u3001\u76f4\u63a5\u3042\u306a\u305f\u306e\u9280\u884c\u3078\u9001\u3089\u308c\u307e\u3059\u3002<\/p>\n<p><strong>\u624b\u6570\u6599\u306f\u901a\u5e38\u3001Stripe\u3084PayPal\u3088\u308a\u3082\u4f4e\u304f\u306a\u308a\u307e\u3059\u3002<\/strong> \u305f\u3060\u3057\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u901a\u5e38\u3001\u6708\u984d\u306e\u4fdd\u5b88\u6599\u91d1\u304c\u304b\u304b\u308a\u307e\u3059\u3002\u3055\u3089\u306b\u3001\u6280\u8853\u7684\u306a\u77e5\u8b58\u304c\u306a\u3044\u5834\u5408\u3001\u7d71\u5408\u306f\u3042\u307e\u308a\u4f7f\u3044\u3084\u3059\u304f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<h3>2. Stripe: \u30c7\u30b8\u30bf\u30eb\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u306e\u6280\u8853\u9769\u65b0\u3068\u67d4\u8edf\u6027<\/h3>\n<p><a href=\"https:\/\/riskpaygo.com\/ja\/stripe-%e3%81%ae%e4%bb%a3%e6%9b%bf%e6%89%8b%e6%ae%b5\/\" target=\"_blank\" rel=\"noopener\"><strong>\u30b9\u30c8\u30e9\u30a4\u30d7<\/strong><\/a> \u3053\u308c\u306f\u5b9a\u756a\u3067\u3042\u308a\u3001\u30c7\u30b8\u30bf\u30eb\u30d3\u30b8\u30cd\u30b9\u3084\u30c6\u30af\u30ce\u30ed\u30b8\u30fc\u7cfb\u306e\u8d77\u696d\u5bb6\u306b\u6700\u3082\u652f\u6301\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>WooCommerce\u3068\u6570\u5206\u3067\u7d71\u5408\u3067\u304d\u307e\u3059\u3002<\/strong> \u6708\u984d\u6599\u91d1\u306f\u306a\u304f\u3001\u305d\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306f\u5e02\u5834\u3067\u3082\u6700\u9ad8\u30af\u30e9\u30b9\u3067\u3059\u3002\u3055\u3089\u306b\u3001135\u4ee5\u4e0a\u306e\u901a\u8ca8\u3067\u306e\u6c7a\u6e08\u304c\u53ef\u80fd\u3067\u3001Apple Pay\u3001Google Pay\u3001\u305d\u3057\u3066\u4e16\u754c\u4e2d\u306e\u30ab\u30fc\u30c9\u306b\u5bfe\u5fdc\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u554f\u984c\u306f\u3001Stripe\u306f\u9280\u884c\u3067\u306f\u306a\u304f\u3001\u4ef2\u4ecb\u696d\u8005\u3060\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u304a\u91d1\u306f\u76f4\u63a5\u3042\u306a\u305f\u306e\u53e3\u5ea7\u306b\u5165\u308b\u306e\u3067\u306f\u306a\u304f\u3001Stripe\u3092\u7d4c\u7531\u3057\u307e\u3059\u3002\u3082\u3057\u4f55\u304b\u4e0d\u5be9\u306a\u70b9\u3092\u691c\u77e5\u3057\u305f\u5834\u5408\u3001\u6570\u9031\u9593\u306b\u308f\u305f\u3063\u3066\u8cc7\u91d1\u3092\u4fdd\u7559\u3055\u308c\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3>3. PAYCOMET: \u56fd\u7523\u306e\u8a8d\u8a3c\u4ed8\u304d\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u30bd\u30ea\u30e5\u30fc\u30b7\u30e7\u30f3<\/h3>\n<p>PAYCOMET\u3092\u4f7f\u3063\u3066\u3001\u30b9\u30da\u30a4\u30f3\u306e\u6700\u826f\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306e\u30c8\u30c3\u30d7\u3092\u5f15\u304d\u7d9a\u304d\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u3053\u308c\u306f\u3001Stripe\u306b\u4ee3\u308f\u308b\u30ed\u30fc\u30ab\u30eb\u306a\u9078\u629e\u80a2\u3092\u6c42\u3081\u308b\u4eba\u3005\u306e\u9593\u3067\u3001\u3057\u3063\u304b\u308a\u3068\u5b58\u5728\u611f\u3092\u78ba\u7acb\u3057\u3066\u304d\u307e\u3057\u305f\u3002<\/p>\n<p><strong>WooCommerce\u3001PrestaShop\u3068\u306e\u9023\u643a\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u304a\u3059\u3059\u3081\u3057\u307e\u3059<\/strong> \u4ed6\u306e\u30d7\u30e9\u30c3\u30c8\u30d5\u30a9\u30fc\u30e0\u3082\u3042\u308a\u3001\u305d\u306e\u5f37\u307f\u306f\u30aa\u30e0\u30cb\u30c1\u30e3\u30cd\u30eb\u5bfe\u5fdc\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u540c\u3058\u7ba1\u7406\u753b\u9762\u304b\u3089\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u3082\u7269\u7406POS\u3067\u306e\u6c7a\u6e08\u3082\u884c\u3048\u307e\u3059\u3002<\/p>\n<p>\u652f\u6255\u3044\u65b9\u6cd5\u306b\u3064\u3044\u3066\u306f\u3001Bizum\u3001\u30ab\u30fc\u30c9\u3001\u30a6\u30a9\u30ec\u30c3\u30c8\u306b\u5bfe\u5fdc\u3057\u3066\u304a\u308a\u3001\u30b5\u30dd\u30fc\u30c8\u306f\u30b9\u30da\u30a4\u30f3\u8a9e\u306a\u306e\u3067\u3001\u3044\u3064\u3082\u52a9\u304b\u308a\u307e\u3059\u3002<\/p>\n<h3>4. \u5546\u5e97\u5411\u3051Bizum\uff1a\u3053\u308c\u306f\u3042\u306a\u305f\u306e\u30c1\u30a7\u30c3\u30af\u30a2\u30a6\u30c8\u306b\u304a\u3051\u308b\u5fc5\u9808\u306e\u652f\u6255\u3044\u65b9\u6cd5\u3067\u3059<\/h3>\n<p><strong>Bizum\u81ea\u4f53\u306f\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3067\u306f\u3042\u308a\u307e\u305b\u3093<\/strong>\u3057\u304b\u3057\u3001\u3053\u308c\u306f\u3053\u3053\u6570\u5e74\u30b9\u30da\u30a4\u30f3\u3067\u6700\u3082\u6210\u9577\u3057\u305f\u652f\u6255\u3044\u65b9\u6cd5\u3067\u3059\u3002<\/p>\n<p>2,500\u4e07\u4eba\u4ee5\u4e0a\u306e\u4eba\u3005\u304c\u5229\u7528\u3057\u3066\u304a\u308a\u3001Redsys\u3001PAYCOMET\u3001MONEI\u306e\u3088\u3046\u306a\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u901a\u3058\u305fWooCommerce\u3078\u306e\u7d71\u5408\u3082\u307e\u3059\u307e\u3059\u7c21\u5358\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p><strong>\u5927\u304d\u306a\u5229\u70b9\u306f\u3001\u9867\u5ba2\u304c\u5fc5\u8981\u3068\u3059\u308b\u306e\u306f\u81ea\u5206\u306e\u643a\u5e2f\u96fb\u8a71\u3068\u9280\u884c\u306e\u30a2\u30d7\u30ea\u3060\u3051\u3067\u3042\u308b\u3053\u3068\u3067\u3059<\/strong>\u3002\u30ab\u30fc\u30c9\u3092\u63a2\u3057\u305f\u308a\u3001\u60c5\u5831\u3092\u5165\u529b\u3057\u305f\u308a\u3001\u4f55\u304b\u306b\u767b\u9332\u3057\u305f\u308a\u3059\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u305d\u306e\u7d50\u679c\u3001\u30ab\u30fc\u30c8\u653e\u68c4\u304c\u5287\u7684\u306b\u6e1b\u308b\u306e\u3067\u3001\u30b9\u30da\u30a4\u30f3\u3067\u500b\u4eba\u5411\u3051\u306b\u8ca9\u58f2\u3057\u3066\u3044\u3066Bizum\u3092\u63d0\u4f9b\u3057\u3066\u3044\u306a\u3044\u306a\u3089\u3001\u3042\u306a\u305f\u306f\u58f2\u4e0a\u3092\u5931\u3063\u3066\u3044\u307e\u3059\u3002\u306f\u3063\u304d\u308a\u8a00\u3063\u3066\u305d\u3046\u3067\u3059\u3002<\/p>\n<h3>5. RiskPayGo: \u9ad8\u30ea\u30b9\u30af\u6c7a\u6e08\u306e\u305f\u3081\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4<\/h3>\n<p>\u3053\u308c <strong><a href=\"https:\/\/riskpaygo.com\/ja\/\" target=\"_blank\" rel=\"noopener\">\u9ad8\u30ea\u30b9\u30af\u4f01\u696d\u5411\u3051\u306e\u6c7a\u6e08\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4<\/a><\/strong> \u3053\u308c\u307e\u3067\u306e\u3059\u3079\u3066\u306e\u3082\u306e\u3068\u306f\u7570\u306a\u308a\u3001\u901a\u5e38\u306e\u8863\u6599\u54c1\u5e97\u3084\u96fb\u6c17\u5e97\u5411\u3051\u306b\u8a2d\u8a08\u3055\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u3080\u3057\u308d\u3001\u30b5\u30d7\u30ea\u30e1\u30f3\u30c8\u3001\u96fb\u5b50\u30bf\u30d0\u30b3\u3001\u30a2\u30c0\u30eb\u30c8\u3001\u4eee\u60f3\u901a\u8ca8\u3001\u5916\u56fd\u70ba\u66ff\u3001\u30ec\u30d7\u30ea\u30ab\u306a\u3069\u306e\u9ad8\u30ea\u30b9\u30af\u30d3\u30b8\u30cd\u30b9\u5411\u3051\u306b\u8a2d\u8a08\u3055\u308c\u3066\u3044\u307e\u3059\u3002Stripe \u3084 Redsys \u304c\u3042\u306a\u305f\u3092\u62d2\u5426\u3057\u305f\u308a\u3001\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u9589\u9396\u3057\u305f\u308a\u3059\u308b\u4e00\u65b9\u3067\u3001RiskPayGo \u306f\u3042\u306a\u305f\u3092\u627f\u8a8d\u3057\u307e\u3059\u3002<\/p>\n<p>\u624b\u6570\u6599\u306f\u9ad8\u304f\u306a\u308a\u307e\u3059\u304c\u3001\u305d\u308c\u306f\u4ed6\u306e\u4eba\u304c\u53ce\u96c6\u3067\u304d\u306a\u3044\u5834\u6240\u3067\u53ce\u96c6\u3067\u304d\u308b\u305f\u3081\u306b\u652f\u6255\u3046\u4ee3\u511f\u3067\u3059\u3002\u305d\u306e\u4e0a\u3001 <strong>\u8fc5\u901f\u306a\u6c7a\u6e08\u3068\u6697\u53f7\u901a\u8ca8\u3067\u306e\u56de\u53ce\u30aa\u30d7\u30b7\u30e7\u30f3\u3092\u63d0\u4f9b\u3057\u307e\u3059 <\/strong>\u30c1\u30e3\u30fc\u30b8\u30d0\u30c3\u30af\u306a\u3057\u3067\u5b89\u5b9a\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<h2>\u58f2\u4e0a\u3092\u5931\u308f\u305a\u306b PSD2 \u3068 SCA \u306b\u6e96\u62e0\u3059\u308b\u65b9\u6cd5 (\u30bb\u30ad\u30e5\u30ea\u30c6\u30a3\u3068\u6cd5\u7684\u898f\u5236)<\/h2>\n<p>\u306e <strong><a href=\"https:\/\/www.bbva.com\/es\/economia-y-finanzas\/lo-saber-la-psd2\/\" target=\"_blank\" rel=\"nofollow noopener\">PSD2 <\/a><\/strong>(Payment Services Directive 2) \u306f\u3001\u30b9\u30da\u30a4\u30f3\u3067\u884c\u308f\u308c\u308b\u307b\u3068\u3093\u3069\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u652f\u6255\u3044\u306b\u5f37\u529b\u306a\u9867\u5ba2\u8a8d\u8a3c (SCA) \u3092\u9069\u7528\u3059\u308b\u3053\u3068\u3092\u7fa9\u52d9\u4ed8\u3051\u308b\u6b27\u5dde\u306e\u898f\u5236\u3067\u3059\u3002<\/p>\n<p><strong>\u305d\u306e\u76ee\u7684\u306f\u3001\u5c11\u306a\u304f\u3068\u3082 2 \u3064\u306e\u8a8d\u8a3c\u8981\u7d20\u3092\u901a\u3058\u3066\u8a50\u6b3a\u3092\u6e1b\u3089\u3059\u3053\u3068\u3067\u3059\u3002<\/strong> \u72ec\u7acb\u3057\u305f\u3082\u306e: \u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u304c\u77e5\u3063\u3066\u3044\u308b\u3082\u306e (\u30b3\u30fc\u30c9\u306a\u3069)\u3001\u6301\u3063\u3066\u3044\u308b\u3082\u306e (\u643a\u5e2f\u96fb\u8a71\u306a\u3069)\u3001\u307e\u305f\u306f\u5b58\u5728\u3059\u308b\u3082\u306e (\u6307\u7d0b\u306a\u3069)\u3002<\/p>\n<p>\u660e\u3089\u304b\u306a\u3088\u3046\u306b\u3001SCA \u306b\u6e96\u62e0\u3059\u308b\u3053\u3068\u306f\u3001\u30b9\u30da\u30a4\u30f3\u306e\u3059\u3079\u3066\u306e\u652f\u6255\u3044\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3068\u30aa\u30f3\u30e9\u30a4\u30f3 \u30d3\u30b8\u30cd\u30b9\u306b\u3068\u3063\u3066\u5fc5\u9808\u3067\u3059\u3002<\/p>\n<p>\u305d\u3046\u3057\u306a\u3044\u3068\u3001\u767a\u884c\u9280\u884c\u304c\u53d6\u5f15\u3092\u62d2\u5426\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u4e88\u671f\u305b\u306c\u62d2\u5426\u3084\u9867\u5ba2\u306e\u4e0d\u6e80\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u5e78\u3044\u306a\u3053\u3068\u306b\u3001\u6700\u65b0\u306e\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u3059\u3067\u306b\u6e96\u5099\u3055\u308c\u3066\u304a\u308a\u3001\u3053\u306e\u8981\u4ef6\u3092\u81ea\u52d5\u7684\u306b\u7ba1\u7406\u3057\u307e\u3059\u3002<\/p>\n<h2>\u30e8\u30fc\u30ed\u30c3\u30d1\u306b\u304a\u3051\u308b\u30aa\u30f3\u30e9\u30a4\u30f3\u6c7a\u6e08\u306b\u95a2\u3059\u308b\u305d\u306e\u4ed6\u306e\u91cd\u8981\u306a\u898f\u5236 (PSD2)<\/h2>\n<p>\u30b9\u30da\u30a4\u30f3\u3068\u30e8\u30fc\u30ed\u30c3\u30d1\u3067\u30aa\u30f3\u30e9\u30a4\u30f3\u3067\u652f\u6255\u3044\u3092\u53d7\u3051\u308b\u3053\u3068\u306b\u3064\u3044\u3066\u8a71\u3059\u3068\u304d\u3001\u77e5\u3063\u3066\u304a\u304f\u3079\u304d 2 \u3064\u306e\u4e3b\u8981\u306a\u898f\u5236\u304c\u3042\u308a\u307e\u3059\u3002\u6cd5\u5f8b\u3092\u9685\u304b\u3089\u9685\u307e\u3067\u77e5\u308b\u5fc5\u8981\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u6cd5\u5f8b\u304c\u81ea\u5206\u306b\u3069\u306e\u3088\u3046\u306a\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u304b\u3092\u7406\u89e3\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u305d\u3057\u3066\u305d\u308c\u3089\u306f\u6b21\u306e\u3068\u304a\u308a\u3067\u3059\u3002<\/p>\n<h3>\u5f37\u529b\u306a\u8a8d\u8a3c (SCA): \u6709\u540d\u306a\u30c0\u30d6\u30eb\u30d1\u30b9<\/h3>\n<p>\u3053\u308c\u306f\u898f\u5236\u4ee5\u6765\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u304c\u6700\u3082\u6ce8\u76ee\u3059\u308b\u70b9\u3067\u3059\u3002<strong> \u3067\u306f\u3001\u307b\u3068\u3093\u3069\u306e\u30aa\u30f3\u30e9\u30a4\u30f3\u652f\u6255\u3044\u3092 2 \u3064\u306e\u691c\u8a3c\u8981\u7d20\u3067\u627f\u8a8d\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u00a0<\/strong><\/p>\n<p>\u305f\u3068\u3048\u3070\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u304c\u77e5\u3063\u3066\u3044\u308b\u3082\u306e (\u30d1\u30b9\u30ef\u30fc\u30c9)\u3001\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u304c\u6301\u3063\u3066\u3044\u308b\u3082\u306e (\u643a\u5e2f\u96fb\u8a71)\u3001\u307e\u305f\u306f\u30af\u30e9\u30a4\u30a2\u30f3\u30c8\u306e\u8eab\u5143 (\u6307\u7d0b) \u306a\u3069\u3067\u3059\u3002\u5b9f\u969b\u306b\u306f\u3001\u9867\u5ba2\u304c\u8cfc\u5165\u3092\u78ba\u8a8d\u3059\u308b\u305f\u3081\u306b\u9280\u884c\u304b\u3089\u53d7\u3051\u53d6\u308b\u30e1\u30c3\u30bb\u30fc\u30b8\u307e\u305f\u306f\u30d7\u30c3\u30b7\u30e5\u901a\u77e5\u3067\u3059\u3002<\/p>\n<h3>\u30b5\u30fc\u30c9\u30d1\u30fc\u30c6\u30a3\u3078\u306e\u30aa\u30fc\u30d7\u30f3\u6027 (\u30aa\u30fc\u30d7\u30f3 \u30d0\u30f3\u30ad\u30f3\u30b0): \u65b0\u3057\u3044\u4ef2\u4ecb\u8005\u306e\u767b\u5834<\/h3>\n<p>PSD2 \u306f\u3001\u9280\u884c\u306b\u305d\u306e\u30b7\u30b9\u30c6\u30e0\u3092\u5916\u90e8\u306e\u6c7a\u6e08\u4f1a\u793e (\u3044\u308f\u3086\u308b TPP) \u306b\u958b\u653e\u3059\u308b\u3053\u3068\u3092\u5f37\u5236\u3057\u307e\u3059\u3002<\/p>\n<p>\u3064\u307e\u308a\u3001Stripe \u3084 MONEI \u306a\u3069\u306e\u5f93\u6765\u306e\u9280\u884c\u3067\u306f\u306a\u3044\u91d1\u878d\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3084\u30d7\u30ed\u30d0\u30a4\u30c0\u30fc\u3092\u4f7f\u7528\u3057\u3066\u3001\u9867\u5ba2\u306e\u53e3\u5ea7\u304b\u3089\u76f4\u63a5\u652f\u6255\u3044\u3092\u958b\u59cb\u3067\u304d\u308b\u3088\u3046\u306b\u306a\u308a\u307e\u3057\u305f\u3002<\/p>\n<h2>\u30d3\u30b8\u30cd\u30b9\u306e\u58f2\u4e0a\u9ad8\u306b\u5fdc\u3058\u3066\u7406\u60f3\u7684\u306a\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u9078\u629e\u3059\u308b\u65b9\u6cd5<\/h2>\n<p><strong>\u3059\u3079\u3066\u306e\u30ad\u30e3\u30c3\u30c8\u30a6\u30a9\u30fc\u30af\u304c\u30b9\u30da\u30a4\u30f3\u306e\u3059\u3079\u3066\u306e\u30d3\u30b8\u30cd\u30b9\u306e\u305f\u3081\u306b\u751f\u307e\u308c\u305f\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/strong> \u99c6\u3051\u51fa\u3057\u306e\u8d77\u696d\u5bb6\u306b\u3068\u3063\u3066\u300c\u5feb\u9069\u300d\u306a\u3082\u306e\u306f\u3001\u58f2\u4e0a\u9ad8\u304c 6 \u6841\u306e\u4f1a\u793e\u306b\u3068\u3063\u3066\u306f\u3001\u624b\u6570\u6599\u3068\u30ea\u30b9\u30af\u306e\u300c\u30d6\u30e9\u30c3\u30af\u30db\u30fc\u30eb\u300d\u3067\u3059\u3002<\/p>\n<p>\u7591\u554f\u3092\u89e3\u6d88\u3057\u3001\u6700\u9069\u306a\u3082\u306e\u3092\u9078\u629e\u3067\u304d\u308b\u3088\u3046\u306b\u3001\u8a55\u4fa1\u3059\u3079\u304d\u4e3b\u306a\u8a73\u7d30\u3092\u307e\u3068\u3081\u305f\u30ea\u30b9\u30c8\u3092\u6b8b\u3057\u3066\u304a\u304d\u307e\u3059\u3002<\/p>\n<table>\n<tbody>\n<tr>\n<td><strong>\u8acb\u6c42\u984d<\/strong><\/td>\n<td><strong>\u6700\u512a\u5148\u4e8b\u9805<\/strong><\/td>\n<td><strong>\u304a\u3059\u3059\u3081\u306e\u6563\u6b69\u9053<\/strong><\/td>\n<td><strong>\u306a\u305c\u4ed6\u306e\u3082\u306e\u3067\u306f\u306a\u304f\u3053\u308c\u306a\u306e\u304b<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u30de\u30a4\u30af\u30ed\/\u30a4\u30cb\u30b7\u30e3\u30eb<\/strong> (&lt; 5.000\u20ac\/mes)<\/td>\n<td>\u7c21\u5358\u304b\u3064 <strong>\u56fa\u5b9a\u30bc\u30ed<\/strong>.<\/td>\n<td><strong>\u30b9\u30c8\u30e9\u30a4\u30d7\/\u30da\u30a4\u30d1\u30eb<\/strong><\/td>\n<td>\u5f7c\u3089\u306f\u4eca\u65e5\u3042\u306a\u305f\u304c\u958b\u304f\u3053\u3068\u3092\u8a31\u53ef\u3057\u307e\u3059\u3002\u305f\u3068\u3048\u8ca9\u58f2\u3042\u305f\u308a\u306e\u624b\u6570\u6599\u304c\u9ad8\u304f\u3066\u3082\u3001\u58f2\u308c\u306a\u3051\u308c\u3070\u6599\u91d1\u306f\u304b\u304b\u308a\u307e\u305b\u3093\u3002<\/td>\n<\/tr>\n<tr>\n<td><strong>\u6210\u9577\u4e2d\u306e\u4e2d\u5c0f\u4f01\u696d<\/strong> (5k\u20ac &#8211; 50k\u20ac\/mes)<\/td>\n<td><strong>\u6700\u9069\u5316<\/strong> \u8cbb\u7528\u306e\u3002<\/td>\n<td><strong>\u30da\u30a4\u30b3\u30e1\u30c3\u30c8 \/ Redsys<\/strong><\/td>\n<td>\u3053\u3053\u3067\u3001\u53d6\u5f15\u624b\u6570\u6599\u304c\u4e0b\u304c\u3063\u305f\u5834\u5408\u3001\u6bce\u6708\u306e\u56fa\u5b9a\u8cbb\u304c\u305d\u308c\u3092\u88dc\u3044\u307e\u3059\u3002\u6280\u8853\u7684\u306a\u5b89\u5b9a\u6027\u3092\u6c42\u3081\u3066\u3044\u307e\u3059\u3002<\/td>\n<\/tr>\n<tr>\n<td><strong>\u5927\u97f3\u91cf<\/strong> (&gt; 50k\u20ac\/mes)<\/td>\n<td><strong>\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc<\/strong> \u305d\u3057\u3066\u30b5\u30dd\u30fc\u30c8\u3057\u307e\u3059\u3002<\/td>\n<td><strong>\u30ea\u30b9\u30af\u30da\u30a4\u30b4 \/ \u30a2\u30c7\u30a3\u30a8\u30f3<\/strong><\/td>\n<td>\u3053\u306e\u30ec\u30d9\u30eb\u3067\u306f\u300148 \u6642\u9593\u306e\u30a2\u30ab\u30a6\u30f3\u30c8\u30d6\u30ed\u30c3\u30af\u306f\u5927\u60e8\u4e8b\u3067\u3059\u3002\u30d1\u30fc\u30bd\u30ca\u30e9\u30a4\u30ba\u3055\u308c\u305f\u6599\u91d1\u3068\u4eba\u9593\u306e\u30de\u30cd\u30fc\u30b8\u30e3\u30fc\u304c\u5fc5\u8981\u3067\u3059\u3002<\/td>\n<\/tr>\n<tr>\n<td><strong>\u300c\u9ad8\u30ea\u30b9\u30af\u300d\u30bb\u30af\u30bf\u30fc<\/strong> (\u4efb\u610f\u306e\u30dc\u30ea\u30e5\u30fc\u30e0)<\/td>\n<td><strong>\u93a7<\/strong> \u305d\u3057\u3066\u53d7\u3051\u5165\u308c\u3002<\/td>\n<td><strong>RiskPaygo<\/strong><\/td>\n<td>\u30c8\u30ec\u30fc\u30cb\u30f3\u30b0\u3001\u30b5\u30d7\u30ea\u30e1\u30f3\u30c8\u3001\u307e\u305f\u306f SaaS \u3092\u8ca9\u58f2\u3059\u308b\u5834\u5408\u3001\u6a19\u6e96\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u300c\u30ea\u30b9\u30af\u300d\u3092\u7406\u7531\u306b\u30a2\u30ab\u30a6\u30f3\u30c8\u3092\u9589\u9396\u3057\u307e\u3059\u3002\u7279\u5225\u306a\u4fdd\u8b77\u304c\u5fc5\u8981\u3067\u3059\u3002<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u6599\u91d1\u3092\u8acb\u6c42\u3059\u308b\u3060\u3051\u3067\u306a\u304f\u3001\u6210\u9577\u3092\u4fc3\u9032\u3059\u308b\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u9078\u629e\u3057\u3066\u304f\u3060\u3055\u3044<\/h2>\n<p>\u6b63\u76f4\u3001\u3042\u3089\u3086\u308b\u3082\u306e\u304c\u30c7\u30b8\u30bf\u30eb\u5316\u3055\u308c\u3066\u3044\u308b\u4eca\u3001\u30cd\u30c3\u30c8\u30b7\u30e7\u30c3\u30d7\u3092\u958b\u304f\u306e\u306f\u6bd4\u8f03\u7684\u7c21\u5358\u306a\u306e\u3067\u3059\u304c\u3001 <strong>\u305d\u308c\u3092\u767b\u308b\u306e\u306f\u672c\u5f53\u306e\u6311\u6226\u3067\u3059\u3002\u00a0<\/strong><\/p>\n<p>\u3057\u305f\u304c\u3063\u3066\u3001\u652f\u6255\u3044\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u5358\u7d14\u306a\u96c6\u91d1\u624b\u6bb5\u306b\u306f\u306a\u308a\u5f97\u307e\u305b\u3093\u3002<strong>;\u30b3\u30f3\u30d0\u30fc\u30b8\u30e7\u30f3\u7387\u3092\u9ad8\u3081\u308b\u30a8\u30f3\u30b8\u30f3\u3067\u3042\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059<\/strong> \u305d\u3057\u3066\u5229\u76ca\u7387\u3092\u4fdd\u8b77\u3059\u308b\u30b7\u30fc\u30eb\u30c9\u3067\u3059\u3002<\/p>\n<p>\u7c21\u5358\u306b\u8a00\u3048\u3070\u3001\u4fa1\u683c\u306e\u307f\u306b\u57fa\u3065\u3044\u3066\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3092\u9078\u629e\u3059\u308b\u3068\u3001\u30ab\u30fc\u30c8\u306e\u653e\u68c4\u3001\u4e0d\u5f53\u306a\u30a2\u30ab\u30a6\u30f3\u30c8\u306e\u30d6\u30ed\u30c3\u30af\u3001\u307e\u305f\u306f\u56de\u907f\u3067\u304d\u305f\u306f\u305a\u306e\u8a50\u6b3a\u306a\u3069\u306e\u5f62\u3067\u3001\u96a0\u308c\u305f\u5de8\u984d\u306e\u30b3\u30b9\u30c8\u3092\u652f\u6255\u3063\u3066\u3044\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7406\u60f3\u7684\u306a\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u3068\u306f\u3001\u304a\u5ba2\u69d8\u306e\u30d3\u30b8\u30cd\u30b9 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\u306b\u6e96\u62e0\u3057\u3066\u3044\u308b\u305f\u3081\u3001\u6700\u3082\u5b89\u5168\u3067\u3042\u308b\u3068\u77e5\u3089\u308c\u308b\u5358\u4e00\u306e\u30b2\u30fc\u30c8\u30a6\u30a7\u30a4\u306f\u5b58\u5728\u3057\u307e\u305b\u3093\u3002\u305f\u3060\u3057\u3001Stripe \u3068 RiskPayGo \u306f\u73fe\u5728\u3001\u9ad8\u5ea6\u306a\u4e0d\u6b63\u9632\u6b62\u30b7\u30b9\u30c6\u30e0\u3067\u969b\u7acb\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<h3>Bizum \u306f\u30aa\u30f3\u30e9\u30a4\u30f3 \u30b9\u30c8\u30a2\u3067\u4f7f\u7528\u3067\u304d\u307e\u3059\u304b?\u307e\u305f\u3001\u3069\u306e\u3088\u3046\u306b\u7d71\u5408\u3055\u308c\u307e\u3059\u304b?<\/h3>\n<p>\u306f\u3044\u3001Bizum \u306f\u30aa\u30f3\u30e9\u30a4\u30f3 \u30b9\u30c8\u30a2\u3067\u4f7f\u7528\u3067\u304d\u3001\u30b9\u30da\u30a4\u30f3\u3067\u6700\u3082\u4eba\u6c17\u304c\u3042\u308a\u3001\u6700\u3082\u901f\u3044\u65b9\u6cd5\u306e 1 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