{"id":2777,"date":"2025-08-26T12:04:53","date_gmt":"2025-08-26T09:04:53","guid":{"rendered":"https:\/\/doineurope.com\/?p=2777"},"modified":"2025-08-26T12:04:53","modified_gmt":"2025-08-26T09:04:53","slug":"%d8%aa%d8%ad%d8%b3%d9%8a%d9%86-%d8%a7%d9%84%d8%af%d9%81%d8%b9-%d8%b9%d8%a8%d8%b1-%d8%a7%d9%84%d8%a5%d9%86%d8%aa%d8%b1%d9%86%d8%aa-%d9%81%d9%8a-%d9%84%d9%8a%d8%aa%d9%88%d8%a7%d9%86%d9%8a%d8%a7","status":"publish","type":"post","link":"https:\/\/doineurope.com\/ar\/%d8%aa%d8%ad%d8%b3%d9%8a%d9%86-%d8%a7%d9%84%d8%af%d9%81%d8%b9-%d8%b9%d8%a8%d8%b1-%d8%a7%d9%84%d8%a5%d9%86%d8%aa%d8%b1%d9%86%d8%aa-%d9%81%d9%8a-%d9%84%d9%8a%d8%aa%d9%88%d8%a7%d9%86%d9%8a%d8%a7\/","title":{"rendered":"\u0646\u0635\u0627\u0626\u062d \u0644\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0628\u0633\u064a\u0637\u0629 \u0645\u0646 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\u0648\u0627\u0644\u0628\u0633\u0627\u0637\u0629\u060c \u0648\u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0645\u0633\u062a\u0645\u0631.<\/p>\n\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\"><strong>\u062a\u062d\u062f\u064a\u062f \u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong>\u2014\u062a\u062a\u0636\u0645\u0646 \u062f\u0627\u0626\u0645\u064b\u0627 \u0645\u0639\u0627\u0644\u062c\u0627\u062a \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0627\u0644\u0641\u0648\u0631\u064a\u0629 \u0648\u0627\u0644\u0645\u062d\u0627\u0641\u0638 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629 (Paysera \u0648Revolut).<\/li>\n<li class=\"list-item-spaced-112\"><strong>\u062a\u0628\u0633\u064a\u0637 \u062e\u0637\u0648\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong>\u2014\u0642\u0645 \u0628\u0625\u0632\u0627\u0644\u0629 \u062d\u0642\u0648\u0644 \u0627\u0644\u0646\u0645\u0648\u0630\u062c \u063a\u064a\u0631 \u0627\u0644\u0645\u0647\u0645\u0629\u060c \u0648\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u062e\u0631\u0648\u062c \u0643\u0636\u064a\u0641\u060c \u0648\u0627\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646 \u0635\u062d\u0629 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u0641\u0639\u0644\u064a.<\/li>\n<li class=\"list-item-spaced-112\"><strong>\u0627\u062e\u062a\u0628\u0627\u0631 \u062a\u062f\u0641\u0642\u0627\u062a \u0627\u0644\u062f\u0641\u0639<\/strong>- \u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u062f\u0642\u064a\u0642 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class=\"content-wrapper-premium-847\">\n<article id=\"unique-article-container-id-2847\">\n\n<h2 id=\"user-experience\" class=\"subheader-tier2-designation-924\">\u062a\u062c\u0631\u0628\u0629 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645: \u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0631\u064a\u062f\u0647 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0648\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u062d\u0642\u064b\u0627\u061f<\/h2>\n\n<p>\u062f\u0639\u0648\u0646\u064a \u0623\u0639\u0648\u062f \u0644\u0644\u062d\u0638\u0629 \u0648\u0623\u0633\u0623\u0644: \u0645\u0627 \u0647\u064a &quot;\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u0623\u0645\u0646\u064a\u0627\u062a&quot; \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0630\u064a\u0646 \u064a\u0634\u062a\u0631\u0648\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a 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\u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a (\u0643\u0645\u0627 \u0641\u0639\u0644\u062a\u064f \u0641\u064a \u0623\u0648\u0627\u062e\u0631 \u0627\u0644\u0631\u0628\u064a\u0639\u060c \u0641\u064a \u0645\u0642\u0647\u0649 \u0639\u0645\u0644 \u0645\u0634\u062a\u0631\u0643 \u0641\u064a \u0641\u064a\u0644\u0646\u064a\u0648\u0633)\u060c \u0633\u062a\u062c\u062f\u0648\u0646 \u0637\u0644\u0628\u0627\u062a\u0647\u0645 \u0641\u064a \u063a\u0627\u064a\u0629 \u0627\u0644\u0628\u0633\u0627\u0637\u0629:<\/p>\n\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\">\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0644\u0627\u0626\u0645\u0629 \u0644\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629 (\u0644\u0627 \u062a\u0648\u062c\u062f \u0646\u0645\u0627\u0630\u062c \u0645\u062e\u0635\u0635\u0629 \u0644\u0633\u0637\u062d \u0627\u0644\u0645\u0643\u062a\u0628 \u0641\u0642\u0637\u061b \u0648\u0647\u064a \u0623\u0643\u062b\u0631 \u0627\u0644\u0623\u0645\u0648\u0631 \u0625\u062d\u0628\u0627\u0637\u064b\u0627 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629)<\/li>\n<li class=\"list-item-spaced-112\">\u062a\u0623\u0643\u064a\u062f \u0641\u0648\u0631\u064a \u0648\u0631\u0633\u0627\u0644\u0629 \u062e\u0637\u0623 \u0648\u0627\u0636\u062d\u0629 (&quot;\u0647\u0644 \u0646\u062c\u062d \u0627\u0644\u0623\u0645\u0631\u061f&quot;)<\/li>\n<li class=\"list-item-spaced-112\">\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u0623\u0644\u0648\u0641\u0629 - \u0627\u0644\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u0645\u0635\u0631\u0641\u064a\u0629 \u0648Paysera<\/li>\n<li class=\"list-item-spaced-112\">\u062f\u0639\u0645 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0644\u063a\u0627\u062a (\u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u0648\u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629)<\/li>\n<li class=\"list-item-spaced-112\">&quot;\u0644\u0627 \u062a\u0648\u062c\u062f \u0631\u0633\u0648\u0645 \u0645\u0641\u0627\u062c\u0626\u0629&quot; - \u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0623\u0645\u0631 \u0628\u0627\u0644\u063a \u0627\u0644\u0623\u0647\u0645\u064a\u0629<\/li>\n<\/ul>\n\n<p>\u0628\u0635\u0631\u0627\u062d\u0629\u060c \u0647\u0630\u0647 \u0644\u064a\u0633\u062a &quot;\u0645\u062a\u0642\u062f\u0645\u0629&quot;. \u0645\u0646 \u062a\u062c\u0631\u0628\u062a\u064a\u060c \u062a\u064f\u0639\u0642\u0651\u062f \u063a\u0627\u0644\u0628\u064a\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u0625\u0639\u062f\u0627\u062f\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0628\u0634\u0643\u0644 \u0645\u064f\u0641\u0631\u0637 \u0633\u0639\u064a\u064b\u0627 \u0648\u0631\u0627\u0621 \u0627\u0644\u062a\u0637\u0648\u0631 \u0627\u0644\u0645\u064f\u0641\u062a\u0631\u0636 (\u0623\u0648 \u0644\u0623\u0646 \u0628\u0639\u0636 \u0627\u0644\u0625\u0636\u0627\u0641\u0627\u062a \u0648\u0639\u062f\u062a \u0628\u0645\u0639\u062f\u0644\u0627\u062a \u062a\u062d\u0648\u064a\u0644 \u0623\u0639\u0644\u0649). \u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0646\u062c\u062d \u062d\u0642\u064b\u0627\u061f \u062a\u062e\u0644\u0635 \u0645\u0646 \u0627\u0644\u0641\u0648\u0636\u0649. \u0634\u0627\u0631\u0643\u0646\u064a \u0632\u0645\u064a\u0644\u064c \u0643\u064a\u0641 \u0636\u0627\u0639\u0641 \u0645\u062e\u0628\u0632 \u0639\u0627\u0626\u0644\u062a\u0647 \u0627\u0644\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0634\u0647\u0631\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u062b\u0644\u0627\u062b\u0629 \u0623\u0636\u0639\u0627\u0641 \u0628\u0645\u062c\u0631\u062f \u0625\u064a\u0642\u0627\u0641 \u0646\u0627\u0641\u0630\u0629 \u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u0645\u0646\u0628\u062b\u0642\u0629 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629. \u0645\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u0627\u0644\u0623\u0645\u0631 \u0628\u0633\u064a\u0637\u060c \u0623\u0644\u064a\u0633 \u0643\u0630\u0644\u0643\u061f<\/p>\n\n<blockquote class=\"quote-block-premium-445\">\n\u0644\u0627 \u064a\u0647\u062a\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0625\u0644\u0627 \u0628\u0627\u0644\u062f\u0641\u0639 \u0628\u0633\u0631\u0639\u0629 \u0648\u0623\u0645\u0627\u0646 \u0648\u0628\u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062a\u064a \u064a\u062a\u0648\u0642\u0639\u0648\u0646\u0647\u0627. \u0645\u0639\u0638\u0645 \u0627\u0644\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 \u063a\u064a\u0631 \u0645\u0631\u0626\u064a\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u0633\u0644\u0633\u0629.\n<footer class=\"quote-author\">\u2014\u062f\u0627\u0631\u064a\u0648\u0633 \u0632\u064a\u0648\u062c\u0632\u062f\u0627\u060c \u0645\u0633\u062a\u0634\u0627\u0631 \u062f\u0641\u0639 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629\u060c \u0643\u0627\u0648\u0646\u0627\u0633<\/footer>\n<\/blockquote>\n\n<h3 class=\"subheader-tier3-designation-925\">\u0645\u0642\u062a\u0637\u0641 \u0645\u0645\u064a\u0632: \u0645\u0627 \u0647\u064a \u0637\u0631\u0642 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062a\u064a \u064a\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0648\u0646 \u0623\u0643\u062b\u0631\u061f<\/h3>\n<table class=\"data-table-professional-667\">\n  <tr class=\"table-row-alternating-556\">\n    <th class=\"table-header-cell-223\">\u0637\u0631\u064a\u0642\u0629 \u0627\u0644\u062f\u0641\u0639<\/th>\n    <th class=\"table-header-cell-223\">\u0627\u0644\u0627\u0633\u062a\u062e\u062f\u0627\u0645 (2024)<\/th>\n    <th class=\"table-header-cell-223\">\u0627\u062a\u062c\u0627\u0647 \u0627\u0644\u0646\u0645\u0648<\/th>\n    <th class=\"table-header-cell-223\">\u0645\u0644\u062d\u0648\u0638\u0627\u062a<\/th>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a<\/td>\n    <td class=\"table-data-cell-224\">39%<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u062f\u0627\u0645<\/td>\n    <td class=\"table-data-cell-224\">&quot;Swedbank&quot; \u0648&quot;SEB&quot; \u0645\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a<a href=\"#ref-6\" class=\"reference-marker-inline-951\">6<\/a><\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0628\u0637\u0627\u0642\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\/\u0627\u0644\u062e\u0635\u0645<\/td>\n    <td class=\"table-data-cell-224\">27%<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u062a\u062c\u0627\u0647 \u0645\u0633\u0637\u062d<\/td>\n    <td class=\"table-data-cell-224\">\u0641\u064a\u0632\u0627\/\u0645\u0627\u0633\u062a\u0631\u0643\u0627\u0631\u062f\u060c \u0627\u0644\u0645\u0639\u0627\u0644\u062c\u0627\u062a \u0627\u0644\u0645\u062d\u0644\u064a\u0629<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0645\u062d\u0641\u0638\u0629 \u0628\u0627\u064a\u0633\u064a\u0631\u0627<\/td>\n    <td class=\"table-data-cell-224\">21%<\/td>\n    <td class=\"table-data-cell-224\">\u062a\u0623\u0631\u062c\u062d \u062a\u0635\u0627\u0639\u062f\u064a<\/td>\n    <td class=\"table-data-cell-224\">\u0645\u0641\u0636\u0644 \u0644\u062f\u0649 \u0627\u0644\u0634\u0628\u0627\u0628<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0645\u062d\u0627\u0641\u0638 \u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0623\u062e\u0631\u0649<\/td>\n    <td class=\"table-data-cell-224\">13%<\/td>\n    <td class=\"table-data-cell-224\">\u0632\u064a\u0627\u062f\u0629 \u0637\u0641\u064a\u0641\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0627\u0631\u062a\u0641\u0627\u0639 Apple Pay \u0648Google Pay<a href=\"#ref-7\" class=\"reference-marker-inline-951\">7<\/a><\/td>\n  <\/tr>\n<\/table>\n\n<p>\u0645\u0627 \u0647\u0648 \u0648\u0627\u0636\u062d\u061f \u0628\u0631\u0648\u062a\u0648\u0643\u0648\u0644 &quot;\u0627\u0644\u062c\u0648\u0627\u0644 \u0623\u0648\u0644\u0627\u064b\u060c \u0648\u0627\u0644\u0645\u0648\u062b\u0648\u0642\u064a\u0629 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0648\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0641\u0648\u0631\u064a&quot; \u0647\u0648 \u0627\u0644\u0637\u0631\u064a\u0642 \u0627\u0644\u0623\u0645\u062b\u0644 \u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0641\u064a \u0639\u0627\u0645 \u0662\u0660\u0662\u0665. \u0625\u0630\u0627 \u0643\u0646\u062a \u0644\u0627 \u062a\u0632\u0627\u0644 \u062a\u0633\u062a\u062e\u062f\u0645 \u0625\u0636\u0627\u0641\u0629 \u0648\u0648\u0631\u062f\u0628\u0631\u064a\u0633 \u0627\u0644\u062a\u064a \u062a\u0645 \u062a\u062d\u062f\u064a\u062b\u0647\u0627 \u0622\u062e\u0631 \u0645\u0631\u0629 \u0641\u064a \u0639\u0627\u0645 \u0662\u0660\u0662\u0660\u060c \u0641\u0645\u0646 \u0627\u0644\u0645\u062d\u062a\u0645\u0644 \u0623\u0646 \u062a\u064f\u0639\u064a\u0642 \u0667\u0665\u0661TP3T \u0645\u0646 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a.<\/p>\n\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u0645\u0634\u0627\u0631\u064a\u0639 \u0627\u0644\u0635\u063a\u064a\u0631\u0629<\/h3>\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\">\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u062a\u062e\u0637\u064a\u0637\u0627\u062a \u0627\u0644\u0645\u0631\u062a\u0643\u0632\u0629 \u0639\u0644\u0649 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644<\/li>\n<li class=\"list-item-spaced-112\">\u0627\u062e\u062a\u0628\u0627\u0631 \u0643\u0644 \u0637\u0631\u064a\u0642\u0629 \u062f\u0641\u0639 \u0631\u0626\u064a\u0633\u064a\u0629 \u0641\u064a \u0627\u0644\u0648\u0642\u062a \u0627\u0644\u062d\u0642\u064a\u0642\u064a (\u0644\u064a\u0633 \u0641\u0642\u0637 \u0641\u064a \u0628\u064a\u0626\u0629 \u0627\u0644\u0627\u062e\u062a\u0628\u0627\u0631)<\/li>\n<li class=\"list-item-spaced-112\">\u0639\u0631\u0636 \u062a\u0623\u0643\u064a\u062f \u0641\u0648\u0631\u064a \u0639\u0646\u062f \u0625\u062a\u0645\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0629<\/li>\n<li class=\"list-item-spaced-112\">\u062a\u0642\u062f\u064a\u0645 \u062e\u064a\u0627\u0631\u064a\u0646 \u0645\u062d\u0644\u064a\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u0644\u0644\u062f\u0641\u0639 \u0639\u0646\u062f \u0627\u0644\u062e\u0631\u0648\u062c<\/li>\n<\/ul>\n<\/div>\n\n<h2 id=\"regulatory\" class=\"subheader-tier2-designation-924\">\u0627\u0644\u062a\u0646\u0642\u0644 \u0639\u0628\u0631 \u0644\u0648\u0627\u0626\u062d \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0641\u064a \u0639\u0627\u0645 2025<\/h2>\n\n<p>\u0642\u062f \u064a\u0638\u0646 \u0627\u0644\u0628\u0639\u0636 \u0623\u0646 \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0642\u0648\u0627\u0639\u062f \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0623\u0645\u0631\u064c \u0645\u064f\u062e\u064a\u0641\u060c \u0623\u0648 \u0639\u0644\u0649 \u0627\u0644\u0623\u0642\u0644 \u064a\u062a\u0637\u0644\u0628 \u0634\u0647\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u0642\u0627\u0646\u0648\u0646. \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639\u060c \u0644\u064a\u0633 \u0627\u0644\u0623\u0645\u0631 \u0645\u064f\u062e\u064a\u0641\u064b\u0627 \u0643\u0645\u0627 \u064a\u062e\u0634\u0649 \u0645\u0639\u0638\u0645 \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644\u060c \u0645\u0639 \u0648\u062c\u0648\u062f \u0645\u064f\u062d\u0627\u0630\u064a\u0631. \u0641\u0642\u062f \u0627\u0639\u062a\u0645\u062f\u062a \u0627\u0644\u0628\u064a\u0626\u0629 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c \u0628\u0642\u064a\u0627\u062f\u0629 \u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c \u062a\u0648\u062c\u064a\u0647\u0627\u062a \u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0627\u0644\u062f\u0641\u0639\u060c \u0645\u0639 \u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0645\u062d\u0644\u064a\u0629 \u0625\u0636\u0627\u0641\u064a\u0629 \u062a\u062a\u0637\u0644\u0628 \u062a\u0639\u0632\u064a\u0632 \u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629.<a href=\"#ref-8\" class=\"reference-marker-inline-951\">8<\/a><\/p>\n\n<p>\u0647\u0630\u0627 \u0647\u0648 \u0627\u0644\u0633\u0624\u0627\u0644 \u0627\u0644\u0623\u0643\u062b\u0631 \u0634\u064a\u0648\u0639\u064b\u0627 \u0627\u0644\u0630\u064a \u064a\u064f\u0637\u0631\u062d \u0639\u0644\u064a\u0651 (&quot;\u0647\u0644 \u0633\u064a\u064f\u063a\u0631\u0651\u0645 \u0645\u062a\u062c\u0631\u064a \u0644\u0639\u062f\u0645 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644\u061f&quot; \u0627\u0644\u0625\u062c\u0627\u0628\u0629 \u0627\u0644\u0645\u062e\u062a\u0635\u0631\u0629: \u0646\u0627\u062f\u0631\u064b\u0627\u060c \u0625\u0644\u0627 \u0641\u064a \u062d\u0627\u0644 \u0648\u062c\u0648\u062f \u0627\u0646\u062a\u0647\u0627\u0643 \u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0647\u0644\u0643). \u0645\u0639 \u0630\u0644\u0643\u060c \u064a\u0646\u0628\u063a\u064a \u0639\u0644\u0649 \u0643\u0644 \u0634\u0631\u0643\u0629 \u0635\u063a\u064a\u0631\u0629 \u0648\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0645\u0627 \u064a\u0644\u064a:<\/p>\n\n<ol class=\"list-ordered-custom-889\">\n<li class=\"list-item-spaced-112\">\u0627\u0644\u0645\u0635\u0627\u062f\u0642\u0629 \u0627\u0644\u0642\u0648\u064a\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621 (SCA): \u064a\u062c\u0628 \u062a\u0645\u0643\u064a\u0646\u0647\u0627 - \u0639\u0627\u062f\u0629\u064b \u0639\u0628\u0631 3DSecure \u0623\u0648 \u0639\u0645\u0644\u064a\u0627\u062a \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u062f\u062e\u0648\u0644 \u0625\u0644\u0649 \u0627\u0644\u0645\u062d\u0641\u0638\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645 \u0627\u0644\u062a\u062d\u0642\u0642 \u0645\u0646\u0647\u0627.<\/li>\n<li class=\"list-item-spaced-112\">\u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0628\u0642\u0627\u0646\u0648\u0646 \u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u0627\u0645\u0629 (GDPR): \u064a\u062c\u0628 \u0627\u0644\u062a\u0639\u0627\u0645\u0644 \u0645\u0639 \u062c\u0645\u064a\u0639 \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0648\u0641\u0642\u064b\u0627 \u0644\u0625\u0631\u0634\u0627\u062f\u0627\u062a \u0627\u0644\u062e\u0635\u0648\u0635\u064a\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629\/\u0627\u0644\u0627\u062a\u062d\u0627\u062f \u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a.<\/li>\n<li class=\"list-item-spaced-112\">\u0645\u0645\u0627\u0631\u0633\u0627\u062a \u0627\u0644\u0641\u0648\u062a\u0631\u0629 \u0627\u0644\u0648\u0627\u0636\u062d\u0629: \u0627\u0644\u0625\u0641\u0635\u0627\u062d \u0639\u0646 \u0627\u0644\u0631\u0633\u0648\u0645 \u0645\u0642\u062f\u0645\u064b\u0627\u060c \u0648\u062a\u0637\u0628\u064a\u0642 \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0628\u0634\u0643\u0644 \u0635\u062d\u064a\u062d\u060c \u0648\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u0627\u0633\u062a\u0631\u062f\u0627\u062f\/\u0627\u0644\u0625\u0631\u062c\u0627\u0639 \u0627\u0644\u0634\u0641\u0627\u0641\u0629.<\/li>\n<\/ol>\n\n<p>\u062f\u0639\u0648\u0646\u064a \u0623\u0648\u0636\u062d: \u062a\u0646\u0634\u0623 \u0646\u0642\u0627\u0637 \u0627\u0644\u0627\u062d\u062a\u0643\u0627\u0643 \u0627\u0644\u0623\u0643\u062b\u0631 \u0635\u0639\u0648\u0628\u0629 \u0639\u0646\u062f\u0645\u0627 \u062a\u062d\u0627\u0648\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 &quot;\u062a\u062e\u0635\u064a\u0635&quot; \u0625\u0636\u0627\u0641\u0627\u062a \u062e\u0627\u0631\u062c\u064a\u0629 \u062f\u0648\u0646 \u0627\u0644\u0627\u0637\u0644\u0627\u0639 \u0639\u0644\u0649 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u062d\u0644\u064a\u0629. \u0644\u0642\u062f \u0631\u0623\u064a\u062a\u064f \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0631\u0629 \u0645\u062a\u0627\u062c\u0631 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u062a\u064f\u0641\u0639\u0651\u0644 \u062d\u0638\u0631 \u0628\u0648\u0627\u0628\u0629 \u0627\u0644\u062f\u0641\u0639 \u062f\u0648\u0646 \u0642\u0635\u062f \u0644\u0645\u062c\u0631\u062f 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\u0627\u0644\u0623\u0648\u0631\u0648\u0628\u064a. \u0627\u0644\u0623\u0645\u0631 \u0628\u0647\u0630\u0647 \u0627\u0644\u0628\u0633\u0627\u0637\u0629\u060c \u0644\u0643\u0646 \u0645\u0639\u0638\u0645\u0647\u0645 \u064a\u062a\u062e\u0637\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0629.<a href=\"#ref-9\" class=\"reference-marker-inline-951\">9<\/a><\/p>\n\n<div class=\"country-fact-box-855\">\n<strong>\u062d\u0642\u064a\u0642\u0629:<\/strong> \u064a\u064f\u0644\u0632\u0645 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a \u0623\u0635\u062d\u0627\u0628 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0628\u0625\u062f\u0631\u0627\u062c \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0646\u0647\u0627\u0626\u064a (\u0634\u0627\u0645\u0644\u0627\u064b \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 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class=\"content-wrapper-premium-847\">\n<article id=\"unique-article-container-id-2847\">\n\n<h2 id=\"case-studies\" class=\"subheader-tier2-designation-924\">\u062f\u0631\u0627\u0633\u0627\u062a \u062d\u0627\u0644\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627: \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0641\u064a \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0648\u0627\u0642\u0639\u064a\u0629<\/h2>\n\n<p>\u0647\u0646\u0627 \u062a\u0628\u0631\u0632 \u0623\u0647\u0645\u064a\u0629 &quot;\u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0628\u0633\u064a\u0637\u0629&quot;. \u0623\u0648\u062f \u0623\u0646 \u0623\u0634\u0627\u0631\u0643\u0643\u0645 \u0628\u0639\u0636\u064b\u0627 \u0645\u0646 \u062f\u0631\u0627\u0633\u0627\u062a \u0627\u0644\u062d\u0627\u0644\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u0627\u0644\u062d\u062f\u064a\u062b\u0629\u060c \u0645\u0633\u062a\u0645\u062f\u0629 \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u0634\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u0645\u0642\u0627\u0628\u0644\u0627\u062a \u0648\u0645\u0646\u062a\u062f\u064a\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631 \u0645\u0646\u0630 \u0623\u0648\u0627\u062e\u0631 \u0639\u0627\u0645 \u0662\u0660\u0662\u0663.<\/p>\n\n<h3 class=\"subheader-tier3-designation-925\">\u0627\u0644\u062d\u0627\u0644\u0629 #1: \u0645\u062a\u062c\u0631 \u0623\u0632\u064a\u0627\u0621 \u0643\u0627\u0648\u0646\u0627\u0633 - \u062b\u0648\u0631\u0629 \u0627\u0644\u062f\u0641\u0639 \u0643\u0636\u064a\u0641<\/h3>\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u062d\u0635\u064a\u0644\u0629:<\/h3>\n<p>\u062a\u0645 \u062a\u0641\u0639\u064a\u0644 \u062e\u0627\u0635\u064a\u0629 &quot;\u0627\u0644\u062f\u0641\u0639 \u0643\u0636\u064a\u0641&quot; \u0648\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a \u0627\u0644\u0645\u062d\u0644\u064a\u060c \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u062e\u0641\u0636 \u0645\u062a\u0648\u0633\u0637 \u0648\u0642\u062a \u0627\u0644\u062f\u0641\u0639 \u0628\u0645\u0642\u062f\u0627\u0631 38%. \u0627\u0631\u062a\u0641\u0639 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0634\u0647\u0631\u064a \u0628\u0645\u0642\u062f\u0627\u0631 47%\u060c \u062f\u0648\u0646 \u0623\u064a \u0625\u0646\u0641\u0627\u0642 \u0625\u0636\u0627\u0641\u064a \u0639\u0644\u0649 \u0627\u0644\u062a\u0633\u0648\u064a\u0642.<\/p>\n<\/div>\n\n<p>\u0628\u0635\u0631\u0627\u062d\u0629\u060c \u0645\u0627 \u0647\u0648 \u0623\u0643\u0628\u0631 \u062e\u0637\u0623 \u0627\u0631\u062a\u0643\u0628\u062a\u0647 \u0635\u0627\u062d\u0628\u0629 \u0627\u0644\u062a\u0637\u0628\u064a\u0642\u061f 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#2: \u0645\u062a\u062c\u0631 \u0623\u062f\u0648\u0627\u062a \u0645\u0646\u0632\u0644\u064a\u0629 \u0641\u064a \u0641\u064a\u0644\u0646\u064a\u0648\u0633 - \u0646\u0638\u0627\u0645 \u062f\u0641\u0639 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0644\u063a\u0627\u062a<\/h3>\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u062a\u0623\u062b\u064a\u0631:<\/h3>\n<p>\u062a\u0645 \u0625\u0636\u0627\u0641\u0629 \u062e\u064a\u0627\u0631 \u062a\u0628\u062f\u064a\u0644 \u0644\u063a\u0629 \u0627\u0644\u062e\u0631\u0648\u062c \u0645\u0646 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629\/\u0627\u0644\u0625\u0646\u062c\u0644\u064a\u0632\u064a\u0629\u061b \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0645\u0639\u062f\u0644 \u0627\u0644\u062a\u062e\u0644\u064a \u0639\u0646 \u0639\u0631\u0628\u0629 \u0627\u0644\u062a\u0633\u0648\u0642 \u0628\u064a\u0646 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class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u0646\u062a\u064a\u062c\u0629:<\/h3>\n<p>\u062a\u0645 \u0625\u0635\u0644\u0627\u062d \u0623\u062e\u0637\u0627\u0621 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0645\u0646 \u0625\u0636\u0627\u0641\u0629 \u062f\u0641\u0639 \u0642\u062f\u064a\u0645\u0629 \u0644\u0646\u0638\u0627\u0645 \u0623\u0646\u062f\u0631\u0648\u064a\u062f\u060c \u0648\u0627\u062e\u062a\u0628\u0627\u0631 \u0627\u0644\u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0639\u0628\u0631 \u0623\u062c\u0647\u0632\u0629 \u0645\u062d\u0644\u064a\u0629 \u062d\u0642\u064a\u0642\u064a\u0629. \u062a\u062d\u0633\u0646\u062a \u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0628\u0646\u0633\u0628\u0629 31% \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0633\u0646\u0648\u064a.<a href=\"#ref-12\" class=\"reference-marker-inline-951\">12<\/a><\/p>\n<\/div>\n\n<blockquote class=\"quote-block-premium-445\">\n&quot;\u0644\u0648 \u0643\u0646\u062a \u0627\u0633\u062a\u0645\u0639\u062a \u0625\u0644\u0649 \u0645\u0631\u0627\u062c\u0639\u0627\u062a \u0627\u0644\u0645\u0643\u0648\u0646\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0639\u0645\u0644\u0627\u0626\u064a \u0627\u0644\u0641\u0639\u0644\u064a\u064a\u0646\u060c \u0643\u0646\u062a \u0633\u0623\u0641\u0642\u062f \u0646\u0635\u0641 \u0645\u0628\u064a\u0639\u0627\u062a\u064a \u0627\u0644\u064a\u0648\u0645.&quot;\n<footer class=\"quote-author\">\u2014\u0631\u064a\u0645\u0648\u0646\u062f\u0627\u0633 \u0623\u0648\u0644\u0641\u064a\u062f\u0627\u0633\u060c \u0635\u0627\u062d\u0628 \u0634\u0631\u0643\u0629 \u0635\u063a\u064a\u0631\u0629 \u0648\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062d\u062c\u0645\u060c 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class=\"list-item-spaced-112\">\u0642\u0645 \u0628\u0625\u062c\u0631\u0627\u0621 \u0645\u0639\u0627\u0645\u0644\u0627\u062a \u0645\u0628\u0627\u0634\u0631\u0629 \u0643\u0644 \u0623\u0633\u0628\u0648\u0639 - \u0644\u0627 \u062a\u0646\u062a\u0638\u0631 \u0634\u0643\u0627\u0648\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621<\/li>\n<li class=\"list-item-spaced-112\">\u0639\u0631\u0636 \u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0637\u0644\u0628 \u0627\u0644\u0641\u0648\u0631\u064a \u0639\u0646\u062f \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0646\u0627\u062c\u062d<\/li>\n<\/ol>\n\n<div class=\"country-fact-box-855\">\n<strong>\u0647\u0644 \u062a\u0639\u0644\u0645\u061f<\/strong> \u064a\u0648\u0641\u0631 \u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0642\u0648\u0627\u0626\u0645 \u062a\u062d\u0642\u0642 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0645\u062c\u0627\u0646\u064b\u0627 \u0648\u0639\u064a\u0646\u0627\u062a \u0645\u0646 \u0627\u0644\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 (\u0628\u0627\u0644\u0644\u063a\u062a\u064a\u0646 LV \u0648EN).\n<\/div>\n\n<h3 class=\"subheader-tier3-designation-925\">\u062c\u062f\u0648\u0644 \u0645\u0642\u0627\u0631\u0646\u0629 \u0633\u0631\u064a\u0639: \u0639\u0648\u0627\u0645\u0644 \u0646\u062c\u0627\u062d \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629<\/h3>\n<table class=\"data-table-professional-667\">\n  <tr class=\"table-row-alternating-556\">\n    <th class=\"table-header-cell-223\">\u0641\u0639\u0644<\/th>\n    <th class=\"table-header-cell-223\">\u062d\u0627\u0646 \u0648\u0642\u062a \u0627\u0644\u062a\u0646\u0641\u064a\u0630<\/th>\n    <th class=\"table-header-cell-223\">\u0627\u0644\u062a\u0623\u062b\u064a\u0631 \u0627\u0644\u0641\u0648\u0631\u064a<\/th>\n    <th class=\"table-header-cell-223\">\u0635\u0639\u0648\u0628\u0629<\/th>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u062a\u0645\u0643\u064a\u0646 \u0627\u0644\u062e\u0631\u0648\u062c \u0644\u0644\u0636\u064a\u0648\u0641<\/td>\n    <td class=\"table-data-cell-224\">\u0623\u0642\u0644 \u0645\u0646 \u0633\u0627\u0639\u0629 \u0648\u0627\u062d\u062f\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0639\u0627\u0644\u064a\u0629 (\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u062a\u062d\u0648\u064a\u0644)<\/td>\n    <td class=\"table-data-cell-224\">\u0633\u0647\u0644<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0625\u0636\u0627\u0641\u0629 Paysera\/\u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u0628\u0646\u0643\u064a<\/td>\n    <td class=\"table-data-cell-224\">1-2 \u0633\u0627\u0639\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0639\u0627\u0644\u064a\u0629 (\u0627\u0644\u062b\u0642\u0629 \u0648\u0627\u0644\u0633\u0631\u0639\u0629)<\/td>\n    <td class=\"table-data-cell-224\">\u0633\u0647\u0644<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0648\u0627\u0636\u062d\u0629 \u0639\u0646 \u0636\u0631\u064a\u0628\u0629 \u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629\/\u0627\u0644\u0645\u0632\u0648\u062f<\/td>\n    <td class=\"table-data-cell-224\">30 \u062f\u0642\u064a\u0642\u0629<\/td>\n    <td class=\"table-data-cell-224\">\u0645\u062a\u0648\u0633\u0637\u0629 (\u062b\u0642\u0629 \u0627\u0644\u0645\u0634\u062a\u0631\u064a)<\/td>\n    <td class=\"table-data-cell-224\">\u062a\u0627\u0641\u0647<\/td>\n  <\/tr>\n  <tr class=\"table-row-alternating-556\">\n    <td class=\"table-data-cell-224\">\u0627\u062e\u062a\u0628\u0627\u0631 \u062a\u062f\u0641\u0642 \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644<\/td>\n    <td class=\"table-data-cell-224\">\u0633\u0627\u0639\u0627\u062a\u064a\u0646<\/td>\n    <td class=\"table-data-cell-224\">\u0639\u0627\u0644\u064a\u0629 (\u062a\u062d\u0648\u064a\u0644\u0627\u062a \u0627\u0644\u062c\u0648\u0627\u0644)<\/td>\n    <td class=\"table-data-cell-224\">\u0633\u0647\u0644\/\u0645\u062a\u0648\u0633\u0637<\/td>\n  <\/tr>\n<\/table>\n\n<p>\u0628\u0639\u062f \u062a\u0641\u0643\u064a\u0631 \u062b\u0627\u0646\u064d\u060c \u064a\u062c\u062f\u0631 \u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0639\u0644\u0649 \u0623\u0646 \u0645\u0639\u0638\u0645 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u062d\u062c\u0645 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0627\u0644\u062a\u064a \u062a\u0648\u0627\u062c\u0647 \u0635\u0639\u0648\u0628\u0629 \u0641\u064a \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062f\u0641\u0639 \u0644\u0627 \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 \u0627\u0644\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0642\u0646\u064a\u0629 - \u0628\u0644 \u0625\u0646\u0647\u0627 \u062a\u0641\u062a\u0642\u0631 \u0625\u0644\u0649 &quot;\u0625\u062d\u0633\u0627\u0633 \u0627\u0644\u062a\u062d\u0648\u064a\u0644&quot; \u0627\u0644\u0630\u064a \u064a\u0623\u062a\u064a \u0645\u0646 \u0631\u062f\u0648\u062f \u0627\u0644\u0641\u0639\u0644 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0648\u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0648\u0627\u0644\u062e\u0637\u0623 \u0627\u0644\u0645\u0633\u062a\u0645\u0631.<a href=\"#ref-13\" class=\"reference-marker-inline-951\">13<\/a><\/p>\n\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u062f\u0639\u0648\u0629 \u0625\u0644\u0649 \u0627\u0644\u0639\u0645\u0644<\/h3>\n<p>\u062e\u0635\u0635 \u0639\u0634\u0631 \u062f\u0642\u0627\u0626\u0642 \u0647\u0630\u0627 \u0627\u0644\u0623\u0633\u0628\u0648\u0639 \u0644\u0627\u062e\u062a\u0628\u0627\u0631 \u0639\u0645\u0644\u064a\u0629 \u0627\u0644\u062f\u0641\u0639 \u0639\u0644\u0649 \u062c\u0647\u0627\u0632 \u062c\u0648\u0627\u0644 \u062d\u0642\u064a\u0642\u064a\u060c \u0648\u0627\u0637\u0644\u0628 \u0645\u0646 \u0635\u062f\u064a\u0642 \u0623\u0648 \u0639\u0645\u064a\u0644 \u0627\u0644\u062f\u0641\u0639. \u0633\u062a\u0644\u0627\u062d\u0638 \u0641\u064a \u0639\u0634\u0631 \u062f\u0642\u0627\u0626\u0642 \u0627\u062d\u062a\u0643\u0627\u0643\u064b\u0627 \u0623\u0643\u0628\u0631 \u0645\u0645\u0627 \u062a\u064f\u0638\u0647\u0631\u0647 \u0645\u0626\u0629 \u062a\u0642\u0631\u064a\u0631 \u062a\u062d\u0644\u064a\u0644\u064a. \u0623\u0646\u0627 \u062c\u0627\u062f\u064c\u0651 \u0641\u064a \u0630\u0644\u0643. \u0647\u0643\u0630\u0627 \u064a\u0641\u0639\u0644 \u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0648\u0646.<\/p>\n<\/div>\n\n<p>\u0646\u0642\u0637\u0629 \u0623\u062e\u064a\u0631\u0629 - \u062a\u0630\u0643\u0651\u0631 \u0623\u0646 \u0627\u0644\u062a\u0639\u062f\u064a\u0644\u0627\u062a \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0623\u0648 \u0625\u0637\u0644\u0627\u0642 \u0645\u0646\u0635\u0627\u062a \u062f\u0641\u0639 \u0631\u0626\u064a\u0633\u064a\u0629 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0633\u062a\u062f\u0639\u064a \u062f\u0627\u0626\u0645\u064b\u0627 \u0625\u062c\u0631\u0627\u0621 \u0627\u062e\u062a\u0628\u0627\u0631 \u0645\u0628\u0627\u0634\u0631. \u0645\u0627 \u0646\u062c\u062d \u0627\u0644\u0639\u0627\u0645 \u0627\u0644\u0645\u0627\u0636\u064a \u0631\u0628\u0645\u0627 \u064a\u0643\u0648\u0646 \u0642\u062f \u062a\u063a\u064a\u0631 \u0628\u0627\u0644\u0641\u0639\u0644\u061b \u064a\u062a\u0648\u0642\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0648\u0646 \u0623\u0646 \u062a\u0639\u0646\u064a \u0643\u0644\u0645\u0629 &quot;\u062d\u062f\u064a\u062b&quot; &quot;\u0641\u0648\u0631\u064a\u0629\u060c \u0645\u062d\u0644\u064a\u0629\u060c \u0648\u0633\u0647\u0644\u0629&quot;\u060c \u0648\u0644\u064a\u0633 \u0645\u062c\u0631\u062f &quot;\u062a\u0642\u0646\u064a\u0629 \u062c\u062f\u064a\u062f\u0629&quot;.<\/p>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-cover alignfull is-light has-parallax\"><div class=\"wp-block-cover__image-background wp-image-1246 size-large has-parallax\" style=\"background-position:50% 50%;background-image:url(https:\/\/doineurope.com\/wp-content\/uploads\/2025\/08\/smartphone-shopping-cart-payment-bag-business-2.jpeg)\"><\/div><span aria-hidden=\"true\" class=\"wp-block-cover__background has-background-dim\" style=\"background-color:#b2a89d\"><\/span><div class=\"wp-block-cover__inner-container is-layout-flow wp-block-cover-is-layout-flow\">\n<p class=\"has-text-align-center has-large-font-size\"><\/p>\n<\/div><\/div>\n\n\n\n<div class=\"content-block-4\">\n<div class=\"blogmaster-pro-container\">\n<div class=\"content-wrapper-premium-847\">\n<article id=\"unique-article-container-id-2847\">\n\n<h2 id=\"summary-final\" class=\"subheader-tier2-designation-924\">\u062e\u0644\u0627\u0635\u0629 \u0627\u0644\u0642\u0648\u0644: \u0646\u062c\u0627\u062d \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0628\u0633\u064a\u0637 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627<\/h2>\n\n<p>\u0628\u0635\u0641\u062a\u064a \u0623\u0639\u0645\u0644 \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0641\u064a \u0645\u0646\u0637\u0642\u0629 \u0627\u0644\u0628\u0644\u0637\u064a\u0642 \u0645\u0646\u0630 \u0639\u0627\u0645 \u0662\u0660\u0661\u0661\u060c \u0641\u0642\u062f \u0634\u0647\u062f\u062a\u064f \u0638\u0647\u0648\u0631 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646 \u062d\u0644\u0648\u0644 \u0627\u0644\u062f\u0641\u0639 &quot;\u0627\u0644\u0633\u0631\u064a\u0639\u0629&quot; \u062b\u0645 \u0632\u0648\u0627\u0644\u0647\u0627. \u0645\u0627 \u0627\u0644\u0630\u064a \u064a\u0628\u0642\u0649 \u062d\u0642\u064b\u0627\u061f \u0625\u0646\u0647\u0627 \u0627\u0644\u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0627\u0644\u0628\u0633\u064a\u0637\u0629 \u0627\u0644\u062a\u064a \u062a\u064f\u0644\u0628\u0651\u064a \u0645\u0628\u0627\u0634\u0631\u0629\u064b \u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629: \u062a\u0635\u0645\u064a\u0645 \u064a\u064f\u0631\u0643\u0651\u0632 \u0639\u0644\u0649 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u0645\u062d\u0645\u0648\u0644\u0629\u060c \u0648\u0627\u0644\u062a\u0623\u0643\u064a\u062f \u0627\u0644\u0641\u0648\u0631\u064a\u060c \u0648\u062e\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u0645\u062d\u0644\u064a\u0629\u060c \u0648\u0634\u0641\u0627\u0641\u064a\u0629 \u0627\u0644\u0627\u0645\u062a\u062b\u0627\u0644. \u0628\u0635\u0631\u0627\u062d\u0629\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0639\u062a\u0645\u062f \u0627\u0644\u0623\u0645\u0631 \u0639\u0644\u0649 \u0627\u0644\u062a\u0646\u0641\u064a\u0630 \u0627\u0644\u0628\u0633\u064a\u0637\u060c \u0648\u0644\u064a\u0633 \u0639\u0644\u0649 \u0645\u0644\u0627\u062d\u0642\u0629 \u0623\u062d\u062f\u062b \u0627\u0644\u062a\u0642\u0646\u064a\u0627\u062a (\u0645\u0647\u0645\u0627 \u0628\u062f\u062a \u0645\u063a\u0631\u064a\u0629).<\/p>\n\n<p>\u0633\u0623\u0643\u0648\u0646 \u0635\u0631\u064a\u062d\u064b\u0627 \u062a\u0645\u0627\u0645\u064b\u0627 - \u0633\u0648\u0642 \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u064a\u062a\u0645\u064a\u0632 \u0628\u0645\u0631\u0648\u0646\u0629 \u0641\u0627\u0626\u0642\u0629 \u0648\u0639\u0631\u0636\u0629 \u0644\u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a. \u0644\u0647\u0630\u0627 \u0627\u0644\u0633\u0628\u0628\u060c \u064a\u0644\u062a\u0632\u0645 \u0627\u0644\u062a\u062c\u0627\u0631 \u0627\u0644\u0623\u0630\u0643\u064a\u0627\u0621 \u0647\u0646\u0627 \u0628\u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0627\u062a \u0648\u064a\u0631\u0643\u0632\u0648\u0646 \u0639\u0644\u0649 \u0627\u0644\u0625\u062a\u0642\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0648\u0627\u0644\u0645\u062a\u0643\u0631\u0631. \u064a\u064f\u0630\u0647\u0644\u0646\u064a \u0643\u0645 \u0645\u0646 \u0645\u0631\u0629 \u064a\u064f\u0645\u0643\u0646 \u0644\u062a\u0639\u062f\u064a\u0644 \u0628\u0633\u064a\u0637 - \u0645\u062b\u0644 \u0625\u0636\u0627\u0641\u0629 \u062e\u064a\u0627\u0631 \u0645\u062a\u0639\u062f\u062f \u0627\u0644\u0644\u063a\u0627\u062a \u0623\u0648 \u0625\u0635\u0644\u0627\u062d \u062e\u0637\u0623 \u0641\u064a \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 - \u0623\u0646 \u064a\u064f\u063a\u064a\u0631 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u064a\u0646 \u0639\u0634\u064a\u0629 \u0648\u0636\u062d\u0627\u0647\u0627. \u0623\u0641\u0636\u0644 \u0627\u0644\u062d\u0644\u0648\u0644 \u0644\u0627 \u062a\u0643\u0645\u0646 \u0648\u0631\u0627\u0621 \u0648\u0627\u062c\u0647\u0627\u062a \u0628\u0631\u0645\u062c\u0629 \u062a\u0637\u0628\u064a\u0642\u0627\u062a \u0628\u0627\u0647\u0638\u0629 \u0627\u0644\u062b\u0645\u0646 \u0623\u0648 \u0645\u064a\u0632\u0627\u062a \u0644\u0627 \u064a\u0641\u0647\u0645\u0647\u0627 \u0625\u0644\u0627 \u062e\u0628\u0631\u0627\u0621 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627\u061b \u0628\u0644 \u0647\u064a \u0645\u062a\u0627\u062d\u0629 \u0641\u0648\u0631\u064b\u0627\u060c \u0641\u064a \u0627\u0646\u062a\u0638\u0627\u0631 \u062a\u0641\u0639\u064a\u0644\u0647\u0627. \u0648\u0643\u0645\u0627 \u0642\u0627\u0644 \u0623\u062d\u062f \u0627\u0644\u0645\u0637\u0648\u0631\u064a\u0646 \u0627\u0644\u0645\u062e\u0636\u0631\u0645\u064a\u0646 \u0641\u064a \u0641\u064a\u0644\u0646\u064a\u0648\u0633 \u0641\u064a \u0646\u062f\u0648\u0629 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0645\u0627\u0636\u064a: &quot;\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0635\u0641\u062d\u0629 \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635\u0629 \u0628\u0643 \u0644\u0627 \u062a\u0632\u0627\u0644 \u0645\u064f\u0631\u0628\u0643\u0629 \u0641\u064a \u0639\u0627\u0645 \u0662\u0660\u0662\u0665\u060c \u0641\u0630\u0644\u0643 \u0644\u0623\u0646\u0643 \u0627\u062e\u062a\u0631\u062a \u0639\u062f\u0645 \u062a\u0628\u0633\u064a\u0637\u0647\u0627&quot;.<\/p>\n\n<blockquote class=\"quote-block-premium-445\">\n&quot;\u0625\u0646 \u0623\u0633\u0631\u0639 \u0627\u0644\u0645\u062a\u0627\u062c\u0631 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0646\u0645\u0648\u064b\u0627 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0644\u064a\u0633\u062a \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0623\u0643\u0628\u0631 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u0645\u064a\u0632\u0627\u062a - \u0628\u0644 \u0647\u064a \u062a\u0644\u0643 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0623\u0642\u0644 \u0639\u062f\u062f \u0645\u0646 \u0627\u0644\u062d\u0648\u0627\u062c\u0632 \u0623\u0645\u0627\u0645 \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u0634\u062a\u0631\u064a\u0646 \u0627\u0644\u064a\u0648\u0645\u064a\u064a\u0646.&quot;\n<footer class=\"quote-author\">\u2014\u0625\u064a\u062c\u0644\u064a \u064a\u0648\u0631\u062c\u064a\u0644\u0627\u064a\u062a\u064a\u060c \u0645\u0624\u0633\u0633 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 (\u0641\u064a\u0644\u0646\u064a\u0648\u0633)<\/footer>\n<\/blockquote>\n\n<div class=\"highlight-container-deluxe-778\">\n<h3 class=\"accent-header-bold-334\">\u0646\u0635\u0627\u0626\u062d \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627<\/h3>\n<ul class=\"list-unordered-custom-890\">\n<li class=\"list-item-spaced-112\">\u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u062a\u0631\u0642\u064a\u0627\u062a \u0628\u0627\u0647\u0638\u0629 \u0627\u0644\u062b\u0645\u0646 - \u062a\u0643\u0648\u064a\u0646 \u0627\u0644\u0625\u0639\u062f\u0627\u062f\u0627\u062a \u0627\u0644\u0623\u0633\u0627\u0633\u064a\u0629 \u0647\u0648 \u0627\u0644\u062d\u0644 \u0627\u0644\u0623\u0645\u062b\u0644.<\/li>\n<li class=\"list-item-spaced-112\">\u0627\u062e\u062a\u0628\u0631 \u0627\u0644\u062a\u062f\u0641\u0642\u0627\u062a \u0628\u0634\u0643\u0644 \u0646\u0634\u0637 \u0639\u0644\u0649 \u0627\u0644\u0623\u062c\u0647\u0632\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0643\u0644 \u0634\u0647\u0631 - \u0644\u0627 \u062a\u0646\u062a\u0638\u0631 \u0623\u0628\u062f\u064b\u0627 \u0627\u0646\u062e\u0641\u0627\u0636 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a.<\/li>\n<li class=\"list-item-spaced-112\">\u0627\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0645\u0639\u0631\u0641\u0629 \u0645\u0632\u0648\u062f \u0627\u0644\u062f\u0641\u0639 \u0627\u0644\u062e\u0627\u0635 \u0628\u0643 \u0628\u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u0627\u0644\u0645\u062d\u0644\u064a \u0648\u0639\u0627\u062f\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/li>\n<li class=\"list-item-spaced-112\">\u0627\u0644\u0628\u0633\u0627\u0637\u0629 \u0644\u0627 \u062a\u0639\u0646\u064a \u0627\u0644\u0633\u0630\u0627\u062c\u0629\u060c \u0628\u0644 \u0647\u064a \u0627\u0644\u062a\u0646\u0627\u0641\u0633\u064a\u0629.<\/li>\n<\/ul>\n<\/div>\n\n<h2 id=\"resources\" class=\"subheader-tier2-designation-924\">\u0627\u0644\u0645\u0631\u0627\u062c\u0639 \u0648\u0627\u0644\u0645\u0648\u0627\u0631\u062f \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629<\/h2>\n<div class=\"references-section-container-952\">\n<h3 class=\"references-section-header-953\">\u0645\u0631\u0627\u062c\u0639<\/h3>\n<div class=\"reference-item-container-954\" id=\"ref-1\">\n  <span class=\"reference-number-badge-955\">1<\/span>\n  <a href=\"https:\/\/www.lb.lt\/en\/development-of-the-payments-market-in-lithuania-2024\" class=\"reference-link-styled-956\">\u062a\u0637\u0648\u064a\u0631 \u0633\u0648\u0642 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024<\/a>\n  <span class=\"reference-source-type-957\">\u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0623\u0643\u0627\u062f\u064a\u0645\u064a<\/span> (\u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-2\">\n  <span class=\"reference-number-badge-955\">2<\/span>\n  <a href=\"https:\/\/verslilietuva.lt\/news\/lithuania-ecommerce-barriers-2024\" class=\"reference-link-styled-956\">\u0639\u0648\u0627\u0626\u0642 \u0646\u0645\u0648 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627: \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0633\u062d<\/a>\n  <span class=\"reference-source-type-957\">\u0645\u0635\u062f\u0631 \u062d\u0643\u0648\u0645\u064a<\/span> (\u0645\u0624\u0633\u0633\u0629 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-3\">\n  <span class=\"reference-number-badge-955\">3<\/span>\n  <a href=\"https:\/\/en.delfi.lt\/business\/lithuania-sme-payments-survey-2025.d?id=94572385\" class=\"reference-link-styled-956\">\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629<\/a>\n  <span class=\"reference-source-type-957\">\u0646\u0634\u0631\u0629 \u0627\u062e\u0628\u0627\u0631\u064a\u0629<\/span> (Delfi.lt\u060c \u0623\u0628\u0631\u064a\u0644 2025)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-4\">\n  <span class=\"reference-number-badge-955\">4<\/span>\n  <a href=\"https:\/\/ecommercenews.eu\/factors-affecting-payments-in-lithuanian-ecommerce\" class=\"reference-link-styled-956\">\u0627\u0644\u0639\u0648\u0627\u0645\u0644 \u0627\u0644\u0645\u0624\u062b\u0631\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0641\u064a \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629<\/a>\n  <span class=\"reference-source-type-957\">\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u0629<\/span> (EcommerceNews.eu\u060c 2025)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-5\">\n  <span class=\"reference-number-badge-955\">5<\/span>\n  <a href=\"https:\/\/www.lb.lt\/en\/faq-about-sme-payments-optimization\" class=\"reference-link-styled-956\">\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u062d\u0648\u0644 \u062a\u062d\u0633\u064a\u0646 \u0645\u062f\u0641\u0648\u0639\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627<\/a>\n  <span class=\"reference-source-type-957\">\u0627\u0644\u0623\u0633\u0626\u0644\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0627\u0644\u0623\u0643\u0627\u062f\u064a\u0645\u064a\u0629<\/span> (\u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-6\">\n  <span class=\"reference-number-badge-955\">6<\/span>\n  <a href=\"https:\/\/www.stat.gov.lt\/en\/online-payment-statistics-2024\" class=\"reference-link-styled-956\">\u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 2024<\/a>\n  <span class=\"reference-source-type-957\">\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062d\u0643\u0648\u0645\u0629<\/span> (\u0625\u062d\u0635\u0627\u0621\u0627\u062a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-7\">\n  <span class=\"reference-number-badge-955\">7<\/span>\n  <a href=\"https:\/\/www.lb.lt\/en\/news\/apple-pay-google-pay-impact-in-lithuania\" class=\"reference-link-styled-956\">\u062a\u0623\u062b\u064a\u0631 Apple Pay \u0648Google Pay<\/a>\n  <span class=\"reference-source-type-957\">\u0627\u0644\u062a\u062d\u0644\u064a\u0644 \u0627\u0644\u0623\u0643\u0627\u062f\u064a\u0645\u064a<\/span> (\u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-8\">\n  <span class=\"reference-number-badge-955\">8<\/span>\n  <a href=\"https:\/\/www.lb.lt\/en\/payment-services-regulation-2025\" class=\"reference-link-styled-956\">\u062a\u0646\u0638\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062f\u0641\u0639 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627<\/a>\n  <span class=\"reference-source-type-957\">\u0627\u0644\u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062d\u0643\u0648\u0645\u064a<\/span> (\u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2025)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-9\">\n  <span class=\"reference-number-badge-955\">9<\/span>\n  <a href=\"https:\/\/www.lb.lt\/en\/guidelines-for-e-commerce-compliance-lithuania\" class=\"reference-link-styled-956\">\u0627\u0644\u0645\u0628\u0627\u062f\u0626 \u0627\u0644\u062a\u0648\u062c\u064a\u0647\u064a\u0629 \u0644\u0644\u0627\u0645\u062a\u062b\u0627\u0644 \u0644\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629<\/a>\n  <span class=\"reference-source-type-957\">\u0627\u0644\u062a\u0648\u062c\u064a\u0647 \u0627\u0644\u062a\u0646\u0638\u064a\u0645\u064a<\/span> (\u0628\u0646\u0643 \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u060c 2025)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-10\">\n  <span class=\"reference-number-badge-955\">10<\/span>\n  <a href=\"https:\/\/en.kaunas.lt\/case-study-fashion-payment-optimization\" class=\"reference-link-styled-956\">\u062d\u0627\u0644\u0629 \u062a\u062d\u0633\u064a\u0646 \u0627\u0644\u062f\u0641\u0639 \u0644\u0645\u062a\u062c\u0631 \u0623\u0632\u064a\u0627\u0621 \u0643\u0627\u0648\u0646\u0627\u0633<\/a>\n  <span class=\"reference-source-type-957\">\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u062d\u0627\u0644\u0629<\/span> (\u0645\u062f\u064a\u0646\u0629 \u0643\u0627\u0648\u0646\u0627\u0633\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-11\">\n  <span class=\"reference-number-badge-955\">11<\/span>\n  <a href=\"https:\/\/en.vilnius.lt\/homeware-boutique-multilanguage-case\" class=\"reference-link-styled-956\">\u062f\u0631\u0627\u0633\u0629 \u062d\u0627\u0644\u0629 \u0645\u062a\u0639\u062f\u062f\u0629 \u0627\u0644\u0644\u063a\u0627\u062a \u0644\u0623\u062f\u0648\u0627\u062a \u0645\u0646\u0632\u0644\u064a\u0629 \u0641\u064a \u0641\u064a\u0644\u0646\u064a\u0648\u0633<\/a>\n  <span class=\"reference-source-type-957\">\u062f\u0631\u0627\u0633\u0629 \u0627\u0644\u062d\u0627\u0644\u0629<\/span> (\u0645\u062f\u064a\u0646\u0629 \u0641\u064a\u0644\u0646\u064a\u0648\u0633\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-12\">\n  <span class=\"reference-number-badge-955\">12<\/span>\n  <a href=\"https:\/\/groceries.lt\/case-mobile-payments-2024\" class=\"reference-link-styled-956\">\u0627\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0647\u0627\u062a\u0641 \u0627\u0644\u0645\u062d\u0645\u0648\u0644 \u0641\u064a \u0645\u062d\u0644\u0627\u062a \u0627\u0644\u0628\u0642\u0627\u0644\u0629 \u0627\u0644\u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0629<\/a>\n  <span class=\"reference-source-type-957\">\u0645\u0642\u0627\u0644\u0629 \u0639\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629<\/span> (groceries.lt\u060c 2024)\n<\/div>\n<div class=\"reference-item-container-954\" id=\"ref-13\">\n  <span class=\"reference-number-badge-955\">13<\/span>\n  <a href=\"https:\/\/www.ecommercedaily.lt\/insider-tips-payment-conversion\" class=\"reference-link-styled-956\">\u0646\u0635\u0627\u0626\u062d \u062f\u0627\u062e\u0644\u064a\u0629 \u0644\u062a\u062d\u0648\u064a\u0644 \u0627\u0644\u062f\u0641\u0639<\/a>\n  <span class=\"reference-source-type-957\">\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0635\u0646\u0627\u0639\u0629<\/span> (EcommerceDaily.lt\u060c 2024)\n<\/div>\n<\/div>\n\n<div class=\"social-engagement-panel-477\">\n<strong>\u0634\u0627\u0631\u0643 \u0647\u0630\u0647 \u0627\u0644\u0645\u0642\u0627\u0644\u0629:<\/strong>\n<ul class=\"list-unordered-custom-890\">\n  <li class=\"list-item-spaced-112\"><a href=\"#\" class=\"link-dotted-hover-567\">\u062a\u063a\u0631\u064a\u062f<\/a><\/li>\n  <li class=\"list-item-spaced-112\"><a href=\"#\" class=\"link-dotted-hover-567\">\u0644\u064a\u0646\u0643\u062f \u0625\u0646<\/a><\/li>\n  <li class=\"list-item-spaced-112\"><a href=\"#\" class=\"link-dotted-hover-567\">\u0641\u064a\u0633\u0628\u0648\u0643<\/a><\/li>\n<\/ul>\n<\/div>\n\n<\/article>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n\n<figure class=\"wp-block-image alignfull size-full\"><img decoding=\"async\" src=\"https:\/\/doineurope.com\/wp-content\/uploads\/2025\/08\/smartphone-shopping-cart-payment-bag-business-3.jpeg\" alt=\"\" class=\"wp-image-1251\"\/><\/figure>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>\u0646\u0635\u0627\u0626\u062d \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627 \u0644\u0644\u062f\u0641\u0639 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a: \u0627\u0633\u062a\u0631\u0627\u062a\u064a\u062c\u064a\u0627\u062a \u0628\u0633\u064a\u0637\u0629 \u0645\u0646 \u062e\u0628\u0631\u0627\u0621 \u0644\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629. \u0647\u0644 \u062a\u0633\u0627\u0621\u0644\u062a \u064a\u0648\u0645\u064b\u0627 \u0639\u0645\u0627 \u064a\u062d\u062f\u062b \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u062c\u0632\u0626\u0629 \u0627\u0644\u0625\u0644\u0643\u062a\u0631\u0648\u0646\u064a\u0629 \u0627\u0644\u0645\u0632\u062f\u0647\u0631 \u0641\u064a \u0644\u064a\u062a\u0648\u0627\u0646\u064a\u0627\u061f \u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0646\u0642\u0627\u0634\u0627\u062a \u062a\u0628\u0646\u064a \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0641\u064a \u0627\u0644\u0628\u0644\u0627\u062f \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u062a\u064f\u0633\u0644\u0651\u0637 \u0627\u0644\u0636\u0648\u0621 \u0639\u0644\u0649 \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0643\u0646\u0648\u0644\u0648\u062c\u064a\u0627 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0623\u0644\u0642\u060c \u0623\u0632\u0639\u0645 \u0623\u0646 \u0627\u0644\u062f\u0631\u0648\u0633 \u0627\u0644\u0623\u0643\u062b\u0631 \u0642\u064a\u0645\u0629 \u0644\u0627 \u062a\u0623\u062a\u064a \u0645\u0646 \u0627\u0644\u0644\u0627\u0639\u0628\u064a\u0646 \u0627\u0644\u0643\u0628\u0627\u0631 \u0623\u0648 \u0627\u0644\u0639\u0646\u0627\u0648\u064a\u0646 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629 \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u0628\u0644 \u0645\u0646 [...]<\/p>","protected":false},"author":10,"featured_media":2782,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":4,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[240,265],"tags":[],"class_list":["post-2777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-economics","category-lithuania"],"_genesis_description":"Discover expert payment optimization strategies for Lithuanian small businesses. Market insiders share actionable tips to simplify online sales and boost conversions.","_links":{"self":[{"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/posts\/2777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/comments?post=2777"}],"version-history":[{"count":1,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/posts\/2777\/revisions"}],"predecessor-version":[{"id":2783,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/posts\/2777\/revisions\/2783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/media\/2782"}],"wp:attachment":[{"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/media?parent=2777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/categories?post=2777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/doineurope.com\/ar\/wp-json\/wp\/v2\/tags?post=2777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}