{"id":4702,"date":"2026-08-19T16:25:15","date_gmt":"2026-08-19T12:55:15","guid":{"rendered":"https:\/\/www.mydigipay.com\/academy\/?p=4702"},"modified":"2026-08-19T16:25:15","modified_gmt":"2026-08-19T12:55:15","slug":"credit-allocation-guide","status":"publish","type":"post","link":"https:\/\/www.mydigipay.com\/academy\/credit-allocation-guide\/","title":{"rendered":"\u0631\u0627\u0647\u0646\u0645\u0627\u06cc \u062f\u0631\u06cc\u0627\u0641\u062a \u0627\u0639\u062a\u0628\u0627\u0631 \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc \u0628\u0631\u0627\u06cc \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0634\u0645\u0627"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">\u06cc\u06a9 \u0631\u0627\u0647 \u0642\u0637\u0639\u06cc \u0627\u0641\u0632\u0627\u06cc\u0634 \u0641\u0631\u0648\u0634 \u0641\u0631\u0648\u0634\u06af\u0627\u0647\u200c\u0647\u0627\u06cc \u062d\u0636\u0648\u0631\u06cc \u0648 \u0622\u0646\u0644\u0627\u06cc\u0646 \u0641\u0631\u0648\u0634 \u0627\u0642\u0633\u0627\u0637\u06cc 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class=\"wp-block-heading\">\u06af\u0632\u06cc\u0646\u0647 \u0627\u0648\u0644: \u0627\u0639\u062a\u0628\u0627\u0631 \u062e\u0631\u06cc\u062f \u06f1 \u06cc\u0627 \u06f4 \u0642\u0633\u0637\u0647 \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc (BNPL)<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0633\u0631\u0648\u06cc\u0633&nbsp;<strong>\u0627\u0639\u062a\u0628\u0627\u0631 \u06f1 \u06cc\u0627 \u06f4 \u0642\u0633\u0637\u0647 \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc<\/strong>&nbsp;\u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0634\u0645\u0627 \u0627\u062c\u0627\u0632\u0647 \u0645\u06cc\u200c\u062f\u0647\u062f \u062a\u0627 \u0633\u0642\u0641&nbsp;<strong>\u06f2\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646<\/strong>&nbsp;\u0627\u0639\u062a\u0628\u0627\u0631 \u062e\u0631\u06cc\u062f \u062f\u0631\u06cc\u0627\u0641\u062a \u06a9\u0646\u0646\u062f\u060c \u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0647\u06cc\u0686 \u0645\u062f\u0631\u06a9 \u06cc\u0627 \u0648\u062b\u06cc\u0642\u0647\u200c\u0627\u06cc.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u0645\u0632\u0627\u06cc\u0627\u06cc \u0627\u0639\u062a\u0628\u0627\u0631 BNPL \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc \u0628\u0631\u0627\u06cc \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0634\u0645\u0627:<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0636\u0627\u0645\u0646\u060c \u0686\u06a9 \u06cc\u0627 \u0633\u0641\u062a\u0647<\/li>\n\n\n\n<li>\u0641\u0642\u0637 \u0628\u0627 \u0648\u0627\u0631\u062f \u06a9\u0631\u062f\u0646\u00a0<strong>\u06a9\u062f \u0645\u0644\u06cc \u0648 \u0634\u0645\u0627\u0631\u0647 \u0645\u0648\u0628\u0627\u06cc\u0644<\/strong><\/li>\n\n\n\n<li>\u062a\u0639\u06cc\u06cc\u0646 \u0627\u0639\u062a\u0628\u0627\u0631 \u062f\u0631 \u0644\u062d\u0638\u0647 \u0628\u0631 \u0627\u0633\u0627\u0633 \u0631\u062a\u0628\u0647 \u0627\u0639\u062a\u0628\u0627\u0631\u06cc \u0648 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\u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u06af\u0632\u06cc\u0646\u0647 \u062f\u0648\u0645: \u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc \u0622\u0646\u0644\u0627\u06cc\u0646 \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0631\u0627\u06cc \u0645\u0634\u062a\u0631\u06cc\u0627\u0646\u06cc \u06a9\u0647 \u0628\u0647 \u0645\u0628\u0644\u063a \u0628\u0627\u0644\u0627\u062a\u0631\u06cc \u0628\u0631\u0627\u06cc \u062e\u0631\u06cc\u062f \u0646\u06cc\u0627\u0632 \u062f\u0627\u0631\u0646\u062f\u060c \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc \u0627\u0645\u06a9\u0627\u0646 \u062f\u0631\u06cc\u0627\u0641\u062a&nbsp;<strong>\u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc \u062a\u0627 \u06f2\u06f0\u06f0 \u0645\u06cc\u0644\u06cc\u0648\u0646 \u062a\u0648\u0645\u0627\u0646<\/strong>&nbsp;\u0631\u0627 \u0628\u0647 \u0635\u0648\u0631\u062a \u0622\u0646\u0644\u0627\u06cc\u0646 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\u062b\u0628\u062a\u200c\u0646\u0627\u0645 \u06a9\u0627\u0645\u0644\u0627\u064b \u0622\u0646\u0644\u0627\u06cc\u0646 \u0648 \u0628\u062f\u0648\u0646 \u0646\u06cc\u0627\u0632 \u0628\u0647 \u0645\u0631\u0627\u062c\u0639\u0647 \u062d\u0636\u0648\u0631\u06cc<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u0644\u06cc\u0646\u06a9 \u0627\u062e\u062a\u0635\u0627\u0635\u06cc \u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc \u0631\u0627 \u0628\u0627 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u062e\u0648\u062f \u0628\u0647 \u0627\u0634\u062a\u0631\u0627\u06a9 \u0628\u06af\u0630\u0627\u0631\u06cc\u062f:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/app.mydigipay.com\/service\/credit\/pre-register?step=Plan\" data-type=\"link\" data-id=\"https:\/\/app.mydigipay.com\/service\/credit\/pre-register?step=Plan\">\ud83d\udd17\u00a0<strong>\u062f\u0631\u062e\u0648\u0627\u0633\u062a \u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc 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class=\"wp-block-list\">\n<li>\u0627\u0646\u062a\u0634\u0627\u0631 \u062f\u0631 \u0635\u0641\u062d\u0627\u062a \u0627\u062c\u062a\u0645\u0627\u0639\u06cc \u0641\u0631\u0648\u0634\u06af\u0627\u0647 (\u0627\u06cc\u0646\u0633\u062a\u0627\u06af\u0631\u0627\u0645\u060c \u062a\u0644\u06af\u0631\u0627\u0645 \u0648&#8230;)<\/li>\n\n\n\n<li>\u062f\u0631\u062c \u062f\u0631 \u0627\u0633\u062a\u0648\u0631\u06cc \u0648 \u067e\u0633\u062a\u200c\u0647\u0627\u06cc \u062a\u0628\u0644\u06cc\u063a\u0627\u062a\u06cc \u0628\u0627 \u0627\u0633\u062a\u0641\u0627\u062f\u0647 \u0627\u0632 \u0628\u0646\u0631\u0647\u0627\u06cc \u0622\u0645\u0627\u062f\u0647<\/li>\n\n\n\n<li>\u0627\u0631\u0633\u0627\u0644 \u067e\u06cc\u0627\u0645\u06a9\u06cc \u06cc\u0627 \u0627\u06cc\u0645\u06cc\u0644\u06cc \u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0642\u0628\u0644\u06cc<\/li>\n\n\n\n<li>\u0646\u0645\u0627\u06cc\u0634 \u0628\u0646\u0631 \u062f\u0631 \u0635\u0641\u062d\u0647 \u0627\u0635\u0644\u06cc 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\u0627\u062c\u062a\u0645\u0627\u0639\u06cc<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy-1024x1024.webp\" alt=\"\" class=\"wp-image-4703 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy-1024x1024.webp 1024w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy-300x300.webp 300w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy-150x150.webp 150w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy-768x768.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Square-copy.webp 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile has-small-font-size\" style=\"border-style:none;border-width:0px\"><div class=\"wp-block-media-text__content\">\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-952d8c091edd918cd5d554beb19e08d4\" style=\"color:#002fa3;font-size:20px\"><strong>\u0627\u0633\u062a\u0648\u0631\u06cc \u0634\u0628\u06a9\u0647\u200c\u0647\u0627\u06cc \u0627\u062c\u062a\u0645\u0627\u0639\u06cc<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy-576x1024.webp\" alt=\"\" class=\"wp-image-4705 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy-576x1024.webp 576w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy-169x300.webp 169w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy-768x1365.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy-864x1536.webp 864w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-Vertical-copy.webp 1080w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile has-small-font-size\" style=\"border-style:none;border-width:0px\"><div class=\"wp-block-media-text__content\">\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-0e88d994dbf1208fc93a36a810963753\" style=\"color:#002fa3;font-size:20px\"><strong>\u0628\u0646\u0631 \u0648\u0628\u0633\u0627\u06cc\u062a<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img decoding=\"async\" width=\"1024\" height=\"435\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1-1024x435.webp\" alt=\"\" class=\"wp-image-4707 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1-1024x435.webp 1024w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1-300x128.webp 300w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1-768x326.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/20Credit-copy-1.webp 1282w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\u0628\u0646\u0631\u0647\u0627\u06cc \u0645\u0639\u0631\u0641\u06cc \u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc<\/h4>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile has-small-font-size\" style=\"border-style:none;border-width:0px\"><div class=\"wp-block-media-text__content\">\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-ba7a29777fbaad47d0a19659eda87174\" style=\"color:#002fa3;font-size:20px\"><strong>\u067e\u0633\u062a \u0634\u0628\u06a9\u0647\u200c\u0647\u0627\u06cc \u0627\u062c\u062a\u0645\u0627\u0639\u06cc<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy-1024x1024.webp\" alt=\"\" class=\"wp-image-4708 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy-1024x1024.webp 1024w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy-300x300.webp 300w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy-150x150.webp 150w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy-768x768.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Square-copy.webp 1080w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile has-small-font-size\" style=\"border-style:none;border-width:0px\"><div class=\"wp-block-media-text__content\">\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-952d8c091edd918cd5d554beb19e08d4\" style=\"color:#002fa3;font-size:20px\"><strong>\u0627\u0633\u062a\u0648\u0631\u06cc \u0634\u0628\u06a9\u0647\u200c\u0647\u0627\u06cc \u0627\u062c\u062a\u0645\u0627\u0639\u06cc<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"576\" height=\"1024\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy-576x1024.webp\" alt=\"\" class=\"wp-image-4709 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy-576x1024.webp 576w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy-169x300.webp 169w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy-768x1365.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy-864x1536.webp 864w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-Vertical-copy.webp 1080w\" sizes=\"(max-width: 576px) 100vw, 576px\" \/><\/figure><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-media-text has-media-on-the-right is-stacked-on-mobile has-small-font-size\" style=\"border-style:none;border-width:0px\"><div class=\"wp-block-media-text__content\">\n<h5 class=\"wp-block-heading has-text-color has-link-color wp-elements-0e88d994dbf1208fc93a36a810963753\" style=\"color:#002fa3;font-size:20px\"><strong>\u0628\u0646\u0631 \u0648\u0628\u0633\u0627\u06cc\u062a<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-right is-layout-flex wp-container-core-buttons-is-layout-b507c051 wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button has-custom-width wp-block-button__width-50 is-style-fill\"><a class=\"wp-block-button__link has-white-color has-text-color has-background has-link-color wp-element-button\" href=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy.webp\" style=\"background-color:#002fa3\">\u062f\u0627\u0646\u0644\u0648\u062f<\/a><\/div>\n<\/div>\n<\/div><figure class=\"wp-block-media-text__media\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"435\" src=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy-1024x435.webp\" alt=\"\" class=\"wp-image-4710 size-full\" srcset=\"https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy-1024x435.webp 1024w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy-300x128.webp 300w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy-768x326.webp 768w, https:\/\/www.mydigipay.com\/academy\/wp-content\/uploads\/2026\/08\/200Credit-copy.webp 1282w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u062c\u0645\u0639\u200c\u0628\u0646\u062f\u06cc<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0628\u0627 \u0645\u0639\u0631\u0641\u06cc \u0635\u062d\u06cc\u062d&nbsp;<strong>\u0627\u0639\u062a\u0628\u0627\u0631 \u062e\u0631\u06cc\u062f \u0627\u0642\u0633\u0627\u0637\u06cc \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc<\/strong>&nbsp;\u0648&nbsp;<strong>\u0648\u0627\u0645 \u0628\u0627\u0646\u06a9\u06cc \u062f\u06cc\u062c\u06cc\u200c\u067e\u06cc<\/strong>&nbsp;\u0628\u0647 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646 \u0641\u0631\u0648\u0634\u06af\u0627\u0647 \u062e\u0648\u062f\u060c \u0645\u06cc\u200c\u062a\u0648\u0627\u0646\u06cc\u062f \u062a\u062c\u0631\u0628\u0647 \u062e\u0631\u06cc\u062f \u0628\u0647\u062a\u0631\u06cc \u0628\u0631\u0627\u06cc \u0622\u0646\u200c\u0647\u0627 \u0641\u0631\u0627\u0647\u0645 \u06a9\u0631\u062f\u0647 \u0648 \u0641\u0631\u0648\u0634 \u062e\u0648\u062f \u0631\u0627 \u0627\u0641\u0632\u0627\u06cc\u0634 \u062f\u0647\u06cc\u062f. \u06a9\u0627\u0641\u06cc\u0633\u062a \u0644\u06cc\u0646\u06a9\u200c\u0647\u0627\u06cc \u0627\u062e\u062a\u0635\u0627\u0635\u06cc \u0628\u0627\u0644\u0627 \u0631\u0627 \u062f\u0631 \u06a9\u0627\u0646\u0627\u0644\u200c\u0647\u0627\u06cc \u0627\u0631\u062a\u0628\u0627\u0637\u06cc \u0641\u0631\u0648\u0634\u06af\u0627\u0647 \u062e\u0648\u062f \u0642\u0631\u0627\u0631 \u062f\u0647\u06cc\u062f \u062a\u0627 \u0645\u0634\u062a\u0631\u06cc\u0627\u0646\u062a\u0627\u0646 \u0628\u062f\u0648\u0646 \u0647\u06cc\u0686 \u0645\u062d\u062f\u0648\u062f\u06cc\u062a\u06cc \u0627\u0632 \u0627\u06cc\u0646 \u062a\u0633\u0647\u06cc\u0644\u0627\u062a \u0628\u0647\u0631\u0647\u200c\u0645\u0646\u062f \u0634\u0648\u0646\u062f.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u06cc\u06a9 \u0631\u0627\u0647 \u0642\u0637\u0639\u06cc 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