diff --git a/doc/참고자료/전자고지/네이버(인증톡).zip b/doc/참고자료/전자고지/네이버(인증톡).zip
new file mode 100644
index 00000000..8fa2cdcf
Binary files /dev/null and b/doc/참고자료/전자고지/네이버(인증톡).zip differ
diff --git a/doc/참고자료/전자고지/카카오 알림톡(문자).zip b/doc/참고자료/전자고지/카카오 알림톡(문자).zip
new file mode 100644
index 00000000..6a9f396b
Binary files /dev/null and b/doc/참고자료/전자고지/카카오 알림톡(문자).zip differ
diff --git a/doc/참고자료/전자고지/카카오페이 API 신규.zip b/doc/참고자료/전자고지/카카오페이 API 신규.zip
new file mode 100644
index 00000000..bb36d13c
Binary files /dev/null and b/doc/참고자료/전자고지/카카오페이 API 신규.zip differ