Ua hoʻomaka anei ʻoe i kāu hale kūʻai e-commerce, akā e noʻonoʻo nei i ka puka uku e koho ai?
I kēia mau manawa o ka digitalization a me ka ulu mau ʻana o nā hale kūʻai E-commerce, pono e ʻae nā hui hou i nā ʻenehana a me nā kaʻina hana hou. ʻO ka mea koʻikoʻi loa o kēlā me kēia ʻoihana E-commerce ka mālama ʻana i kāu mau uku, no laila ʻo ke koho ʻana i ka mea hāʻawi ʻīpuka uku kūpono ka mea nui i ka holomua.
Me nā haneli o nā hoʻonā uku e hoʻomaka ana i kēlā me kēia makahiki, e hāʻawi ana i nā koho uku like ʻole, hiki iā ʻoe ke nīnau iā ʻoe iho ʻo ia ke koho maikaʻi loa no kāu ʻoihana.
He aha nā puka uku?
Hāʻawi ka ʻīpuka uku i kahi ala pilikia ʻole o ka uku ʻana ma ka pūnaewele, e hana ana ma ke ʻano he alahaka ma waena o ka pūnaewele o ka mea kūʻai aku a i ʻole ka noi kelepona a me ka panakō. Me hoʻokahi kaomi wale nō, hiki iā ʻoe ke uku palekana no kahi mea a i ʻole lawelawe me ka ʻole o nā hana hou.
I ka manawa e uku ai, hoʻouna ka pūnaewele o ka mea kūʻai aku i kāu ʻike hōʻaiʻē/kāleka hōʻaiʻē i kahi ʻīpuka uku no ka ʻae ʻana. Ma hope o ka hōʻoia ʻana i nā kikoʻī āpau me kāu panakō, hoʻomaʻamaʻa ka ʻīpuka uku i kahi hoʻoili maʻalahi mai kāu moʻokāki i kā lākou - maʻalahi a palekana!
Wahi a Statista, Manaʻo ʻia e hoʻonui ʻia ka ʻāpana Uku Kikohoʻe o India ma kahi helu kupaianaha o 14.16% CAGR mai 2023-2027, me ka huina o ka huina kālā o US $ 160.60bn i 2023 a me ka huina o US $ 272.80bn ma ka hopena o 2027!
Pono kēia hoʻololi ulu ʻana i nā ʻoihana e koho wale i nā ʻīpuka uku maikaʻi loa no nā kālepa palekana a me ka lanakila kiʻekiʻe.
Me kēia i ka noʻonoʻo, e nānā kākou i nā ʻīpuka uku maikaʻi loa 12 ma India āu e koho ai:
CCAvenue
Hāʻawi ʻo CCAvenue i nā hana maʻalahi, e hoʻomaka ana kāu ʻoihana i hoʻokahi hola wale nō!
Hoʻokumu ʻia e Vishal Metha ma 2007, ʻo Infibean ka hui makua me kona keʻena nui ma Mumbai. Ua hōʻike ʻia ʻo 85% o nā mea kālepa India e hoʻohana nei iā CCAvenue - e hōʻike ana i ka kūleʻa o kēia ʻīpuka!
No nā makahiki he ʻumi, aia ʻo CCAvenue i mua o nā kālepa eCommerce ma India, e hāʻawi ana i ka ʻoluʻolu a me ka palekana. Me kā lākou ʻīpuka uku, loaʻa iā ʻoe ma mua o 100 mau ʻano like ʻole e like me nā kāleka hōʻaiʻē, nā kāleka hōʻaiʻē, nā waihona waihona pūnaewele, nā wallets digital, a me EMI, me ke koho e uku i nā kālā he nui me nā kālā US, GBP, a me India Rupees.
helehelena:
- Ka hana ʻana ma 27 mau kālā nui like ʻole.
- Hoʻokomo ʻia nā ʻōlelo India ʻokoʻa he 18 ma ka ʻaoʻao hoʻopaʻa ʻōlelo lehulehu.
- E ʻae i nā uku me ka hōʻoia ʻole ʻo PCI DSS
- E ʻae i nā uku ma kāu polokalamu iOS, Android a i ʻole Windows
- 200+ mau ala uku, me nā koho EMI
Kālepa Hana:
- 2% no nā hana kūloko a pau me ka hoʻohana ʻana i nā kāleka hōʻaiʻē/debit, wallets digital, net banking, a me UPI
- No nā kāleka hōʻaiʻē a me nā kāleka hōʻaiʻē haole, ʻo 4.99% ka uku.
- 3% no nā ʻoihana kūloko a me nā kāleka hōʻaiʻē hui
- 4% no nā kāleka Diners Club, American Express, a me Amex EMI
ʻO Instamojo kahi kahua SME ʻokiʻoki e hāʻawi i nā ʻoihana India i nā mea āpau e pono ai lākou e holo i kā lākou ʻoihana ma ka pūnaewele, me kahi hale kūʻai holoʻokoʻa, nā hoʻonā uku hoʻohui, a me nā mea kūʻai ikaika.
Me ke kākoʻo o Instamojo, ʻoi aku ma mua o 15 lakh ʻoihana kūʻokoʻa i hoʻokumu i nā hana e-commerce ikaika me ka maʻalahi ʻole. ʻO kēia ʻīpuka uku ka hopena kūpono loa no ka hōʻiliʻili ʻana i ke kālā mai nā kālepa ʻana ma nā pūnaewele media e like me Facebook, WhatsApp, a me Instagram. Eia kekahi, hiki i nā mea kālepa ke hōʻiliʻili i kā lākou mau bila ma o ka SMS a i ʻole leka uila!
helehelena:
- He manuahi ka unuhi
- Hoʻopau kāu waihona kālā i 3 lā
- Kākoʻo iā Magento, PrestaShop, OpenCart, a me nā ʻoihana eCommerce nui ʻē aʻe
- Aia kahi noi uku no nā kelepona Android e hōʻiliʻili a nānā i nā uku
Kālepa Hana:
- Ka uku mālama makahiki: ZERO
- Uku hana: 2% + Rs 3 no ka hana
Uku Uku
Me PayU, loaʻa iā ʻoe ka mana e hoʻopilikino piha i kāu uku kikohoʻe!
He mea maʻalahi ka hoʻonohonoho ʻana a hoʻohana me ka OTP maoli a me nā koho uku kaomi hoʻokahi no ka hana hou ʻana, me ka hoʻihoʻi koke ʻana no kāu mau mea kūʻai aku no laila ʻaʻole lākou e nalowale. Eia hou, hiki iā ʻoe ke mālama i kēlā me kēia kālepa mea kūʻai aku i kahi ʻōwili maʻemaʻe ma kāu pūnaewele!
helehelena:
- ʻAe ʻia nā kāleka hōʻaiʻē/debit, ka waihona kālā, UPI, nā ʻeke, nā EMI, a me nā mea hou aku e Payu
- ʻAe ʻo ia i nā uku honua a kākoʻo i nā kālā he nui
- Hoʻopili maʻalahi ka polokalamu me nā paepae uku maʻalahi
- Hiki ke hoʻopilikino brand
Kālepa Hana:
- Zero ka uku mālama makahiki
- Loaʻa i nā American Express a me nā Kāleka Diners ka uku kālepa o 2% a me GST no kēlā me kēia kālepa
- Aia he 3% uku a me ke GST ma nā kālepa haole a me nā koho uku EMI
Paytm Payment Gateway
Hāʻawi ʻo Paytm Payment Gateway i kahi hopena paʻa a paʻa i ka PCI e kōkua i ka hoʻolilo ʻana i nā hana wikiwiki uila me ke kumu kūʻai ʻole no ka hoʻonohonoho a mālama ʻana paha. ʻAʻole wale kēia ʻīpuka e ʻae i nā kāleka hōʻaiʻē/debit, akā pū kekahi me nā koho uku uku kālā, UPI, a me Paytm!
Ua lilo ʻo Paytm i mea koʻikoʻi i ke ola o nā poʻe ma India, mai nā mea kūʻai liʻiliʻi a hiki i ka lehulehu. Me ka ʻenehana hoʻopunipuni SSL i hōʻoia ʻia e Verisign, ua hoʻololi ʻo Paytm i nā uku pūnaewele ma o ka hoʻolako ʻana i ka palekana a me ka hilinaʻi ʻole.
hiʻona:
- Hoʻomaka koke
- Hoʻohui maʻalahi o 100+ kumu o ka uku
- ʻOi aku ka maikaʻi ma ka papa
- ʻO kekahi o nā hale kūʻai kaulana loa o India
- Kokua hoʻolaʻa
Kālepa Hana:
- Kūʻai UPI: 0% (Maʻamau) a me Rs. 5 a i 65 no kēlā me kēia kauoha (Kau inoa)
- Uku Uku: 1.99%
- Kāleka Debit (Mastercard a me Visa): 0.4 a 0.9%
- Kāleka hōʻaiʻē Rupay: 0%
- Ka waihona kālā: 1.9 %
- PG o ka honua: 2.9%
ICICI Payseal
Hāʻawi ʻo ICICI Bank's ICICI Payseal i kahi ʻenehana paʻa a me ka hoʻonā panakō no nā koi uku e-Commerce ma ka pūnaewele.
He maʻalahi, maʻalahi hiki ke hoʻopili ʻia, a hiki ke hoʻohui ʻia i kāu paepae e kū nei i ka manawa. E hoʻohana i kā lākou ʻīpuka uku manawa maoli ma ka ʻōnaehana uku pūnaewele hilinaʻi no laila ʻaʻole ʻoe e poina i ke kūʻai aku ma muli o nā pilikia ʻenehana.
helehelena:
- E ʻae i nā uku ʻaiʻē, ʻaiʻē, UPI, Bharat QR, EMI, a me Dynamic Currency Conversion (DCC) me ka maʻalahi.
- ʻO ka Android POS smart uku a me ka ʻoihana hoʻokele ʻoihana e mālama i nā mea āpau mai ka ʻae ʻana i nā uku a hiki i ka nānā ʻana i nā kūʻai aku a me nā waihona.
- ʻO ka pahu GPRS māmā a me ka lawe lima e ʻae i nā uku he nui ma ka hele a hoʻololi i ke kālā ma ka lawe ʻana me kahi kāleka ma ka lawe ʻana.
Kālepa Hana:
- No ka ID Merchant hoʻokahi, nā kumukūʻai hoʻohui Rs.50,000 me ka ʻauhau lawelawe ʻole e hoʻihoʻi ʻia.
- ʻO nā MID hou he Rs.10,000
- Hoʻolimalima lākou i nā kālepa VISA / Master Card 3.00% + ʻauhau lawelawe no nā uku IMS, a me nā kālepa kāleka haole 4.00% + ʻauhau lawelawe.
- ʻO ka uku hoʻolimalima makahiki he Rs.12,000 a ʻo ke kumukūʻai kūʻai ma lalo o Rs.36 Lacs.
PayKun
ʻO PayKun kekahi o nā papa uku uku maikaʻi loa no nā ʻoihana, SMEs, NGOs a me nā hōʻailona e-Commerce. Kākoʻo kāna pūnaewele kelepona paʻa i nā kālepa QR a me nā ʻano hana ʻē aʻe - ʻoi aku ka maʻalahi o ka hoʻihoʻi ʻana me hoʻokahi kaomi.
Loaʻa ʻia nā koho downtime uku ʻole me nā uku inoa inoa i nā mea kūʻai aku, no laila e hāʻawi iā lākou i ka mana o kā lākou kālā.
helehelena:
- ʻAʻohe pepa, maʻalahi, a wikiwiki hoʻi ke kaʻina hana hoʻokele
- Hoʻohui maʻalahi a me ke kumu kūʻai ʻole me kāu pūnaewele a i ʻole noi
- Kūlike me ka PCI DSS v3.2.1 Papa 1 (Payment Card Industry Data Security Standard)
- Hāʻawi i nā kumu kūʻai maʻalahi a ʻoi aku ma mua o 120 mau koho uku
- Kaʻina hoʻihoʻi maʻalahi no nā mea kūʻai aku me hoʻokahi kaomi
Kālepa Hana:
- No nā hana kūloko, 1.75% a me kekahi GST pili.
EaseBuzz
Hiki iā ʻoe ke hoʻololi maʻalahi i ke kaʻina hana no kāu mea kūʻai aku me Easebuzz!
Hāʻawi ia iā ʻoe e ʻae i nā uku mai nā kumu like ʻole e like me nā kāleka hōʻaiʻē, nā kāleka hōʻaiʻē, nā koho waihona ʻupena, nā ʻeke kelepona UPI, Simpl, a me Ola postpaid ma kekahi mea me ka palekana. E hoʻohana pono i kāna paepae e-commerce kūpono a hilinaʻi hoʻi ma ka hoʻohui maʻalahi iā ia i kāu pūnaewele o kēia manawa.
helehelena:
- Kāohi i ka hoʻopunipuni a me ka hoʻihoʻi ʻana
- ʻO ka hoʻohui ʻana i kahi ʻīpuka uku me kāu pūnaewele e-commerce e wikiwiki i ka hana uku
- E hoʻopololei i ka hoʻoili ʻana i ka uku pūnaewele me ka wikiwiki a me ka maʻalahi
- Mālama i nā mea kālepa a me nā mea kūʻai aku ma ka hoʻopili ʻana i nā hana āpau
- 24/7 kūʻai a me ka hana uku
Kālepa Hana:
- 4 rupee no nā hana a hiki i 1000.
- ʻO kēlā me kēia pāʻoihana he 5 Rupees no nā huina ma waena o 1000 a me 25000.
- ʻO nā uku no nā hana i ʻoi aku ma mua o Rs. ʻO 25,000 he 9 Rupees kēlā me kēia.
BillDesk
ʻO Bill Desk ka hopena kūpono no kāu mau uku uku i kēlā me kēia lā.
Ma ke ʻano he Bharat Bill Payment Operating Unit i hilinaʻi ʻia, nona ka aupuni o India, hāʻawi ia i kahi ʻīpuka palekana a paʻa e uku ai i nā bila o nā ʻano like ʻole e like me nā bila kelepona, nā bila kinoea, nā uku inikua, nā uku lawelawe pūnaewele (ISP), nā kāleka hōʻaiʻē. nā uku, a ʻoi aku ka nui me kāna mau lawelawe panakō nui!
hiʻona:
- Hiki i nā mea kūʻai ke hana i nā uku kaomi wikiwiki me ka ʻole e komo i kahi polokalamu a i ʻole pūnaewele
- 170+ mau ala uku - Pau i ka loulou hoʻokahi
- E hoʻopaʻa i nā kālepa ma o ka hoʻohana ʻana i ka ʻōlelo huna hoʻokahi manawa
- E hana i nā loulou uku, hoʻouna i nā leka hoʻomaopopo, a nānā i kāu mau hōʻiliʻili i ka manawa maoli me ka hoʻohana ʻana i ka maʻalahi a me ka intuitive interface
Kālepa Hana:
- 10 a 50 rupee no kēlā me kēia kālepa me ka ʻauhau lawelawe
PayPal
ʻO PayPal kahi ʻīpuka uku honua me ka ʻoi aku o 377 miliona mau moʻokāki i hoʻopaʻa inoa ʻia ma mua o 200 mau ʻāina.
Inā makemake ʻoe e ʻae i nā uku mai nā mea kūʻai aku ma ka honua holoʻokoʻa, pono ʻo PayPal kāu helu helu hoʻokahi i ke koho ʻana i kahi puka uku no kāu hale kūʻai E-commerce. ʻO kāna mau hana maʻalahi a hilinaʻi hoʻi e hoʻolilo iā PayPal i kahi koho kūpono i hiki ʻole i nā mea lawelawe ʻē aʻe ke hoʻohālikelike.
ʻAe ʻo PayPal i nā mea kūʻai aku e hoʻohui me kā lākou kahua a ʻae i nā uku i nā kālā he nui. He mea maʻalahi kēia i nā mea kūʻai honua e kūʻai mai kāu hale kūʻai me ka hopohopo ʻole e pili ana i ke kumukūʻai i ka wā e hoʻololi ai i kā lākou kālā. Eia kekahi, ʻo nā ʻōnaehana pale hoʻopunipuni a PayPal ka mea kiʻekiʻe o ka laina a hiki ke kōkua i ka mālama ʻana i kāu hale kūʻai mai nā hana hoʻopunipuni.
helehelena:
- E ʻae i 100+ kālā.
- Loaʻa iā 400+ miliona mau mea hoʻohana a 20+ mau makahiki o ka ʻike.
- ʻO ka hoʻonohonoho ʻoihana ʻo PayPal e ʻae iā ʻoe e hoʻomohala me ka pilikia ʻole o ka puka.
- Hoʻohana i ka 128-bit SLL encryption no ka palekana.
- Zero ka uku mālama makahiki.
- Loaʻa ka polokalamu PayPal no iOS a me Android SDK.
- ʻAe ʻia nā kālepa QR code.
Kālepa Hana:
- 5%+3 INR no kēlā me kēia hana
ʻO Razorpay
Hoʻokumu ʻia ma 2013 e Shashank Kumar a me Harshil Mathur, ʻo Razorpay kahi hui fintech India e hāʻawi ana i nā hoʻonā uku piha i nā mea kūʻai aku, nā mea kūʻai aku eCommerce, a me nā mea kālepa. Hoʻomaʻamaʻa kēia ʻōnaehana i ke kaʻina uku holoʻokoʻa mai ka hoʻomaka a hiki i ka pau.
E hoʻomaka i kāu ʻoihana a holo i loko o nā minuke me ka hoʻonohonoho hoʻoikaika ʻole o ka ʻīpuka uku ʻo Razorpay! ʻAe ʻo Razorpay iā ʻoe e ʻae i ka uku o nā mea kūʻai aku ma o nā koho he nui, e like me nā puka uku, nā loulou, nā ʻaoʻao, SmartCollect, a me nā kau inoa.
Eia kekahi, kū ʻo Razorpay no kāna hana wikiwiki a me ka hoʻohui maʻalahi. Me ke kōkua o kēia ʻīpuka, hiki i nā mea hoʻohana ke komo i kahi Dashboard e hiki ai iā lākou ke nānā i ka ʻikepili kūʻai manawa maoli. No laila, ʻo nā mea a pau, mai ka poʻe manuahi a me nā poʻe hana pilikino a hiki i nā hui nui, ua pōmaikaʻi mai nā hiʻohiʻona palekana o Razorpay a me kona maʻalahi o ka hoʻohana.
helehelena:
- Hoʻohui maʻalahi me nā SDK i kākau ʻia, RESTful API a me nā plugins
- Kākoʻo no nā kālā 92
- Hoʻololi kālā i ka manawa maoli
- 100+ mau ʻano uku
- ʻO ka ʻike kiʻekiʻe i ka wā kūʻai
- Hoʻoholo uku koke
- Hōʻike a me ka nānā ʻana
Kālepa Hana:
- 2% ma nā kāleka hōʻaiʻē India, ka waihona kālā, UPI
- 3% ma nā Diners a me nā Kāleka Amex, Nā Kāleka International, EMI (Kāleka Hōʻaiʻē, Kāleka Debit & Kāleka ʻole) a me nā Kāleka ʻaiʻē Hui (ʻOihana)
Uku Kaʻa ʻole
ʻO ka Cashfree Payments kahi ʻīpuka uku mua a me ka waihona uku API i hoʻokumu ʻia ma Bangalore i hoʻomaʻamaʻa i ka kūleʻa o nā mea kālepa 100,000+.
Hoʻokumu ʻia e Reeju Datta lāua ʻo Akash Sinha i ka makahiki 2015, hāʻawi ʻo Cashfree i nā ʻoluʻolu uku ma ka pūnaewele no nā ʻoihana nui a liʻiliʻi e hōʻoia i ka palekana kālā. Loaʻa i kēia ʻīpuka uku kahi hopena i kapa ʻia ʻo "Cashgram." Me Cashgram, hiki i nā ʻoihana ke hōʻiliʻili wikiwiki a palekana i nā uku ma ka hoʻouna ʻana i kā lākou mea hoʻohana i kahi loulou pūnaewele.
helehelena:
- 120+ koho uku
- Hoʻihoʻi koke me ka hoʻihoʻi kauoha COD
- ʻAʻohe uku hoʻonohonoho
- Hoʻohui pūnaewele maʻalahi me RESTful API a me JavaScript SDK
- E ʻae i nā kāleka, ʻoi aku ma mua o 75 mau mea ʻokoʻa waihona kālā, nā wallets mobile, UPI, NEFT, IMPS, a me PayPal.
- Kākoʻo ma mua o 32 kālā
Kālepa Hana:
- He 1.75% ke kumukūʻai o ka waihona kālā, hōʻaiʻē, a me nā kāleka hōʻaiʻē ma mua o 70 mau panakō.
- Kāleka ʻole a Uku Mahope: 2.5% no ke kālepa no EMI
- 3.5% a me 7 INR no kēlā me kēia kālepa kāleka hōʻaiʻē honua
HDFC Uku Uku
ʻO ka HDFC Bank Payment gateway he mea maʻalahi ia i nā mea kūʻai aku e uku i kā lākou mau bila ma o ka waihona waihona pūnaewele.
Hāʻawi kāna lawelawe API i kahi ala maʻalahi o ka ʻae ʻana i nā kālepa kāleka hōʻaiʻē pololei mai kāu mau mea kūʻai aku a hoʻohui pū me nā kahua e-commerce kaulana e like me WooCommerce a me Shopify.
Me kāna mea hoʻohana ultra-friendly interface a me ka ʻenehana ʻokiʻoki, ʻo HDFC Payment Gateway ka hopena kūpono loa no kāu mau koi uku pūnaewele.
helehelena:
- Maʻalahi e hoʻohui i 100+ mau koho uku
- 24-hola lawelawe mea kūʻai aku
- Kaʻai wikiwiki
- Hoʻopaʻa paʻa i ke kahua kālepa pūnaewele
- ʻO ka moʻokāki HDFC wale nō ka loaʻa ʻana o ka uku, e lawe ana i hoʻokahi lā.
Kālepa Hana:
- ʻO nā kumukūʻai hoʻonohonoho INR 20,000 + ʻauhau lawelawe (kahi manawa hoʻokahi a ʻaʻole hoʻihoʻi ʻia)
- He 3%-10% ke kumukūʻai o nā kālepa kāleka hōʻaiʻē/debit + ʻauhau lawelawe
- Nā koina mālama makahiki Rs.10,000
Panina
He hilinaʻi, palekana, a maʻalahi hoʻi nā ʻoihana e ʻae i nā uku ma ka pūnaewele.
ʻOkoʻa nā hiʻohiʻona, nā uku, a me ka maʻalahi o ka hoʻohana ʻana, no laila e koho i ka mea kūpono i kāu pono ʻoihana. Me kahi ʻīpuka uku paʻa i kau ʻia, hiki iā ʻoe ke hoʻomaka e ʻae i nā uku me ka hilinaʻi a me ka maʻalahi.
E nānā pono i kēlā me kēia koho ma mua o ka hoʻoholo ʻana!
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