ʻO ka holomua hou loa ma ka mākeke i kēia manawa ke neʻe nei ʻo India i ka digitalization o ka kaiaola uku pūnaewele ʻo ia nā noi e hiki ai i nā mea hoʻohana ke kūʻai aku i kēia lā a uku no lākou i ka lā ʻapōpō.
Hiki i kēia mau polokalamu ke kūʻai aku i nā mea a me nā lawelawe mai nā mea kūʻai aku a hana i nā uku no lākou ma hope, e like me ka inoa.
TʻO ka pane kūpono i kēia mau pilikia, ʻo ia ka hoʻohana ʻana i nā noi Pay Later, e hāʻawi paʻa a maʻalahi i nā mea kūʻai aku i kahi laina o ka hōʻaiʻē me ka uku ʻole.
Loaʻa i nā mea ʻokoʻa uku e hāʻawi i ka laina o ka hōʻaiʻē i nā mea kūʻai aku i kekahi mau palena ʻokoʻa, e like me ke komo ʻana i kāu waihona kālā i mea e hoʻopau ai i kēlā me kēia kālepa a me ka hāʻawi ʻana i nā ʻikepili e like me nā kikoʻī panakō, PIN, a me nā mea ʻē aʻe i mea e hoʻopau pono ai i ke kālepa.
Ma kēia ʻāpana, e nānā pono mākou i ke ʻano uku uku ma hope o ka UPI a me nā mea kūʻai aku e hāʻawi iā lākou i kā lākou mea kūʻai.
He aha ka uku-ma hope?
ʻO PayLater kahi manaʻo e hiki ai i nā mea kūʻai ke kūʻai aku a uku iā lākou ma hope. Hoʻohālikelike ʻia ka manaʻo me ka a uku kālekaakā naʻe, ʻaʻohe kāleka hōʻaiʻē maoli.
Hiki ke hoʻopau wale ʻia kahi hana a hoʻopaʻa ʻia ka nui ma ka hopena o ka pōʻai hōʻaiʻē, ʻo ia ka 14 mau lā lōʻihi.
Ke hoʻohālikelike ʻia me kahi kāleka hōʻaiʻē, ʻike pinepine ʻia ke ʻano PayLater ʻoi aku ka palekana a ʻoi aku ka maʻalahi no ka mea ʻaʻohe ʻike koʻikoʻi e like me nā helu kāleka hōʻaiʻē a me nā kikoʻī moʻokāki.
Ke ulu nei ka mākeke no nā noi PayLater i ka helu exponential, nui nā hale kūʻai i hoʻokomo iā lākou ma ke ʻano he koho uku.
ʻO nā polokalamu UPI maikaʻi loa ma India
1. Bank Bank ICICI
ʻO ICICI ka panakō mua ma India e hāʻawi i nā mea kūʻai aku i nā koho ma hope. Aia ka palena ʻaiʻē o ICICI mai INR 5,000 a 20,000, ma muli o ka loaʻa kālā a me ka pono o ka mea kūʻai aku.
No ka uku ʻana i kā lākou mau bila i ka manawa, hiki i ka poʻe ke hoʻopili maʻalahi i kā lākou waihona kālā i ka lawelawe uku ma hope a koho i kahi koho hōʻaiʻē auto.
hiʻona
- ʻO nā mea kūʻai aku ʻo ICICI Bank i kēia manawa ke kūpono.
- ʻAi ʻaiʻē a hiki i 45 lā
- E uku i nā bila, e uku i nā mea kālepa, a i ʻole ke kūʻai aku me kahi ID UPI.
- Hiki ke kiʻi ʻia ma o ka polokalamu kelepona, waihona kālā pūnaewele, a me ICICI Pockets.
2. LazyPay
ʻO LazyPay kekahi o nā mea kūʻai kaulana loa o India i kēia manawa, e uku i nā koho ʻē aʻe. Me kahi kaʻina hana KYC pepa ʻole, hāʻawi ia i kahi laina hōʻaiʻē wikiwiki.
Hiki iā ʻoe ke nānā a uku a hoʻohana paha i kāu UPI ID e hana me nā ʻoihana āpau e ʻae ana i ka UPI. ʻO nā mea kūʻai aku ma waho a me nā lawelawe pūnaewele e like me Ola, Uber, Flipkart, Myntra, Zomato, Swiggy, Bookmyshow, a me nā mea ʻē aʻe e ʻae i ka uku.
Inā ʻoi aku kāu kālepa ma mua o ₹10,000, hiki iā ʻoe ke hoʻololi iā Easy EMI e pili ana i nā koho i loaʻa. Hāʻawi ka app i kahi manawa ukupanee 15-lā a laila pono ʻoe e uku a hoʻopaʻa i ka moʻokāki (ma ka lā 3 a me 18 o kēlā me kēia mahina).
Hiki iā ʻoe ke uku maʻamau a lima lima paha me ka hoʻohana ʻana i ka UPI, ka waihona kālā pūnaewele, a i ʻole a kāleka kāleka.
helehelena:
- E hoʻohana iā UPI e nānā a uku
- Ka palena ʻaiʻē kiʻekiʻe o ₹100,000
- ʻO ka manawa 15-lā o ka uku pane ʻole
- Nā uku kūʻai maʻamau ma nā hale kūʻai
- E uku ma nā hale kūʻai pūnaewele e like me Flipkart, Zomato, a me Swiggy.
3. ʻO Jupiter Edge
ʻO Jupiter Edge kahi app UPI i hoʻopaʻa ʻia ma hope o ka waihona kālā Neo. Hāʻawi ia i ₹10,000 i ka hōʻaiʻē no nā uku UPI me ka uku ʻole. Hiki ke hoʻohana ʻia kēia palena ʻaiʻē no ka uku ʻana i nā hale kūʻai kūʻai pūnaewele a me waho e ʻae i nā uku UPI.
Hiki iā ʻoe ke hoʻohana i ka app e hoʻolilo kālā ma nā noi e like me Swiggy, Zomato, Amazon, Myntra, Bigbasket, a me nā mea ʻē aʻe.
Hiki iā ʻoe ke uku i nā bila i-app. Hoʻopili kēia i ka hoʻouka hou ʻana o ke kelepona, ka mana, ka wai, a me nā bila kinoea, a me nā mea ʻē aʻe.
I kēlā me kēia mahina, ma ka lā 15 a me ka lā hope o ka mahina, hana ʻia kahi bila. Ma hope o ka hana ʻia ʻana o ka bila, loaʻa iā ʻoe ʻelima mau lā e uku ai.
hiʻona
- 15 mau lā no ka uku ukupanee
- Loaʻa i ka palena ʻaiʻē a hiki i ₹10,000.
- E uku ma ka pūnaewele me ka hoʻohana ʻana i nā noi e like me Swiggy, Zomato, a me Amazon.
- E uku i kāu pila kelepona a me nā pili pono ʻē aʻe.
4. Paytm Postpaid
ʻO Paytm kekahi o nā noi uku kaulana loa o India. ʻO Paytm Postpaid kahi koho uku-ma hope a Paytm e hāʻawi i kāna mau mea kūʻai ikaika.
Hiki iā ʻoe ke hoʻohana i ka lawelawe Postpaid e uku no nā lawelawe kūpono a i ʻole nā mea kālepa hoa. Ke loaʻa ka Postpaid, e hōʻike ʻia ma nā koho uku.
Hoʻokomo ʻia nā uku hou, nā uku bila, nā hale kūʻai ʻo Paytm Mall, a me nā mea kālepa ʻē aʻe a puni ʻo India. ʻO Paytm ke kahua kaulana loa ma India no ka hoʻoili kālā, nā uku BHIM UPI, recharges, a me nā uku pūnaewele ʻē aʻe.
I kēlā me kēia mahina, hana ʻia kahi bila. Hoʻoholo ʻia kāu palena hoʻolimalima Postpaid e kāu mōʻaukala kālepa, pili Paytm, a me ka mōʻaukala aie.
hiʻona
- A hiki i ₹60,000 ka palena kiʻekiʻe.
- E uku ma nā hale kūʻai Paytm a me nā hoa pili pūnaewele
- He mea kōkua i ka hoʻomohala ʻana i a uku manual.
- E uku i kāu mau bila a kūʻai paha ma Paytm Mall.
- ʻO ka manawa 30-lā o ka uku pane ʻole
5. MobiKwik Zip
Hiki ke hoʻoili ʻia ke kālā mai MobiKwik ZIP i nā panakō a hoʻohana ʻia e uku i nā bila, kūʻai i nā mea ma waho a me ka pūnaewele, kūʻai i nā tiketi kaʻaahi, a pēlā aku.
I loko o kahi pōʻai kālā, hiki i nā mea kākau ke loaʻa i kahi hōʻaiʻē a hiki i INR 60,000 me ka uku ʻole. Inā ʻoi aku ka nui o ka pōʻai kālā, ʻae ʻia ka hui e kau i ka ukupanee ma ka laina ʻaiʻē. He 21 mau lā ka pōʻai kālā.
Loaʻa i ka portal nā uku a me nā kuʻikahi e hoʻololi maʻamau i kēlā me kēia lā, e ʻae iā ʻoe e loaʻa ke kālā hou i ka uku manawa a me nā mea hou aku.
Hiki iā ʻoe ke hoʻohana i ka paepae a i ʻole nā lawelawe ʻē aʻe e like me ka hoʻoili panakō, hoʻihoʻi hou a uku i nā bila, a pēlā aku.
hiʻona
- Loaʻa kekahi mau koho uku, me nā kāleka hōʻaiʻē, nā kāleka hōʻaiʻē, nā wallets mobile, UPI, a me ka waihona kālā pūnaewele.
- Pono ka uku kau inoa o INR 99.
- ʻO ka hoʻoili ʻana i ka ʻeke kālā i nā panakō e ʻauhau ʻia ma 3.95% + GST.
Panina
ʻO ka manaʻo ma hope o ke kūʻai ʻana i kēia manawa, a me ka uku ʻana ma hope, hiki i nā mea kūʻai ke loaʻa i nā mea e pono ai lākou i kēia manawa ʻoiai e loaʻa hou ana ka manawa e uku ai. Inā ʻaʻole hiki iā ʻoe a ʻaʻole makemake paha e uku no kekahi mea i ka manawa hoʻokahi, kūʻai mai i kēia manawa, e uku ma hope paha ke hoʻolilo kālā.
ʻO kēia mau hōʻaiʻē e hoʻolōʻihi i kāu hōʻaiʻē me ka hoʻokau ʻole ʻana i nā uku ukupanee kiʻekiʻe, akā me kahi hoʻolālā uku, no laila ʻaʻole ʻoe e hoʻopau i kahi puʻu o ka ʻaiʻē mau.
Eia naʻe, e noʻonoʻo inā hiki ke uku ʻia nā uku a me nā hoʻopaʻi āu e kū ai inā ʻaʻole hiki iā ʻoe ke uku. E heluhelu i ka paʻi liʻiliʻi ma ke kūʻai ʻana i kēia manawa, e uku i ke kālā ma hope me ke akahele no laila e ʻike pono ʻoe i nā ʻōlelo āu e hoʻohiki nei.
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