Kodi mukudwala chifukwa chosamasuka mukanyamula ndalama zambiri?
Tsopano ndizosavuta kuposa kale kuti ndalama zanu zikhale zotetezeka komanso zotetezeka pomwe mumalandiranso mphotho zamtengo wapatali chifukwa chakukula kwa ma wallet a digito ku India.
Kuti tikuthandizeni kuchulukitsira ndalama zanu, tiwona ma wallet 9 apamwamba obwezera ndalama ku India positiyi. Kuchokera ku Paytm kupita ku PhonePe, takuthandizani.
Ma wallet a digito amapereka mphotho ndi kuchotsera pazogula, monga kugula ndi mabilu, kuwonjezera pa kulipira ndi kusamutsa ndalama. Chifukwa chake, ma wallet awa a digito akuthandizani sungani ndalama ndikusintha moyo wanu kaya ndinu wophunzira, wamalonda, kapena wokonza nyumba. Kodi mukusungabe chiyani?
Tiyeni tiyambe ndikupeza chikwama cha digito choyenera kwa inu.
1. phonepe
PhonePe ndi kampani yolipira pa digito yomwe yatchuka kwambiri ku India chifukwa chodzipereka kuchita bwino komanso luso laukadaulo. Yakhazikitsidwa mu December 2015 ndipo ili ku Singapore, PhonePe yakonza zochitika zoposa 2 biliyoni ndipo yapatsidwa mphoto ya 'Excellence in Insurance'.
Yakhala mtsogoleri wamsika mu malo olipira digito ku India ndipo amadziwika ndi mawonekedwe ake osavuta kugwiritsa ntchito komanso mawonekedwe osiyanasiyana. Kaya ndi yotumiza ndalama kapena inshuwaransi, PhonePe ndi chisankho chodziwika pakati pa makasitomala aku India chifukwa chodalirika komanso chitetezo.
Dongosolo La Mphoto
- PhonePe amapereka mphoto kwa ogwiritsa ntchito m'njira zitatu
- Cashback:- Bweretsani ndalama kudzera pamakadi oyambira mukalipira pa pulogalamu ya PhonePe, yomwe ingagwiritsidwe ntchito kubweza ndalama zamtsogolo pa pulogalamuyi.
- umafuna: - Landirani zotsatsa zanu malinga ndi momwe mumagwiritsidwira ntchito ndi zomwe mukuchita, zomwe zitha kutsegulidwa mugawo la mphotho ndikuziyika pazolipira zanu.
- Makuponi:- Pezani zabwino za makuponi apadera mukamagwiritsa ntchito pulogalamu ya PhonePe's switchch, kapena pulogalamu yamalonda/tsamba lawebusayiti, lomwe lingathe kuwomboledwa kuti mudzalipirire mtsogolo
2. Malipiro TM
Paytm, yokhazikitsidwa ndi Vijay Shekhar Sharma, ndi mpainiya ku India yolipira ndalama za digito, atayambitsa kusintha kwa digito ku India. Ndi likulu lake lomwe lili ku Noida, kampaniyo yakula kukhala imodzi mwama wallet omwe amagwiritsidwa ntchito kwambiri ku India.
Pulogalamu ya Paytm imachita chilichonse chokhudza digito, monga kulipira mabilu, kulipiritsa, kutumiza ndalama, ndikusungitsa makanema ndi matikiti. Ntchito zake zosiyanasiyana zapangitsa kuti amwenye opitilira 300 miliyoni azigwiritsa ntchito kulipira m'masitolo awo am'deralo. Paytm yathandizanso amalonda ndi mabizinesi opitilira 20 miliyoni, zomwe zimapangitsa kuti ikhale imodzi mwamasewera otchuka kwambiri pamsika.
Dongosolo La Mphoto
- Pezani ndalama zobweza pobweza pobweza ngongole pa pulogalamu ya Paytm
- Ombolani mfundo zanu za ma voucha amphatso ndi makhadi amphatso kuchokera kwa ogulitsa otchuka monga Myntra ndi Flipkart
- Tengani mwayi pazamalonda ndi kuchotsera pazolembetsa zantchito ngati Zomato Pro ndi Sony Liv
- Pindulani ndi zotsatsa zanthawi yochepa pazinthu zotsitsidwa kwambiri kudzera mu Paytm's Hot Deals
- Sangalalani ndi zotsatsa zapadera zamagawo a Bizinesi a Paytm, monga DTH Recharge, Kusungitsa Mabasi/Ndege, ndi FASTag
- Sewerani masewera pa Paytm First Games ndikupeza mphotho zosangalatsa.
- Mutha kusinthanso mfundozi kukhala ndalama zenizeni, zomwe zimayikidwa pachikwama chanu cha Paytm.
3. AmazonPay
Kuchita bwino kwa AmazonPay ku India ndi chifukwa chakuphweka, chitetezo, komanso kusavuta. Kuyamba kwa Amazon ku India kumatanthauza kuti ogwiritsa ntchito amatha kugwiritsa ntchito akaunti yawo ya Amazon pogula mabizinesi ndi nsanja. Yankho limathandizira njira yolipira pochotsa kufunikira kwamakasitomala kuti azilowetsa zambiri zaumwini kapena zachuma.
AmazonPay imapangitsa kuti zikhale zosavuta komanso zotetezeka kuti ogula agwiritse ntchito malipiro a digito, zomwe zapangitsa kuti azichita nawo msika wa India. Kuphatikiza apo, kampaniyo yathandizana ndi ogulitsa ambiri ndi nsanja kuti apatse mamembala ake mphotho ndi kuchotsera.
Dongosolo La Mphoto
- Pezani mwayi wopambana makhadi nthawi iliyonse mukalipira kapena kugula
- Pambananinso mphotho zambiri potumiza ndalama kwa anzanu ndi abale anu
- Landirani zotsatsa zanu komanso zowonetsedwa ndikubweza ndalama pazinthu zosiyanasiyana kuphatikiza zida, zamagetsi, mabuku, masewera, ndi zodzikongoletsera.
- Gwiritsani ntchito wapamwamba amapereka. Pali mitundu itatu ya zotsatsa:
- yenda pamapulatifomu ngati Ola, Uber, Rapido, etc
- Zofunikira zapakhomo pa Pharmeasy, Zepto, Urban company, etc
- Zopereka zamafashoni pakugula kwa Levi's, Louis Philippe, Hidesign, ndi zina.
4. Mthumba ndi ICICI Bank
Mothandizidwa ndi ma e-wallet Pockets osavuta a ICICI Bank, makasitomala aku banki iliyonse amatha kusamalira ndalama zawo ndikulipira poyenda mosavuta. Kampaniyo ikufuna kupanga ndalama kuti zikhale zosavuta, ndipo ndi VISA-powered e-wallet, yomwe ili ndi zinthu zingapo zomwe zimapangitsa kuti ikhale yotetezeka komanso yothandiza pogwiritsira ntchito ndalama zanu, zapambana.
Mutha kugula pa intaneti kapena m'sitolo, kuyitanitsanso foni yanu, kutumiza ndalama kwa okondedwa, ndi zina zambiri ndi Pockets. Khadi lowoneka bwino lomwe Pockets amapereka, lomwe lingagwiritsidwe ntchito pogula pa intaneti kapena sitolo yakuthupi, limasiyanitsa ndi mpikisano. Pockets by ICICI Bank ndiye yankho ngati mukusaka malo ogulitsa amodzi pazosowa zanu zonse zachuma.
Dongosolo La Mphoto
- Makasitomala amatha kulandira mphotho pazochita zilizonse zomwe zimapangidwa ndi Pockets e-wallet.
- Mfundozi zitha kuwomboledwa pazotsatsa zosiyanasiyana komanso kuchotsera pogula, kuyenda, ndi zina zambiri.
- Mathumba alinso ndi pulogalamu yotumizira makasitomala pomwe makasitomala amatha kupeza ma point potumiza abwenzi ndi abale kuti alembetse chikwama cha e-wallet.
- Matumba alinso ndi mabizinesi apadera komanso zopereka kwa makasitomala ake, monga kubweza ndalama pakubweza ngongole ndikubwezanso.
- Makasitomala amathanso kutenga nawo gawo pamafunso a Pockets ndi mipikisano kuti apambane mphotho ndi mphotho.
- Zina mwazomwe zimaperekedwa zikuphatikizapo
- Sungani 30% mukalipira ndi kirediti kadi ya ICICI Bank
- Sangalalani ndi kuchotsera 12% mpaka ma Rs.1800 pamaulendo apaulendo apanyumba ndi Yatra
- Pezani kuchotsera 12% pa Umembala wa Club Mahindra Holiday GoZest ndi zina zambiri!
5. Freecharge
Axis Bank Limited, imodzi mwa mabanki otsogola ku India, idakhazikitsa Freecharge mu Seputembala 2015 ngati kampani yothandizirana ndi eni ake onse.
Bungweli likufuna kuwonjezera kusavuta kwa ogula komanso kupezeka kwamalipiro a digito. Chikwama cha digito cha Freecharge chimalola makasitomala kuti azilipira katundu ndi ntchito kwa ogulitsa ndi ogulitsa pa intaneti, monga Cinepolis, HomeStop Hypercity, E-Rickshaws, Shoppers Stop, McDonald's, ndi Crossword.
Makasitomala aku India amakonda kapangidwe ka kampani kosavuta kugwiritsa ntchito komanso kugogomezera chitetezo. Kulumikizana kwa Freecharge ndi Axis Bank Limited, imodzi mwamabanki akuluakulu azigawo zabizinesi India wabweretsa digiri yowonjezera ya chitetezo kwa kasitomala. Chikwama chikhoza kugwiritsidwa ntchito kuchita zinthu zosiyanasiyana, kuphatikiza mafoni ndi DTH recharge, kulipira, ndi zina zambiri.
Dongosolo La Mphoto
- Freecharge imapereka pulogalamu ya mphotho yotchedwa "Freecharge Go” kwa ogwiritsa ntchito
- Ogwiritsa ntchito amatha kubweza ndalama pazochita zomwe zachitika kudzera pa pulogalamu ya Freecharge, monga kubweza mafoni, kulipira mabilu, ndi kubweza kwa DTH.
- Cashback wapeza can kugwiritsidwa ntchito Zochita zamtsogolo pa nsanja ya Freecharge
- Kutsatsa kwapadera ndi kuchotsera pazogulitsa ndi ntchito zimaperekedwanso kudzera mu pulogalamuyi
- Makina otumizira amalola ogwiritsa ntchito kuitana anzawo ndikupeza mphotho zobwezeredwa akapanga malonda awo oyamba
- Pulogalamu ya mphotho ndi njira yabwino kwa ogwiritsa ntchito kusunga ndalama ndikupeza kuchotsera pazochita zawo zatsiku ndi tsiku.
- Zina mwazinthu zomwe zikugwira ntchito ndi izi:
- mpaka Rs. 30 Kubweza ndalama pamalipiro a postpaid bill
- 100% Kubweza pa kulipira bilu yoyamba
- Rs. 30 Kubweza ndalama pa Jio recharges (kwa ogwiritsa ntchito atsopano)
- 10% Kubweza pa DTH recharges
6. MobiKwik
Mobikwik ndi kampani ya madola biliyoni yomwe idapangidwa mu 2009 ndi Bipin Preet Singh komanso Upasana Taku ku Gurgaon, India. Cholinga cha kampaniyo ndikutsegula malipiro a digito kwa anthu onse. Ogwiritsa ntchito chikwama cha digito cha Mobikwik atha kutchajanso mafoni awo am'manja ndikulipira katundu ndi ntchito kwa ogulitsa pa intaneti komanso opanda intaneti. Makasitomala aku India amakonda mtunduwo chifukwa cha mawonekedwe ake osavuta kugwiritsa ntchito, chitetezo, komanso kutsindika kwa kasitomala.
Mobikwik ndi m'modzi mwa omwe atenga nawo gawo pa msika wamalipiro wa digito waku India wokhala ndi makasitomala opitilira 100 miliyoni. Kampaniyo imalandira thandizo kuchokera ku chuma champhamvu cha India ndiukadaulo. izi ndichifukwa kampaniyo ili ku Gurgaon, zomwe zimalola kampaniyo kupitiliza kupanga zatsopano ndikuwongolera ntchito zake.
Dongosolo La Mphoto
- MobiKwik PAYBACK ndi pulogalamu yayikulu kwambiri ku India yotsimikizira mitundu ingapo yokhala ndi anthu 100+ pa intaneti komanso osagwiritsa ntchito intaneti.
- Mumapeza PAYBACK Points pazinthu monga kugula zovala ndi zakudya; kuyendetsa, kusungitsa ndege ndi mahotela ndi kugula pa intaneti.
- Ombolani mapointi anu a PAYBACK pa MobiKwik kuti mupeze chikwama chanu chandalama ndikuchigwiritsa ntchito kuyitanitsanso foni yanu yam'manja, kulipira mabilu, ndi zina zambiri. Mfundo iliyonse ndiyofunika Re. 1.
- Zotsatsa zomwe zilipo zikuphatikiza:
- Flat Rs. 15 Cashback pa Malipiro a Electricity Bill
- Flat Rs.15 Cashback pa nthawi yanu yoyamba Zithunzi za LPG Kusungitsa pa MobiKwik App.
- Kubweza ndalama kwa Flat Rs.25 pakubwezanso koyamba kwa DTH pa MobiKwik
- Flat Rs.500 Instant Discount pa MakeMyTrip
- Pezani ndalama zokwana Rs 750 ku Jio Store
7. Google Pay
Pa Meyi 26, 2011, Sujith Narayanan ndi Sumit Gwalani adakhazikitsa GooglePay, ntchito yachikwama ya digito. Kampaniyo, yomwe ili ndi maofesi awo kumeneko, ikufuna kutumiza ndalama kwa ogula mwachangu komanso molunjika. Ntchito ya kampani imanenedwa bwino pamwamba pa mawu akuti "Ndalama zopangidwa mosavuta.” Mukamalipira mabilu, kutumiza ndalama kwa anzanu ndi abale, kapena kugula zinthu pa intaneti komanso popanda intaneti, GooglePay imathandizira kuti muthe kuchita zinthu mwachangu.
Ogwiritsa ntchito mamiliyoni ambiri amagwiritsa ntchito pulogalamuyi padziko lonse lapansi ndipo imapezeka m'maiko ambiri. Ogwiritsa ntchito amachikonda chifukwa cha kuphweka, chitetezo, komanso kugwirizana ndi ntchito zina za Google. Kuphatikiza apo, GooglePay imapatsa makasitomala ake mabizinesi osiyanasiyana ndi kuchotsera.
Dongosolo La Mphoto
- Ogwiritsa ntchito Google Pay amalandila zolimbikitsira pochita malonda ndi kulimbikitsa pulogalamuyi kwa abwenzi ndi abale.
- Pogwiritsa ntchito pulogalamuyi pogula zinthu, ogwiritsa ntchito atha kupeza makhadi obweza ndalama.
- Ogwiritsa ntchito omwe amalimbikitsa Google Pay amalandila mphotho, ndipo munthu yemwe amamupangira amalandilanso mphotho.
- Bili ikhoza kulipidwa kapena seti kuchuluka kwa wotuluka angathe zipangidwe, mwachitsanzo, ogwiritsa ntchito amatha kulandira mphotho pochita izi mkati mwa pulogalamuyi.
- Kuphatikiza apo, Google Pay imapereka mphotho kwa ogwiritsa ntchito pulogalamuyo kuti agule m'masitolo enaake ndi mabizinesi apaintaneti.
- Mphotho ikhoza kusinthidwa kubweza ndalama mukagula kapena ngongole kuti mugwiritse ntchito pa ntchito za Google monga Google Play kapena YouTube Premium.
8. Kufuula
Dongosolo La Mphoto
- Pezani mapointi a ndalama za Chillar pazochita zilizonse zomwe zimachitika kudzera pa pulogalamu ya Chiller Wallet
- Zotsatsa mwapadera ndi kuchotsera kwa amalonda ogwirizana kwa ogwiritsa ntchito a Chiller Wallet
- Sungani Ma Chillars ndikusintha kukhala ma rupees( 100 Chillar= Rs. 10)
- Mphotho zapadera za bonasi pakukwaniritsa zoikika kapena mabonasi otumizira
- Nawa mapulogalamu ena opitilira mphotho:
- Pezani ndalama za Chillar 1000 pogula Kuku FM Kulembetsa
- Pezani ndalama za Chillar 100 polembetsa pa Dream11 ndikuyika ndalama zochepa
- Lembetsani pa pulogalamu ya TataNeu kuti mupeze ndalama za Chillar 120
9. PayZapp ndi HDFC Bank
PayZapp yolembedwa ndi HDFC Bank ndi njira imodzi yokha yopezera zosowa zanu zonse zama digito. Choyambitsidwa ndi cholinga chosavuta kugulitsa kwa digito, e-wallet iyi imapereka zinthu zambiri zomwe zimakwaniritsa zosowa zosiyanasiyana za ogwiritsa ntchito. Kuchokera pakusungitsa matikiti apandege ndi mahotela mpaka kugula matikiti amakanema ndi golosale, PayZapp yakuthandizani.
ndi SmartBuy, ogwiritsa atha kupeza kuchotsera kwakukulu pogula pa intaneti. Kuphatikiza apo, pulogalamuyi imalola ogwiritsa ntchito kutumiza ndalama kwa aliyense amene ali pamndandanda wawo wolumikizana nawo kapena mwachindunji ku akaunti yawo yakubanki, kulipira mabilu ndikuwonjezeranso mafoni awo, DTH, ndi khadi la data mosavuta. Khalani ndi mwayi wochita zinthu mopanda ndalama ndi PayZapp.
Dongosolo La Mphoto
- Pezani ndalama pakubweza ndalama zomwe mwachita kudzera pa pulogalamu ya PayZapp
- Zopereka zapadera ndi kuchotsera kwa ogwiritsa ntchito PayZapp kwa amalonda ogwirizana
- Malipiro ogwiritsira ntchito PayZapp pazochita zosiyanasiyana monga kulipira mabilu, kubweza mafoni, ndi zina zambiri.
- Ombola malo opatsa mphotho pazochotsera pazochita zam'tsogolo kapena ma voucha amphatso
- Zina mwazinthu zomwe zikugwira ntchito ndi izi:
- Mpaka Rs 250 CashBack pa PayZapp Bill Payments
- Landirani ndalama zobwezeredwa za Rs 50 pa Amazon mukadzabwezanso mafoni kapena kulipira ngongole
- Pezani 50% kuchotsera pa umembala wa 1 wa Amazon Prime ndi Exclusive Youth Offer.
Top 3 Zosankha
Pambuyo pofufuza mozama komanso kusanthula, tasankha zikwama za digito zapamwamba 3 pamndandanda wa zikwama 9 zabwino kwambiri za digito ku India zobweza ndalama - PhonePe, Paytm, ndi GooglePay. Tiyeni tikambirane ubwino ndi kuipa kwawo.
Malipiro TM
ubwino
- Paytm ndiyosavuta kugwiritsa ntchito komanso kusakatula, zomwe zimapangitsa kuti ogula amalize kuchita mosavuta.
- Ogwiritsa ntchito amatha kugwiritsa ntchito pulogalamuyi pafupipafupi chifukwa makhadi oyambira amapangitsa kuti kulipira kukhala kosangalatsa komanso kodabwitsa.
- Zochita zimachulukitsidwa ndipo zimakhala zogwira mtima kwambiri ndi kulipira mwachangu kwa UPI.
- Kuteteza zambiri zazachuma ndi zaumwini za ogwiritsa ntchito, pulogalamuyi imagwiritsa ntchito encryption ya 128-bit pakulipira kotetezeka.
kuipa
- Ndizotheka kuti pulogalamu yakunyumba ya pulogalamuyo iwoneke yosalongosoka komanso yodzaza.
- Zochita zimasokonekera nthawi zina zazindikirika ngati vuto la ogwiritsa ntchito ena.
- Ntchito zamakasitomala sizikhala mwachangu momwe timayembekezera.
- Malinga ndi ogwiritsa ntchito angapo, pulogalamuyi siperekanso zotsatsa zambiri komanso zopatsa monga momwe idachitira kale.
phonepe
ubwino
- PhonePe imapereka chida chosavuta kwa ogwiritsa ntchito mabizinesi kuti azitha kuchita.
- Kusamutsa ndalama mwachindunji kumathetsa kufunika kolumikizana ndi akaunti kapena khadi.
- Pulogalamuyi imathandizira zilankhulo zingapo, ndikupangitsa kuti ikhale yosavuta kugwiritsa ntchito kwa omwe salankhula Chingerezi.
kuipa
- Pakhoza kukhala zovuta pakubwezeredwa kwa matikiti oletsedwa.
- Dashboard ikhoza kupezeka popanda kutsimikizika koyenera.
- Kukonza ngongole kumatha kutenga maola 24 nthawi zina.
Google Pay
ubwino
- Imasunga zolemba zonse zomwe zachitika kuti ziwoneke mosavuta
- Kulunzanitsa zambiri pazida zingapo kuti zikhale zosavuta
- Amapereka njira zolipirira zodalirika komanso zotetezeka
- Mawonekedwe ogwiritsa ntchito
kuipa
- Pulogalamu yam'manja ikhoza kuwongoleredwa potengera zomwe ogwiritsa ntchito
- Kusintha ngongole zambiri zitha kukhala zovuta
- Mutha kupindula ndi zidziwitso zatsatanetsatane komanso mafotokozedwe amigwirizano yantchito
- Zingafunike macheke angapo achitetezo kuti amalize zambiri zolipira patsamba.
Kusankha Kwathu
Zikafika pa chidziwitso chomaliza chobwezera ndalama, Paytm atenga keke! Ndi makina awo osangalatsa a makadi, kulipira kulikonse kumakhala masewera osangalatsa a mwayi wopeza mphotho zambiri zobweza ndalama. Kuphatikiza apo, mawonekedwe osavuta a pulogalamuyi amapangitsa kuti pakhale kamphepo koyenda ndikumaliza kuchita.
Koma sizo zonse.
Paytm's 128-bit encryption imawonetsetsa kuti malipiro anu onse ndi otetezeka. Zedi, chophimba chakunyumba chikhoza kukhala chodzaza pang'ono, ndipo chithandizo chamakasitomala chingakhale bwinoko, koma ndi Paytm, simumakhazikika. Ndiye mukuyembekezera chiyani? “Paytm Karo” ndikuyamba kulandira mphotho zobweza ndalamazo!
Siyani Mumakonda