Kodi mwayambitsa sitolo yanu ya e-commerce, koma mukuganiza kuti ndi njira yolipira yoti musankhe?
Munthawi zino za digito komanso kukula kosalekeza kwa malo ogulitsira a E-commerce, mabungwe azaka zatsopano ayenera kukumbatira ukadaulo ndi njira zatsopano. Chofunikira kwambiri pabizinesi iliyonse ya E-commerce ndikuwongolera zomwe mumalipira, chifukwa chake kusankha wopereka zipata zoyenera ndikofunikira kuti muchite bwino.
Ndi mazana a njira zolipirira zomwe zimayambitsidwa chaka chilichonse, zonse zimapereka njira zosiyanasiyana zolipirira, mutha kudzifunsa kuti ndi njira iti yabwino kwambiri pabizinesi yanu.
Kodi njira zolipirira ndi chiyani?
Njira yolipirira imapereka njira yopanda zovuta yolipirira pa intaneti, yogwira ntchito ngati mlatho pakati pa tsamba la wamalonda kapena pulogalamu yam'manja ndi banki. Ndi kungodina kamodzi, mutha kulipira motetezeka chinthu kapena ntchito popanda masitepe owonjezera.
Nthawi yolipira ikakwana, webusayiti ya amalonda imatumiza uthenga wanu wa kirediti kadi/khadi langongole kunjira yolipira kuti muvomerezedwe. Mukatsimikizira zonse ndi banki yanu, njira yolipirira imathandizira kusamutsa kuchokera ku akaunti yanu kupita ku yawo - yosavuta komanso yotetezeka!
Malinga ndi Statista, Gawo la Malipiro a Digito ku India likuyembekezeka kukula pamlingo wodabwitsa wa 14.16% CAGR kuyambira 2023-2027, ndi Mtengo Wonse wa Transaction wa US $ 160.60bn mu 2023 komanso chikuyembekezeka $272.80bn kumapeto kwa 2027!
Kusintha kumeneku kukupangitsa kuti mabizinesi asankhe njira zabwino zolipirira zotetezedwa ndikuchita bwino kwambiri.
Poganizira izi, tiyeni tiwone njira 12 zolipirira zabwino kwambiri ku India zomwe mungasankhe:
CCAvenue
CCAvenue imapereka zochitika zosavuta, zomwe bizinesi yanu idzakhala nayo mu ola limodzi lokha!
Yakhazikitsidwa ndi Vishal Metha mu 2007, Infibean ndiye kampani ya makolo yomwe ili ndi likulu lawo ku Mumbai. Zanenedwa kuti 85% ya amalonda aku India akugwiritsa ntchito CCAvenue - kutsimikizira momwe chipata ichi chapambana!
Kwa zaka zopitirira khumi, CCAvenue yakhala patsogolo pa zochitika za eCommerce ku India, ndikupereka mwayi wosayerekezeka ndi chitetezo. Ndi njira yawo yolipira, mutha kupeza njira zopitilira 100 zosiyanasiyana monga makhadi a kirediti kadi, makhadi obwereketsa, maakaunti akubanki pa intaneti, ma wallet a digito, ndi EMI, ndi mwayi wolipira mundalama zingapo kuphatikiza madola aku US, GBP, ndi Indian Rupees.
Mawonekedwe:
- Kukonza mundalama zazikulu 27 zosiyanasiyana.
- Zilankhulo 18 zaku India zikuphatikizidwa patsamba lotuluka lazilankhulo zambiri.
- Landirani zolipira popanda chiphaso cha PCI DSS
- Landirani zolipira motetezeka mu pulogalamu yanu ya iOS, Android, kapena Windows
- 200+ njira zolipirira, kuphatikiza zosankha za EMI
Malipiro ogulitsa:
- 2% pazochita zonse zapakhomo pogwiritsa ntchito makhadi a kingongole, ma wallet a digito, mabanki apakati, ndi UPI
- Pa kirediti kadi / makhadi onse akunja, mtengo wake ndi 4.99%
- 3% pamabizinesi onse apanyumba / makhadi amakampani
- 4% pamakhadi onse a Diners Club, American Express, ndi Amex EMI
Instamojo
Instamojo ndi nsanja yapamwamba kwambiri ya SME yomwe imapatsa amalonda aku India chilichonse chomwe angafune kuti ayendetse mabizinesi awo pa intaneti, kuphatikiza sitolo yogwira ntchito bwino, njira zolipirira zophatikizika, ndi zida zamphamvu zotsatsa.
Ndi chithandizo cha Instamojo, mabizinesi odziyimira pawokha opitilira 15 lakh akhazikitsa ma e-commerce okhazikika mosavuta. Njira yolipirira iyi ndiye njira yabwino yopezera ndalama pazogulitsa pamasamba ochezera monga Facebook, WhatsApp, ndi Instagram. Komanso, amalonda amatha kutolera ndalama zawo mosavuta kudzera pa SMS kapena imelo!
Mawonekedwe:
- Zochotsa ndi zaulere
- Akaunti yanu yaku banki itha masiku atatu
- Imathandizira Magento, PrestaShop, OpenCart, ndi nsanja zina zazikulu za eCommerce
- Pali pulogalamu yolipira yomwe mukufuna kuti mafoni a Android atolere ndikutsata zolipira
Malipiro ogulitsa:
- Malipiro okonza pachaka: ZERO
- Ndalama Zogulitsa: 2% + Rs 3 pazochitika
PayU
Ndi PayU, muli ndi mphamvu zosinthiratu ndalama zanu zama digito!
Ndiosavuta kukhazikitsa ndikugwiritsa ntchito ndi OTP yakubadwa ndikudina kamodzi pazochita zomwe zimachitika mobwerezabwereza, komanso kubweza ndalama pompopompo kwa makasitomala anu onse kuti asatayike. Kuphatikiza apo, mutha kuyang'anira zochitika zonse zamakasitomala pazabwino zonse patsamba lanu!
Mawonekedwe:
- Makhadi angongole/ndalama, kubanki, UPI, wallet, EMIs, ndi zina zambiri zimavomerezedwa ndi Payu
- Imavomereza ndalama zapadziko lonse lapansi ndipo imathandizira ndalama zambiri
- Pulogalamuyi imaphatikizana mosavuta ndi nsanja zolipira zosavuta
- Kusintha kwamtundu ndikotheka
Malipiro ogulitsa:
- Zero pachaka kukonza ndalama
- Makhadi a American Express ndi Diners ali ndi chindapusa cha 2% kuphatikiza GST pakuchita kulikonse
- Pali chindapusa cha 3% kuphatikiza GST pazochita zakunja ndi njira zina zolipirira za EMI
Paytm Payment Gateway
Paytm Payment Gateway imapereka njira yotetezeka, yogwirizana ndi PCI yothandizira kuchita zinthu mwachangu popanda mtengo wowonjezera pakukhazikitsa kapena kukonza akaunti. Sikuti chipatachi chimangovomereza makhadi a kingongole, komanso mabanki, UPI, ndi njira zolipirira chikwama cha Paytm!
Paytm yakhala yofunika kwambiri m'miyoyo ya anthu ku India konse, kuchokera kwa ogulitsa ang'onoang'ono kupita kwa anthu ambiri. Ndiukadaulo wa Verisign-certified SSL encryption, Paytm yasintha zolipira pa intaneti popereka chitetezo chosayerekezeka ndi kudalirika.
Mawonekedwe:
- Kutsegula Mwamsanga
- Kuphatikiza kosavuta kwa 100+ magwero olipira
- Zochita bwino kwambiri m'kalasi
- Chimodzi mwazolipira zotchuka kwambiri ku India
- Thandizo lodzipereka
Malipiro ogulitsa:
- UPI transaction: 0% (Standard) ndi Rs. 5 mpaka 65 pa chilichonse (Kulembetsa)
- Paytm Wallet: 1.99%
- Khadi la Debit (Mastercard ndi Visa): 0.4 mpaka 0.9%
- Rupay debit khadi: 0%
- Mabanki Net: 1.9%
- PG International: 2.9%
Malipoti a malipoti a ndalama ICICI
ICICI Bank's ICICI Payseal imapereka ukadaulo wokhazikika komanso yankho lakubanki pazofunikira zilizonse zolipira pa intaneti za e-Commerce.
Ndi yosinthika, yosinthika mosavuta, ndipo imatha kuphatikizidwa ndi nsanja yomwe ilipo posachedwa. Gwiritsani ntchito njira yawo yolipirira nthawi yeniyeni pamakina odalirika olipira pa intaneti kuti musaphonye kugulitsa chifukwa cha zovuta zaukadaulo.
Mawonekedwe:
- Imavomereza zolipirira Debit, Ngongole, UPI, Bharat QR, EMI, ndi Dynamic Currency Conversion (DCC) mosavuta.
- Zolipirira zanzeru za Android POS ndi kasamalidwe ka bizinesi zimasamalira chilichonse kuyambira pakuvomera zolipirira mpaka kutsata zogulitsa ndi zosungira.
- Malo opepuka komanso onyamula a GPRS amavomereza zolipirira zambiri popita ndikulowetsa ndalama potumiza ndi khadi potumiza.
Malipiro ogulitsa:
- Pa ID imodzi ya Wamalonda, kuphatikiza ndalama zokwana Rs.50,000 kuphatikiza msonkho wosabweza.
- Ma MID owonjezera amawononga Rs.10,000
- Amalipiritsa zochitika za VISA / Master Card 3.00% + msonkho wautumiki pamalipiro a IMS, ndi zotengera zamakhadi akunja 4.00% + msonkho wautumiki.
- Mtengo wobwereketsa pachaka ndi Rs.12,000 ndipo mtengo wake ndi wochepera pa Rs.36 Lacs
PayKun
PayKun ndi ena mwa njira zabwino zolipira zamabizinesi, ma SME, NGOs ndi mtundu wa e-Commerce. Webusayiti yake yopangidwa ndi mafoni imathandizira kusintha kwa QR ndi njira zina zosasinthika - kuphatikiza, zimapangitsa kubweza ndalama kukhala kosavuta ndikudina kamodzi kokha.
Zosankha zochepetsera nthawi yolephera kulipira zimapezekanso limodzi ndi malipiro olembetsa kwa amalonda, motero zimawapatsa mphamvu zambiri pa ndalama zawo.
Mawonekedwe:
- Njira yopanda mapepala, yosavuta, komanso yofulumira yokwera
- Kuphatikizika kwa nsanja kosavuta komanso kopanda mtengo ndi tsamba lanu kapena pulogalamu yanu
- Mogwirizana ndi PCI DSS v3.2.1 Level 1 (Payment Card Industry Data Security Standard)
- Amapereka mitengo yowongoka komanso zosankha zopitilira 120
- Njira yosavuta yobwezera kwa makasitomala ndikudina kamodzi
Malipiro ogulitsa:
- Pazochita zapakhomo, 1.75% kuphatikiza GST iliyonse yoyenera.
EaseBuzz
Mutha kuwongolera njira zolipira makasitomala anu onse ndi Easebuzz!
Imakulolani kuvomereza zolipirira kuchokera kumagwero angapo monga makhadi a kirediti kadi, makhadi a kirediti kadi, zosankha zamabanki, zikwama zam'manja za UPI, Simpl, ndi Ola kulipira positi pazida zilizonse mosatekeseka. Gwiritsani ntchito nsanja yake yabwino komanso yodalirika ya e-commerce poyiphatikiza mosavuta patsamba lanu lapano.
Mawonekedwe:
- Imaletsa chinyengo ndi kulipiritsa
- Kuphatikizira njira yolipira ndi tsamba lanu la e-commerce kumathandizira kukonza zolipira
- Imawongolera kukonza zolipira pa intaneti ndikutuluka kwachangu komanso kosalala
- Imateteza amalonda ndi ogula mwa kubisa zonse zomwe zimachitika
- 24/7 malonda ndi kukonza malipiro
Malipiro ogulitsa:
- 4 rupees pakusinthana mpaka 1000.
- Kugulitsa kulikonse kumawononga 5 Rupees pamtengo wapakati pa 1000 ndi 25000.
- Zolipiritsa pazochita zonse zopitilira ma Rs. 25,000 ndi 9 Rupees iliyonse.
BillDesk
Bill Desk ndiye yankho labwino pazosowa zanu zonse zatsiku ndi tsiku.
Monga Bharat Bill Payment Operating Unit yodalirika, ya Boma la India, imapereka njira yotetezeka komanso yotetezeka yolipirira Mabilu amitundu yosiyanasiyana monga mabilu amafoni, mabilu amafuta, ndalama za inshuwaransi, chindapusa cha intaneti (ISP), kirediti kadi. malipiro, ndi zina zambiri ndi ntchito zake zambiri zamabanki!
Mawonekedwe:
- Makasitomala amatha kulipira mwachangu popanda kulowa mu pulogalamu kapena tsamba lawebusayiti
- Njira zolipirira 170+ - Zonse mu ulalo umodzi
- Tetezani zochitika pogwiritsa ntchito Mawu Achinsinsi Anthawi Imodzi
- Pangani maulalo olipira, tumizani zidziwitso, ndikutsata zomwe mwasonkhanitsa munthawi yeniyeni pogwiritsa ntchito mawonekedwe osavuta komanso owoneka bwino
Malipiro ogulitsa:
- 10 mpaka 50 rupees pazochitika zilizonse kuphatikiza msonkho wautumiki
PayPal
PayPal ndi njira yolipira padziko lonse lapansi yokhala ndi maakaunti olembetsedwa opitilira 377 miliyoni m'maiko opitilira 200.
Ngati mukufuna kuvomereza zolipirira kuchokera kwa makasitomala padziko lonse lapansi, PayPal iyenera kukhala nambala yoyamba posankha njira yolipirira malo ogulitsira a E-commerce. Njira zake zosavuta komanso zodalirika zimapangitsa PayPal kukhala njira yabwino yomwe opereka chithandizo ena sangafanane nayo.
PayPal imalola amalonda kuti agwirizane ndi nsanja yawo ndikuvomereza kulipira mumitundu ingapo. Izi zimapangitsa kukhala kosavuta kwa makasitomala apadziko lonse lapansi kugula kuchokera ku sitolo yanu osadandaula za mtengo wakusinthana akasintha ndalama zawo. Kuphatikiza apo, njira zopewera zachinyengo za PayPal ndizopamwamba kwambiri ndipo zitha kuthandiza sitolo yanu kukhala yotetezeka kuzinthu zachinyengo.
Mawonekedwe:
- Imalandila ndalama zopitilira 100.
- Ali ndi ogwiritsa ntchito 400+ miliyoni ndi zaka 20+ zokumana nazo.
- Kukonzekera kwa bizinesi ya PayPal kumakupatsani mwayi wopanga popanda zovuta.
- Imagwiritsa ntchito encryption ya 128-bit SLL pachitetezo.
- Zero chaka chilichonse kukonza.
- Pulogalamu ya PayPal imapezeka pa iOS ndi Android SDK.
- Iloleza mayendedwe a QR code.
Malipiro ogulitsa:
- 5% + 3 INR pazochitika zonse
Razorpay
Yakhazikitsidwa mu 2013 ndi Shashank Kumar ndi Harshil Mathur, Razorpay ndi kampani ya Indian fintech yomwe imapereka mayankho olipira kwa mavenda, ogulitsa eCommerce, ndi amalonda. Dongosololi limathandizira njira yonse yolipira kuchokera koyambira mpaka kumapeto.
Yambitsani bizinesi yanu ndikuyendetsa mphindi zochepa ndikukhazikitsa kosavuta kwa chipata cholipira cha Razorpay! Razorpay imakulolani kuvomereza zolipirira makasitomala kudzera muzosankha zambiri, monga zipata zolipirira, maulalo, masamba, SmartCollect, ndi zolembetsa.
Kuphatikiza apo, Razorpay imadziwikiratu chifukwa chotsegula mwachangu komanso kuphatikiza kosavuta. Mothandizidwa ndi chipata ichi, ogwiritsa ntchito amapeza mwayi wopita ku Dashboard yomwe imawalola kuwona deta yogula nthawi yeniyeni. Chifukwa chake, aliyense, kuyambira odziyimira pawokha komanso odzipangira okha mpaka makampani akuluakulu, apindula ndi chitetezo cha Razorpay komanso kuphweka kwake kugwiritsa ntchito.
Mawonekedwe:
- Kuphatikiza kosavuta ndi ma SDK olembedwa bwino, ma RESTful API ndi mapulagini
- Thandizo la ndalama za 92
- Kutembenuka kwandalama munthawi yeniyeni
- 100+ njira zolipirira
- Kuchita bwino kwambiri potuluka
- Malipiro apompopompo
- Kufotokozera Kwathunthu ndi Kusanthula
Malipiro ogulitsa:
- 2% pa kirediti kadi/makhadi angongole aku India, kubanki yonse, UPI
- 3% pa Diners ndi Amex Cards, International Cards, EMI (Credit Card, Debit Card & Cardless) & Corporate (Bizinesi) Makhadi a Ngongole
Malipiro a Cashfree
Cashfree Payments ndi njira yoyamba yolipirira ku India komanso nsanja yolipira ya API yochokera ku Bangalore yomwe yathandizira kuchita bwino kwa amalonda opitilira 100,000.
Yakhazikitsidwa ndi Reeju Datta ndi Akash Sinha mu 2015, Cashfree imapereka njira zolipirira pa intaneti zamabizinesi akulu ndi ang'onoang'ono kuti atsimikizire chitetezo chazachuma. Njira yolipirayi ili ndi yankho lotchedwa "Cashgram." Ndi Cashgram, mabizinesi amatha kusonkhanitsa ndalama mwachangu komanso motetezeka potumiza ulalo wa intaneti kwa ogwiritsa ntchito.
Mawonekedwe:
- 120+ njira zolipirira
- Kubweza pompopompo kuphatikiza kubweza maoda a COD
- Palibe mtengo wokhazikitsa
- Kuphatikiza kwatsamba kosavuta ndi RESTful APIs ndi JavaScript SDK
- Amalandila makhadi, 75+ Net banking njira zina, zikwama zam'manja, UPI, NEFT, IMPS, ndi PayPal
- Imathandizira ndalama zoposa 32
Malipiro ogulitsa:
- Mabanki onse, ngongole, ndi kirediti kadi amawononga 1.75% pamabanki opitilira 70.
- Cardless ndi Lipirani Pambuyo pake: 2.5% pazochitika zonse za EMI
- 3.5% kuphatikiza 7 INR pakugulitsa kwa kirediti kadi yapadziko lonse lapansi
HDFC Payment Gateway
HDFC Bank Payment Gateway imapangitsa kuti zikhale zosavuta kuti makasitomala azilipira mabilu awo kudzera kubanki yapaintaneti.
Ntchito yake ya API imapereka njira yopanda malire yovomerezera kugulitsa kwa kirediti kadi mwachindunji kuchokera kwa makasitomala anu ndikuphatikizana ndi nsanja zodziwika bwino za e-commerce monga WooCommerce ndi Shopify.
Ndi mawonekedwe ake osavuta kugwiritsa ntchito komanso ukadaulo wotsogola, HDFC Payment Gateway ndiye yankho labwino pazofunikira zanu zonse zolipira pa intaneti.
Mawonekedwe:
- Zosavuta kuphatikiza 100+ njira zolipirira
- 24 maola makasitomala
- Kutuluka mwachangu
- Tetezani nsanja yogulitsira pa intaneti
- Ndi akaunti yokhayo ya HDFC yomwe imalandira malipiro, zomwe zimatenga tsiku limodzi.
Malipiro ogulitsa:
- Kukhazikitsa kumawononga INR 20,000 + msonkho wantchito (ndalama imodzi komanso yosabweza)
- Zochita za kirediti kadi / kirediti kadi zimawononga 3% -10% + msonkho wautumiki
- Kukonza kwapachaka kumawononga Rs.10,000
Kutsiliza
Njira iliyonse yolipirira ndiyodalirika, yotetezeka, komanso yabwino kuti mabizinesi avomereze zolipira pa intaneti.
Mawonekedwe, chindapusa, komanso kugwiritsa ntchito mosavuta kumasiyana, chifukwa chake sankhani yomwe ikugwirizana ndi bizinesi yanu. Pokhala ndi chipata cholipirira chotetezedwa, mutha kuyamba kuvomera zolipira molimba mtima komanso momasuka.
Onetsetsani kuti mwayang'ana njira iliyonse mosamala musanapange chisankho!
Siyani Mumakonda