Kulipira kwa digito kwakhala chinthu chofunikira kwambiri pamoyo wathu watsiku ndi tsiku padziko lapansi lero.
Timadalira kwambiri maukonde olipira pa digito kuti tithandizire kukonza bwino ntchito zathu zachuma, kuyambira kugula zinthu pa intaneti mpaka kulipira mabilu. LazyPay ndi nsanja imodzi yotere yomwe imalola kulipira mwachangu komanso kosavuta ndi mwayi wolipira pambuyo pake.
Ndi ogwiritsa ntchito oposa 6 crore, LazyPay yadzikhazikitsa yokha ngati pulogalamu yopititsira ogula omwe akufuna njira zolipirira ngongole mwachangu. Tsoka ilo, LazyPay posachedwapa yakhala ndi zovuta zina zautumiki, zomwe zimapangitsa anthu kufufuza njira zina.
I. Chifukwa Chiyani Mukuyang'ana Njira Zina za LazyPay?
Ngakhale LazyPay yadzipanga kukhala pulogalamu yapamwamba yolipira ngongole ku India, malipoti aposachedwa akuwonetsa kuti ntchito za pulogalamuyi zatsika. Zina mwazolepheretsa za LazyPay posachedwapa ndi izi:
- Kuchotsa malo olipira pa kirediti kadi
- Thandizo lopanda luso lamakasitomala
- Zovuta zaukadaulo zomwe zimayambitsa kulephera kuchitapo kanthu
- Mgwirizano wochepa wamalonda
Zotsatira zake, ogwiritsa ntchito ambiri a LazyPay akufunafuna njira zina zomwe zimapereka chithandizo chabwino komanso njira zolipirira zodalirika. M'magawo otsatirawa, tiwona njira zina zabwino kwambiri za LazyPay zomwe ogwiritsa ntchito angaganizire pazofuna zawo zolipira ngongole.
II. Njira Zapamwamba za LazyPay
1. Bullet Pay ndi Jupiter Edge
Bullet Pay yolembedwa ndi Jupiter Edge ndi pulogalamu yolipira ya UPI komanso yolipira pambuyo pake yomwe idayamba mu Novembala 2020. Ndi gawo la pulogalamu yodziwika bwino ya Jupiter Money, yomwe idatsitsa kopitilira 50 lakh pa Google Play Store. Ogwiritsa ntchito atha kuyitanitsanso mafoni awo, kulipira mabilu, ndikugula pa intaneti ndi Bullet Pay, ndipo atha kulipira pambuyo pake.
Pulogalamuyi imapereka njira yachangu yogulira ndi kulipira m'masiku ochepa, zomwe zimapangitsa kuti zikhale zabwino kwa anthu omwe akufuna kuyang'anira bwino ndalama zawo. Mutha kugwiritsa ntchito Bullet Pay kwa ogulitsa angapo pa intaneti, kuphatikiza Zomato ndi mashopu ena apaintaneti.
Pa intaneti kapena pa intaneti, ogwiritsa ntchito amatha kugula chilichonse ndikulipira ndi ngongole. Ndikofunikira kukumbukira kuti kugwiritsa ntchito pulogalamuyi, ogwiritsa ntchito ayenera kukhala ndi ulemu mphambu ngongole, ndipo kuvomereza kumadalira pa creditworthiness.
- Ngongole Yapompopompo: Pezani ndalama zofikira ₹10,000 m'mphindi zochepa.
- Bill Cycle: Malipiro amatumizidwa kawiri pamwezi pa 15 ndi tsiku lomaliza la mweziwo.
- Zikumbutso Zanthawi Yake: Osaphonya malipiro okhala ndi zikumbutso zapanthawi yake.
- Palibe Chiwongola dzanja ndi Malipiro: Sangalalani ndi kubweza kwa masiku 15 popanda chiwongola dzanja chilichonse.
- UI yaying'ono: Yosavuta kugwiritsa ntchito ndi mawonekedwe osavuta komanso osavuta.
- Kulembetsa Mwachangu komanso Kosavuta: Lembetsani mwachangu ndi nambala yanu yam'manja ndi zambiri zamakhadi a PAN.
- Jambulani ndikulipira: Lipirani bilu iliyonse ndikudina pang'ono chabe.
2. ZestMoney
Zest ndi kampani ya fintech yomwe ikukwera mwachangu yomwe ikusintha masewera azachuma ogula ku India. Zestmoney idakhazikitsidwa mu 2015 ndi Lizzie Chapman, Priya Sharma, ndi Ashish Anantharaman.
Kuyambira pamenepo, idaperekedwa kupititsa patsogolo miyoyo ya mabanja aku India opitilira 300 miliyoni omwe sangalandire ngongole chifukwa chosowa mbiri yangongole. Imalola ogwiritsa ntchito kuyang'anira malire awo angongole ndikumaliza KYC yawo pa pulogalamuyi.
ZestMoney ili ndi kutsitsa kopitilira 1 crore pa Play Store. Kuphatikiza apo, imapezeka m'malo opitilira 75,000 ogulitsa ndi mabizinesi 15,000 apa intaneti, kupatsa ogula mwayi wosiyanasiyana. Bungwe la World Economic Forum latcha ZestMoney mpainiya wa 2020 Technological Pioneer pozindikira njira yawo yapadera yopezera ndalama.
- Lipirani Pambuyo Pazigawo: Zest imakupatsani mwayi wolipirira zomwe mwagula mu magawo atatu opanda chiwongola dzanja. Mutha kusankhanso kulipira mu magawo 3, 6, kapena 9, ngakhale zosankhazi zimabwera ndi ndalama zina.
- Chotsani Migwirizano ndi Zokwaniritsa: Zest ili ndi mawu owonekera, osalipira zobisika kapena chindapusa chojowina. Komabe, muyenera kudziwa kuti kuphonya EMI kudzakopa chilango cha INR 250.
- Kuvomereza Kwambiri: Zest imavomerezedwa m'masitolo opitilira 10,000 pa intaneti komanso malo ogulitsa 75,000, zomwe zimapangitsa kukhala kosavuta kuti mugule pa intaneti komanso pa intaneti.
- Njira Yovomerezeka Mwachangu: Ndi Zest, palibe chifukwa cha mapepala kapena kirediti kadi. Njira yovomerezera masitepe atatu ndiyofulumira komanso yopanda zovuta.
- Ngongole Yapamwamba: Kutengera mbiri yanu yangongole, Zest imakupatsirani ngongole yofikira INR lakh ziwiri, kukupatsani ufulu wogula zinthu zazikulu.
3. Zamgululi
Kissht, yemwe kale ankadziwika kuti Fastbanking, ndi woyamba ku India wopereka njira zolipirira motsogozedwa ndi ngongole. Idakhazikitsidwa mu 2015 ndipo ikulonjeza kupatsa makasitomala kuzungulira dzikolo mwachangu komanso mosavuta ndalama zangongole. Ukadaulo wake wama digito wokwanira komanso wodzichitira wokha umathandizira makasitomala kugula zinthu panjira zapaintaneti komanso zakuthupi.
Kissht ili ndi msika wokulirapo, wokhala ndi anzawo 50+ pa intaneti komanso malo ogulitsa 3000+.
Makasitomala amathanso kugula mosavuta chifukwa kampaniyo imapereka EMI yachangu komanso yosavuta pogulitsa. Pulatifomuyi ndi yolumikizidwa kwathunthu ndi pulogalamu yomwe imalola ogula kutumiza zikalata pakompyuta, kulipira, ndikuwona zambiri zangongole.
Kissht ikukulitsa mwachangu kufikira kwake kuthandiza anthu ambiri kupeza ndalama zangongole, ndikutsitsa mapulogalamu opitilira 10 miliyoni ndi makasitomala osangalatsa 3.5 miliyoni.
- Otsatsa ambiri: Kissht imapatsa makasitomala ake ufulu wosankha ndikugula zinthu kuchokera kwa amalonda osiyanasiyana.
- 100% njira ya digito: Imapereka njira ya digito kwathunthu kwa makasitomala ake, kuyambira pakukweza zambiri za KYC mpaka kulandira ngongole ku akaunti yawo yakubanki. Makasitomala amathanso kugwiritsa ntchito nambala ya Kissht Ngongole ya QR kuti avomere zolipirira kapena kugula m'sitolo.
- Njira zingapo zobwezera: Kissht imapereka njira zingapo zobwezera makasitomala ake, zomwe zimapangitsa kuti zikhale zosavuta kuti abweze ngongole zawo.
- Nthawi yokhazikika: Imapatsa makasitomala ake ufulu wosankha okha nthawi yobwezera.
- Kissht Digital EMI Card: Makasitomala amatha kusankha Kissht Digital EMI Card polipira INR 199 + GST (ie INR 235). Mukangoyenera komanso mutalandira ngongole yoyamba, ndalama zoyendetsera ntchito zimabwezeredwa kwa kasitomala.
4. PostPe
PostPe, ya BharatPe, ndi ntchito yogula tsopano yolipira pambuyo pake (BNPL) yomwe idakhazikitsidwa mu 2018 ndi Ashneer Grover ndi Shashvat Nakrani. Imapereka malire a ngongole mpaka Rs.10 lakh ndi kirediti kadi kuti mugule, pamodzi ndi mwayi wolipira kudzera pa khadi la PostPe.
Makasitomala amatha kuyang'ana nambala ya QR mosavuta ndikulipira pogwiritsa ntchito ngongole ya PostPe kumalo ogulitsa. Mzere wawo ndi "De Dena Aaram Se," kutanthauza kulipira mukangofuna.
PostPe imaperekanso mwayi wosintha ndalama zomwe zatsala kukhala ma EMI ndi nthawi yomwe mwasankha. Kuphatikiza apo, ogwiritsa ntchito amatha kuyang'ana momwe amawonongera ndikupambana kubweza kosangalatsa komanso mphotho. Malire angongole amayambira ku ₹ 1000 ndipo malirewo amatsimikiziridwa kutengera mbiri ya wobwezera.
- Cashback pa Referral - Mutha kubweza ndalama zofikira 5% potumiza mnzanu kuti agwiritse ntchito pulogalamuyi.
- Kubweza Kosinthasintha Tenure - PostPe imapereka nthawi yobweza pakati pa miyezi itatu ndi isanu ndi umodzi. Mutha kusankha nthawi iliyonse malinga ndi luso lanu lochotsa.
- Kulipira Paintaneti ndi Paintaneti - Mutha kugwiritsa ntchito PostPe kulipira pa intaneti komanso pa intaneti, osalipira chilichonse.
- Makhadi Okhazikika - Ndi PostPe, mumapeza khadi lamunthu payekha komanso kirediti kadi yomwe ingagwiritsidwe ntchito kugula zinthu zosiyanasiyana, kuyambira pazinthu zatsiku ndi tsiku mpaka zinthu zapamwamba.
- Zolemba Zochepa - Gawo la Buy Now Pay Later la PostPe lili ndi zofunikira zochepa zolembera, zomwe zimapangitsa kuti zikhale zosavuta kupeza ma credits mumasekondi ochepa chabe. Zoyenera kuchita zikuphatikiza kukhala wopitilira zaka 21 ndikulandila malipiro okhazikika.
- Malipiro a Bill - Kumayambiriro kwa mwezi uliwonse, bilu imapangidwa. Muli ndi masiku asanu kuti mubwezeretse kapena kusintha kukhala EMI.
- Dashboard Yomwe Mumakonda - Ndi pulogalamu ya PostPe, mumapeza dashboard yanu momwe mungawonere zomwe mwachita posachedwa, kuchuluka kwa ngongole zomwe zilipo, kubweza ndalama zomwe mwalandira, ndi zina.
- Kutumiza Ndalama Mosavuta - Mutha kutumiza ndalama mosavuta kwa anzanu kapena kusamutsa ndalama zanu akaunti ya banki mwa kungosanthula kachidindo.
5. Flipkart Lipirani Pambuyo pake
Flipkart Pay Later ndi njira yolipira yomwe idayambitsidwa ndi Flipkart mu 2017 kuti njira yotuluka ikhale yosavuta kwa makasitomala. Makasitomala atha kugwiritsa ntchito njirayi kuti agule ndikulipira popanda kubweza ndalama zowonjezera lisanakwane lachisanu la mwezi wotsatira. Komanso, makasitomala ali ndi mwayi wosankha ndalama zawo pamodzi kuti agulitse chimodzi chachikulu.
Flipkart Pay Later imapereka malire a ngongole mpaka Rs. 1 lakh, ndipo njira yotsegulira ndiyolunjika, imangofunika kuyikapo kwa data ya PAN ndi Aadhaar, kutsimikizira kwa OTP, ndi kutsimikizira kwa akaunti yakubanki. Makasitomala amatha kusankha njira iyi kuti alandire njira zolipirira zosinthika, zomwe zimachotsa nkhawa pakulipira panthawi yotuluka.
Ogula ambiri tsopano akuwona kugula kukhala komasuka chifukwa cha Flipkart Pay Later, njira yolipirira yomwe imakonda kwambiri patsamba.
- Lipirani Mabilu: Ndi Flipkart Pay Later, mutha kulipira ndalama zothandizira, zolipirira positi, ndi mabilu ena mosavuta posankha njira ya Pay Later potuluka. Mutha kulipira ndalama zochepera kapena zosachepera ndikuchotsa ndalamazo pasanafike pa 5 mwezi wamawa popanda ndalama zowonjezera.
- Palibe Mtengo Wowonjezera: Flipkart Pay Later imakulolani kugula tsopano ndikulipira pambuyo pake popanda ndalama zina. Mutha kusangalala ndi zinthu zomwe mumagula ndikuchotsa zomwe mumalipira tsiku lomaliza lisanafike.
- Zosankha za EMI: Flipkart Pay Later imapereka zosankha za EMI ndi chiwongola dzanja cha 22-24% pachaka.
- Zosankha Zolipira: Mutha kugwiritsa ntchito Flipkart Pay Later ndi njira zonse zolipirira kupatula Cash on Delivery (COD), monga UPI, kirediti kadi, kirediti kirediti kadi, kubanki net, ndi zikwama zandalama.
- Zilipo pa Mapulatifomu Angapo: Flipkart Pay Later ikupezeka pa Flipkart, Myntra, Shopsy, ndi PhonePe.
- Ndalama Zogwiritsira Ntchito: Ndalama zogwiritsira ntchito Rs. 15 idzaperekedwa pamtengo woposa Rs. 10,000.
- Malire a Ngongole: Malire a ngongole anu a Flipkart Pay Later amayambira pa Rs. 5,000, zomwe zitha kuchulukira kapena kuchepera kutengera zomwe mumagula ndikubweza nthawi ndi nthawi.
6. CashE
CashE ndi kampani ya fintech yomwe idakhazikitsidwa mu 2016 ndi V. Raman Kumar yomwe imapereka ngongole pompopompo kwa akatswiri olipidwa achichepere. Ndi gulu la anthu 170 komanso kutsitsa mapulogalamu opitilira 7 miliyoni, CashE yabweza ngongole zoposa 2000Cr. Kampaniyo imagwira ntchito kuchokera ku Mumbai ndi Hyderabad, ndipo ndalama nthawi zambiri zimaperekedwa ndi osunga ndalama.
Chimodzi mwazinthu zapadera za CashE ndi njira yake yangongole, yomwe imalola ogwiritsa ntchito kubwereka ndalama mpaka ₹ 2 lacs. Chiwongoladzanja chimangoperekedwa pa ndalama zomwe zagwiritsidwa ntchito osati pa malire ovomerezeka. Izi zimapangitsa kukhala njira yosinthika komanso yabwino kwa iwo omwe amafunikira mwayi wopeza ndalama mwachangu.
Ndi CashE, akatswiri achichepere amatha kupeza ngongole popanda kutsata njira zamabanki zachikhalidwe, zomwe zimapangitsa kukhala njira yabwino kwa iwo omwe akufuna kupewa kuvutitsidwa ndi zolemba zazitali komanso nthawi yodikirira.
- Ngongole Zambiri za BNPL: Sankhani ngongole zingapo za Buy Now Pay later (BNPL) kuti muthe kulipira ngongole zanu.
- Ngongole: Kubwereka ndi kubweza ndalamazo mobwerezabwereza popanda kupempha ngongole yatsopano.
- Kugwiritsa Ntchito Mosavuta ndi Kubweza Nthawi yomweyo: Kugwiritsa ntchito kwaulere pa intaneti komanso kubweza pompopompo.
- Kuyenerera Kwambiri Kubwereketsa: Kubwereka mpaka 500% ya malipiro anu pamwezi.
- Ndalama Zokonza: Chindapusa chaching'ono cha ₹500 kapena 1% ya ndalama zangongole, zilizonse zomwe zili zokwera.
- Nthawi Yobwereketsa: Bweretsani ngongole zosachepera miyezi 3 mpaka zaka 1.5.
- Chiwongola dzanja: 2.5% pachaka kwa chaka chimodzi ndi chindapusa cha 0.1% patsiku chifukwa chakuchedwa kubweza kwa EMI.
- Zochepera Zoyenera Kulandila Malipiro: Kufikika kwa akatswiri olipidwa omwe amapeza ndalama zosachepera ₹ 15,000 net pamwezi.
- Kudzikhazikitsira Malire a Ngongole: Dzikhazikitseni malire anu angongole malinga ndi kuthekera kwanu pakuwongolera bwino ndalama.
7. Simpl Pay Pambuyo pake
Simpl ndi kampani ya fintech yochokera ku Bangalore yomwe idakhazikitsidwa ndi Nityanand Sharma yomwe imapereka nsanja yokwanira yolipira potengera ngongole. Yadziwika mwachangu pakati pa ogwiritsa ntchito chifukwa cha mapangidwe ake osavuta kugwiritsa ntchito komanso malamulo osavuta, ndipo tsopano ili ndi ogwiritsa ntchito padziko lonse lapansi 7 miliyoni.
Cholinga cha kampani ndi kufewetsa njira zolipirira makasitomala ndi amalonda. Cholinga chake ndi kuchotsa kufunikira kwa milu ya mapepala ndi ndalama zobisika.
Ogwira ntchito a Simpl amafalikira m'maiko atatu. Izi zimatsimikizira kuti mautumiki ake afika padziko lonse lapansi. Monga poyambira fintech, Simpl nthawi zonse imapanga ndikukulitsa nsanja yake kuti ipereke chidziwitso chabwino kwambiri kwa makasitomala, ndikupangitsa kuti ikhale bizinesi yosangalatsa kutsatira padziko lonse lapansi lazachuma ndiukadaulo.
- Kutuluka kamodzi: Simpl imabweretsa kusavuta kwa khata pa intaneti, zomwe zimakulolani kuti muyang'ane ndikungodina kamodzi ndikulipira pambuyo pake.
- Zolumikizidwa ndi 26,000+ ogulitsa pa intaneti: Simpl imalumikizidwa ndi malo ogulitsa pa intaneti opitilira 26,000, zomwe zimapangitsa kuti ikhale yosavuta kugwiritsa ntchito pulogalamuyi kuti mugule pamalonda osiyanasiyana.
- Chotsani Malire Osavuta masiku 15 aliwonse: Ndi Simpl, mutha kuchotsa ndalama zanu mosavuta masiku 15 aliwonse kudzera pa pulogalamuyi, kuti musade nkhawa kuti mudzaphonya malipiro.
- Kupanga bajeti molimbika: Simpl imapangitsa kukhala kosavuta kuyang'anira ndalama zomwe mumawononga pamwezi komanso bajeti moyenera, kuti muzitha kuyang'anira ndalama zanu.
- Lipirani mabilu othandizira ndikuwonjezeranso akaunti: Mutha kulipira mabilu anu (monga madzi, gasi, ndi mabilu a landline) ndi kulipiritsanso maakaunti anu ndikungodina kamodzi, zonse zomwe zili mu pulogalamu ya Simpl.
- Palibe ngongole yofunikira: Simpl imagwiritsa ntchito makina ake ophunzirira makina kuti amvetsetse makasitomala ndikukhazikitsa malire ogwiritsira ntchito ndalama, kotero palibe chifukwa chowerengera ngongole.
- Malire a ndalama zosinthidwa nthawi zonse: Ndalama zomwe mumawononga poyamba zimayikidwa mwachisawawa, koma zimasinthidwa mosalekeza kutengera zomwe mumawononga komanso kulimba kwa mbiri yanu.
- Malipiro owonekera ndi ndondomeko: Simpl ilibe chindapusa chobisika kapena milu ya zikalata, ndipo chilichonse kuyambira mabilu mpaka kubweza ndalama zimawonekera.
- Chitetezo cha Wogula: Simpl imapereka chitetezo cha ogula kuti akuthandizeni kugula molimba mtima.
8. Paytm Postpaid
Paytm Postpaid ndi malo otchuka a Buy Now, Pay Later omwe adakhazikitsidwa mu 2019. Adakhazikitsidwa ndi Paytm's NBFC abwenzi, Aditya Birla Finance Limited ndi Fullerton India Credit Company Limited. Poyamba, idapereka mautumiki atatu, koma tsopano awiri okha - Lite ndi Delite.
Mzere wangongole ungagwiritsidwe ntchito pogula pa intaneti/kunja kwa intaneti pamasamba 1 crore+ ndi amalonda. Kulowetsa pa pulogalamu ya Paytm kumatenga mphindi 2 zokha.
Kuti ayenerere, ogwiritsa ntchito ayenera kukhala ndi zaka zosachepera 20 ndipo akhale ndi nambala yovomerezeka ya PAN. Kutsimikizika kwa ntchitoyo ndi zaka 2, koma zidzangosinthidwa zokha. Paytm Postpaid ndi njira yabwino yolipirira zinthu zomwe mwagula popanda kufunikira kulipira mwachangu, ndipo imatha kuthandiza ogwiritsa ntchito kuyendetsa bwino ndalama zawo.
- Ngongole Yapompopompo: Ogwiritsa atha kulandira ngongole pompopompo mpaka ma Rs. 60,000 mpaka masiku 30 osachita chiwongola dzanja. Izi zimathandiza kusinthasintha kwakukulu pakuwongolera ndalama.
- Njira zobwezera: Ogwiritsa ntchito amatha kubweza ndalama zomwe amalipira Postpaid nthawi iliyonse poyendera gawo la Paytm Postpaid la pulogalamuyi. Mutha kugwiritsa ntchito UPI, Debit Card, kapena Net Banking kuti mubweze. Izi zikutanthauza kuti ogwiritsa ntchito amatha kusamalira ndalama zawo mosavuta ndikubweza m'njira yopanda mavuto.
- Ndalama Zothandizira: Paytm Postpaid imalipira chindapusa cha 0% - 3%, ngati kuli kotheka. Ndalamazi zimaperekedwa pamagulu ena okha monga kulipira renti ndipo zimawonetsedwa panthawi yogulitsa. Komabe, palibe chindapusa cholipiridwa pogwiritsa ntchito malo angongole pazochita zina.
- Malipiro Ochedwa: Ogwiritsa ntchito ayenera kuonetsetsa kuti akubweza munthawi yake kuti apewe chindapusa mochedwa. Kutengera ndi kuchuluka kwake, ndalama zochedwa zimatha kuyambira 0 mpaka Rs. 750 kuphatikiza GST.
- Kulipira Patsogolo: Ogwiritsa ntchito amathanso kulipiriratu ndalama zomwe atsala pasadakhale nthawi iliyonse pamwezi, zomwe zimawathandiza kuti azilamulira bwino ndalama zawo.
- EMIs: Paytm Postpaid imapereka mwayi wosintha zolipira kukhala ma EMI zomwe zimawononga chiwongola dzanja cha 2%+ GST pamwezi. Izi ndizofunikira makamaka kwa iwo omwe ali ndi chiwerengero chochepa cha CIBIL, chifukwa sichofunikira kuti mugwiritse ntchito Paytm Postpaid.
9. Epay pambuyo pake
Mu 2015, Aurko Bhattacharya, Akshat Saxena, ndi Uday Somayajula adapanga EpayLater ngati njira yolipirira yochedwetsedwa. Imapereka njira yolipirira yolunjika, yomveka, komanso yosasinthika pamitundu yonse yogula. Makasitomala atha kusangalala ndi nthawi yangongole yopanda chiwongola dzanja yamasiku 7 kapena 14, zomwe zimapangitsa kukhala chisankho chosangalatsa kwa makampani ang'onoang'ono omwe akufunafuna njira yofulumira yangongole kuti atseke chiwongola dzanja.
Kuteteza zinsinsi za ogwiritsa ntchito, Epay Pambuyo pake imakhala ndi chitetezo chapamwamba kwambiri. Aliyense angagwiritse ntchito ngati njira yosavuta yolipirira chifukwa imapezeka kudzera mumayendedwe onse, akuthupi ndi a digito. Epay Pambuyo pake imapereka ngongole yowongoka, yotseguka, komanso yopanda mtengo, yomwe ndi imodzi mwazinthu zake zazikulu.
Mukungofunika kujowina ndikuchita malonda patsamba lililonse lazamalonda kuti mutsirize njira yofunsira ngongole.
- Ngongole mpaka masiku 14: ePayLater imapereka njira yolipirira yochedwetsa ndi nthawi yangongole yopanda chiwongola dzanja mpaka masiku 14. Amalola ogwiritsa ntchito kugula popanda kulipira patsogolo.
- Njira yosavuta yolembetsa: Kulembetsa ku ePayLater ndikofulumira komanso kosavuta. Mukangolembetsa, mutha kugwiritsa ntchito pa webusayiti yazamalonda popanda kulowa patsamba.
- Kuphatikiza kwamalonda mwachindunji: ePayLater ili ndi zolumikizana mwachindunji ndi amalonda. Izi zimathandizira kuti mutuluke mwachangu popanda kukhala ndi mabuku obweza / kuletsa.
- Malire angongole osinthika: Malire a ngongole amayambira pa Rs. 25,000 ndipo imatha kufika ku Rs. 25 lakhs, kupatsa ogwiritsa ntchito mwayi wowongolera awo malowedwe andalama malinga ndi zosowa zawo zamabizinesi.
- Palibe ndalama zolipirira: Palibe ndalama zolipirira pofunsira ePayLater.
- Ndalama zolipirira mochedwa: Ngati ndalamazo zapezeka kuti sizikukwanira kubweza ngongole, pamakhala ndalama zolipirira mochedwa Rs. 500. GST imagwira ntchito pamalipiro ochedwa.
- Kubweza ngongole zokha: Ndalama za ePayLater zimachotsedwa ku akaunti yanu yosungira ndalama ku banki. Chifukwa chake, muyenera kukhala ndi ndalama zokwanira pa tsiku loyenera mu akaunti yosungira yolumikizidwa. Kuphatikiza apo, mutha kulipira ngongole zanu pogwiritsa ntchito njira yolipirira ya NEFT kapena UPI kuchokera ku akaunti yanu yosungira ngati muli ndi ngongole iliyonse.
III. Mapeto
Pambuyo pofufuza njira zina zapamwamba za LazyPay, zikuwonekeratu kuti pali njira zingapo zogulira "kugula tsopano, kulipira pambuyo pake" zomwe ogula ku India angapeze. Ngakhale pulogalamu iliyonse ili ndi mapindu ake ndi zovuta zake, Simpl imatuluka ngati chisankho chapamwamba kwa iwo omwe akufunafuna mwayi wopanda zovuta.
Chimodzi mwazinthu zodziwika bwino za Simpl ndi njira yake yobwezera ndalama komanso mphotho. Zimazisiyanitsa ndi mapulogalamu ena omwe ali m'dangali. Kuphatikiza apo, pulogalamuyi imangowonjezera malire a ngongole kwa ogwiritsa ntchito omwe ali oyenera zomwe zimapangitsa kuti ikhale yosangalatsa kwa omwe ali ndi zosowa zachuma.
Ubwino winanso waukulu wa Simpl ndi ndondomeko yake yolipira chiwongola dzanja ndi zero-processing. Izi zikutanthauza kuti ogwiritsa ntchito amatha kugula popanda kudandaula za ndalama zobisika.
Ngakhale kulipira kwa Simpl kwa masiku 15 kungakhale kosokoneza kwa ena, ndizovuta kupeza zolakwika zina zilizonse mu pulogalamuyi yosavuta kugwiritsa ntchito komanso yotsika mtengo. Zonse, Simpl ndi chisankho chabwino kwa aliyense amene akufuna njira yosavuta komanso yowonekera "kugula tsopano, kulipira pambuyo pake" ku India.
Siyani Mumakonda