Njira zovuta komanso zosavuta zopangira malipiro akunja ndi zakale. SALT.PE ikuthandizira komanso kufewetsa zochitika zapamalire, zomwe zikusintha makampani.
Mu positi iyi, tiwona maubwino ndi mawonekedwe a nsanja, komanso mawonekedwe ake osavuta kugwiritsa ntchito komanso chitetezo champhamvu.
Pulatifomu ya Salt.Pe ndiye yankho labwino pazosowa zanu zonse zokhudzana ndi kulipira malire, kaya ndinu munthu kapena bizinesi yomwe ikuyesera kukulitsa kufikira kwanu.
Chidule cha Salt.Pe ndi ntchito zake
Salt.Pe ndi kuyambika kwa fintech ku India komwe kudakhazikitsidwa pa Januware 13, 2020 ndi Udita Pal ndi Ankit Parashar. Kampaniyo idachokera ku Bengaluru, Karnataka ku India, ndipo imapereka yankho la neo-banki kuti muchepetse malipiro ndi zolemba zamabizinesi ang'onoang'ono ndi apakatikati.
Pulatifomuyi ikufuna kupereka yankho lokhazikika pazosowa zonse zamabanki apadziko lonse lapansi, makamaka pakulipira malire ndi kutsata. Ndi njira yatsopano yomwe imathandiza mabizinesi kuyang'ana m'dziko lovuta lamalipiro apadziko lonse lapansi komanso zofunikira pakutsata mosavuta.
Ndi salt.pe, mabizinesi amatha kuyang'ana pakukula ntchito zawo popanda kuda nkhawa ndi zovuta zamabanki apadziko lonse lapansi. Cholinga cha kampaniyo ndikupangitsa kuti mabanki apadziko lonse athe kupezeka kwa aliyense komanso kupatsa mphamvu mabizinesi amitundu yonse kuti awonjezere kufikira kwawo padziko lonse lapansi.
Koma kodi Cross-Border Payments ndi chiyani kwenikweni? Kodi timafunanso zimenezo?
Malipiro a malire ndi zochitika zachuma zomwe zimachitika pakati pa mabungwe omwe ali m'mayiko osiyanasiyana. Iwo ndi ofunikira kwambiri pothandizira zamalonda zapadziko lonse lapansi ndi ntchito zamabizinesi pachuma chapadziko lonse lapansi.
Malipiro amalire akukhala ofunika kwambiri ku India pamene dziko likukulitsa kufikira padziko lonse lapansi. Makamaka, makampani ang'onoang'ono ndi apakatikati (SMEs) ku India akufunika kwambiri njira zolipirira malire kuti athe kuthandizira ntchito zawo zamalonda zapadziko lonse lapansi.
Komabe, njira zolipirira zomwe zili m'malire aku India masiku ano zimakumana ndi zopinga zingapo, kuphatikiza zodula, nthawi yayitali yokonza, komanso zovuta zowongolera. Zopinga izi nthawi zambiri zimalepheretsa kukula kwa ma SME aku India ndikuchepetsa kuthekera kwawo kuchita nawo chuma chapadziko lonse lapansi.
Malipiro odutsa malire ndi ofunikira ku India chifukwa atha kuthandiza ma SME aku India kuthana ndi zotchinga izi ndikulowa m'misika yatsopano, kuwalola kupikisana padziko lonse lapansi ndikupititsa patsogolo chuma cha dzikolo.
Zotsatira zake, njira yabwino komanso yotsika mtengo yolipirira malire monga Salt.Pe ili ndi kuthekera kothandizira kwambiri mabizinesi ang'onoang'ono ndi apakati ku India pomwe ikuthandiziranso kukula kwachuma cha India.
Mavuto omwe amakumana nawo pamakampani awa
Inde, pali zopinga zina ndi malire omwe mabungwe omwe amalipira malire amakumana nawo, monga:
- Zolepheretsa zowongolera: Malipiro odutsa malire angaphatikizepo mayiko ambiri ndi zoletsa zawo, zomwe zimapangitsa kuti ntchitoyi ikhale yovuta komanso iwononge nthawi. Makampani akuyenera kutsimikizira kuti zonse zomwe zikuyenera kutsatiridwa, monga anti-money laundering (AML) ndi know-your-customer (KYC), zakwaniritsidwa.
- Mitengo yosinthira ndalama: Kusintha kwa kusintha kwa ndalama kungakhudze mtengo wa zochitika zodutsa malire komanso ndalama zomaliza zomwe wolandirayo walandira.
- Tumizani Ndalama: Kukwera mtengo kungapangitse kuti malipiro odutsa malire akhale okwera mtengo kwambiri kwa wotumiza ndi wolandira.
- Kusamutsa liwiro: Malipiro odutsa malire angatenge masiku angapo kuti afike kumene akupita, zomwe zingabweretse mavuto ndi kutaya nthawi.
- Security: Chifukwa kuchita zinthu m’malire kumakhudza ndalama zambiri, sachedwa kuchita zachinyengo ndiponso kuchita zachiwembu. Makampani omwe ali m'derali ayenera kutsimikizira kuti ali ndi chitetezo chokwanira kuti ateteze ndalama za ogula.
Tiyeni tione mmene Salt.Pe amachitira ndi mavuto amenewa!
Kodi muyenera kuyamba bwanji?
Kuyamba ndi Salt.Pe ndi njira yowongoka yomwe imatha kumalizidwa munjira zingapo zosavuta. Kuti ndithandizire kubweretsa zokumana nazo papulatifomu, ine ndekha ndidatenga nthawi yolembetsa patsamba la Salt.Pe.
Gawo loyamba ndikusankha mtundu wa bizinesi yanu, kaya ndinu kampani, mgwirizano, umwini, kapena wogwira ntchito pawokha. Kenako, mudzafunsidwa kuti mupereke zambiri monga dzina lanu, dziko lanu, imelo adilesi, kufotokozera zabizinesi, ndi zomwe zatuluka.
Mutavomerezana ndi zikhalidwe, mutha kusankha mayiko omwe mukuyembekezera kulandira malipiro. Chonde dziwani kuti pakhoza kukhala zolipiritsa zamayiko ena kupatula US, UK, Canada, ndi EU.
Zonse zikamalizidwa, mutha kulowa muakaunti yanu nthawi yomweyo.
Kusavuta kugwiritsa ntchito komanso chidziwitso chamakasitomala
Chimodzi mwazinthu zogulitsa kwambiri za Salt.Pe ndi kuphweka kwake kugwiritsa ntchito komanso chidziwitso chamakasitomala. Bungweli likudziwa zinthu ziwiri zazikulu zokhudzana ndi malipiro akunja: njira zowononga nthawi ndi malamulo ovuta.
Kuti athane ndi zovuta izi, Salt.Pe yapanga nsanja yake kuti ichepetse nthawi yogulitsira ndikuthandizira makasitomala kuyang'anira malamulo ofunikira. Kupanda kutero, kampaniyo yasinthanso $ Miliyoni 15 muzochitika ndi malipiro akunja osavuta komanso opanda nkhawa.
Makasitomala sakuyeneranso kuvutika ndi kuchedwa kwanthawi yayitali komanso kovutirapo, zolipiritsa zotsika mtengo, kapena kusowa thandizo la digito ndi Salt.Pe. Maonekedwe osavuta kugwiritsa ntchito nsanja komanso kuyenda molunjika kumapangitsa kukhala njira yabwino kwambiri kwa aliyense amene akufuna kuwongolera njira zawo zolipirira padziko lonse lapansi.
Chitetezo ndi zidziwitso zamunthu ndi zachuma za wogwiritsa ntchito
Salt.Pe imatenga udindo wake woteteza zambiri za ogwiritsa ntchito komanso zachuma mozama kwambiri. Bungwe latenga njira zonse zofunika kuteteza chitetezo cha makasitomala ake. Yakhala ikugwirizana ndi mabanki omwe amayang'aniridwa ndi Reserve Bank of India (RBI), komanso olamulira a kampani iliyonse yomwe imagwira nawo ntchito, kutsimikizira kuti zochitika zonse zikugwirizana ndi miyezo yamakampani.
Kuphatikiza pa maubwenzi ake ndi mabanki oyendetsedwa, Salt.Pe imagwiritsanso ntchito ukadaulo wapamwamba kuteteza zambiri za ogwiritsa ntchito. Kuchokera kumapeto mpaka kumapeto kwa data mpaka kumapeto kwa ma protocol achitetezo chamitundu ingapo, kampaniyo yadzipereka kupatsa ogwiritsa ntchito mtendere wamalingaliro.
Ndi Salt.Pe, mutha kukhala otsimikiza kuti zambiri zanu komanso zachuma ndizotetezeka 100%. Kaya mukulipira malire kapena mukungosunga zambiri zanu, Salt.Pe yakuphimbani.
Ubwino wa chithandizo chamakasitomala
Ngakhale kuti ndi kampani yaying'ono, Salt.Pe imatenga chithandizo chamakasitomala mozama. Ngakhale kuti sipangakhale njira zambiri zolumikizirana ndi kampaniyo, iwo aika patsogolo kukhalapo kuti athe kuthana ndi madandaulo aliwonse omwe makasitomala awo angakhale nawo.
Makasitomala atha kufikira gulu la Salt.Pe potumiza maimelo [imelo ndiotetezedwa], kumene gulu lodzipereka lokonzekera lidzayankha mafunso awo mwamsanga. Pamene kampaniyo ikukulirakulira, ikhoza kukulitsa chithandizo chamakasitomala, koma pakadali pano, aika patsogolo kuti ipezeke ndikumvera zosowa za makasitomala ake.
Transparency ndi malipiro
Ponena za kuwonekera ndi malipiro, Salt.Pe imapereka njira yomveka bwino komanso yowongoka. Pali palibe malipiro olembetsa ndipo nsanja imalipira kokha 1.75% pakuchita kulikonse. Ndalamazi zimalipira chilichonse, popanda zolipiritsa zobisika, zolembetsa, kapena zolipiritsa pachaka.
Kuonjezera apo, Salt.Pe salipiritsa chindapusa chilichonse pakutembenuza, m'malo mwake, kutsatira mulingo woperekedwa ndi Google pakutembenuza INR. Izi zimapangitsa kuti makasitomala amvetsetse mtengo wake komanso kuti asawononge ndalama zosayembekezereka.
Ndi mlingo uwu wa kuwonekera, ogwiritsa ntchito akhoza kukhala ndi chidaliro kuti ndalama zawo zidzakhala zodziwikiratu komanso zoyendetsedwa bwino, ngakhale pazochitika zazikulu zodutsa malire.
Zatsopano ndi mawonekedwe apadera operekedwa ndi kampaniyo
Salt.Pe ili ndi zinthu ziwiri zazikuluzikulu- (1) Kutumiza Kwamkati, ndi (2) Mchere wa Table. Tiyeni tione aliyense payekhapayekha.
(i) Ndalama Zakunja
Salt.Pe ili ndi ntchito yapadera yotchedwa "Kutumiza kwamkati” zomwe cholinga chake ndi kuthandiza makampani ang'onoang'ono kulandira ndalama kuchokera kumayiko akunja. Izi zimathandiza makampani ang'onoang'ono kutsegula m'deralo maakaunti kubanki mu ndalama zazikulu zisanu ndi chimodzi, kuphatikizapo GBP, AUD, USD, EUR, HKD, ndi SGD, popanda kufunikira kwa nthambi yakunja.
Kuti muyambe, ingolembetsani patsamba la Salt.Pe, malizitsani njira za KYC ndi KYB, ndikupeza maakaunti akubanki akumaloko kuti mulandire ndalama zakunja. Makasitomala amatha kulipira kwanuko ndikusamutsa ndalama kumaakaunti awo akumaloko kudzera mu Inward Remittance, ndipo ndalamazo zitumizidwa ku akaunti yawo yaku India mkati mwa maola 24.
Mbali yapaderayi sikuti imangochepetsa nthawi ndi mphamvu zomwe zimagwirizanitsidwa ndi malipiro apadziko lonse komanso zimapereka njira yachangu komanso yothandiza kuti mabizinesi ang'onoang'ono alandire ndalama kuchokera kunja.
(ii) Mchere wa Table
Komabe, kugulitsa padziko lonse lapansi sikophweka nthawi zonse monga momwe kungawonekere. Zimaphatikizapo zovuta zambiri ndi zochitika zomwe ziyenera kutsatiridwa. Apa ndipamene gawo lomwe likubwera la Salt.Pe, 'Mchere wamtambo' akuyamba kusewera.
Chida ichi, chomwe chidakali mu beta, chimapangidwira oyambitsa achichepere kuti azingopanga njira yopezera ndalama.
Mothandizidwa ndi 'Table Salt', mutha kutsegula akaunti yayikulu m'maola 48 okha ndikulandila ndalama mu maola 24. Chidachi chimayang'aniranso kutsata ndalama zisanachitike, komanso kutsata ndalama pambuyo pa RBI, MCA, ndi FEMA kwa ndalama zakunja, ndikupereka kuwonekera kwathunthu mu ndondomeko ya ndalama.
Kuonjezera apo, cholinga chake ndi kupanga zochitika zakunja kuti zitheke kudzera mu UPI pofika chaka cha 2025. Ndi kusungitsa mwachangu mafomu a FIRC ndi FCGPRS, kutsika mtengo pamitengo ya forex, ndi kutuluka popanda zovuta ndi zikalata zovomerezeka, 'Table Salt' yakhazikitsidwa kuti isinthe momwe oyambira achichepere amachitira malonda awo akunja.
Kodi FIRC Certification ndi chiyani
Satifiketi ya FIRC (Foreign Inward Remittance Certificate) ndi chikalata chomwe chimagwira ntchito ngati umboni wa kutumizidwa kwa ndalama zakunja ku India. Amaperekedwa ndi mabanki ku India kwa makasitomala omwe adalandira ndalama zakunja.
Satifiketi ya FIRC ndi chikalata chofunikira chofunidwa ndi Reserve Bank of India (RBI) kuti iziwongolera mabizinesi akunja ndi kutumiza ku India.
Satifiketiyo imatsimikizira kuti ndalama zakunja zalandilidwa kudzera mwalamulo komanso zovomerezeka. Pakulandira satifiketi ya FIRC, mabizinesi amatha kuwonetsa zowona zamalonda awo akunja, kupangitsa kuti zikhale zosavuta kuyang'anira kutsata pambuyo popereka ndalama ndi zina zokhudzana ndi ndalama zakunja.
Zomwe zikubwera za Salt.Pe 'Table Salt' ikufuna kupanga njira yopezera certification ya FIRC mwachangu komanso yosavuta poyambira.
Payoneer VS Salt.Pe
Kodi Payoneer ndi chiyani
Payoneer ndi ntchito yolipira kwambiri yochokera ku Merchant Stronghold yomwe ili ku Clearwater, Florida. Imapereka yankho losavuta komanso lathunthu kwa mabizinesi amitundu yonse kuti azitha kuyang'anira zolipira zawo.
Ndi kupezeka kwa zida zoyendetsera zolipirira zapamwamba, monga makina a POS, ma terminals enieni, komanso kuphatikizika kwatsamba lawebusayiti, Payoneer imapangitsa kuti mabizinesi azitha kukonza zolipira ndikulandila ndalama kuchokera kwa makasitomala mosavuta.
Kuyang'ana kwa Payoneer pakupereka maakaunti amalonda omwe ali pachiwopsezo chachikulu komanso akunyanja kumapatsa mphamvu mabizinesi kuti awonjezere kufikira kwawo ndikukula popanda kukumana ndi zopinga zomwe zimagwirizanitsidwa ndi njira zachikhalidwe zolipirira.
Ndi iti yabwinoko?
Payoneer ndi nsanja yokhazikitsidwa bwino yomwe imapereka digito FIRC yaulere ndi woyang'anira sitolo wodzipereka kuti aziyang'anira masitolo anu angapo m'misika. Zawo utumiki wa escrow ndi wotchuka Mbali kuti amaonetsetsa wotuluka chilungamo pakati owerenga ake.
Komabe, ngakhale kuti ndi chimphona mu malonda, Payoneer wakhala akuvutika kuti akhazikitse njira yothandizira makasitomala omvera komanso yofikirika, yomwe ingakhale yovuta kwambiri.
Kumbali inayi, Salt.Pe ndi nsanja yatsopano yomwe cholinga chake ndi kupereka mwayi kwa mabizinesi omwe akuyang'ana kuyendetsa bwino ntchito zawo. Salt.Pe ndi yapadera chifukwa imapereka yankho lathunthu loyang'anira kutsata ndalama zisanachitike komanso pambuyo popereka ndalama, ndikuwonetsetsa momwe ndalama zikugwirira ntchito.
Pulatifomuyi imaperekanso njira yotulutsira popanda zovuta ndi zikalata zovomerezeka komanso kusungitsa mwachangu mafomu a FIRC ndi FCGPRS. Zinthu izi, kuphatikiza ndi kutsindika kwa Salt.Pe ntchito yabwino yamakasitomala zimapangitsa kukhala chisankho chokondedwa kwa mabizinesi omwe akufunafuna nsanja yodalirika komanso yothandiza kuti azitha kuyang'anira zochitika zawo.
Mapeto ndi mavoti onse
Pomaliza, Salt.Pe ndi nsanja yomwe imapereka njira yapadera yolipira malire ndipo idapangidwa bwino. Mabizinesi amatha kulandira ndalama kuchokera kumayiko angapo mosavuta chifukwa chakusintha kwanjira yolipira.
The mwachilengedwe wosuta mawonekedwe ndi zothandizadi kasitomala thandizo ndi ubwino.
Pulatifomu ndi mpikisano wamphamvu pamsika wolipira malire chifukwa cha zinthu zosiyanasiyana. Zingatenge nthawi, chifukwa cha kusakhwima kwake, tisananene molimba mtima kuti zidzasintha gawo la malipiro a malire.
Koma nsanjayo ili ndi malonjezo ambiri, kotero ndikofunikira kumvetsera.
Pazonse, Salt.Pe amalandira 8 mwa 10!
Siyani Mumakonda