Miyaad furtay dukaankaaga e-commerce, laakiin waxaad la yaaban tahay albaabka lacag bixinta ee aad dooranayso?
Waqtiyadan digitalization iyo koritaanka joogtada ah ee dukaamada E-commerce, ururada da'da cusub waa in ay qaataan tignoolajiyada cusub iyo hababka. Waxyaabaha ugu muhiimsan ee ganacsi kasta oo E-commerce ah waa maareynta lacagahaaga, markaa xulashada bixiyaha albaabka lacag bixinta saxda ah ayaa muhiim u ah guusha.
Iyada oo boqolaal xal lacag bixin ah la bilaabayo sannad kasta, dhammaantood waxay bixiyaan doorashooyin lacag-bixineed oo kala duwan, waxaad waydiin kartaa naftaada ikhtiyaarka ugu fiican ee ganacsigaaga.
Waa maxay albaabada lacag bixinta?
Albaabka lacag-bixintu waxa uu bixiyaa hab lacag-la'aan ah oo lacag-bixinaha onlaynka ah, isaga oo u shaqaynaya sidii buundo u dhaxaysa mareegta baayacmushtarka ama arjiga moobilka iyo bangiga. Kaliya hal gujin, waxaad si ammaan ah u bixin kartaa shay ama adeeg iyada oo aan lahayn tillaabo dheeri ah.
Markay tahay wakhtiga wax bixinta, website-ka baayacmushtarku wuxuu kuu soo diraa macluumaadka kaadhka deynta/kaarka deynta albaabka lacag bixinta ogolaanshaha. Ka dib markaad hubiso dhammaan faahfaahinta bangigaaga, kadinka lacag bixinta wuxuu fududeeyaa wareejinta tooska ah ee koontadaada oo loo wareejiyo kooda - fudud oo ammaan ah!
Sida laga soo xigtay Statista, Qaybta Lacag-bixinta Dijital ah ee Hindiya ayaa la filayaa inay ku fido heer cajiib ah oo ah 14.16% CAGR laga bilaabo 2023-2027, iyada oo lagu qiyaasay wadarta qiimaha wax kala iibsiga ee US$160.60bn sanadka 2023 iyo wadarta guud ee US$272.80bn dhamaadka 2027!
Kacaankan soo ifbaxaya wuxuu lama huraan u yahay in ganacsiyadu ay doortaan oo keliya marinnada lacag bixinta ugu wanaagsan ee macaamil ganacsi sugan iyo guusha ugu badan.
Anigoo tan maskaxda ku hayna, aan eegno 12-ka albaab ee lacag bixinta ugu fiican ee Hindiya oo aad ka dooran karto:
CCA goobta
CCAvenue waxay soo bandhigtaa wax kala beddelasho la fududeeyay, kaas oo ganacsigaaga ku kicin doona oo socon doona saacad keliya!
Waxaa aasaasay Vishal Metha 2007, Infibean waa shirkadda waalidka ee xarunteedu tahay Mumbai. Waxaa la soo wariyay in 85% ganacsatada Hindiya ay isticmaalayaan CCAvenue - taasoo caddaynaysa sida uu u guulaystay albaabkan!
In ka badan toban sano, CCAvenue waxa ay safka hore kaga jirtay wax kala iibsiga eCommerce ee Hindiya, iyada oo bixisa ku habboonaanta iyo amniga aan la soo koobi karin. Albaabka lacag bixinta, waxaad heli kartaa in ka badan 100 hab oo kala duwan sida kaararka deynta, kaararka deynta, xisaabaadka bangiga internetka, boorsada dhijitaalka ah, iyo EMI, oo leh ikhtiyaarka aad ku bixin karto lacago badan oo ay ku jiraan doolarka Mareykanka, GBP, iyo Rupees Hindida.
Features:
- Ku shaqaynta 27 lacagood oo waaweyn oo kala duwan.
- 18 luqadood oo Hindi ah oo kala duwan ayaa lagu daray bogga hubinta luqadaha badan.
- Aqbal lacagaha la'aanteed shahaadada PCI DSS
- Si badbaado leh u aqbal lacag bixinta IOS, Android, ama app kaaga
- 200+ hababka lacag-bixinta, oo ay ku jiraan doorashooyinka EMI
Qiimaha Ganacsiga:
- 2%.
- Dhammaan kaadhadhka deynta ee ajnabiga ah, qiimahiisu waa 4.99%
- 3% dhammaan kaadhadhka deynta ee ganacsiga gudaha/shirkadda
- 4% dhammaan Diners Club, American Express, iyo kaararka Amex EMI
Instamojo
Instamojo waa goob SME-gaaban oo siisa hal-abuurada Hindida wax kasta oo ay u baahan yihiin si ay ganacsigooda ugu socodsiiyaan khadka, oo ay ku jiraan dukaan si buuxda u shaqeeya, xalal lacag bixineed oo isku dhafan, iyo agab suuqgeyneed oo awood leh.
Taageerada Instamojo, in ka badan 15 lakh ganacsiyo madax-banaan ayaa aasaasay hawlo ganacsi e-ganacsi oo firfircoon si fudud oo aan dadaal lahayn. Albaabkan lacag bixinta ayaa ah xalka ugu fiican ee lacag looga ururin karo wax kala iibsiga baraha bulshada sida Facebook, WhatsApp, iyo Instagram. Waxaa intaa dheer, ganacsatadu waxay si dadaal la'aan ah ugu ururin karaan biilasha SMS ama iimaylka!
Features:
- Ka bixitaanku waa bilaash
- Koontada bangigaagu waxay ku degaysaa 3 maalmood gudahood
- Waxay taageertaa Magento, PrestaShop, OpenCart, iyo aaladaha kale ee ecommerce-ka waaweyn
- Waxa jira abka lacag bixinta ee telefoonnada Android-ka si ay u ururiyaan oo ay ula socdaan lacagaha
Qiimaha Ganacsiga:
- Kharashka dayactirka sannadlaha ah: ZERO
- Kharashka wax kala iibsiga:2% + Rs 3 wax kala iibsiga
PayU
PayU, waxaad awood u leedahay inaad si buuxda u habayn karto lacagahaaga dhijitaalka ah!
Way fududahay in lagu rakibo oo lagu isticmaalo OTP-ga asalka ah iyo hal-guji fursadaha lacag-bixinta ee wax kala iibsiga soo noqnoqda, oo ay la socoto lacag celin degdeg ah dhammaan macaamiishaada si ayan waligood u lumin. Intaa waxaa dheer, waxaad la socon kartaa macaamil kasta oo macaamil ganacsi si habsami leh ugu duuban mareegahaaga!
Features:
- Kaararka amaahda/debit-ka, bangiyada saafiga ah, UPI, boorsada jeebka, EMI-yada, iyo in ka badan waxaa aqbalaya Payu
- Waxay aqbashaa lacagaha adduunka oo dhan waxayna taageertaa lacago badan
- Software-ku wuxuu si sahal ah ula midoobaa meelaha lacag bixinta
- Isbeddelka astaanta waa suurtagal
Qiimaha Ganacsiga:
- Eber kharashka dayactirka sanadlaha ah
- American Express iyo Diners Cards waxay leeyihiin khidmad wax kala iibsiga 2% oo lagu daray GST macaamil kasta
- Waxaa jira khidmad 3% ah oo lagu daray GST oo ku saabsan wax kala iibsiga dibadda iyo beddelka lacag bixinta EMI
Paytm Payment Gateway
Paytm Payment Gateway waxa uu soo bandhigaa aamin, PCI-ku-xiran xal si ay uga caawiso samaynta xawaaladaha hillaaca-dhakhso leh iyada oo aan kharash dheeraad ah lagu hagaajin koontada. Ma aha oo kaliya albaabkan inuu aqbalo kaararka deynta/debit-ka, laakiin sidoo kale bangiyada saafiga ah, UPI, iyo fursadaha lacag bixinta jeebka Paytm!
Paytm waxa ay noqotay halbowle u ah nolosha dadka Hindiya oo dhan, laga soo bilaabo iibiyeyaasha yaryar ilaa kuwa tirada badan. Iyada oo la adeegsanayo tignoolajiyada sirta SSL ee Verisign-shahay, Paytm waxa ay beddeshay lacag-bixinta onlaynka ah iyada oo siisay ammaan iyo isku hallayn aan la qiyaasi karin.
Features:
- Firfircoonida degdega ah
- Is dhexgalka fudud ee 100+ ilo lacag-bixineed
- Heerarka guusha-in-fasalka ugu fiican
- Mid ka mid ah jeegaynta ugu caansan Hindiya
- Caawinaad go'an
Qiimaha Ganacsiga:
- Wax kala iibsiga UPI: 0% (Standard) iyo Rs. 5 ilaa 65 waajibaadkiiba (Is-diiwaangelinta)
- Paytm Wallet: 1.99%
- Kaarka Debit (Mastercard iyo Visa): 0.4 ilaa 0.9%
- Kaarka deynta Rupay: 0%
- Bangiga saafiga ah: 1.9%
- PG caalamiga ah: 2.9%
ICICI Payseal
ICICI Bank's ICICI Payseal wuxuu bixiyaa tignoolajiyad adag iyo xal bangi oo loogu talagalay shuruudo lacag-bixineed kasta oo e-ganacsi online ah.
Waa dabacsanaan, si fudud wax loo beddeli karo, waxaana lagu dhex dari karaa madal aad hadda ku sugan tahay waqti yar gudaheed. Ka faa'iidayso albaabkooda lacag bixinta wakhtiga dhabta ah ee nidaamka lacag bixinta intarneedka la isku halayn karo si aadan u waayin iibka cilad farsamo awgeed.
Features:
- Aqbala lacagaha Debit, Credit, UPI, Bharat QR, EMI, iyo Beddelka Lacagta Dhaqdhaqaaqa ah (DCC) si dadaal la'aan ah.
- Lacag bixinta casriga ah ee Android POS ee casriga ah iyo marinka maareynta ganacsiga ayaa wax ka qabta wax walba laga bilaabo aqbalida lacagaha ilaa la socodka iibka iyo agabka.
- Terminalka GPRS-ka fudud ee la qaadi karo wuxuu aqbalaa lacag-bixinno badan oo socdaalka ah wuxuuna ku beddelaa kaadhka bixinta kaarka marka la keenayo.
Qiimaha Ganacsiga:
- Halkii Aqoonsiga Ganacsadaha, is-dhexgalka qiimuhu waa Rs.50,000 oo lagu daray cashuurta adeegga ee aan la soo celin karin
- MID-yada dheeriga ah waxay ku kacayaan Rs.10,000
- Waxay ku dallacaan wax kala iibsiga VISA/Master Card 3.00% + canshuurta adeegga ee khidmadaha IMS, iyo wax kala beddelashada kaararka ajnabiga ah 4.00% + canshuurta adeegga
- Qiimaha kirada sanadlaha ah waa Rs.12,000 qiimaha wax kala iibsigana waxa uu ka yar yahay Rs.36 Lacs
PayKun
PayKun waa mid ka mid ah aaladaha lacag-bixinta ugu wanaagsan ee ganacsiyada, SME-yada, NGO-yada iyo noocyada ganacsiga e-commerce. Websaydhkeeda mobilada lagu hagaajiyay waxay taageertaa wax kala iibsiga QR iyo hababka kale ee caadiga ah - waxaa dheer, waxay ka dhigaysaa lacag celinta mid fudud hal gujin.
Ikhtiyaarada ku guuldareysiga lacag bixinta ayaa sidoo kale la heli karaa iyada oo ay la socoto lacagaha la iska diiwaan geliyo ganacsatada, sidaas darteed iyaga oo siinaya xakameyn dheeraad ah lacagtooda.
Features:
- Warqad la'aan, fudud, oo degdeg ah habka fuulista
- Is dhexgalka fudud oo bilaash ah oo mareegahaaga ah ama codsigaaga
- U Hogaansama PCI DSS v3.2.1 Heerka 1 (Heerka Ammaanka Xogta Warshadaha Kaadhka Lacag-bixinta)
- Waxay bixisaa qiime toos ah iyo in ka badan 120 doorasho lacag-bixineed
- Habka lacag celinta fudud ee macaamiisha hal gujis
Qiimaha Ganacsiga:
- Wax kala iibsiga gudaha, 1.75% oo lagu daray GST kasta oo khuseeya.
EaseBuzz
Waxaad si fudud ugu hagaajin kartaa nidaamka hubinta dhammaan macaamiishaada Easebuzz!
Waxay kuu ogolaanaysaa inaad aqbasho lacagaha laga helo ilo badan sida kaararka deynta, kaararka deynta, fursadaha bangiyada saafiga ah, boorsada gacanta ee UPI, Simpl, iyo Ola dib u bixinta qalab kasta si ammaan ah. Ka faa'iidayso goobteeda ganacsiga e-commerce ee hufan oo la isku halayn karo adiga oo si fudud ugu daraya mareegahaaga hadda.
Features:
- Waxay ka hortagtaa khiyaanada iyo dib u celinta
- Isku-dubbaridka albaabka lacag-bixinta ee shabakadaada e-commerce waxay dedejinaysaa hab-socodka lacag-bixinta
- Si fudud u habaynta lacag bixinta onlaynka ah oo leh hubin degdeg ah oo siman
- Waxay ilaalisaa baayacmushtarka iyo macaamiisha iyadoo siraysa dhammaan wax kala iibsiga
- 24/7 iibka iyo habaynta lacag bixinta
Qiimaha Ganacsiga:
- 4 rupees wax kala iibsiga ilaa 1000.
- Wax kala iibsi kastaa wuxuu ku kacayaa 5 Rupees inta u dhaxaysa 1000 iyo 25000.
- Kharashyada wax kala iibsiga oo ka badan Rs 25,000 waa 9 Rupes midkiiba.
BillDesk
Bill Desk waa xalka ugu habboon dhammaan baahiyahaaga lacag-bixineed ee maalinlaha ah.
Sida Unugga Hawlgelinta Lacag-bixinta ee Bharat Bill oo la aamini karo, oo ay leedahay Dawladda Hindiya, waxay bixisaa albaab badbaado leh oo ammaan ah oo lagu bixiyo Biilasha noocyada kala duwan sida biilasha taleefanka, biilasha gaasta, khidmadaha caymiska, khidmadaha adeeg bixiyaha internetka (ISP), kaarka deynta lacag-bixinno, iyo wax badan oo kale oo leh adeegyadeeda bangiyada ee ballaaran!
Features:
- Macaamiishu waxay samayn karaan lacag-bixin degdeg ah oo gujis ah iyaga oo aan soo galin app ama degel
- 170+ hababka lacag-bixinta - Dhammaan waxay ku jiraan hal xiriiriye
- Hubi wax kala iibsiga adiga oo isticmaalaya Furaha Hal mar
- Abuur xiriirinta lacag-bixinta, dir ogeysiisyada, oo la soco ururintaada wakhtiga dhabta ah adoo isticmaalaya is-dhexgal fudud oo dareen leh
Qiimaha Ganacsiga:
- 10 ilaa 50 rupees macaamil kasta iyo cashuurta adeega
PayPal
PayPal waa marin lacag bixineed caalami ah oo leh in ka badan 377 milyan oo xisaabaadyo ka diiwaan gashan in ka badan 200 oo waddan.
Haddii aad rabto inaad ka aqbasho lacagaha macaamiisha adduunka oo dhan, PayPal waa inay noqotaa lambarkaaga koowaad marka aad dooranayso albaabka lacag bixinta dukaankaaga E-commerce. Hababka ku habboon oo la isku halayn karo ayaa ka dhigaya PayPal doorasho ku habboon oo adeeg bixiyayaasha kale aanay si fudud ula jaan qaadi karin.
PayPal waxay u ogolaataa ganacsatadu inay ku dhex milmaan madalkooda oo ay ku aqbalaan lacag bixinta lacago badan. Tani waxay u sahlaysaa macaamiisha caalamiga ah inay wax ka iibsadaan dukaankaaga iyaga oo aan ka welwelin sarifka lacagaha marka ay bedelayaan lacagtooda. Intaa waxaa dheer, hababka ka hortagga khiyaanada ee PayPal ayaa ah kuwa ugu sarreeya khadka waxayna kaa caawin karaan in aad ka ilaaliso dukaankaaga dhaqdhaqaaqyada khiyaanada ah.
Features:
- Aqbala 100+ lacag.
- Leh 400+ milyan isticmaale iyo khibrad 20+ sano ah.
- Dejinta meheradda PayPal waxa ay kuu ogolaanaysaa in aad horumarto iyada oo aan dhibaato albaabka laga gelin.
- Waxay u isticmaashaa 128-bit sirta SLL si ay u ilaaliso.
- Eber kharashka dayactirka sannadkii.
- Appka PayPal wuxuu diyaar u yahay IOS iyo Android SDK labadaba.
- Oggolow wax kala iibsiga koodka QR
Qiimaha Ganacsiga:
- 5%+3 INR ganacsigiiba
Razorpay
Waxaa la aasaasay 2013 by Shashank Kumar iyo Harshil Mathur, Razorpay waa shirkad Hindi ah oo fintech ah oo bixisa xalal lacag bixineed oo dhamaystiran iibiyayaasha, iibiyaasha eCommerce, iyo ganacsatada. Nidaamkani wuxuu fududeeyaa dhammaan habka lacag-bixinta bilawga ilaa dhammaadka.
Ku kac meheraddaada oo ku socodsii daqiiqado gudahood habaynta dadaalla'aanta ee kadinka lacag bixinta ee Razorpay! Razorpay wuxuu kuu ogolaanayaa inaad aqbasho lacagaha macaamiisha iyada oo loo marayo doorashooyin badan, sida albaabbada lacag bixinta, isku xirka, boggaga, SmartCollect, iyo isdiiwaangelinta.
Intaa waxaa dheer, Razorpay waxay u taagan tahay firfircoonideeda degdegga ah ee hillaaca iyo is-dhexgalka fudud. Iyada oo la kaashanayo albaabkan, isticmaalayaashu waxay marin u helayaan Dashboard-ka kaas oo u oggolaanaya inay arkaan xogta iibka waqtiga-dhabta ah. Sidaa darteed, qof kasta, laga bilaabo kuwa iskood u shaqeysta iyo kuwa iskood u shaqeysta ilaa shirkado waaweyn, ayaa ka faa'iideystey sifooyinka amniga ee Razorpay iyo sahlanaanta isticmaalka.
Features:
- Is dhexgalka fudud oo leh SDK-yo si wanaagsan loo diiwaangeliyay, API-yada RESTful iyo plugins
- Taageerada 92 lacag
- Beddelka lacagta wakhtiga dhabta ah
- 100+ hababka lacag bixinta
- Khibrad sare inta lagu jiro hubinta
- Dejinta lacag bixinta degdega ah
- Warbixin iyo Falanqeyn Dhamaystiran
Qiimaha Ganacsiga:
- 2% ee kaararka deynta Hindiya, bangiyada saafiga ah, UPI
- 3% ee Macallimiinta iyo Kaararka Amex, Kaararka Caalamiga ah, EMI (Kaarka Debit, Kaarka Debit & Cardless) & Shirkadaha (Ganacsiga) Kaararka deynta
Lacagaha Lacag La'aanta ah
Lacag-bixinnada Lacag-La'aanta ah waa albaab lacag-bixineed oo Hindi ah iyo madal lacag-bixineed API ah oo fadhigeedu yahay Bangalore taasoo fududaysay guusha in ka badan 100,000+ baayacmushtar.
Waxaa aasaasay Reeju Datta iyo Akash Sinha 2015, Cashfree waxay bixisaa xalal lacag-bixineed khadka tooska ah ee ganacsiyada waaweyn iyo kuwa yaryar si loo xaqiijiyo badbaadada maaliyadeed. Albaabkan lacag bixinta waxa uu leeyahay xal loo yaqaan "Cashgram." Cashgram-ka, ganacsiyadu waxay si degdeg ah oo ammaan ah u ururin karaan lacagaha iyagoo u soo diraya isticmaaleyaashooda isku xirka shabakadda.
Features:
- 120+ fursadaha lacag bixinta
- Lacag celinta degdega ah oo ay ku jirto dalabka COD lacag celinta
- Ma jiro kharash dejinta
- Is dhexgalka sahlan ee degelka ee API-yada RESTful iyo JavaScript SDK
- Aqbala kaadhadhka, 75+ beddelka bangiyada Net, jeebadaha gacanta, UPI, NEFT, IMPS, iyo PayPal
- Waxay taageertaa in ka badan 32 lacag
Qiimaha Ganacsiga:
- Bangiyada saafiga ah, credit, iyo wax kala iibsiga kaadhka deynta ayaa 1.75% ka ah in ka badan 70 bangi.
- Kaadh la'aan iyo Bixi Hadhow: 2.5% halkii wax kala iibsiga ee EMI
- 3.5% lagu daray 7 INR wax kala iibsiga kaarka deynta caalamiga ah
HDFC Payment Gateway
Kadinka Payment Bank ee HDFC wuxuu ka dhigayaa mid aan dadaal lahayn macaamiisha inay ku bixiyaan biilasha iyagoo isticmaalaya bangiga internetka.
Adeeggeeda API waxa uu bixiyaa hab aan kala go 'lahayn oo ah aqbalka macaamilka kaadhka deynta si toos ah macaamiishaada oo uu la dhexgalo meheradaha caanka ah ee e-commerce sida WooCommerce iyo Shopify.
Iyada oo leh is-dhexgalkeeda saaxiibtinimo ee aadka u-isticmaalka ah iyo tignoolajiyada aadka u goysa, HDFC Payment Gateway ayaa ah xalka ugu fiican dhammaan shuruudaha lacag bixinta ee internetka.
Features:
- Fudud in la isku daro 100+ beddelka lacag bixinta
- 24-saac adeegga macaamiisha
- Hubinta degdega ah
- Madal wax kala iibsiga onlaynka ah oo sugan
- Kaliya HDFC akoonkeeda hadda ayaa hela lacag bixin, taasoo qaadanaysa hal maalin.
Qiimaha Ganacsiga:
- Dejinta qiimayaasha INR 20,000 + canshuurta adeega (hal mar iyo qadar aan la soo celin karin)
- Wax kala iibsiga kaarka deynta/debitku waa 3% -10% + cashuurta adeegga
- Kharashka dayactirka sannadlaha ah Rs.10,000
Ugu Dambeyn
Ikhtiyaar kasta oo kadinka lacag bixinta waa mid la isku halayn karo, sugan, oo ku haboon ganacsiyada inay ku aqbalaan lacagaha onlineka ah.
Tilmaamaha, khidmadaha, iyo sahlanaanta isticmaalku way kala duwan yihiin, markaa dooro midka ku habboon baahiyahaaga ganacsi. Markaad haysato albaab lacag bixineed oo sugan, waxaad awood u yeelan doontaa inaad si kalsooni leh oo fudud ku aqbasho lacagaha.
Hubi inaad si taxadar leh u hubiso door kasta ka hor inta aadan go'aanka gaarin!
Leave a Reply