Ngaba sele usungule ivenkile yakho ye-e-commerce, kodwa uyazibuza ukuba leliphi isango lokubhatala oza kukhetha?
Kula maxesha edijithali kunye nokukhula okuqhubekayo kweevenkile ze-E-commerce, imibutho yeminyaka emitsha kufuneka yamkele itekhnoloji kunye neenkqubo ezintsha. Eyona nto ibaluleke kakhulu kulo naliphi na ishishini le-E-commerce kukulawula iintlawulo zakho, ngoko ke ukukhetha umboneleli wesango lokuhlawula ofanelekileyo kubaluleke kakhulu kwimpumelelo.
Ngamakhulu ezisombululo zentlawulo ezisungulwa ngonyaka ngamnye, zonke zibonelela ngeendlela ezahlukeneyo zokuhlawula, unokuzibuza ukuba yeyiphi eyona ndlela ilungileyo kwishishini lakho.
Athini amasango entlawulo?
Isango lokuhlawula libonelela ngendlela engenangxaki yokwenza iintlawulo kwi-Intanethi, esebenza njengebhulorho phakathi kwewebhusayithi yomthengisi okanye usetyenziso lweselula kunye nebhanki. Ngokucofa nje kube kanye, unokuhlawulela ngokukhuselekileyo into okanye inkonzo ngaphandle kwamanyathelo ongezelelweyo.
Xa ilixesha lokuhlawula, iwebhusayithi yomthengisi ithumela iinkcukacha zakho zedebhithi/yekhadi letyala kwisango lokuhlawula ukuze ligunyaziswe. Emva kokuqinisekisa zonke iinkcukacha ngebhanki yakho, isango lokuhlawula liququzelela ukudluliselwa ngokuzenzekelayo kwi-akhawunti yakho ukuya kweyabo-ilula kwaye ikhuselekile!
Ngoku ka Statist, Icandelo leeNtlawulo zeDijithali yaseIndiya kulindeleke ukuba likhule ngesantya esimangalisayo se-14.16% CAGR ukusuka kwi-2023-2027, kunye nexabiso eliqikelelweyo leTransaction ye-US $ 160.60bn ngo-2023 kunye nexabiso eliqikelelweyo le-US $ 272.80bn ekupheleni kuka-2027!
Olu tshintsho lukhulayo lufuna ukuba amashishini akhethe kuphela awona masango angcono okuhlawula iintengiselwano ezikhuselekileyo kunye nempumelelo ephezulu.
Unale nto engqondweni, makhe sijonge amasango ali-12 angcono entlawulo eIndiya onokukhetha kuwo:
I-CCAvenue
I-CCAvenue ibonelela ngotshintshiselwano olulula, oluya kwenza ishishini lakho lisebenze ngeyure nje enye!
Yasekwa nguVishal Metha ngo-2007, i-Infibean yinkampani yabazali kunye nekomkhulu layo eMumbai. Kuye kwaxelwa ukuba i-85% yabathengisi baseNdiya basebenzisa i-CCAvenue - ebonisa ukuba iphumelele kangakanani le sango!
Ngaphezulu kweminyaka elishumi, iCCAvenue ibiphambili kwintengiselwano ye-eCommerce eIndiya, ibonelela ngokulula kunye nokhuseleko olungenakuthelekiswa nanto. Ngesango labo lokuhlawula, unokufikelela kwiindlela ezingaphezulu kwe-100 ezahlukeneyo ezifana namakhadi okuthenga ngetyala, amakhadi ebhanki, iiakhawunti zebhanki ze-intanethi, izipaji zedijithali, kunye ne-EMI, kunye nokukhetha ukuhlawula ngeemali ezininzi kubandakanya iidola zase-US, i-GBP, kunye ne-Indian Rupees.
Iimbonakalo:
- Ukusetyenzwa kwiimali ezinkulu ezahlukeneyo ezingama-27.
- Iilwimi ezili-18 ezahlukeneyo zaseIndiya zibandakanyiwe kwiphepha lokuphuma ngeelwimi ezininzi.
- Yamkela iintlawulo ngaphandle koqinisekiso lwePCI DSS
- Yamkele ngokukhuselekileyo iintlawulo kwi-iOS yakho, i-Android, okanye i-Windows app
- 200+ iindlela zokuhlawula, kuquka iinketho EMI
Imali yokuThengisa:
- I-2% yazo zonke iintengiselwano zasekhaya zisebenzisa amakhadi etyala/ebhanki, izipaji zedijithali, ibhanki enetha, kunye ne-UPI.
- Kuwo onke amakhadi ebhanki angaphandle/amatyala, ireyithi yi-4.99%
- I-3% yawo onke amashishini asekhaya/amakhadi etyala eshishini
- I-4% yazo zonke i-Diners Club, i-American Express, kunye namakhadi e-Amex EMI
I-Instamojo liqonga le-SME elicuthayo elinika oosomashishini baseIndiya yonke into abayidingayo ukuze baqhube amashishini abo kwi-Intanethi, kubandakanywa nevenkile esebenza ngokupheleleyo, izisombululo zentlawulo ezihlanganisiweyo, kunye nezixhobo ezinamandla zokuthengisa.
Ngenkxaso ye-Instamojo, ngaphezulu kwe-15 lakh amashishini azimeleyo aseke imisebenzi esebenzayo ye-e-commerce ngokulula. Eli sango lokuhlawula sisisombululo esifanelekileyo sokuqokelela imali kwiintengiselwano kumaqonga eendaba ezentlalo ezifana ne-Facebook, WhatsApp, kunye ne-Instagram. Ngapha koko, abarhwebi banokuqokelela amatyala abo ngeSMS okanye nge-imeyile!
Iimbonakalo:
- Ukutsalwa kwemali simahla
- Iakhawunti yakho yebhanki ihlawulwe ngeentsuku ezi-3
- Ixhasa iMagento, iPrestaShop, i-OpenCart, kunye namanye amaqonga amakhulu eCommerce
- Kukho i-app yentlawulo efunwayo yeefowuni ze-Android ukuqokelela nokulandelela iintlawulo
Imali yokuThengisa:
- Intlawulo yonyaka yokulungisa: ZERO
- Umrhumo wokuthengiselana :2% + Rs 3 ngentengiselwano nganye
I-PayU
Nge-PayU, unamandla okwenza ngokwezifiso iintlawulo zakho zedijithali!
Kulula ukuseta kwaye usebenzise kunye ne-OTP yendalo kunye nokucofa okukodwa kwintlawulo yokukhetha ukwenzeka kwentengiselwano, kunye nembuyiselo yangoko nangoko kubo bonke abathengi bakho ukuze bangaphulukani. Ukongeza, unokulandela umkhondo wayo yonke intengiselwano yabathengi kwi-roll-up ecocekileyo kwiwebhusayithi yakho!
Iimbonakalo:
- Amakhadi etyala/ebhanki, ibhanki yenetha, i-UPI, izipaji, ii-EMIs, nokunye kwamkelwe nguPayu
- Yamkela iintlawulo zehlabathi kwaye ixhasa iimali ezininzi
- Isoftware idibanisa ngokulula kunye neeplatifti zokuhlawula lula
- Ukwenziwa ngokwezifiso kwebhrendi kunokwenzeka
Imali yokuThengisa:
- Azikho umrhumo wonyaka wolondolozo
- I-American Express kunye ne-Diners Cards zinentlawulo yokuthengiselana ye-2% kunye ne-GST kwintengiselwano nganye
- Kukho umrhumo we-3% kunye ne-GST kwiintengiselwano zangaphandle kunye neendlela ezizezinye zentlawulo ze-EMI
Paytm Payment Gateway
I-Paytm Payment Gateway ibonelela ngesisombululo esikhuselekileyo, esithobela i-PCI sokunceda ukunikezela ngeentengiselwano ezikhawulezayo ngombane ngaphandle kweendleko ezongezelelweyo zokuseta iakhawunti okanye ukugcinwa. Ayineli nje ukuba eli sango lamkele amakhadi okuthenga ngetyala/lebhanki, kodwa kunye neebhanki, i-UPI, kunye neenketho zokuhlawula i-wallet ye-Paytm!
I-Paytm iye yaba yeyona nto iphambili kubomi babantu kulo lonke elaseIndiya, ukusuka kubathengisi abancinci ukuya kubantu abaninzi. Ngeteknoloji ye-SSL eqinisekisiweyo ye-Verisign, i-Paytm iguqule iintlawulo ze-intanethi ngokubonelela ngokhuseleko olungenakulinganiswa kunye nokuthembeka.
Iimbonakalo:
- Ukuqalisa ngokukhawuleza
- Ukuhlanganiswa okulula kwe-100+ yemithombo yentlawulo
- Amazinga empumelelo akwinqanaba eliphezulu
- Enye yezona zidumileyo zokuphuma eIndiya
- Uncedo oluzinikeleyo
Imali yokuThengisa:
- Intengiselwano ye-UPI: 0% (Esemgangathweni) kunye ne-Rs. 5 ukuya 65 ngomyalelo ngamnye (Umrhumo)
- I-Paytm Wallet: 1.99%
- I-Debit Card (i-Mastercard kunye ne-Visa): 0.4 ukuya kwi-0.9%
- Ikhadi ledebhithi yeRupay: 0%
- Ukubhankisha ngeNet: 1.9 %
- I-PG yamazwe ngamazwe: 2.9%
I-ICICI Payseal
I-ICICI yeBhanki ye-ICICI Payseal ibonelela ngeteknoloji eyomeleleyo kunye nesisombululo sebhanki kuyo nayiphi na i-e-Commerce yeemfuno zentlawulo ye-intanethi.
Iyaguquguquka, inokwenzeka ngokulula, kwaye inokudityaniswa kwiqonga lakho elikhoyo kungekudala. Sebenzisa isango labo lokuhlawula ngexesha lokwenyani kwinkqubo yentlawulo ye-intanethi ethembekileyo ukuze ungaphoswa yintengiso ngenxa yobunzima bobugcisa.
Iimbonakalo:
- Yamkela iDebit, Credit, UPI, Bharat QR, EMI, kunye neDynamic Currency Conversion (DCC) iintlawulo ngaphandle komgudu.
- Intlawulo ephucukileyo ye-POS ye-Android kunye netheminali yolawulo lweshishini iphatha yonke into ukusuka ekwamkeleni iintlawulo ukuya ekulandeleni intengiso kunye noluhlu lweempahla.
- Itheminali yeGPRS ekhaphukhaphu nephathwayo yamkela iintlawulo ezininzi ekuhambeni kwaye ithatha indawo yekheshi ekuzisweni ngekhadi ekuzisweni kwayo.
Imali yokuThengisa:
- NgeSazisi soMrhwebi omnye, ukudityaniswa kubiza i-Rs.50,000 kunye nerhafu yenkonzo engabuyiswayo
- Ii-MID ezongezelelweyo zibiza i-Rs.10,000
- Babiza iintengiselwano ze-VISA / Master Card 3.00% + irhafu yenkonzo yeefizi ze-IMS, kunye neentengiselwano zekhadi langaphandle 4.00% + irhafu yenkonzo
- Iindleko zokurenta ngonyaka yi-Rs.12,000 kwaye ixabiso lentengiselwano lingaphantsi kwe-Rs.36 Lacs
PayKun
I-PayKun iphakathi kwawona maqonga entlawulo angcono kumashishini, ii-SME, ii-NGOs kunye ne-e-Commerce brands. Iwebhusayithi yayo eyenziwe ngeselula ixhasa intengiselwano ye-QR kunye nezinye iindlela ezingagqibekanga - kunye, yenza ukubuyiselwa kwemali kube lula ngonqakrazo nje olunye.
Iinketho zokungaphumeleli kwentlawulo zikwafumaneka kunye neentlawulo zobhaliso kubarhwebi, ngaloo ndlela zibanika ulawulo olungaphezulu kwimali yabo.
Iimbonakalo:
- Inkqubo engenamaphepha, elula, kwaye ekhawulezayo yokukhwela
- Udibaniso olulula kunye nolungenandleko lweqonga kunye newebhusayithi okanye isicelo sakho
- Iyahambelana nePCI DSS v3.2.1 iNqanaba loku-1 (uMgangatho woKhuseleko lweDatha yoShishino lweKhadi leNtlawulo)
- Inikeza amaxabiso acacileyo kunye neenketho zentlawulo ezingaphezu kwe-120
- Inkqubo elula yokubuyisela imali kubathengi ngokucofa kanye
Imali yokuThengisa:
- Ngeentengiselwano zasekhaya, i-1.75% kunye nayo nayiphi na i-GST esebenzayo.
EaseBuzz
Unokwenza lula inkqubo yokuphuma kubo bonke abathengi bakho nge-Easebuzz!
Ikuvumela ukuba wamkele iintlawulo ezivela kwimithombo emininzi efana namakhadi okuthenga ngetyala, amakhadi ebhanki, iinketho zebhanki, i-UPI wallets, i-Simpl, kunye ne-Ola ehlawulwa ngokukhuselekileyo kuso nasiphi na isixhobo. Thatha ithuba leqonga layo le-e-commerce elisebenzayo nelithembekileyo ngokulidibanisa ngokulula kwiwebhusayithi yakho yangoku.
Iimbonakalo:
- Ithintela ubuqhophololo kunye nokuhlawuliswa
- Ukudibanisa isango lokuhlawula kunye newebhusayithi yakho ye-e-commerce ikhawulezisa ukusetyenzwa kwentlawulo
- Ihambisa inkqubo yokuhlawula kwi-Intanethi ngokuphuma ngokukhawuleza nangokutyibilikayo
- Ikhusela abarhwebi kunye nabathengi ngokufihla zonke iintengiselwano
- I-24/7 yokuthengisa kunye nokulungiswa kwentlawulo
Imali yokuThengisa:
- I-4 rupees yokuthengiselana ukuya kwi-1000.
- Intengiselwano nganye ixabisa iiRupee ezi-5 phakathi kwe-1000 kunye ne-25000.
- Iintlawulo zentengiselwano zizonke ezingaphezulu kwe-Rs. I-25,000 yi-9 Rupees nganye.
UMthetho oYilwayo
Idesika yeBill sisisombululo esifanelekileyo kuzo zonke iimfuno zakho zemihla ngemihla zokuhlawula.
NjengeYunithi yokuSebenza yeBharat ethembekileyo yeBhili, ephethwe nguRhulumente waseIndiya, ibonelela ngesango elikhuselekileyo nelikhuselekileyo lokuhlawula iiBhili zeentlobo ezahlukeneyo ezifana namatyala efowuni, amatyala egesi, iintlawulo zeinshorensi, iifizi zomboneleli wenkonzo ye-intanethi (ISP), ikhadi letyala. iintlawulo, kunye nokunye okuninzi ngeenkonzo zayo zebhanki ezinkulu!
Iimbonakalo:
- Abathengi banokwenza ucofa ngokukhawuleza-ngokuhlawula ngaphandle kokungena kwi-app okanye iwebhusayithi
- Iindlela ze-170+ zokuhlawula - Zonke kwikhonkco enye
- Khusela intengiselwano ngokusebenzisa amagama okugqithisa exesha elinye
- Yenza amakhonkco entlawulo, thumela izaziso, kwaye ulandelele ingqokelela yakho ngexesha lokwenyani usebenzisa ujongano olulula nolucacileyo
Imali yokuThengisa:
- I-10 ukuya kwi-50 rupees kwintengiselwano nganye kunye nerhafu yenkonzo
PayPal
I-PayPal lisango lentlawulo lehlabathi elineeakhawunti ezibhalisiweyo ezingaphezu kwezigidi ezingama-377 kumazwe angaphezu kwama-200.
Ukuba ufuna ukwamkela iintlawulo ezivela kubathengi kwihlabathi liphela, i-PayPal kufuneka ibe yeyona nto ikhethiweyo xa ukhetha isango lentlawulo kwivenkile yakho ye-E-commerce. Iindlela zayo ezifanelekileyo nezithembekileyo zenza i-PayPal ibe yeyona ndlela ifanelekileyo abanye ababoneleli ngenkonzo abangakwaziyo ukuyidibanisa ngokulula.
I-PayPal ivumela abarhwebi ukuba badibanise kunye neqonga labo kwaye bamkele iintlawulo kwiimali ezininzi. Oku kwenza kube lula kubathengi bamazwe aphesheya ukuba bathenge kwivenkile yakho ngaphandle kokukhathazeka malunga nezinga lotshintshiselwano xa beguqula imali yabo. Ngaphaya koko, iinkqubo zokuthintela ubuqhophololo ze-PayPal ziphezulu-kumgca kwaye zinokunceda ukugcina ivenkile yakho ikhuselekile kwimisebenzi yobuqhophololo.
Iimbonakalo:
- Yamkela 100+ zemali.
- Unabasebenzisi abazizigidi ezingama-400+ kunye neminyaka engama-20+ yamava.
- Isetingi yeshishini lePayPal ikuvumela ukuba uphuhlise ngaphandle kobunzima besango.
- Isebenzisa i-128-bit SLL encryption yokhuseleko.
- Azikho intlawulo yesondlo yonyaka.
- I-app ye-PayPal iyafumaneka kuzo zombini i-iOS kunye ne-Android SDK.
- Ivumela ukuthengiselana ngekhowudi yeQR.
Imali yokuThengisa:
- 5% + 3 INR ngentengiselwano nganye
Razorpay
Yasekwa ngo-2013 nguShashank Kumar kunye noHarshil Mathur, iRazorpay yinkampani yaseIndiya ye-fintech ebonelela ngezisombululo zentlawulo ezibanzi kubathengisi, abathengisi be-eCommerce, kunye nabarhwebi. Le nkqubo yenza lula yonke inkqubo yentlawulo ukusuka ekuqaleni ukuya ekupheleni.
Fumana ishishini lakho kwaye liqhube ngemizuzu kunye nokuseta ngaphandle komgudu wesango lokuhlawula iRazorpay! I-Razorpay ikuvumela ukuba wamkele iintlawulo zabathengi ngeendlela ezininzi, njengamasango okuhlawula, amakhonkco, amaphepha, i-SmartCollect, kunye nemirhumo.
Ngapha koko, iRazorpay igqamile ngokusebenza kwayo ngokukhawuleza kombane kunye nokudityaniswa lula. Ngoncedo lwale sango, abasebenzisi bafumana ukufikelela kwiDashboard ebavumela ukuba bajonge idatha yokuthenga ngexesha langempela. Ke ngoko, wonke umntu, ukusuka kwii-freelancers kunye nabantu abazisebenzelayo ukuya kuthi ga kwiinkampani ezinkulu, uye waxhamla kwiimpawu zokhuseleko zeRazorpay kunye nokulula kwayo ukusetyenziswa.
Iimbonakalo:
- Ukuhlanganiswa okulula kunye nee-SDK ezibhalwe kakuhle, ii-APIs ezigcweleyo kunye neeplagi
- Inkxaso yeemali ezingama-92
- Ukuguqulwa kwemali ngexesha langempela
- 100+ iindlela zokuhlawula
- Amava aphezulu ngexesha lokuphuma
- Uhlaliso lwentlawulo ekhawulezileyo
- Ingxelo eBanzi kunye noHlahlelo
Imali yokuThengisa:
- I-2% kwi-debit / credit card yase-India, ibhanki ye-net, i-UPI
- I-3% kwiiDiners kunye neeKhadi ze-Amex, iiKhadi zaMazwe ngaMazwe, i-EMI (iKhadi leTyala, iKhadi leDebhithi kunye neKhadi ngaphandle kweKhadi) kunye neeKhadi zeThredithi zeNkampani (iShishini)
Iintlawulo zeCashfree
I-Cashfree Payments lisango lentlawulo laseIndiya elinguvulindlela kunye neqonga lokuhlawula i-API elisekelwe e-Bangalore eliye laququzelela impumelelo yabarhwebi abangaphezu kwe-100,000+.
Yasekwa nguReeju Datta kunye no-Akash Sinha kwi-2015, i-Cashfree inikezela ngezisombululo zentlawulo ye-intanethi engenamthungo kumashishini amakhulu kunye namancinci ukuqinisekisa ukhuseleko lwezemali. Eli sango lentlawulo linesisombululo esibizwa ngokuba yi "Cashgram." NgeCashgram, amashishini anokukhawuleza kwaye aqokelele iintlawulo ngokukhuselekileyo ngokuthumela abasebenzisi bawo ikhonkco lewebhu.
Iimbonakalo:
- 120+ iinketho zokuhlawula
- Imbuyekezo ekhawulezileyo kuquka ukubuyiselwa kweodolo yeCOD
- Akukho xabiso lokuseta
- Ukudityaniswa kwewebhusayithi ngokulula kunye ne-RESTful APIs kunye neJavaScript SDK
- Yamkela amakhadi, 75+ ezinye iindlela zebhanki zeNet, izipaji eziphathwayo, UPI, NEFT, IMPS, kunye nePayPal
- Ixhasa ngaphezulu kweemali ezili-32
Imali yokuThengisa:
- Iintengiselwano zebhanki, ikhredithi, kunye nekhadi lebhanki zibiza i-1.75% kwiibhanki ezingaphezu kwama-70.
- Cardless kunye Hlawula kamva: 2.5% ngentengiselwano nganye ye-EMI
- I-3.5% kunye ne-7 INR ngokwentengiselwano yekhadi letyala lamazwe ngamazwe
HDFC Payment Gateway
I-HDFC Bank Payment Gateway yenza kube lula kubathengi ukuhlawula amatyala abo ngebhanki ye-intanethi.
Inkonzo yayo ye-API ibonelela ngendlela engenamthungo yokwamkela ukuthengiselana ngekhadi letyala ngokuthe ngqo kubathengi bakho kwaye idibanisa namaqonga aziwayo e-e-commerce afana neWooCommerce kunye neShopify.
Ngojongano lwayo lwe-ultra-user-friendly kunye neteknoloji yokusika, i-HDFC Payment Gateway sisisombululo esifanelekileyo kuzo zonke iimfuno zakho zentlawulo ye-intanethi.
Iimbonakalo:
- Kulula ukudibanisa 100+ iindlela zokuhlawula
- Inkonzo yabathengi yeeyure ezingama-24
- Ukuphuma ngokukhawuleza
- Khusela iqonga lentengiselwano kwi-intanethi
- Kuphela i-akhawunti yangoku ye-HDFC efumana intlawulo, ethatha usuku olunye.
Imali yokuThengisa:
- Ukuseta iindleko INR 20,000 + irhafu yenkonzo (ixesha elinye kwaye isixa esingabuyiswayo)
- Iitransekshini zekhredithi/zebhanki zixabisa i-3% -10% + irhafu yenkonzo
- Ulondolozo lonyaka luxabisa i-R.10,000
isiphelo
Ukhetho ngalunye lwesango lokuhlawula luthembekile, lukhuselekile, kwaye lulungele ukuba amashishini amkele iintlawulo kwi-Intanethi.
Iimpawu, umrhumo, kunye nokusebenziseka ngokulula kuyahluka, ke khetha eyona ifanele iimfuno zeshishini lakho. Ngesango lokuhlawula elikhuselekileyo endaweni, uya kukwazi ukuqalisa ukwamkela iintlawulo ngokuzithemba nangokulula.
Qiniseka ukuba ujonga ukhetho ngalunye ngononophelo ngaphambi kokuba wenze isigqibo sakho!
Shiya iMpendulo