Thenga ngoku, hlawula kamva liziko elithatyathwe kwiimarike ze-intanethi mva nje. Ukusuka kwizicelo nakwiindawo zentengiso ukuya kumakhadi okuthenga ngetyala - wonke umntu uza neengcinga zokunika abantu ukuthenga ngetyala.
Enye yezinto ezintsha eziveliswe ebaleni likhadi le-Uni, ikhadi elikunika uncedo lokuthenga ngoku kunye nokuhlawula kamva - phantse njengekhadi letyala, kodwa kunye nexesha elikhulu.
Masiqonde yonke into elikhadi elibonelela ngayo kwaye yintoni eyenza ukuba ligqame kwezinye ii-apps kunye namakhadi okuthenga ngetyala emarikeni.
Yintoni ikhadi le-Uni?
united usungule ikhadi letyala lokuqala lohlobo lwayo lokuthenga ngetyala elenza ukuba abathengi bathenge ngoku kwaye bahlawule kamva.
Abasebenzisi be-Uni banokuhlawula zonke iindleko abazenzileyo kwinyanga enye kwizavenge ezintathu ezahlukeneyo, kwisithuba seenyanga ezintathu, ukuze kungabikho mfuneko yokuhlawula ityala lilonke ngexesha elinye.
Elona candelo lilungileyo malunga nekhadi le-Uni kukuba uboleka le mali ngaphandle kwenzala okanye ngexabiso konke konke, ngoko kusimahla ukuyisebenzisa.
Ingaba ikhadi lisimahla ngaphandle kwemigaqo nemiqathango esetyenziswayo?
Ewe, ewe. Ekuphela kwentlawulo ekufuneka uyihlawule yintlawulo kade, esebenzayo xa utsiba iintlawulo zenyanga. Ngaphandle koko, ikhadi linokusetyenziswa simahla ngokomda okhoyo.
Iqaliswe yi-Uniorbit Technologies, eli khadi lisebenzisana ne-RBL Bank kwaye libonelela ngeenkonzo zasimahla unyaka kude kube ngumhla wokugqibela kuJanuwari.
Ikhadi elinegama le-Visa lisusa iingxaki zentlawulo kwi-intanethi kunye ne-intanethi njengoko ikhadi linokusetyenziswa kwiiwebhusayithi ezahlukeneyo kunye neendawo zabarhwebi ezamkela amakhadi eVisa.
Ukongeza, ukuba ukhetha ukuhlawula yonke ikhredithi kunye, ikhadi le-Uni liya kukunika isaphulelo se-1% kwixabiso lilonke.
Iimpawu zeKhadi le-Uni
Chithanani kunye, hlawula iinxalenye
Ngamakhadi e-Uni, unokuchitha okuninzi njengoko umda uvumela ixesha elide ngaphandle kokukhathazeka ngentlawulo.
Emva koko, unokumbuyisela umbolekisi kwiindawo ezintathu ezahlukeneyo kwiinyanga ezintathu ezahlukeneyo ngaphandle kwenzala. Isebenza ngathi ikhadi lamatyala oko kukunika ukuguquguquka kokuhlawula nanini na xa unqwenela ngaphandle kokuhlawula nantoni na eyongezelelweyo.
Iimbuyiselo zemali
Ngokungafaniyo namakhadi amaninzi, i-Uni ibonelela ngembuyekezo yemali kunye nezaphulelo kubasebenzisi xa besenza iintlawulo ngokupheleleyo.
Ngoko ke, ukuba uvakalelwa kukuba unokuhlawula yonke into oyichithile ngexesha elinye, ukwi-1% yesaphulelo okanye ukubuyisela imali kwinkampani!
Iinketho zokwahlulwa kwe-EMI ezinde
Ukuba awukwazi ukuhlawula iqela lekhadi le-Uni ngezavenge ezintathu kwisithuba seenyanga ezintathu, unokukhetha kwakhona iinketho ze-EMI eziguquguqukayo.
I-Uni ikholelwa ekunikezeni umsebenzisi ngamnye ixesha abalidingayo, ngoko umsebenzisi unokukhetha izicwangciso ze-EMI ezifikelelekayo ukusuka kwi-6 ukuya kwiinyanga ezili-18.
Aziro umrhumo wokujoyina
Akukho ntlawulo okanye iintlawulo ezifihliweyo ezibandakanyekayo ukujoyina ikhadi le-Uni kwaye ujabulele izibonelelo zalo.
Unokufaka isicelo, ufumane iinkonzo, kwaye uhlawule kuphela oko uthengayo. I-Uni ayihlawulisi naziphi na iintlawulo zesondlo zonyaka kubathengi bayo bokuqala.
I-99.9% yokwamkelwa kwezinga
I-99.9% yabarhwebi kulo lonke elaseIndiya bamkela ikhadi le-Uni Pay 1/3 ukuze bathenge ngedebhithi kunye nekhredithi.
Into ekufuneka uyenzile kukuskena ikhowudi ye-QR kwaye ulinde ukuba intengiselwano iqhubeke nge-Uni thenga ngoku hlawula kamva i-app.
Hlawula i-1/3 kwaye ujabulele ngokupheleleyo
Ukususela kwiintengiso zefashoni, igrosari, amatyala ombane ukuya kumayeza kunye nokwenza itheko - yonke into ifakwe phantsi kwekhadi le-Uni Pay kwi-1/3 yeendleko zizonke.
Yonke enye into inokulungiswa kamva ngokokuthanda komthengi.
elubala
Yonke into eyenzekayo nge-Uni nakwi-app yayo ibonakala kubasebenzisi ngaphandle kwesihluzi.
Ukuba kukho naziphi na iintlawulo okanye iintlawulo ezisetyenziswayo ngaphandle kokukwazisa kwangaphambili, kukho isiqinisekiso se-100% sokubuyisela imali ehlawulwa ngu-Uni.
Iqela lenkxaso elomeleleyo
Yonke into entsha ifuna uncedo oluluqilima, kwaye i-Uni Pay ibonelela ngaloo nto.
Iqela labo lenkxaso lifumaneka ubusuku nemini, kwaye ungafikelela kubo nge-imeyile okanye nge-WhatsApp yeshishini ukucima nayiphi na imibuzo onokuba unayo. Ixesha labo lokuphendula eliphakathi ziiyure ezimbalwa yonke imihla.
ukhuseleko
Lonke ulwazi olufakileyo kwi-app ye-Uni Pay lukhuselekile kwaye lufihliwe ukuze kuqinisekiswe ukuba zonke iinkcukacha zobuqu kunye nedatha zihlala zikhuselekile ngalo lonke ixesha.
Akukho mntu unokufikelela kulwazi lwakho oluyimfihlo ngaphandle kwakho, nditsho neqela le-Uni.
Izibonelelo ze-Uni Pay
- Inika izicwangciso ze-EMI eziguqulwa ngokulula zeentlawulo.
- Iimbuyekezo kunye nembuyiselo yemali zinikezelwa xa intlawulo yenziwe ngokupheleleyo nangexesha.
- Ifuna kuphela ukuba uhlawule i-1/3rd yentlawulo ngexesha.
- I-24 * 7 inkxaso yabathengi ekhoyo kwi-imeyile, incoko, kunye neefowuni.
- Ulawulo lwekhadi lulawuleka ngokulula.
- Zonke iintengiselwano ziyabonakala kwi-Uni app, kwaye imida inokusetwa ngokwemfuno yakho.
- Izikhumbuzo ezininzi zeebhili zithunyelwa phambi kwesavenge ngasinye kwifowuni yakho kunye ne-imeyile.
- Ukuba ukhe wangqina imeko yonxunguphalo, unokutshixa ikhadi le-Uni nge-app ngokucofa kanye kwaye unqande nayiphi na imisebenzi yobuqhophololo.
- Akukho ntlawulo yokujoyina okanye yonyaka.
Uni Card inkxaso kubathengi
Nje ukuba undwendwele iwebhusayithi okanye ukhuphele usetyenziso kwaye ukhankanye iinkcukacha zakho ezibonisa umdla wakho kwikhadi, iqela le-Uni lithumela i-imeyile ekwamkela kwiinkonzo zabo.
Nje ukuba ugqibile ukuseta iakhawunti, unokushiya imibuzo yakho nge-imeyile okanye uthethe namaqela kwaye ulindele ukufowunelwa kwiiyure ezimbalwa.
Iqela labo lenkxaso lisebenza ngokugqithisileyo kwaye lifumaneka ubusuku nemini ukuqinisekisa ukuba uyaxhaswa nangayiphi na iyure yemini okanye yobusuku ngaphandle kokuphazamiseka.
Ngubani ofanele ukufumana ikhadi le-Uni Pay?
Ukufikelela kwikhadi lokuhlawula le-Uni, kufuneka ube ngumhlali waseIndiya ongaphezulu kweminyaka eli-18 ubudala.
Ukuba nezinto ezintle amanqaku etyala ayisiyomfuneko, kodwa ukuba uyakwenza oko, unokuyonwabela imida yetyala ephezulu kwikhadi eya kukwenza ukwazi ukuthenga ngakumbi ngoku kwaye uhlawule imali kwiinxalenye ezintathu kamva.
Nangona kunjalo, ukuba ngethamsanqa ukhe waphoswa yintlawulo kwi-Uni app, ayisayi kuchaphazela amanqaku akho etyala nangayiphi na indlela kuba omabini amaqumrhu azimeleyo omnye komnye.
Kufuneka uqinisekise ukuba idilesi yokuhanjiswa oyibekayo ukufumana ikhadi lakho kufuneka isebenze kwi-RBL okanye kwiqela lekhadi le-Uni.
Okwangoku, abathumeli amakhadi kwizixeko ezincinci. I-PAN, i-Aadhar, kunye neenombolo zeselfowuni eziqhagamshelwe kwi-Aadhar kufuneka zisebenze njengomgaqo osisinyanzelo wokufaneleka.
Imida yekhredithi yekhadi le-Uni
I-Uni inika omnye weyona mida yetyala iphakamileyo kubasebenzisi bayo ukuba bafanelekele okufanayo. Unokufumana iikhredithi eziphezulu ngokubonisa i-Uni ngamanqaku akho ekhredithi.
Ukuba eli likhadi lakho lokuqala, unokufumana umda ophantsi, kodwa njengoko uqala ukuyisebenzisa kwaye uhlawule ngexesha, umda uyandiswa ngokuhamba kwexesha.
Ikhadi likhupha umda naphi na phakathi kwe-Rs 20,000 ukuya kwi-Rs 600,000.
Emva kokuba ikhadi likhutshiwe kuwe, usenokwenza isicelo sokwandiswa komlinganiselo wetyala emva kweenyanga ezintandathu.
Nangona kunjalo, ukuba awusebenzisi ikhadi unyaka ngokuthe ngqo, iqela le-Uni livimba ikhadi lakho, liva ukungasebenzi. Kule meko, kufuneka ufake isicelo sekhadi kwakhona, okuyinkqubo engenamthungo.
Usenza njani isicelo sekhadi le-Uni: Isikhokelo se-Stepwise
- Khuphela isicelo sekhadi le-Uni 1/3 okanye wenze i-akhawunti ngokusebenzisa yabo website.
- Cofa kwiqhosha elithi 'qalisa' kwaye uchaze igama lakho, inombolo yefowuni kunye ne-imeyile ye-ID.
- Inombolo yakho yeselula kufuneka inxulunyaniswe nenombolo yekhadi lakho le-Aadhar ukuze kuqinisekiswe isazisi.
- Nje ukuba inombolo yakho yeselula iqinisekisiwe, cofa kwiqhosha lokufaneleka ukuya phambili.
- Faka iinkcukacha zekhadi lakho lePAN njengegama elipheleleyo, inombolo yePAN, umhla wokuzalwa, kwaye ucofe iqhosha 'elilandelayo'.
- Khetha isini sakho njengenyathelo elilandelayo kwaye ucofe ku-'qhubeka.'
- Isikrini esilandelayo esiya kuvela siya kukubuza malunga nemeko yakho yengqesho. Khetha leyo iyinyani kwaye ucofe iqhosha elithi 'jonga ukufaneleka ngoku'.
- Emva kokucofa iqhosha, isikrini esinamanqaku akho okuthenga ngetyala kunye nomda siya kubonakala ukubona ukuba uyalifanelekela na ikhadi.
- Gqibezela i-KYC yakho ngokucinezela iqhosha elithi Qala i-KYC kwaye ulandele la manyathelo mathathu.
- Emva kokuba i-KYC yenziwe, seta iphini elinemivo emine ukukhusela lonke ulwazi kwaye ucofe iqhosha lotolo nje ukuba igama eligqithisiweyo limiselwe.
- Thatha i-selfie ukuze uqinisekise ubuwena kwaye ugqibezele i-KYC.
- Faka idilesi yekhaya lakho apho unqwenela ukufumana ikhadi.
- Gcwalisa iinkcukacha zedilesi yokuhanjiswa ukuze ufumane ikhadi kwaye uphelise inkqubo yakho ye-KYC.
Ingaba ikhadi le-Uni lingcono njani kunamakhadi okuthenga ngetyala?
- Ikhadi le-Uni alifuni ukuba ube namanqaku okuthenga ngetyala ayimfuneko, nto leyo eyenziwa ngamanye amakhadi etyala.
- Ngekhadi le-Uni, unokuhlawula ngokupheleleyo okanye ngezavenge njengoko uthanda, kodwa ngamakhadi okuthenga ngetyala, kufuneka uhlawule yonke imali kunye okanye uthenge imveliso kwi-EMI.
- Ikhadi le-Uni alihlawulisi ntlawulo kwaphela, kanti, uninzi lwamakhadi etyala abiza umrhumo wokujoyina kunye nokugcina.
- Nge-Uni, unokufumana malunga ne-7.5% yemali eseleyo njengoko kufanelekile, ejikeleze i-5% kuphela kwamanye amakhadi okuthenga ngetyala.
- Xa imali iqhutyelwa phambili njengoko uhlawula nge-Uni, intlawulo ye-5.5% ihlawuliswa. Nangona, amakhadi etyala abiza inzala kuyo yonke imali engekahlawulwa.
- I-Uni ayihlawulisi nayiphi na inzala kwimirhumo yentlawulo kade, kodwa amakhadi okuthenga ngetyala.
FAQ yekhadi le-Uni
Zingaphi iintsuku umntu alifumana ikhadi lakhe emva kokuba KYC yenziwe?
Kuthatha malunga neentsuku ezintathu emva kokuvunywa ukuba umsebenzisi afumane ikhadi lakhe.
Ngaba kunokwenzeka ukongeza imali kwikhadi le-Uni ukuya kwizipaji zedijithali?
Hayi, unokuhlawula kuphela ngokuthe ngqo kumthengisi ngekhadi le-Uni kwaye ungayisebenzisi ukongeza izipaji zakho.
Ithini intlawulo efunekayo kwintlawulo kade?
Malunga ne-20% yesixa-mali esingahlawulwanga sibizwa njengentlawulo kade. Ke, ukuba unemali engekahlawulwa ye-Rs 10,000, ii-Rs 2,000 ziya kuhlawuliswa njengentlawulo kade ukuba awukwenzi intlawulo ngexesha.
Linokusetyenziswa phi ikhadi le-Uni?
Ikhadi linokusetyenziswa kuzo zonke iiwebhusayithi ze-intanethi kunye neendawo ezingaxhunyiwe kwi-intanethi ezixhasa intlawulo ngamakhadi e-Visa.
Ngaba ikhadi le-Uni lisimahla ubomi bonke?
Ewe, ukuba ufaka isicelo kweli khadi ngoku, ungafumana unikezelo lwasimahla lobomi de kube ngama-31 kaJanuwari.
Ungafaka isicelo seUni Card apha →
Ukuqukumbela: Kufuneka usifake nini isicelo seli khadi?
Ikhadi le-Uni 1/3rd ngokuqinisekileyo aliyithathi indawo yekhadi letyala njengoko lingezi namanqaku okuvuza kunye nezinye izibonelelo ezinikezelwa ngamakhadi okuthenga ngetyala.
Nangona kunjalo, ukuba ungumntu onqwenela ukuba nemali eninzi yokuhlawula amatyala ngelixa uhlawulela izinto, eli khadi lelakho.
Ungasifaka isicelo seli khadi ukuba awukwazanga ukuzenzela ikhadi de kube ngoku ngenxa yezizathu ezininzi.
Kuba inkqubo yokufumana ikhadi le-Uni ilula kakhulu kwaye ithe tye ngakumbi kunelo lokufumana ikhadi letyala, kuba lula ukufaka isicelo sale mveliso. Unokwakha imbali eyomeleleyo yetyala kwikhadi le-Uni kwaye emva koko ufake isicelo samakhadi okuthenga ngetyala kamva.
Eli khadi lisenokugcinwa njengenkxaso kwikhadi letyala ngamaxesha apho unganqweneli ukuhlawula yonke imali echithwe ngexesha elinye xa inyanga iphela.
Ungaswayipha eli khadi kwiintengo ezingezi ne-EMI kwaye uhlawulele imveliso kamva ngezavenge ezithathu ngokulula.
Shiya iMpendulo