Inkqubela phambili entsha kwimarike ngeli xesha i-Indiya ihambela phambili kwidijithali yenkqubo yentlawulo ye-intanethi yeyokuba izicelo ezivumela abasebenzisi ukuba bathenge namhlanje kwaye bazihlawulele ngomso.
Ezi zicelo zivumela abasebenzisi ukuba bathenge izinto kunye neenkonzo kubathengisi kwaye benze iintlawulo zabo kamva, njengoko igama lisitsho.
Timpendulo efanelekileyo kwezi ngxaki kukusebenzisa izicelo ze-Pay Later, ezibonelela ngokukhuselekileyo nangokulula abathengi ukufikelela kumgca wetyala ngaphandle kwenzala.
Iindlela zokuhlawula ezikhoyo ezinikezela ngetyala kubathengi zinezithintelo ezithile zendalo, ezifana nokungena kwi-akhawunti yakho yebhanki ukuze ugqibezele yonke intengiselwano kunye nokubonelela ngedatha efana neenkcukacha zebhanki, i-PIN, kunye nezinye ukuze ugqibezele intengiselwano ngempumelelo.
Kwesi siqwenga, siza kujonga ngokweenkcukacha indlela yokuhlawula kamva esekwe kwi-UPI kunye nabathengisi abayinikezela kubathengi babo.
Yintoni intlawulo-kamva?
I-PayLater ngumbono ovumela abathengi ukuba bathenge kwaye bahlawule kamva. Ingqikelelo ithelekiseka naleyo ye-a ikhadi lamatyala, nangona kunjalo, alikho ikhadi lokuthenga ngetyala lokwenyani.
Intengiselwano inokugqityezelwa ngokulula kwaye imali ihlawulwe ekuqukunjelweni komjikelo wetyala, oqhele ukuba ziintsuku ezili-14 ubude.
Xa ithelekiswa nekhadi letyala, indlela ye-PayLater isoloko ibonwa ikhuselekile kwaye igudile ngakumbi kuba akukho lwazi lubuthathaka olufana neenombolo zekhadi letyala kunye neenkcukacha zeakhawunti ezifunekayo.
Njengoko imarike yezicelo ze-PayLater ikhula ngesantya esicacileyo, iivenkile ezininzi zibandakanyiwe njengendlela yokuhlawula.
Eyona UPI Pay usetyenziso kamva eIndiya
1. I-ICICI Bank
I-ICICI yayiyibhanki yokuqala eIndiya ukubonelela abathengi ukuba bahlawule ukhetho lwamva. Umda wetyala we-ICICI usukela kwi-INR 5,000 ukuya kwi-20,000, kuxhomekeke kwingeniso yomthengi kunye nokufaneleka kwetyala.
Ukuhlawula amatyala abo ngexesha, abantu banokudibanisa ngokulula ii-akhawunti zabo zebhanki kwinkonzo yokuhlawula emva kwexesha kwaye bakhethe ukhetho lwe-auto debit.
Iimbonakalo
- Ngabaxumi beBhanki ye-ICIC kuphela abafanelekileyo abafanelekileyo.
- Imiqathango yetyala ukuya kutsho kwiintsuku ezingama-45
- Hlawula amatyala, wenze iintlawulo kubarhwebi, okanye uthenge nge-ID ye-UPI.
- Ifumaneka nge-app ephathwayo, ukubhankisha kwi-intanethi, kunye neePokotho ze-ICICI.
2. ILazyPay
ILazyPay yenye yezona zinto zithengwa kakhulu eIndiya ngoku, bhatala kamva. Ngenkqubo ye-KYC engenamaphepha, inika umgca wekhredithi okhawulezayo.
Unokuskena kwaye uhlawule okanye usebenzise i-ID yakho ye-UPI ukujongana nawo onke amashishini amkela i-UPI. Abathengisi abangaxhunyiwe kwi-intanethi kunye neenkonzo ze-intanethi ezifana ne-Ola, i-Uber, i-Flipkart, i-Myntra, i-Zomato, i-Swiggy, i-Bookmyshow, kunye nabanye bayayamkela intlawulo.
Ukuba intengiselwano yakho idlula i- ₹10,000, ungayiguqulela ku-Easy EMI ngokusekelwe kwiinketho ezikhoyo. I-app ibonelela ngeentsuku ezili-15 ezingenanzala emva koko kufuneka uhlawule kwaye uhlawule i-akhawunti (ngomhla wesi-3 kunye ne-18 yenyanga nganye).
Unokuhlawula ngokuzenzekelayo okanye ngesandla usebenzisa i-UPI, ibhanki ye-intanethi, okanye a ikhadi ekufakwa imali.
Iimbonakalo:
- Sebenzisa i-UPI ukuSkena kunye nokuHlawula
- Ubuninzi bomda wetyala we- ₹100,000
- Ixesha leentsuku ezili-15 zokungabhatalwa kwenzala
- Izaphulelo eziqhelekileyo kubathengisi
- Hlawula kubathengisi abakwi-intanethi abafana noFlipkart, Zomato, kunye neSwiggy.
3. Umda weJupiter
IJupiter Edge lusetyenziso oluthembekileyo lwe-UPI oluhlawulelwayo oluvela kwiqonga lebhanki leNeo. Ibonelela ukuya kuthi ga kwi-10,000 yekhredithi kwiintlawulo ze-UPI ngaphandle kwenzala. Lo mda wetyala ungasetyenziselwa ukuhlawula abathengisi be-intanethi nabangaphandle kwe-intanethi abamkela iintlawulo ze-UPI.
Ungasebenzisa i-app ukuchitha imali kwizicelo ezinje ngeSwiggy, Zomato, Amazon, Myntra, Bigbasket, kunye nabanye.
Ikwakuvumela ukuba uhlawule amatyala kwi-app. Oku kubandakanya ukutshajwa kweselfowuni, amandla, amanzi, kunye namatyala erhasi, phakathi kwezinye izinto.
Rhoqo ngenyanga, ngomhla we-15 kunye nomhla wokugqibela wenyanga, i-bill yenziwa. Emva kokuba ityala lenziwe, uneentsuku ezintlanu ukwenza intlawulo.
Iimbonakalo
- Iintsuku ezili-15 zexesha lokuhlawulwa kwenzala
- Fumana umda wetyala ukuya kuthi ga kwi-10,000.
- Hlawula kwi-intanethi usebenzisa usetyenziso olunje ngeSwiggy, Zomato, kunye neAmazon.
- Hlawula ifowuni yakho kunye nezinye iindleko eziluncedo.
4. Paytm Postpaid
I-Paytm sesinye sezona zicelo zentlawulo zaziwayo zaseIndiya. I-Paytm Postpaid lukhetho lokuhlawula emva kwexesha iPaytm eyinika abathengi abasebenzayo.
Unokusebenzisa inkonzo ye-Postpaid ukuhlawula iinkonzo ezifanelekileyo okanye abathengisi beqabane. Xa i-Postpaid ikhona, iya kuboniswa kukhetho lwentlawulo.
Ukutshajiswa kwakhona, iintlawulo zebhili, iPaytm Mall yokuthenga, kunye nabanye abathengisi abajikeleze iIndiya zonke zibandakanyiwe. I-Paytm ngoku yeyona ndawo idumileyo e-Indiya yokudluliselwa kwemali, iintlawulo ze-BHIM UPI, ukutshaja kwakhona, kunye nezinye iintlawulo ze-intanethi.
Rhoqo ngenyanga, ityala liyadalwa. Umyinge wakho wenkcitho yePostpaid umiselwa yimbali yakho yentengiselwano, ubudlelwane bePaytm, kunye nembali yetyala.
Iimbonakalo
- Ukuya kuthi ga R60,000 ngowona mda uphezulu.
- Hlawula kubathengisi bePaytm kunye namaqabane e-intanethi
- Inceda ekuphuhliseni a amanqaku etyala.
- Hlawula amatyala akho okanye uthenge ePaytm Mall.
- Ixesha leentsuku ezili-30 zokungabhatalwa kwenzala
5. MobiKwik Zip
Imali evela kwi-ZIP ye-MobiKwik inokudluliselwa kwiibhanki kwaye isetyenziselwa ukuhlawula amatyala, ukuthenga izinto ngaphandle kwe-intanethi kunye ne-intanethi, ukuthenga amathikithi kaloliwe, njalo njalo.
Ngaphakathi komjikelo wokuhlawula, ababhalisile banokufumana ikhredithi ukuya kuthi ga kwi-INR 60,000 ngaphandle kwenzala. Ukuba umjikelo wokuhlawula ugqithisiwe, iqumrhu livumelekile ukuba libeke inzala kumgca wetyala. Umjikelo wokuhlawula uthatha iintsuku ezingama-21.
I-portal inezaphulelo kunye nezivumelwano ezitshintsha rhoqo yonke imihla, okukuvumela ukuba ufumane imbuyekezo ngembuyekezo ngexesha kunye nokunye.
Unokusebenzisa iqonga okanye ezinye iinkonzo ezinjengokudluliselwa kwebhanki, ukutshaja kwakhona kunye nokuhlawula amatyala, njalo njalo.
Iimbonakalo
- Kukho iindlela ezininzi zokuhlawula ezikhoyo, kubandakanya amakhadi ebhanki, amakhadi okuthenga ngetyala, izipaji eziphathwayo, i-UPI, kunye nebhanki ye-intanethi.
- Umrhumo wobhaliso we-INR 99 uyafuneka.
- Ukudluliselwa kweWallet kwiibhanki kuhlawuliswa kwi-3.95% + GST.
isiphelo
Umbono emva kokuthenga ngoku, kunye nokuhlawula kamva kukuba abathengi banokufumana into abayifunayo ngoku ngelixa besafumana ixesha elingakumbi lokuyihlawula. Ukuba awukwazi okanye awufuni ukuhlawulela into ngexesha elinye, thenga ngoku, uhlawule kamva ukuxhaswa ngemali kunokuvakala kunomtsalane.
Ezi mboleko zandisa ixesha letyala lakho ngaphandle kokubeka imilinganiselo yenzala ephezulu, kodwa ngesicwangciso sokuhlawula, ukuze ungagqibi ngemfumba yetyala eliqhubekayo.
Nangona kunjalo, jonga ukuba ngaba iintlawulo ziyafikeleleka kwaye zeziphi izohlwayo onokujamelana nazo ukuba awukwazi ukuhlawula. Funda umbhalo omncinci ekuthengeni ngoku, hlawula imali kamva ngononophelo ukuze uqonde ngokupheleleyo imimiselo ozibophelela kuyo.
Shiya iMpendulo