Njengoba abantu abaningi abenza ukudluliselwa kwezimali phakathi kwamazwe, kunenqwaba yezinhlelo zokusebenza ezitholakalayo ku-inthanethi ngale njongo.
Futhi i-US inesabelo esikhulu kunazo zonke uma kuziwa ekuthumeleni izimali kumaNdiya.
Kodwa, kunezici eziningi okufanele zicatshangelwe ngenkathi kuthunyelwa imali e-US ngohlelo lokusebenza, njengokuhlola amanani okushintshanisa, imali yenkundla, kanye nokutholakala kwaleyo nkundla e-US.
Yingakho ngibhale lesi sihloko ukuze sixoxe ngo-A kuya ku-Z wokuthumela imali e-US. Ngizokhuluma ngezinhlelo zokusebenza eziphezulu ezikhona ezweni ngokwenza lokhu futhi ngikutshele izici ezihamba phambili zazo zonke lezi zinkundla.
Ngakho-ke, thatha ipeni nephepha bese uqala ukubhala amaphuzu abalulekile owaqaphela kulesi sihloko. Ngaphandle kokuchitha isikhathi, masifinyelele kuyo ngokushesha.
1. Wise
I-Wise iwuhlelo lokusebenza oluhle kakhulu lwalabo abadinga ukudluliselwa okusheshayo ngemali ephansi. Inikeza amanani okushintshana ancintisanayo emalini engaphezu kuka-50 emhlabeni wonke kuyilapho inikeza ukudluliselwa okusheshayo ngenani elincane.
Inikeza amanani okushintshana angenakuhlulwa, izinkokhelo eziphansi, ukudluliselwa okusheshayo, isevisi yamakhasimende engu-24/7 ngezilimi eziningi, nokuningi. Hhayi lokho kuphela, ungasebenzisa ikhadi lakho ledebhithi/lesikweletu noma elakho i-akhawunti yasebhange imininingwane ngqo kuwebhusayithi noma uhlelo lokusebenza ukudlulisa imali ngokushesha ngokuchofoza okumbalwa nje.
Ngokusebenza kwayo okulula komsebenzisi, ukuthumela noma ukwamukela izinkokhelo kulula njengokufaka ulwazi lomamukeli wakho ohlelweni lwakhe lokuvikela.
I-Oall Wise ngaphandle kokungabaza iwuhlelo lokusebenza olungcono kakhulu lokudlulisela imali e-US njengoba ingakwenzela wonke umsebenzi ngesikhathi esifushane kakhulu.
Izici eziphezulu
- Ukudluliselwa kwemali okusheshayo
- Amanani okushintshanisa ngesikhathi sangempela
- Ayikho imali efihliwe
- Izimali zilethwa endaweni
- I-interface yomsebenzisi elula
2. WorldRemit
I-WorldRemit ingenye inketho ethandwayo uma kuziwa ezinkokhelweni zamazwe ngamazwe, njengoba ithembekile futhi ilula.
Banikeza izinketho ezimbalwa zokukhokha, okuhlanganisa ukudluliswa kwe-akhawunti yasebhange (ACH), amakhadi edebithi (Visa & Mastercard), kanye nama-e-wallets afana ne-PayPal ne-Apple Pay uma kudingeka.
Banikeza amanani okushintshana ancintisanayo kanye nezinkokhelo eziphansi, okubenza baphelele kulabo abafuna inani eliphezulu lemisebenzi yabo ngaphandle kokuhlupheka okuhilelekile.
Ukwengeza, isevisi yabo ilinganiselwe phezulu ngamakhasimende ngenxa yokwethembeka kwayo uma kuziwa ezindleleni zokuphepha, ezifana nobuchwepheshe bokubethela obusetshenziswa kuyo yonke inqubo yomsebenzi ngayinye esiza ukuvikela idatha yomthumeli nemininingwane yezezimali kubakhwabanisi abangaba ku-inthanethi.
Ungakwazi futhi ukulandelela inqubekelaphambili yakho yokuthenga kalula usebenzisa isici sabo sokulandelela, ukuze wazi kahle ukuthi imali yakho ikuphi ngaso sonke isikhathi!
Ngaphezu kwalokho, bahlinzeka ngosekelo nge-imeyili kanye nezingcingo uma kudingeka - baqinisekisa ukuthi amakhasimende athola isevisi yezinga eliphezulu ngaso sonke isikhathi lapho edinga usizo lokudlulisela izimali e-US zisuka eNdiya.
Izici eziphezulu
- Vikela ukudluliselwa kwebhange ngokuqondile emakhulwini amabhange amakhulu emhlabeni jikelele
- Amanani wokushintshana wokuncintisana
- Ayikho imali yesevisi yemisebenzi emithathu yokuqala
- Amadiphozithi aqondile ebhange
- Ayikho imali efihliwe
3. I-MoneyHOP
Uma nje uqala ukucabanga ngamazinga okushintshanisa kanye nenani ledola laseMelika uma liqhathaniswa ne-INR, i-MoneyHop iza kuwe, isusa yonke le migoqo. Olunye uhlobo, lolu hlelo lokusebenza lukuvumela ukuthi ube nokuhlanganisa kokubili amakhadi edebhithi nawe-FX.
Empeleni iyinqola yomhlaba wonke esekela ama-akhawunti emali amaningi asebhange. Ngakho-ke lokhu kusho ukuthi manje usungakwazi ukuvula i-akhawunti endaweni yesikhulumi futhi udlulisele izimali ngqo e-US ngaphandle kwezindleko ezengeziwe.
Hhayi lokho kuphela, ungakwazi ukuthepha, uswayiphe, noma uphinde uskene ikhadi lakho le-HOP ngaphandle kokuthinta emhlabeni wonke, kuhlanganise ne-US. Izinkokhelo zingenziwa futhi ngokuskena ikhodi ye-QR, i-NFC, ne-UPI, okwenza kube lula nakakhulu.
Izici eziphezulu
- Hlela ibhajethi nsuku zonke noma nyanga zonke
- Ukukhishwa kwekhadi kwamahhala, ukuhoxiswa kwe-ATM, nokunye okwengeziwe.
- Shintshanisa imali ngefomethi engenamaphepha noma kunini
- Landelela zonke izindleko zakho endaweni eyodwa
- Konke okwenziwayo kuyaqedwa, futhi ushintsho luyatshalwa.
4. Remittly
I-Remitly ingenye inketho edumile yokuthumela imali isuka e-India iye e-USA ngokuphephile ku-inthanethi ngaphandle kokuba khona ngokomzimba kunoma yiliphi izwe.
Ubuchwepheshe obuphambili be-Remitly buqinisekisa ukudluliselwa okuphephile kuyilapho buhlinzeka ngosekelo oluhle kakhulu lwesevisi yamakhasimende uma ludingeka phakathi kwanoma yiziphi izinkinga ezihlobene nenqubo.
Iphinde inikeze amanani okushintshana ancintisanayo kanye nesakhiwo senhlawulo eyiziro evumela amakhasimende ukonga okwengeziwe lapho esebenzisa amasevisi awo.
Ngaphezu kwalokho, i-Remitly inikeza izindlela zokukhokha eziningi njengamadiphozithi e-akhawunti yasebhange, amakhadi edebhithi/esikweletu, njll., okwenza kube lula kubantu abangenakho ukufinyelela kumasistimu amabhange avamile kodwa abasafuna ukufinyelela ezimakethe zomhlaba wonke ezithumela imali.
Izici eziphezulu
- Dlulisela imali emabhange angaphezu kuka-130 ezweni
- Ukulethwa ngesikhathi
- Thumela kufika ku-$30,000 ekudluliseni okukodwa.
- Thumela imali ngokushesha nge-UPI namadiphozithi ebhange, futhi uthole nokulanda imali ezindaweni ezingaphezu kuka-100,000 emhlabeni jikelele.
- Iphephe kakhulu futhi inokwethenjelwa
5. MoneyGram
I-MoneyGram ingenye yezinsizakalo zokudlulisa amazwe ezisetshenziswa kakhulu e-India ngenxa yezindleko zayo eziphansi kanye nezikhathi zokulethwa okusheshayo.
Inikeza izindlela zokukhokha eziningi, okuhlanganisa amadiphozithi e-akhawunti yasebhange, amakhadi edebithi, noma amakhadi esikweletu, kanye nezindawo zokuthatha imali kuwo womabili amazwe ukuze ukwazi ukuthumela izimali zakho ngokuzethemba, wazi ukuthi zizofika ziphephile futhi nalokho ngesikhathi.
Eqinisweni, abasebenzisi bangakwazi futhi ukulandelela okwenziwayo ku-inthanethi noma besebenzisa amadivaysi abo eselula ngesikhathi sangempela, okunikeza ukuvikeleka okwengeziwe nokuthula kwengqondo lapho besebenzelana nezinkokhelo zamazwe ngamazwe.
Izici eziphezulu
- Izinhlelo Zokugqugquzela Zesikhathi Esifushane Zokuthengisa Nokungathengiswa
- Ukusebenza Konyaka/Ukubuyekezwa Kwemiholo
- Izibonelelo zamakhono abalulekile nezidingo zebhizinisi
- Ama-akhawunti okonga impilo
- Isixhumi esibonakalayo esisebenziseka kalula
6. I-Skrill
I-Skrill enye inketho enhle evumela abasebenzisi ukuthi badlulise izimali phakathi kwamazwe ngaphandle kokuhlupheka noma ukubambezeleka ngokushesha.
Enye yezinzuzo zayo eziyinhloko ukuthi isekela izinhlobo zemali ezingaphezu kuka-40, okuhlanganisa nama-Indian Rupees (INR), okwenza kube lula kunoma ubani ofuna ukuguqula uhlobo lwemali ngenkathi ethumela imali phesheya noma ikakhulukazi e-US ngaphandle kokuba nezindleko ezengeziwe ezihlobene namazinga okushintshanisa asetshenziswa amabhange, njll.
Ngaphezu kwalokho, i-Skrill futhi inobubanzi obumangalisayo bezindlela zokukhokha ezitholakalayo, njengamakhadi edebhithi/esikweletu nama-e-wallets - zonke zivikelwe kusetshenziswa ubuchwepheshe bokubethela obuthuthukisiwe, okuqinisekisa ukuphepha okuphezulu ngesikhathi sokuthenga.
Izici eziphezulu
- Ukuvikelwa kokukhokhiswa emuva
- Izinkokhelo zokuthinta okukodwa
- Amazinga okuguqulwa athuthukisiwe
- I-akhawunti ephethe izinhlobo eziningi zezimali
- Ukuphepha okuphezulu nokulawulwa kokukhwabanisa
7. xoom
Iphuma kolunye lwezinhlelo zokusebenza ezinkulu ze-fintech emhlabeni, i-Paypal, i-Xoom futhi inikeza abasebenzisi imisebenzi yezezimali evikelekile lapho bedlulisela imali eMelika, kodwa okubahlukanisa kakhulu yikhono labo lokuthumela izinkokhelo ngokuqondile emabhange aseNdiya, njenge-ICICI Bank noma I-HDFC Bank.
Lokhu kwenza kube lula kunangaphambili kubantu abahlala e-US abafuna ukufinyelela kuma-akhawunti abo ekhaya ngaphandle kokuhlupheka okuningi.
Ngaphezu kwalokho, bahlinzeka ngamanani ancintisanayo uma kuqhathaniswa nabanye abahlinzeki, futhi azikho izinkokhiso ezifihliwe - okusho ukuthi amakhasimende azi kahle ukuthi akhokha malini kusengaphambili isikhathi ngasinye lapho esebenzisa le sevisi okwengeza esinye isendlalelo sokusebenziseka kalula lapho esebenzelana nezimali ezithunyelwa emhlabeni wonke.
Izici eziphezulu
- Thumela imali cishe kunoma iyiphi i-akhawunti yasebhange.
- Dlulisela imali ngokuqondile emakhadini edebhithi
- Letha ukheshi
- Thola ukubuyekezwa kwesimo ngesikhathi kokwenziwe kwakho
- Hlala ubona inkokhelo yakho kanye nenani umamukeli wakho azolithola.
- Isevisi yamakhasimende yomuntu siqu
- Isiqinisekiso sokubuyisela imali
Ngakho-ke, ngalokhu, sifika ekupheleni kohlu lwethu lwezinhlelo zokusebenza eziphezulu zokuthumela imali isuka eNdiya iye e-US. Ngethemba ukuthi okwamanje, usucace bha mayelana nohlelo lokusebenza ongathanda ukulisebenzisa ngokuzayo.
Futhi uma kukhona ithuluzi okungenzeka ngiligejile kulesi sihloko, zizwe ukhululekile ukushiya amazwana futhi ungazise ngalo. Ngingathanda ukubuyekeza lesi siqeshana njengoba sikhulisa inani labafundi.
shiya impendulo