Ingabe usungule isitolo sakho se-e-commerce, kodwa uyazibuza ukuthi iyiphi isango lokukhokha okufanele ukhethe?
Kulezi zikhathi zedijithali kanye nokukhula okuqhubekayo kwezitolo ze-E-commerce, izinhlangano zeminyaka emisha kumele zamukele ubuchwepheshe nezinqubo ezintsha. Isici esibaluleke kakhulu sanoma yiliphi ibhizinisi le-E-commerce ukuphatha izinkokhelo zakho, ngakho ukukhetha umhlinzeki wesango lokukhokha elifanele kubalulekile empumelelweni.
Njengoba kwethulwa amakhulu ezixazululo zokukhokha unyaka ngamunye, zonke zinikeza izinketho zokukhokha ezihlukahlukene, ungase uzibuze ukuthi iyiphi inketho engcono kakhulu yebhizinisi lakho.
Ayini amasango okukhokha?
Isango lokukhokha linikeza indlela engenazinkinga yokwenza izinkokhelo ku-inthanethi, esebenza njengebhuloho phakathi kwewebhusayithi yomthengisi noma uhlelo lokusebenza lweselula kanye nebhange. Ngokuchofoza okukodwa nje, ungakwazi ukukhokhela ngokuphephile into noma isevisi ngaphandle kwezinyathelo ezengeziwe.
Uma kuyisikhathi sokukhokha, iwebhusayithi yomthengisi ithumela imininingwane yakho yedebithi/yekhadi lesikweletu esangweni lokukhokha ukuze ligunyazwe. Ngemva kokuqinisekisa yonke imininingwane nebhange lakho, isango lokukhokha lisiza ukudluliselwa okuzenzakalelayo kusuka ku-akhawunti yakho kuya kweyalo - kulula futhi kuvikelekile!
Ngokuvumelana ne Isitatimende, Umkhakha Wezinkokhelo Zedijithali zase-India kulindeleke ukuthi ukhule ngenani elimangalisayo lika-14.16% CAGR kusukela ngo-2023-2027, ngenani Eliphelele Lokwenzekayo Elilinganiselwa ku-US$160.60bn ngo-2023 kanye nesamba esilinganiselwe esingama-US$272.80bn ekupheleni kuka-2027!
Le nguquko ekhulayo idinga ukuthi amabhizinisi akhethe kuphela amasango okukhokha angcono kakhulu okwenziwayo okuphephile nempumelelo ephezulu.
Unalokhu engqondweni, ake sibheke amasango okukhokha angu-12 ahamba phambili e-India ongakhetha kuwo:
I-CCAvenue
I-CCAvenue inikezela ngemisebenzi eyenziwe lula, ezokwenza ibhizinisi lakho lisebenze ngehora nje kuphela!
Isungulwe nguVishal Metha ngo-2007, i-Infibean iyinkampani yabazali enekomkhulu layo eMumbai. Kubikwe ukuthi u-85% wabahwebi baseNdiya basebenzisa i-CCAvenue - okufakazela ukuthi leli sango liphumelele kangakanani!
Iminyaka engaphezu kweshumi, i-CCAvenue ibihamba phambili ekuhwebeni kwe-eCommerce e-India, ihlinzeka ngokunethezeka nokuvikeleka okungenakuqhathaniswa. Ngesango labo lokukhokha, uyakwazi ukufinyelela ezindleleni ezihlukahlukene ezingaphezu kwe-100 njengamakhadi esikweletu, amakhadi edebithi, ama-akhawunti asebhange e-inthanethi, izikhwama zemali yedijithali, ne-EMI, nenketho yokukhokha ngezinhlobo zemali eziningi ezihlanganisa amadola ase-US, i-GBP, nama-Indian Rupees.
Izici:
- Icutshungulwa ngezimali ezinkulu ezihlukene ezingama-27.
- Izilimi ezihlukene zaseNdiya eziyi-18 zifakiwe ekhasini lokuphuma ngezilimi eziningi.
- Yamukela izinkokhelo ngaphandle kwesitifiketi se-PCI DSS
- Yamukela ngokuphephile izinkokhelo ohlelweni lwakho lokusebenza lwe-iOS, Android, noma Windows
- Izindlela zokukhokha ezingu-200+, okuhlanganisa nezinketho ze-EMI
I-Transaction Fee:
- 2% kukho konke ukuthengiselana kwasekhaya kusetshenziswa amakhadi esikweletu/edebhithi, izikhwama zemali yedijithali, i-net banking, ne-UPI
- Kuwo wonke amakhadi edebithi/esikweletu angaphandle, inani lingu-4.99%
- U-3% wawo wonke amakhadi esikweletu asekhaya/ezinkampani
- U-4% wawo wonke amakhadi e-Diners Club, American Express, nawe-Amex EMI
I-Instamojo
I-Instamojo iyinkundla ye-SME esezingeni eliphezulu enikeza osomabhizinisi baseNdiya konke abakudingayo ukuze baqhube amabhizinisi abo ku-inthanethi, okuhlanganisa isitolo esisebenza ngokugcwele, izixazululo zokukhokha ezihlanganisiwe, namathuluzi okuthengisa anamandla.
Ngokusekelwa yi-Instamojo, amabhizinisi azimele angaphezu kwe-15 lakh asungule imisebenzi ye-e-commerce esebenzayo kalula kalula. Leli sango lokukhokha liyisixazululo esiphelele sokuqoqa imali ngokuthengiselana ezinkundleni zokuxhumana ezifana ne-Facebook, WhatsApp, ne-Instagram. Ngaphezu kwalokho, abathengisi bangakwazi ukuqoqa izikweletu zabo kalula nge-SMS noma i-imeyili!
Izici:
- Ukuhoxiswa kumahhala
- I-akhawunti yakho yasebhange izokhokhwa ezinsukwini ezi-3
- Isekela iMagento, PrestaShop, OpenCart, nezinye izinkundla ezinkulu ze-eCommerce
- Kunohlelo lokusebenza lokukhokha olufunwa kakhulu ukuze amafoni e-Android aqoqe futhi alandelele izinkokhelo
I-Transaction Fee:
- Inkokhelo Yonyaka Yesondlo: ZERO
- Imali Yokwenziwayo :2% + Rs 3 ngokwenziwe ngakunye
I-PayU
Nge-PayU, unamandla okwenza ngokwezifiso izinkokhelo zakho zedijithali!
Kulula ukusetha nokusebenzisa nge-OTP yomdabu kanye nezinketho zokukhokha zokuchofoza okukodwa kokuphinda kwenziwe, kanye nembuyiselo esheshayo yawo wonke amakhasimende akho ukuze angalahlekelwa. Ukwengeza, ungagcina umkhondo wakho konke okwenziwa yikhasimende ngokufakwa kahle kuwebhusayithi yakho!
Izici:
- Amakhadi esikweletu/edebhithi, i-net banking, i-UPI, izikhwama zemali, ama-EMIs, nokunye kwamukelwa yi-Payu
- Yamukela izinkokhelo zomhlaba wonke futhi isekela ama-multi-currencies
- Isofthiwe ihlanganisa kalula nezinkundla zokukhokha ezilula
- Ukwenza ngokwezifiso umkhiqizo kungenzeka
I-Transaction Fee:
- Izero Imali yesondlo yonyaka
- Amakhadi e-American Express nawe-Diners anemali yokuthenga engu-2% kanye ne-GST yokuthenga ngakunye
- Kukhona imali engu-3% kanye ne-GST yemisebenzi yangaphandle kanye nezinye izindlela zokukhokha ze-EMI
I-Paytm Payment Gateway
I-Paytm Payment Gateway inikezela ngesixazululo esivikelekile, esithobela i-PCI sokusiza ukwenza imisebenzi esheshayo ngaphandle kwezindleko ezengeziwe zokusetha i-akhawunti noma ukunakekela. Leli sango aligcini nje ngokwamukela amakhadi esikweletu/edebhithi, kodwa futhi net banking, UPI, kanye nezinketho zokukhokha we-Paytm wallet!
I-Paytm isiphenduke umgogodla ezimpilweni zabantu kulo lonke elaseNdiya, kusukela kubathengisi abancane kuya koquqaba. Ngobuchwepheshe bokubethela be-SSL obuqinisekiswe i-Verisign, i-Paytm iguqule izinkokhelo ze-inthanethi ngokuhlinzeka ngokuvikeleka okungenakuqhathaniswa nokwethembeka.
Izici:
- Ukwenza Kusebenze Ngokushesha
- Ukuhlanganiswa okulula kwemithombo engu-100+ yezinkokhelo
- Amazinga empumelelo asezingeni eliphezulu kakhulu
- Enye yama-checkouts adume kakhulu e-India
- Usizo oluzinikele
I-Transaction Fee:
- Umsebenzi we-UPI: 0% (Okujwayelekile) kanye nama-Rs. 5 kuya ku-65 ngegunya ngalinye (Okubhaliselwe)
- I-Paytm Wallet: 1.99%
- I-Debit Card (i-Mastercard ne-Visa): 0.4 kuya ku-0.9%
- Ikhadi lasebhange le-Rupay: 0%
- INet Banking: 1.9 %
- I-PG yamazwe ngamazwe: 2.9%
I-ICICI Payseal
I-ICICI Bank's ICICI Payseal inikeza ubuchwepheshe obuqinile nesixazululo sasebhange sanoma yiziphi izidingo zokukhokha nge-inthanethi nge-e-Commerce.
Iyavumelana nezimo, kulula ukwenza ngokwezifiso, futhi ingahlanganiswa nengxenyekazi yakho ekhona ngokushesha. Sebenzisa isango labo lokukhokha ngesikhathi sangempela ohlelweni lokukhokha lwe-inthanethi oluthembekile ukuze ungaphuthelwa ukuthengisa ngenxa yezinkinga zobuchwepheshe.
Izici:
- Yamukela izinkokhelo zokudonswa kwemali, i-Credit, i-UPI, i-Bharat QR, i-EMI, kanye ne-Dynamic Currency Conversion (DCC) kalula nje.
- Itheminali yokukhokha ehlakaniphile ye-POS ye-Android kanye netheminali yokuphatha ibhizinisi iphatha yonke into kusukela ekwamukeleni izinkokhelo kuya ekulandeleleni okuthengisiwe nezinhlu.
- Itheminali ye-GPRS engasindi futhi ephathekayo yamukela izinkokhelo eziningi usohambeni futhi ishintsha ukheshi lapho ilethwa ifake ikhadi lapho ilethwa.
I-Transaction Fee:
- Ku-ID Yomthengisi eyodwa, ukuhlanganiswa kubiza u-Rs.50,000 kanye nentela yesevisi engabuyiswa
- Ama-MID engeziwe abiza u-Rs.10,000
- Bakhokhisa okwenziwa yi-VISA/Master Card 3.00% + intela yesevisi yezinkokhelo ze-IMS, kanye nokuthenga kwamakhadi angaphandle u-4.00% + intela yesevisi
- Izindleko zokuqasha zonyaka ziyi-Rs.12,000 futhi inani lomsebenzi lingaphansi kwama-Rs.36 Lacs
I-PayKun
I-PayKun iphakathi kwezinkundla zokukhokha ezingcono kakhulu zamabhizinisi, ama-SME, ama-NGO kanye nemikhiqizo ye-e-Commerce. Iwebhusayithi yayo elungiselelwe umakhalekhukhwini isekela ukuthengiswa kwe-QR nezinye izindlela ezizenzakalelayo - futhi, yenza ukubuyiselwa kwemali kube lula ngokuchofoza okukodwa nje.
Izinketho zesikhathi sokwehluleka kwenkokhelo nazo ziyatholakala kanye nezinkokhelo zokubhaliselwe kubathengisi, ngaleyo ndlela zibanikeze ukulawula okwengeziwe phezu kwemali yabo.
Izici:
- Inqubo yokugibela engenaphepha, elula, futhi esheshayo
- Ukuhlanganiswa kweplathifomu elula nengabizi newebhusayithi yakho noma uhlelo lokusebenza
- Ithobelana ne-PCI DSS v3.2.1 Level 1 (Izinga Lokuvikeleka Kwedatha Yemboni Yekhadi Lokukhokha)
- Inikeza amanani aqondile kanye nokukhetha kokukhokha okungaphezu kuka-120
- Inqubo elula yokubuyisela imali kumakhasimende ngokuchofoza okukodwa
I-Transaction Fee:
- Ngemisebenzi yasekhaya, 1.75% kanye nanoma iyiphi i-GST esebenzayo.
I-EaseBuzz
Ungakwazi ukuhlela kalula inqubo yokuphuma kuwo wonke amakhasimende akho nge-Easebuzz!
Ikuvumela ukuthi wamukele izinkokhelo ezivela emithonjeni eminingi efana namakhadi esikweletu, amakhadi edebithi, izinketho zensalela yebhange, izikhwama zeselula ze-UPI, i-Simpl, ne-Ola ekhokhelwa ngeposi kunoma iyiphi idivayisi ngokuphephile. Thatha ithuba lenkundla yayo ye-e-commerce esebenzayo nethembekile ngokuyihlanganisa kalula kuwebhusayithi yakho yamanje.
Izici:
- Igwema ukukhwabanisa nokukhokhelwa emuva
- Ukuhlanganisa isango lokukhokha newebhusayithi yakho ye-e-commerce kuyasheshisa ukucutshungulwa kokukhokha
- Isakaza ukucutshungulwa kokukhokha ku-inthanethi ngokuphuma okusheshayo nokushelelayo
- Ivikela abathengisi nabathengi ngokubhala ngekhodi konke okwenziwayo
- 24/7 ukuthengisa nokucubungula inkokhelo
I-Transaction Fee:
- Ama-rupees angu-4 wokuthengiselana afika ku-1000.
- Okwenziwayo ngakunye kubiza ama-Rupees angu-5 amanani aphakathi kuka-1000 no-25000.
- Izindleko zokwenziwayo isamba esingaphezu kuka-Rs. Ama-25,000 angama-Rupees ayi-9 lilinye.
I-BillDesk
I-Bill Desk yisixazululo esilungele zonke izidingo zakho zokukhokha zansuku zonke.
Njengeyunithi ethenjwayo ye-Bharat Bill Payment Operating Unit, ephethwe uHulumeni wase-India, inikeza isango eliphephile nelivikelekile lokukhokha Izikweletu zezinhlobo ezahlukene ezifana nezikweletu zefoni, izikweletu zegesi, amaphrimiyamu omshwalense, izinkokhelo zomhlinzeki wesevisi ye-inthanethi (ISP), ikhadi lesikweletu. izinkokhelo, nokunye okuningi ngezinkonzo zayo ezinkulu zamabhange!
Izici:
- Amakhasimende angenza izinkokhelo zokuchofoza ngokushesha ngaphandle kokungena kuhlelo lokusebenza noma iwebhusayithi
- Izindlela zokukhokha ezingu-170+ - Konke kusixhumanisi esisodwa
- Vikela okwenziwayo ngokusebenzisa amaphasiwedi esikhathi esisodwa
- Dala izixhumanisi zokukhokha, thumela izaziso, futhi ulandelele amaqoqo akho ngesikhathi sangempela usebenzisa isixhumi esibonakalayo esilula nesinembile
I-Transaction Fee:
- Ama-rupees ayi-10 kuye kwangama-50 okwenziwa ngakunye kanye nentela yesevisi
PayPal
I-PayPal isango lokukhokha lamazwe ngamazwe elinama-akhawunti abhalisiwe angaphezu kwezigidi ezingu-377 emazweni angaphezu kuka-200.
Uma ufuna ukwamukela izinkokhelo ezivela kumakhasimende emhlabeni wonke, i-PayPal kufanele ibe ukukhetha kwakho kokuqala lapho ukhetha isango lokukhokha lesitolo sakho se-E-commerce. Izindlela zayo ezilula nezithembekile zenza i-PayPal inketho ekahle abanye abahlinzeki besevisi abangakwazi ukuyifanisa kalula.
I-PayPal ivumela abathengisi ukuthi bahlangane nenkundla yabo futhi bamukele izinkokhelo ngezinhlobo zemali eziningi. Lokhu kwenza kube lula kumakhasimende akwamanye amazwe ukuthi athenge esitolo sakho ngaphandle kokukhathazeka ngezinga lokushintshisana lapho eguqula imali yawo. Ngaphezu kwalokho, izinhlelo ze-PayPal zokuvimbela ukukhwabanisa ziphezulu kakhulu futhi zingasiza ukugcina isitolo sakho siphephile emisebenzini yokukhwabanisa.
Izici:
- Yamukela 100+ zezimali.
- Inabasebenzisi abayizigidi ezingama-400+ neminyaka engu-20+ yesipiliyoni.
- Isilungiselelo sebhizinisi le-PayPal sikuvumela ukuthi uthuthuke ngaphandle kwezinkinga zesango.
- Isebenzisa ukubethela kwe-128-bit SLL ngokuphepha.
- Izindleko zesondlo zaminyaka yonke zero.
- Uhlelo lokusebenza lwe-PayPal luyatholakala kukho kokubili i-iOS ne-Android SDK.
- Ivumela ukuthengiselana ngekhodi ye-QR.
I-Transaction Fee:
- 5%+3 INR ngomsebenzi ngamunye
I-Razorpay
Yasungulwa ngo-2013 ngu-Shashank Kumar no-Harshil Mathur, i-Razorpay yinkampani ye-fintech yaseNdiya ehlinzeka ngezixazululo eziphelele zokukhokha kubathengisi, abathengisi be-eCommerce, nabathengisi. Lolu hlelo lwenza kube lula yonke inqubo yokukhokha kusukela ekuqaleni kuya ekugcineni.
Qala ibhizinisi lakho futhi lisebenze ngemizuzu ngokusetha okulula kwesango lokukhokha le-Razorpay! I-Razorpay ikuvumela ukuthi wamukele izinkokhelo zamakhasimende ngokusebenzisa izinketho eziningi, njengamasango okukhokha, izixhumanisi, amakhasi, i-SmartCollect, nokubhaliselwe.
Ngaphezu kwalokho, i-Razorpay igqama ngokwenza kusebenze ngokushesha okukhulu nokuhlanganiswa okulula. Ngosizo lwaleli sango, abasebenzisi bathola ukufinyelela Ideshibhodi ebavumela ukuthi babuke idatha yokuthenga yesikhathi sangempela. Ngakho-ke, wonke umuntu, kusukela kwabazimele kanye nabantu abazisebenzayo kuze kufike ezinkampanini ezinkulu, uzuze ezicini zokuphepha ze-Razorpay kanye nokusebenziseka kalula kwayo.
Izici:
- Ukuhlanganiswa okulula nama-SDK abhalwe kahle, ama-API angama-RESTful nama-plugin
- Ukusekelwa kwezimali ezingama-92
- Ukuguqulwa kohlobo lwemali ngesikhathi sangempela
- 100+ izindlela zokukhokha
- Umuzwa osezingeni eliphezulu ngesikhathi sokuphuma
- Izinkokhelo ezisheshayo
- Ukubika Okuphelele kanye Nokuhlaziya
I-Transaction Fee:
- 2% kumakhadi edebhithi/esikweletu aseNdiya, ukubhanka kwensalela, i-UPI
- U-3% ku-Diners naku-Amex Cards, Amakhadi Amazwe Ngamazwe, i-EMI (Ikhadi Lesikweletu, I-Debit Card & Cardless) kanye Namakhadi Esikweletu Ebhizinisi (Ibhizinisi)
Izinkokhelo zamahhala
I-Cashfree Payments isango eliphambili lokukhokha lase-India kanye nenkundla yokukhokha ye-API ese-Bangalore eye yasiza impumelelo yabathengisi abangaphezu kuka-100,000+.
Isungulwe ngu-Reeju Datta kanye no-Akash Sinha ngo-2015, i-Cashfree inikeza izixazululo zokukhokha eziku-inthanethi ezingenamthungo zamabhizinisi amakhulu namancane ukuze kuqinisekiswe ukuphepha kwezezimali. Leli sango lokukhokha linesixazululo esibizwa ngokuthi “Cashgram.” Nge-Cashgram, amabhizinisi angakwazi ukuqoqa izinkokhelo ngokushesha nangokuphephile ngokuthumela abasebenzisi bawo isixhumanisi sewebhu.
Izici:
- Izinketho zokukhokha ezingu-120+
- Ukubuyiselwa kwemali okusheshayo okuhlanganisa ukubuyiselwa kwemali kwe-oda le-COD
- Azikho izindleko zokusetha
- Ukuhlanganiswa kwewebhusayithi okulula nama-RESTful APIs ne-JavaScript SDK
- Yamukela amakhadi, 75+ Net banking alternatives, wallets mobile, UPI, NEFT, IMPS, kanye PayPal
- Usekela ngaphezulu kwezimali ezingama-32
I-Transaction Fee:
- Isamba semali yasebhange, isikweletu, nekhadi ledebhithi kubiza u-1.75% kumabhange angaphezu kuka-70.
- Cardless futhi Khokha Kamuva: 2.5% ngomsebenzi ngamunye we-EMI
- U-3.5% kanye no-7 INR ngokwenziwa kwekhadi lesikweletu lamazwe ngamazwe
Isango Lokukhokha le-HDFC
Isango le-HDFC Bank Payment likwenza kube nzima kumakhasimende ukukhokha izikweletu zawo ngokusebenzisa ibhange le-inthanethi.
Isevisi yayo ye-API inikeza indlela engenazihibe yokwamukela okwenziwa ngekhadi lesikweletu ngokuqondile kumakhasimende akho futhi ihlanganisa nezinkundla ezidumile ze-e-commerce njenge-WooCommerce ne-Shopify.
Ngesixhumi esibonakalayo esisebenziseka kalula esisebenziseka kalula kanye nobuchwepheshe obuphambili, i-HDFC Payment Gateway iyisixazululo esiphelele sazo zonke izidingo zakho zokukhokha ku-inthanethi.
Izici:
- Kulula ukuhlanganisa izindlela zokukhokha eziyi-100+
- Isevisi yamakhasimende yamahora angu-24
- Ukuphuma ngokushesha
- Vikela inkundla yokuthengiselana eku-inthanethi
- I-akhawunti yamanje ye-HDFC kuphela ethola inkokhelo, okuthatha usuku olulodwa.
I-Transaction Fee:
- Ukusetha kubiza INR 20,000 + intela yesevisi (inani lesikhathi esisodwa nelingabuyiswa)
- Ukuthenga ngekhadi lesikweletu/ledebhithi kubiza u-3% -10% + intela yesevisi
- Ukunakekela ngonyaka kubiza ama-Rs.10,000
Isiphetho
Inketho ngayinye yesango lokukhokha ithembekile, ivikelekile, futhi ilungele amabhizinisi ukwamukela izinkokhelo ku-inthanethi.
Izici, izinkokhelo, nokusebenziseka kalula kuyehluka, ngakho khetha leyo ehambisana kangcono nezidingo zebhizinisi lakho. Njengoba kunesango lokukhokha elivikelekile, uzokwazi ukuqala ukwamukela izinkokhelo ngokuzethemba nangokukhululeka.
Qiniseka ukuthi uhlola inketho ngayinye ngokucophelela ngaphambi kokwenza isinqumo sakho!
shiya impendulo