Thenga manje, khokha kamuva isikhungo esithathwe ezimakethe ze-inthanethi kamuva nje. Kusukela kuzicelo nasezimakethe kuya kumakhadi esikweletu - wonke umuntu uza namasu okunikeza abantu ukuthi bathenge ngesikweletu.
Enye yezinto eziqanjiwe ezintsha kulo mkhakha ikhadi le-Uni, ikhadi elikunikeza ithuba lokuthenga manje bese ukhokha kamuva - cishe njengekhadi lesikweletu, kodwa elinomugqa wesikhathi omkhulu.
Masiqonde yonke into leli khadi elinikezayo nokuthi yini elenza lihluke kwezinye izinhlelo zokusebenza namakhadi esikweletu emakethe.
Liyini ikhadi le-Uni?
united yethule ikhadi lesikweletu lokuqala lohlobo lwalo elivumela abathengi ukuthi bathenge manje futhi bakhokhe ngokuhamba kwesikhathi.
Abasebenzisi be-Uni bangakhokha zonke izindleko abazenze ngenyanga eyodwa ngezitolimende ezintathu ezihlukene, phakathi nezinyanga ezintathu, ukuze kungadingeki bakhokhe isikweletu ngokuphelele ngesikhathi esisodwa.
Ingxenye engcono kakhulu ngekhadi le-Uni ukuthi uboleka le mali ngaphandle kwenzalo noma izindleko nhlobo, ngakho kumahhala ngokuphelele ukuyisebenzisa.
Ingabe ikhadi limahhala ngaphandle kwanoma yimiphi imigomo nemibandela?
Yebo, yebo. Okuwukuphela kwemali okufanele uyikhokhe yimali ekhokhwa sekwephuzile, esebenza uma weqa izinkokhelo zanyanga zonke. Ngaphandle kwalokho, ikhadi lingasetshenziswa mahhala ngokomkhawulo otholakalayo.
Lethulwe yi-Uniorbit Technologies, leli khadi lisebenzisana ne-RBL Bank futhi lihlinzeka ngezinsizakalo zamahhala unyaka wonke kuze kube usuku lokugcina lukaJanuwari.
Ikhadi elinophawu lwe-Visa lisusa izinkinga zokukhokha ku-inthanethi futhi ungaxhunyiwe ku-inthanethi njengoba ikhadi lingasetshenziswa kuwo wonke amawebhusayithi nezitolo zomthengisi ezamukela amakhadi e-Visa.
Ukwengeza, uma ukhetha ukukhokha sonke isikweletu ndawonye, ikhadi le-Uni lizophinde likunikeze isaphulelo esingu-1% yenani eliphelele.
Izici ze-Uni Card
Chithani ndawonye, khokhani izingxenye
Ngamakhadi e-Uni, ungasebenzisa imali eningi ngendlela umkhawulo okuvumela ngayo isikhathi esithile ngaphandle kokukhathazeka ngenkokhelo.
Ngemva kwalokho, ungakwazi ukubuyisela umbolekisi ngezingxenye ezintathu ezahlukene ezinyangeni ezintathu ezahlukene ngaphandle kwenzalo. Kwenza ngathi ikhadi lesikweletu lokho kukunikeza ukuguquguquka kokukhokha noma nini lapho ufisa ngaphandle kokukhokha okuthile okwengeziwe.
Izimbuyiselo zemali
Ngokungafani namakhadi amaningi, i-Uni inikeza ukubuyiselwa kwemali kanye nezaphulelo kubasebenzisi uma benza izinkokhelo ngokugcwele.
Ngakho-ke, uma unomuzwa wokuthi ungakwazi ukukhokhela yonke into oyichithile ngesikhathi esisodwa, usuthole isaphulelo esingu-1% noma imbuyiselo evela enkampanini!
Izinketho ezinde zokuhlukaniswa kwe-EMI
Uma ungakwazi ukubuyisela ithimba lekhadi le-Uni ngezitolimende ezintathu phakathi nezinyanga ezintathu, ungaphinda ukhethe izinketho eziguquguqukayo ze-EMI.
I-Uni ikholelwa ekunikezeni umsebenzisi ngamunye isikhathi asidingayo, ngakho-ke umsebenzisi angakhetha izinhlelo ezithengekayo ze-EMI kusukela kwezinyanga eziyisi-6 kuye kweziyi-18.
Inkokhelo yokujoyina enguziro
Azikho izinkokhelo noma izindleko ezifihliwe ezihilelekile ukujoyina ikhadi le-Uni futhi ujabulele izinzuzo zalo.
Ungamane ufake isicelo, usebenzise izinsiza, futhi ukhokhele lokho okuthengayo kuphela. I-Uni ayikhokhisi ngisho nezindleko zesondlo zonyaka kubathengi bayo bangaphambi kwesikhathi.
Izinga lokutholwa kwe-99.9%
U-99.9% wabathengisi kulo lonke elase-India bamukela ikhadi le-Uni Pay 1/3 lokuthenga ngedebithi nekhredithi.
Okufanele ukwenze ukuskena ikhodi ye-QR bese ulinda ukuthi okwenziwayo kucutshungulwe nge-Uni thenga manje uhlelo lokusebenza lokukhokha ngokuhamba kwesikhathi.
Khokha okungu-1/3 futhi ujabulele ngokugcwele
Kusukela ekuthengisweni kwemfashini, igrosa, izikweletu zikagesi kuye emithini nasekwenzeni iphathi - yonke into ihlanganiswa ngaphansi kwekhadi le-Uni Pay ngo-1/3 wesamba sezindleko.
Konke okunye kungaxazululwa ngokuhamba kwesikhathi njengokufisa kwekhasimende.
Transparency
Konke okwenzeka nge-Uni nakuhlelo lwayo lokusebenza kubonakala kubasebenzisi ngaphandle kwanoma yisiphi isihlungi.
Uma noma yiziphi izinkokhelo noma izinkokhiso zisetshenziswa ngaphandle kokukwazisa kusengaphambili, kunesiqinisekiso sokubuyiselwa imali esingu-100% i-Uni ekhokhayo.
Ithimba lokusekela eliqinile
Yonke into entsha idinga usizo oluqinile, futhi i-Uni Pay inikeza lokho kanye.
Ithimba labo labasekeli litholakala ubusuku nemini, futhi ungaxhumana nalo nge-imeyili noma nge-WhatsApp yebhizinisi ukuze usule noma yimiphi imibuzo ongase ube nayo. Isikhathi sabo sokuphendula esimaphakathi amahora ambalwa nsuku zonke.
Security
Lonke ulwazi olufaka ohlelweni lokusebenza lwe-Uni Pay luvikelekile futhi lubethelwe ukuze kuqinisekiswe ukuthi lonke ulwazi lomuntu siqu nedatha kuhlala kuvikelekile ngaso sonke isikhathi.
Akekho umuntu okwazi ukufinyelela ulwazi lwakho oluyimfihlo ngaphandle kwakho, ngisho nethimba le-Uni.
Izinzuzo ze-Uni Pay
- Inikeza izinhlelo ze-EMI eziguqulwa kalula zokukhokha.
- Imiklomelo kanye nokubuyiselwa kwemali kunikezwa uma inkokhelo yenziwe ngokugcwele nangesikhathi.
- Kudinga kuphela ukuthi ukhokhe u-1/3rd wenkokhelo ngesikhathi.
- 24*7 ukwesekwa kwamakhasimende okutholakala ku-imeyili, ingxoxo, namakholi.
- Izilawuli zekhadi zilawuleka kalula.
- Konke okwenziwayo kuyabonakala kuhlelo lokusebenza lwe-Uni, futhi imikhawulo ingasethwa njengokufuna kwakho.
- Izikhumbuzi zezikweletu eziningi zithunyelwa ngaphambi kwesitolimende ngasinye ocingweni lwakho naku-imeyili.
- Uma kwenzeka ubona isimo esiphuthumayo, ungakwazi ukukhiya ikhadi le-Uni ngohlelo lokusebenza ngokuchofoza kanye futhi ugweme noma imiphi imisebenzi yokukhwabanisa.
- Azikho izimali zokujoyina noma zonyaka.
Ukwesekwa kwamakhasimende kwe-Uni Card
Uma nje uvakashela iwebhusayithi noma ulanda uhlelo lokusebenza futhi usho imininingwane yakho ebonisa intshisekelo yakho ekhadini, ithimba le-Uni lithumela i-imeyili ekwamukela kumasevisi abo.
Uma usuqedile ukusetha i-akhawunti, ungashiya imibuzo yakho nge-imeyili noma uxoxe namathimba futhi ulindele ukushayelwa emuva kwamahora ambalwa.
Ithimba labo lokusekela lisebenza kakhulu futhi litholakala ubusuku nemini ukuze liqiniseke ukuthi uyasekelwa nganoma yiliphi ihora lemini noma ebusuku ngaphandle kokuhlupheka.
Ubani ofaneleka ukuthola ikhadi le-Uni Pay?
Ukuze uthole ukufinyelela ekhadini lokukhokha lase-Uni, kufanele ube isakhamuzi saseNdiya esingaphezu kweminyaka eyi-18 ubudala.
Ukuba nokuhle isikolo sesikweletu akuyona imfuneko edingekayo, kodwa uma wenza kanjalo, ungajabulela imikhawulo ephezulu yesikweletu ekhadini eyokwenza ukwazi ukuthenga okwengeziwe manje futhi ukhokhe inani ngezingxenye ezintathu kamuva.
Nokho, uma ngenhlanhla uke waphuthelwa yinkokhelo ohlelweni lokusebenza lwe-Uni, ngeke kuthinte isikolo sakho sesikweletu nganoma iyiphi indlela njengoba womabili amabhizinisi azimele omunye komunye.
Kufanele futhi uqinisekise ukuthi ikheli lokudiliva olifakile ukuze uthole ikhadi lakho kufanele lisebenzele i-RBL noma ithimba lekhadi le-Uni.
Okwamanje, abathumeli amakhadi emadolobheni amancane. Izinombolo zeselula ezixhunywe ku-PAN, Aadhar, kanye ne-Aadhar kufanele zivumeleke njengomthetho wokufaneleka oyimpoqo.
Imikhawulo yekhredithi yekhadi le-Uni
I-Uni inikeza omunye wemikhawulo ephezulu yekhredithi kubasebenzisi bayo uma befaneleka okufanayo. Ungathola amakhredithi aphezulu ngokufakazela i-Uni ngezikolo zakho zesikweletu.
Uma leli kuyikhadi lakho lokuqala, ungase uthole umkhawulo ophansi, kodwa njengoba uqala ukulisebenzisa futhi ukhokha ngesikhathi, umkhawulo uyandiswa ngokuhamba kwesikhathi.
Ikhadi likhipha umkhawulo noma yikuphi phakathi kuka-Rs 20,000 kuya ku-Rs 600,000.
Ngemva kokuba ikhadi selinikezwe wena, ungakwazi futhi ukufaka isicelo sokwengezwa komkhawulo wesikweletu ngemuva kwezinyanga eziyisithupha.
Kodwa-ke, uma ungasebenzisi ikhadi unyaka wonke, ithimba le-Uni livimba ikhadi lakho, lizwa ukungasebenzi. Kulokhu, udinga ukufaka isicelo sekhadi futhi, okubuye kube inqubo engenamthungo.
Ungasifaka kanjani isicelo sekhadi le-Uni: Igayidi ye-Stepwise
- Landa uhlelo lokusebenza lwekhadi le-Uni 1/3 noma dala i-akhawunti ngokusebenzisa yabo iwebhusayithi.
- Chofoza inkinobho ethi 'qalisa' futhi usho igama lakho, inombolo yocingo, ne-ID ye-imeyili.
- Inombolo yakho yeselula kufanele ixhunywe nenombolo yekhadi lakho le-Aadhar ukuze kuqinisekiswe ubuwena.
- Uma inombolo yakho yeselula isiqinisekisiwe, chofoza inkinobho yokufaneleka ukuze uqhubekele phambili.
- Faka imininingwane yekhadi lakho le-PAN njengegama eligcwele, inombolo ye-PAN, usuku lokuzalwa, bese uchofoza inkinobho 'elandelayo'.
- Khetha ubulili bakho njengesinyathelo esilandelayo bese uchofoza u-'qhubeka.'
- Isikrini esilandelayo esizovela sizobuza ngesimo sakho somsebenzi. Khetha eyiqiniso bese uchofoza inkinobho ethi 'hlola ukufaneleka manje'.
- Ngemva kokuchofoza inkinobho, isikrini esinamaphuzu akho esikweletu nomkhawulo sizovela ukuze sibone ukuthi uyalifanelekela yini ikhadi.
- Qedela i-KYC yakho ngokucindezela inkinobho ethi Qala i-KYC bese ulandela izinyathelo ezintathu.
- Ngemva kokuthi i-KYC isiqedile, setha iphinikhodi enamadijithi amane ukuze uvikele lonke ulwazi bese uchofoza inkinobho yomcibisholo uma iphasiwedi isethiwe.
- Thatha isithombe ozishuthe sona ukuze uqinisekise ubuwena bese uqedela i-KYC.
- Faka ikheli lakho lasekhaya lapho ofisa ukuthola khona ikhadi.
- Gcwalisa imininingwane yekheli lokulethwa ukuze uthole ikhadi bese uqeda inqubo yakho ye-KYC.
Ikhadi le-Uni lingcono kanjani kunamakhadi esikweletu?
- Ikhadi le-Uni alikudingi ukuthi ube nemiphumela edingekayo yesikweletu, okuyinto eyenziwa ngamanye amakhadi esikweletu.
- Ngekhadi le-Uni, ungakwazi ukukhokha ngokugcwele noma ngezitolimende ngokuthanda kwakho, kodwa ngamakhadi esikweletu, kufanele ukhokhe lonke inani ndawonye noma uthenge umkhiqizo ku-EMI.
- Ikhadi le-Uni alikhokhisi noma yiziphi izindleko, kanti, amakhadi amaningi esikweletu akhokhisa imali yokujoyina kanye nokulungisa.
- Nge-Uni, ungaba cishe no-7.5% yenani eliphelele elisele njengoba kufanele, okungama-5% kuphela kwamanye amakhadi esikweletu.
- Uma inani liyiswa phambili njengoba ukhokha nge-Uni, inkokhelo engu-5.5% iyakhokhiswa. Nakuba, amakhadi esikweletu akhokhisa inzalo kulo lonke inani elingakhokhiwe.
- I-Uni ayikhokhisi inzalo ezinkokhelweni zokukhokha sekwephuzile, kodwa amakhadi esikweletu ayayenza.
I-Uni Card FAQ
Zingaki izinsuku lapho umuntu ethola ikhadi lakhe ngemva kokwenziwa kwe-KYC?
Kuthatha cishe izinsuku ezintathu ngemuva kokugunyazwa ukuthi umsebenzisi athole ikhadi lakhe.
Kungenzeka yini ukwengeza imali ekhadini le-Uni kuma-wallet edijithali?
Cha, ungakwazi ukukhokha ngokuqondile kumthengisi ngekhadi le-Uni futhi ungalisebenzisi ukuze ugcwalise izikhwama zakho.
Ingakanani imali edingekayo ekukhokheni sekwephuzile?
Cishe u-20% yenani elingakhokhiwe likhokhiswa imali efike sekwephuzile. Ngakho-ke, uma unesamba esisele sika-Rs 10,000, ama-Rs 2,000 azokhokhiswa njengemali eyokugcina sekwephuzile uma ungenzi inkokhelo ngesikhathi.
Ikhadi le-Uni lingasetshenziswa kuphi?
Ikhadi lingasetshenziswa kuwo wonke amawebhusayithi aku-inthanethi nezitolo ezingaxhunyiwe ku-inthanethi ezisekela ukukhokha ngamakhadi e-Visa.
Ingabe ikhadi le-Uni limahhala impilo yakho yonke?
Yebo, uma ufaka isicelo saleli khadi khona manje, ungakwazi ukuthola umtitilizo wamahhala wokuphila konke kuze kube umhla zingama-31 kuJanuwari.
Ungafaka isicelo se-Uni Card lapha →
Isiphetho: Kufanele usifake nini isicelo saleli khadi?
Ikhadi le-Uni 1/3rd alithathi neze indawo yekhadi lesikweletu njengoba lingezi namaphoyinti omvuzo nezinye izinzuzo ezinikezwa ngamakhadi esikweletu.
Nokho, uma ungumuntu ofisa ukuba nemali eyengeziwe ngenkathi ukhokhela izinto, leli khadi ngelakho.
Ungakwazi nokufaka isicelo saleli khadi uma ungakakwazi ukuzitholela ikhadi lesikweletu kuze kube manje ngenxa yezizathu eziningi.
Njengoba inqubo yokuthola ikhadi le-Uni ilula kakhulu futhi iqonde kakhulu kunokuthola ikhadi lesikweletu, kuba lula ukufaka isicelo salo mkhiqizo. Ungakha umlando oqinile wesikweletu ekhadini le-Uni bese ufaka isicelo samakhadi esikweletu kamuva.
Leli khadi lingabuye ligcinwe njengesipele ekhadini lesikweletu ngezikhathi lapho ungafisi ukukhokha yonke imali esetshenziswe ngesikhathi esisodwa lapho inyanga iphela.
Ungaswayipha leli khadi ngokuthenga okungezi ne-EMI futhi ukhokhele umkhiqizo ngokuhamba kwesikhathi ngezitolimende ezintathu kalula.
shiya impendulo