Intuthuko entsha emakethe ngesikhathi i-India ithuthukela ekwenziweni kwedijithali kwe-ecosystem yokukhokha ku-inthanethi leyo yezinhlelo zokusebenza ezivumela abasebenzisi ukuthi bathenge namuhla futhi bakhokhele kusasa.
Lezi zinhlelo zokusebenza zivumela abasebenzisi ukuthi bathenge izinto namasevisi kubathengisi futhi babakhokhele kamuva, njengoba igama lisho.
TImpendulo efanelekile yalezi zinkinga ukusebenzisa izicelo ze-Pay Later, ezinikeza amaklayenti ngokuphephile futhi kalula umugqa wesikweletu ngaphandle kwenzalo.
Ezinye izindlela zokukhokha ezikhona ezinikeza amakhasimende umugqa wesikweletu zinemikhawulo ethile engokwemvelo, njengokungena ku-akhawunti yakho yasebhange ukuze uqedele konke okwenziwayo futhi unikeze idatha efana nemininingwane yasebhange, i-PIN, nokunye ukuze uqedele umsebenzi ngempumelelo.
Kulesi siqeshana, sizobheka kabanzi indlela yokukhokha kamuva esekwe ku-UPI nabathengisi abayihlinzeka kumakhasimende abo.
Kuyini ukukhokhelwa kamuva?
I-PayLater umqondo ovumela amakhasimende ukuthi athenge futhi akhokhele kamuva. Umqondo uqhathaniseka nalowo othi a credit card, nokho, alikho ikhadi langempela lesikweletu elikhona.
Umsebenzi ungaqedwa kalula futhi inani likhokhelwe ekupheleni komjikelezo wesikweletu, okuvamise ukuba yizinsuku eziyi-14 ubude.
Uma iqhathaniswa nekhadi lesikweletu, indlela ye-PayLater ivame ukubhekwa njengephephile futhi ishelela kakhulu ngoba alukho ulwazi olubucayi njengezinombolo zekhadi lesikweletu nemininingwane ye-akhawunti edingekayo.
Njengoba imakethe yezicelo ze-PayLater ikhula ngenani elikhulayo, izitolo eziningi ziye zazifaka njengendlela yokukhokha.
Izinhlelo zokusebenza ezihamba phambili ze-UPI Pay kamuva e-India
1. ICICI Bank
I-ICICI kwakuyibhange lokuqala e-India ukunikeza abathengi izinketho zokukhokha kamuva. Umkhawulo wesikweletu se-ICICI usukela ku-INR 5,000 kuya ku-20,000, kuye ngeholo lekhasimende kanye nokufaneleka kwekhredithi.
Ukuze bakhokhele izikweletu zabo ngesikhathi, abantu bangaxhuma kalula ama-akhawunti abo asebhange kusevisi yenkokhelo yakamuva futhi bakhethe inketho yokudonswa kwemali ngokuzenzakalelayo.
Izici
- Amakhasimende amanje afanelekayo e-ICICI Bank kuphela afanelekile.
- Imibandela yekhredithi efinyelela ezinsukwini ezingama-45
- Khokha izikweletu, ukhokhele abathengisi, noma uthenge nge-UPI ID.
- Itholakala ngohlelo lokusebenza lweselula, ukubhanga ku-inthanethi, namaPokhethi e-ICICI.
2. I-LazyPay
I-LazyPay ingenye yezinto ezithengwa kakhulu e-India manje, khokha ezinye izindlela. Ngenqubo ye-KYC engenamaphepha, inikeza umugqa wesikweletu osheshayo.
Ungakwazi ukuskena futhi ukhokhe noma usebenzise i-ID yakho ye-UPI ukuze ubhekane nawo wonke amabhizinisi amukela i-UPI. Abathengisi abangaxhunyiwe ku-inthanethi namasevisi aku-inthanethi afana ne-Ola, Uber, Flipkart, Myntra, Zomato, Swiggy, Bookmyshow, nabanye bayamukela inkokhelo.
Uma umsebenzi wakho udlula u- ₹10,000, ungakwazi ukuguqulela ku-Easy EMI ngokusekelwe ezinkethweni ezitholakalayo. Uhlelo lokusebenza lunikeza isikhathi sezinsuku eziyi-15 esingenayo inzalo ngemva kwalokho kufanele ukhokhe futhi ukhokhe i-akhawunti (ngomhla zi-3 kanye no-18 zenyanga ngayinye).
Ungakhokha ngokuzenzekelayo noma ngesandla usebenzisa i-UPI, ukubhanga ku-inthanethi, noma a I-debit card.
Izici:
- Sebenzisa i-UPI ukuze uskene futhi ukhokhe
- Umkhawulo wesikweletu omkhulu ongu- ₹100,000
- Isikhathi sezinsuku eziyi-15 sokungabi bikho kwenzalo
- Izaphulelo ezijwayelekile kubathengisi
- Khokha ezitolo eziku-inthanethi ezifana ne-Flipkart, Zomato, ne-Swiggy.
3. I-Jupiter Edge
I-Jupiter Edge iwuhlelo lokusebenza oluthembekile lwe-UPI olukhokhelwa ngeposi oluvela ku-Neo banking platform. Ihlinzeka ngesikweletu esingafika ku-R10,000 ezinkokhelweni ze-UPI ngaphandle kwenzalo. Lo mkhawulo wesikweletu ungasetshenziselwa ukukhokhela abathengisi abaku-inthanethi nabangaxhunyiwe ku-inthanethi abamukela izinkokhelo ze-UPI.
Ungasebenzisa uhlelo lokusebenza ukuchitha imali ezinhlelweni ezifana ne-Swiggy, Zomato, Amazon, Myntra, Bigbasket, nezinye.
Iphinde ikuvumela ukuthi ukhokhe izikweletu ngaphakathi nohlelo. Lokhu kuhlanganisa ukushajwa kabusha kwamaselula, amandla, amanzi, nezikweletu zegesi, phakathi kwezinye izinto.
Njalo ngenyanga, ngosuku lwe-15 nolwekugcina lwenyanga, kwakhiwa ibhili. Ngemva kokuba isikweletu senziwe, unezinsuku ezinhlanu zokukhokha.
Izici
- Izinsuku eziyi-15 isikhathi sokukhokha inzalo
- Thola umkhawulo wesikweletu ongafika ku-R10,000.
- Khokha ku-inthanethi usebenzisa izinhlelo zokusebenza ezifana ne-Swiggy, Zomato, ne-Amazon.
- Khokha ibhili yefoni yakho nezinye izikweletu zezinsiza.
4. I-Paytm Postpaid
I-Paytm ingesinye sezicelo zokukhokha ezidume kakhulu e-India. I-Paytm Postpaid inketho yokukhokha kamuva i-Paytm eyinika abathengi bayo abasebenzayo.
Ungasebenzisa isevisi ye-Postpaid ukukhokhela izinsizakalo ezifanelekile noma abathengisi abangozakwethu. Uma i-Postpaid isitholakala, izovezwa ezinqumweni zokukhokha.
Ukushajwa kabusha, ukukhokhelwa kwebhili, ukuthenga kwe-Paytm Mall, nabanye abathengisi eNdiya konke kufakiwe. I-Paytm manje isiyinkundla edume kakhulu e-India yokudluliselwa kwemali, izinkokhelo ze-BHIM UPI, ukushajwa kabusha, nezinye izinkokhelo ze-inthanethi.
Njalo ngenyanga, kwakhiwa ibhili. Umkhawulo wakho wokusebenzisa imali nge-Postpaid unqunywa umlando wakho wokwenziwe, ubudlelwano be-Paytm, nomlando wesikweletu.
Izici
- Kufika ku- ₹60,000 umkhawulo omkhulu.
- Khokha ezitolo ze-Paytm kanye nozakwethu abaku-inthanethi
- Isiza ekuthuthukisweni kwe-a isikolo sesikweletu.
- Khokha izikweletu zakho noma uthenge e-Paytm Mall.
- Isikhathi sezinsuku eziyi-30 sokungabi bikho kwenzalo
5. MobiKwik Zip
Imali evela ku-MobiKwik ZIP ingadluliselwa emabhange futhi isetshenziselwe ukukhokha izikweletu, ukuthenga izinto ungaxhunyiwe ku-inthanethi naku-inthanethi, ukuthenga amathikithi esitimela, nokunye.
Phakathi nomjikelezo wokukhokha, ababhalisile bangathola ikhredithi efika ku-INR 60,000 ngaphandle kwenzalo. Uma umjikelezo wokukhokha weqiwe, inkampani ivunyelwe ukufaka inzalo kumugqa wesikweletu. Umjikelezo wokukhokha uthatha izinsuku ezingama-21.
Ingosi inezaphulelo namadili ashintsha cishe nsuku zonke, okukuvumela ukuthi uthole imbuyiselo ezinkokhelweni ezifika ngesikhathi nokunye.
Ungasebenzisa futhi inkundla noma ezinye izinsizakalo ezinjengokudluliswa kwebhange, ukushajwa kabusha nokukhokha izikweletu, nokunye.
Izici
- Kunezinye izindlela zokukhokha ezimbalwa ezitholakalayo, okuhlanganisa amakhadi edebithi, amakhadi esikweletu, izikhwama zamaselula, i-UPI, nokubhanga ku-inthanethi.
- Kudingeka imali yokubhalisa engu-INR 99.
- Ukudluliswa kwe-wallet emabhange kukhokhiswa ku-3.95% + GST.
Isiphetho
Umqondo wokuthenga manje, nokukhokha kamuva ukuthi abathengi bangathola abakudingayo okwamanje kuyilapho besathola isikhathi esengeziwe sokukukhokhela. Uma ungakwazi noma ungafuni ukukhokhela okuthile ngesikhathi esisodwa, thenga manje, ukhokhe kamuva uxhaso lwezimali lungase luzwakale luheha.
Lezi zimali mboleko zelula isikweletu sakho ngaphandle kokufaka amanani enzalo ephezulu, kodwa ngohlelo lokubuyisela, ukuze ungaqedi nenqwaba yesikweletu esiqhubekayo.
Kodwa-ke, hlola ukuthi izinkokhelo ziyafinyeleleka yini nokuthi yiziphi izinhlawulo ongabhekana nazo uma ungakwazi ukukhokha. Funda imibhalo encane ekuthengeni manje, ukhokhe ngokuhamba kwesikhathi ezezimali ngokucophelela ukuze ubambe ngokugcwele imigomo ozibophezela kuyo.
shiya impendulo