E-Wallet Kya Hai? Or Cashless Transaction Kaise Kare?

Aaj kal internet banking ka zamana hai, or har koi apna chote se chota kaam bhi online karna pasand karta hai. Jaise ki Mobile recharge, DTH, Bill payment etc. Aaj kal har kisi ke paas Credit ya Debit Card hai, Jisase wo badi hi asani se cashless transaction kar sakta hai, Cashless hone ki suruaat Debit card se ho chuki thi jo ab E-Wallet tak pahunch chuki hai. aur ise aap Mobile Wallet bhi keh sakte hai.

E-Wallet Kya Hai? Or Cashless Transaction Kaise Kare?

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E-Wallet Kya Hai?

Jis tarah bank humare paise ko Credit aur Debit Card ke jariye kharch(expense) karne ki suvidha deta hai thik waise hi kuch payment services Mobile App aur website ke dwara payment ki suvidha dete hai, Is suvidha ko E-Wallet kehte hai. Ye wallet me aap limited amount me cash rakh sakte hai, Jiske jariye aap jarurat padne par payment kar sakte hai, Aise me apko purse(wallet) ki jarurat nahi padegi,

Ab aap kahenge ki aise to hum Credit aur Debit card se bhi kar sakte hai to phir E-Wallet ki kya Jarurat hai?

E-Wallet ke Benefits :- 

– Card swipe karne ki zanjhat se mukti mil jayegi

– Payment karte samay apko card ki details dalne ki jarurat nahi padti aur kewal ek click par kaam ho jata hai

– Rail, Flight, aur Online shopping karte time Fast payment karne ki jarurat hoti hai nahito apka chance chala jayega, aise me ek click pe payment karne se apka kaam bahot hi fast ho jayega.

– Aap apne wallet se bina bank account wale ko bhi money send kar sakte hai.

– Ye payment system me kisibhi card ki details nahi bharni padti jisase apki security badh jati hai aur hacking ka khatara nahi rehta hai.

– Transaction Fail ho jane par wallet me paise jaldi refund mil jata hai.

E-Wallet ke Types :-

Upyog karne ke hisab se E-wallet 3 type ke hote hai.

1. Closed e-wallet :-  

Is type ke wallet e-commerce site ya Railway jaise services site me hote hai, isame paise deposit hote hai lekin isaka upyog kewal unki site par purchase karne ke liye hi kiya ja sakta hai, Jaise ki IRCTC aur Flipkart par maujud E-wallet.

2. Semi Closed e-wallet :-

is ke dwara har platform par payment kiya ja sakta hai, aur RBI dwara fix ki gayi maximum amount tak paise rakhe ja sakte hai. isame se kisibhi tarah ka cash nikala nahi ja sakta par aap usako transfer kar sakte hai, Jaise ki Paytm, Freecharge, Mobikwik etc.

3. Open e-wallet :- 

is type ke wallet kewal bank ke hi hote hai, Ye apke account ko hi wallet me badal deta hai, Jo paisa apke account me hoga wohi apke wallet me maujud hoga,

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Mobile par E-wallet:-

Kisibhi e-wallet ko aap Google, apple, ya windows ke app store se download kar sakte hai, ise upyog karne ki tips jante hai.

– App ko open karne ke baad apko email aur mobile number ki jarurat padegi. aur jo aap use karte hai wahi email aur mobile no. dale jisase verification me koi bhi problem na ho.

– Jab apka account open ho jayega tab apko add money ka option milega. Jisase aap apne Debit or Credit card se paise deposit kar sakte hai.

– Aapko apne account me jarurat ke mutabik paisa rakhane ki suvidha milti hai, Jisaki limit RBI ne tay ki hai, isame mahine me aap 10000 Rs. tak deposit kar sakte hai. Agar apko 10000 se jyada paisa rakhana hai to apko KYC ka form bharana padega aur apke account ko verify karna hoga. jisase aap 1 lakh rupees tak paise add kar sakte hai.

Popular Mobile Wallet:-

1) Paytm:-

Users base aur Merchant base ye desh ka sabse bada e wallet hai. Paytm me aap Mobile recharge, Bill payment,  DTH recharge, electricity bill, Gasbill, jaise bahot sare payment kar sakte hai. Aaj desh me sabse jyada Offline outlets par Paytm available hai. Jo isaki popularity batata hai.

2) Freecharge:-

Ye mobile recharge se bill payment jaise sab ke liye payment accept karta hai, aur Offline outlets par payment ki suvidh deta hai. 2015 me Snapdeal ne Freecharge ko purchase karliya tha, Jisase ab snapdeal pe payment ke liye Freecharge usaka digital wallet hai.

3) Mobikwik:-

Mobikwik ka upyog Mobile recharge aur bill payment ke liye kar sakte hai, aur isake alava bahot sari e-commerce site pe bhi mobikwik se payment kar sakte hai. Mobikwik me aap bina bank account ke bhi cash jama kara sakte hai. isake liye mobikwik ne cash pick-up ki service launch kar di hai.

Isake alava apko Oxigen Wallet, Chillr, Payumoney, Vodafone M-paisa, Airtel money jaise bahot sare  mobile wallet mil jayege jisase aap cashless transaction kar sakte hai.

Dosto ummeed karta hu ki aapko E-Wallet Kya Hai? Or Cashless Transaction Kaise Kare? ki puri information mili hogi, aur aap chahte ki apko isi tarah ki nayi jankari milti rahe to aap jarur ise share or subscribe kare.

Dosto aapko is post ke related koi bhi question ho to aap niche comment kar sakte ho.

 

5 Comments

  1. rakesh patel 04/02/2017
  2. Tech To Hindi 16/01/2017
  3. HindIndia 05/12/2016

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