Barnaamijyada lacag-bixinta moobilka ayaa kuu oggolaanaya inaad lacag u dirto qof kasta adigoo isticmaalaya waxaan ahayn taleefankaaga. Bangiyada intooda badan waxa ku jira awoodaha lacag-diridda, laakiin waxa ka dhigaya barnaamijyada lacag-bixinta mobilada ee gaarka ah inay ka duwan yihiin inaadan u baahnayn inaad furato akoon bangi oo buuxa si aad u isticmaasho. Intaa waxaa dheer, waxaa laga yaabaa inaad horeba ugu haysay app-ka taleefankaaga!

Inta badan barnaamijyada lacag bixinta ee Android iyo iOS waxa lagu dejin karaa ilbiriqsiyo gudahood sababtoo ah kaliya waxay u baahan yihiin lambarka kaarka deynta. Qaar kale ayaa laga yaabaa inay isticmaalaan lambarkaaga bangiga iyo lambarka akoonkaaga, laakiin si kastaba ha noqotee, waxaad si buuxda u maamusho bangiyadaada loo isticmaalo dirida iyo helitaanka lacagta.

Waxa ugu wanagsan, mid kasta oo ka mid ah abkani 100% waa bilaash inta badan sifada, ku dhawaad ​​dhamaantoodna waxay leeyihiin lacag eber ah. Waxa jira xaddidaadyo yar oo adeeg kasta ah, laakiin kuma filna inay joojiyaan dadka intooda badan isticmaalkooda.

Cash App

Cash App -ka waa mid ka mid ah barnaamijyada xawilaadda lacagaha ee bilaashka ah ee si fudud loo isticmaali karo. Kaliya^(Just) ku dar kaarka deynta akoonkaaga si aad dadka lacag ugu dirto ilbiriqsiyo gudahood, waxayna isla markiiba ka muuqan doontaa akoonkooda. Way fududahay inaad lacag codsato, sidoo kale.

Wax dhab ah oo nadiif ah oo ku saabsan Cash App -ka ayaa ah in aad hesho magac isticmaale oo gaar ah, oo loo yaqaan $ Cashtag , kaas oo qof kasta oo app-ka wata uu u isticmaali karo inuu lacag kuu soo diro. Waxaad xitaa heli doontaa degelkaaga gaarka ah (in ka badan profile fudud) halkaasoo isticmaalayaashu ay ka soo booqan karaan kombuyuutar oo ay si toos ah lacag kuugu soo diri karaan adigoon shaaca ka qaadin mid ka mid ah macluumaadkaaga shakhsiyeed.

Marka aad lacag ku haysato akoonkaaga App-ka Cash^{(Cash App)} , waxa aad ku haysan kartaa oo aad si bilaasha ugu isticmaali kartaa kaarka debit-ka ee ku jira, kaas oo sidoo kale ah lacag la'aan oo xitaa taageerta sifooyinka lacag-celinta. Ama, waxaad ku wareejin kartaa lacagtaada App-ka Cash-ta ah bangigaaga adiga oo isticmaalaya xisaabta/lambarka khadka.

Waxaad sidoo kale ku iibsan kartaa Bitcoin App ^(Bitcoin)Cash^{(Cash App)} . Xadka wax iibsiga Bitcoin^(Bitcoin) ee toddobaadlaha ah waa $10,000, iyo in kasta oo laga yaabo in ay fidiso dadka intooda badan, way fiicantahay in la ogaado ikhtiyaarka waa in aad hesho cuncunka crypto.

Xadka App-ka Lacagta^{(Cash App Limits)} :

• Toddoba maalmood gudahood: $250, markaas ka dib waa inaad xaqiijisaa lambarkaaga sooshal sekuuritiga iyo macluumaadka kale ee shakhsiyeed si aad kor ugu qaaddo xadka ilaa $2,500/toddobaadkii
• Lacag caddaan ah oo toddobaadle ah: $25,000
• Lacag bixinta ATM-ka: $250 / macaamil ganacsi, $250 / 24 saacadood, $1,000 / usbuuc, iyo $1,250 / bishii
• Khidmadaha^(Fee) (ku salaysan qaddarka) markaad isla markiiba ula baxayso bangiga; lacag la'aan ah ka-noqoshada caadiga ah ee qaadata dhowr maalmood

Waxaad ka isticmaali kartaa App Cash ka boggooda internetka^{(from their website)} ama abka Android ama iOS .

Google Pay

Google Pay waa isku dayga Google ee suuqa lacag bixinta mobilada, waxayna qabteen shaqo hufan. Adeeggu waxa uu bixin jiray kaadhka deynta laakiin hadda waxa uu ka shaqeeyaa onlaynka oo keliya mareegaha ama app-ka, laakiin waxa uu leeyahay xad aad u sarreeya haddii aad qorshayso in aad u isticmaasho lacag-bixinno waaweyn.

Wax aan ka jecelnahay Google Pay waa in ay ku hayn karto lacag caddaan ah akoonkaaga Google si aad u go'aansato inta lacag ah ee lagu daadinayo akoonnada bangigaaga, haddii aad leedahay dhowr. Ama, waxaad dooran kartaa koontada caadiga ah si lacag kasta oo laguu soo diro ay isla markiiba u gasho bangigaaga (oo inta badan waa isla markiiba^{(immediately)} ).

Markaad u tagto inaad lacag cusub u bixiso qof, ama adiga oo dooranaya qofka lala xidhiidhinayo ama gelaya iimaylka/taleefanka, waxaad si buuxda u koontaroolaysaa akoontiga lacagtu ka soo baxayso: bangiga, kaadhka deynta, ama hadhaaga Google Pay . Waxa kale oo aad ku dari kartaa qoraal wax kala iibsiga si ay u sahlanaato kaydinta diiwaanka.

Waxaad ku diri kartaa oo aad lacag ka codsan kartaa Google Pay, oo xitaa iska diiwaan geli xasuusinta si aad u hesho digniin marka ay tahay wakhtiga dirida/codsiga lacag mar labaad (sida kirada, shaqada, iwm.).

Xadka Lacag-bixinta Google^{(Google Pay Limits)} :

• Hal wax kala iibsi: Ilaa $10,000
• Toddoba maalmood gudahood: Ilaa $10,00
• Deganeyaasha Florida^(Florida) : Ilaa $3,000 24-kii saacba
• Wax kala iibsiga ka badan $2,500: Qaatuhu waa inuu ku daraa xisaab bangi si uu lacagta u helo

Google Pay waxaa lagu isticmaali karaa onlaynka ah browserka webka^{(online in a web browser)} ama aaladaha moobilada ee Android ama iOS .

PayPal

PayPal waxa ay jirtay wakhti dheer, laakiin wali waa mid ka mid ah apps lacag bixinta mobilada ee ugu wanaagsan ee aad soo dejisan karto. Waxay kuu ogolaanaysaa inaad lacag u dirto aduunka oo dhan, iyo wax badan sida Cash App , sidoo kale wuxuu kuu ogolaanayaa inaad hesho kaarka lacag -bixinta ee PayPal oo bilaash ah.

Nasiib darro, khidmadaha ayaa xoogaa jahawareersan in la fahmo, markaa waa muhiim inaad si fiican u akhrido^{(read through them thoroughly)} . Dadka intooda badan, in kastoo, kuwaas oo ka ganacsata sababo shakhsi ahaaneed waa in aysan wax dhib ah kala kulmin isticmaalka PayPal gabi ahaanba bilaash ah.

Sida Cash App -ka, waxaad heli kartaa ciwaanka PayPal.me Isticmaalayaasha ^(PayPal.me)PayPal waxay soo booqan karaan si ay si fudud lacag kuugu soo diraan. Xisaabaadka PayPal^(PayPal) waxaa sidoo kale loo qoondeeyay kood QR gaar ah; la wadaag si ay kuwa kale lacag kuugu soo diraan si fudud adiga oo iska sawiraya koodkaaga, ama sawir kooda si ay lacagta kuugu soo diraan.

Xadka PayPal^{(PayPal Limits)} :

• Keliya wax kala iibsiga: 2.9% khidmad haddii lagu dirayo ama lagu helayo lacag kaarka deynta ama kaarka deynta (lacag la'aan xisaabaadka bangiga)
• Kaarka deynta degdega ah oo lagala baxay: $5,000 / macaamil ganacsi, /maalin, iyo / usbuuc; $15,000/bishii
• Waxaa jira kharashyo kale oo PayPal ah^{(other PayPal fees)} oo la tixgeliyo

Isticmaal PayPal online^{(Use PayPal online)} ama abka moobaylka: iOS ama Android .

Zelle

Zelle ilaa hadda waa abka ugu fudud liiskan. Marka waxaas oo dhan la sheego oo la dhammeeyo, waa abka xawilaadda bangi-bangi oo run ah. Si ka duwan abka hore loo sheegay, ma jirto meel ka mid ah akoonkaaga Zelle oo lacagtu kor u kacdo ilaa aad mar kale ka guurto. Si kale haddii loo dhigo, marka qof kuu soo diro lacag, waxay si toos ah u galaysaa bangiga aad dooratay… inta badan ilbiriqsiyo gudahood^(seconds) !

Kadib marka aad soo dejiso app-ka, waa in aad ku xidha lambarkaga telefoonka kaadhka kaadhka deynta, halkaas oo aad lacag uga diri kartaa ama lacag ka codsan kartaa qof kasta. Haddii aysan wali haysan Zelle , waxay ku dari karaan kaarkooda debit app-ka si ay u aqbalaan wareejintaada ama lacag kuugu soo diraan; waxaa jira 14 maalmood oo fadli ah kiisaskan oo kale.

Adeegga Zelle waxa uu hore ugu dhex dhisay barnaamijyada bangiyada qaarkood, laakiin haddii bangigaagu aanu taageerin, markaa appku waa habka kaliya ee aad ku isticmaali karto, aad^{(super )} bay u fududahay in la isticmaalo. Sawirka kore ayaa ku filan in la fahmo sida dhabta ah ee app-kan uu yahay.

Hal qoraal oo dhinaca kale ah ayaa ah in aad awoodid, haddii aad sidaas doorato, samee laba akoon oo Zelle ah: mid isticmaalaya ciwaanka emailkaaga kaas oo ku xidhan bangigaaga Zelle -enabled, iyo mid kale oo leh lambarkaaga taleefanka adoo isticmaalaya app Zelle . Haddii aad leedahay akoonno bangi oo badan oo aad jeceshahay inaad lacag u kala guurto, Zelle waxay u shaqayn doontaa sidii adeeggaaga wareejinta siliga bilaashka ah!

Xadka Zelle^{(Zelle Limits)} :

• $500 muddo toddobo maalmood gudahooda ah haddii bangigaagu aanu taageerin Zelle

Waxaad ka heli kartaa Zelle ee Android iyo iOS .

Facebook Messenger

Dadka intiisa badan waxa ay hore ugu rakibeen Messenger -ka talefankooda ama waxa ay ku furteen browser-kooda, markaa ku dirida lacagta adeega fariimaha Facebook waxa laga yaabaa inay noqoto habka ugu fudud. Xitaa uma baahnid inaad kala baxdo macluumaadka bangigaaga!

Si tan loo sameeyo, ku xidh kaadhka deynta ama koontada PayPal akoonkaaga Facebook^{(tie your debit card or PayPal account to your Facebook account)} , ka dibna fariin cusub u fur qofka aad rabto inaad lacag u dirto ama lacag ka codsato.

Kumbuyuutar ka, dhagsii calaamadda lacagta ee barta aaladda, ku qor qaddarka qaybta Mushahar bixinta^(Pay) ama Codsiga^(Request) , oo isla markaaba lacag ku beddelasho isla markaaba intaad qoraal dirayso. Taleefanka, isticmaal app-ka-yar ee saaxiibka Pay Friend^{(Pay Friend)} ee menu-ka apps-ka ee Messenger-ka.

^{(Messenger Limits)}Xadka Rasuulka

• Waxay u shaqeysaa kaliya isticmaalayaasha Faransiiska^(France) , Mareykanka, iyo UK
• Waxa kaliya oo aad lacag u diri kartaa dadka ku nool isla dalkaaga
• Ku dirida lacagta PayPal -ka waxa laga heli karaa oo keliya Maraykanka

Isticmaalka Messenger si aad lacag uga hesho ama uga dirto asxaabta waxa lagu samayn karaa browser^{(through a browser)} -ka kombayutarka ama barnaamijka Android ama iOS .

Mezu

Mezu waa app lacag dirid gaar ah sababtoo ah gabi ahaanba waa qarsoodi, wuxuu kuu ogolaanayaa inaad lacag u dirto meel kasta oo ay ku nool yihiin, xitaa waxaa ku jira ciyaar aad lacag ku samayn^(make) karto (inkasta oo caadi ahaan ay yar yihiin).

Waa kan sida ay u shaqeyso: Geli inta lacag ah ee aad rabto inaad dirto si appku u soo saaro kood ku meel gaar ah, ka dibna la wadaag koodka qof ka hor inta uusan dhammaan wakhtiga lacagta loogu wareejinayo akoonkiisa isla markiiba. Faahfaahin shakhsi ah lama wadaago, waxaadna diri kartaa xoogaa ka hor inta aanad gaarin xadka.

Waxa kale oo aad lacag ka codsan kartaa dadka, lacag u diri kartaa dadka lala xidhiidhayo (kood looma baahna, laakiin maaha qarsoodi), iyo xitaa waxaad samayn kartaa dhigaal ku salaysan goobta halkaas oo qof kasta oo agagaarkaaga jooga uu lacag ku ridi karo akoonkaaga adiga oo aan u baahnayn inaad wadaagto koodka.

Dhowr jeer todobaadkii, Mezu wuxuu martigeliyaa ciyaar la yiraahdo Mezu Money Time . Kadib markaad dhegaysato xayaysiis dhowr daqiiqo ah, waxaad la tartameysaa ciyaartoyda kale si aad u aragto cidda sida ugu dhaqsiyaha badan u geli karta koodka la bixiyay. Ciyaar kastaa way ka duwan tahay, laakiin inta badan, ciyaartoyda ugu dhaqsaha badan waxaa la siiyaa xoogaa lacag ah, inta badan wax kasta oo u dhexeeya $ 2 ilaa $ 20.

Xadka Mezu^{(Mezu Limits)} :

• Toddoba maalmood gudahood: $2,999.99
• Hal macaamil ganacsi: $499.99 si qarsoodi ah
• Hal macaamil ganacsi: $1,999.99 lala xidhiidh
• Ka noqoshada: $2,999.99 ka bixitaan kasta

Adeegga Mezu wuxuu ku shaqeeyaa aaladaha mobilada oo keliya, labadaba iOS iyo Android .

6 Best Mobile Payment Apps

Mobile payment apрs let you send money to anyone using nothing but your phone. Most banks include money-sending capabilities alreаdy, but what makes dedicated mobile payment aрps different iѕ that you don’t need to оpen a full-fledged bank account to use them. Plus, you might already have thе app on your phone!

Most payment apps for Android and iOS can be set up in seconds because they just need your debit card number. Others might use your bank routing number and account number, but either way, you have full control of which of your banks get used for sending and receiving money.

Best of all, each of these apps are 100% free for most of the features, and nearly all have zero fees. There are a few limitations with each service, but they aren’t large enough to stop most people from using them.

Cash App

Cash App is one of the easier-to-use free money transfer apps. Just add your debit card to your account to send people money in seconds, and it will show up in their account immediately. It’s just as easy to request money, too.

Something really neat about Cash App is that you get a unique username, called a $Cashtag, that anyone with the app can use to send you money. You’ll even get your own unique website (more of a simple profile) where users can visit from a computer and send money directly to you without disclosing any of your personal information.

Once you have money in your Cash App account, you can keep it there and use it free with the included debit card, which is also free and even supports cash-back features. Or, you can transfer your Cash App funds to your own bank via the account/routing number.

You’re also able to buy Bitcoin with Cash App. The weekly Bitcoin purchase limit is $10,000, and while that might be a stretch for most people, it’s nice to know the option is there should you get the crypto itch.

Cash App Limits:

• Within seven days: $250, after which you must verify your social security number and other personal information to raise the limit to $2,500 /week
• Weekly cash-outs: $25,000
• ATM withdrawals: $250 /transaction, $250 /24 hours, $1,000 /week, and $1,250 /month
• Fee (based on amount) when withdrawing instantly to bank; no fee for standard withdrawals that take a few days

You can use Cash App from their website or via the Android or iOS app.

Google Pay

Google Pay is Google’s attempt at the mobile payment market, and they’ve done a decent job. The service used to offer a debit card but currently only works online from the website or app, but it has really high limits if you plan on using it for large payments.

Something we like about Google Pay is that it can hold cash in your Google account so that you can decide how much money to disperse to your bank accounts, if you have multiple. Or, you can choose a default account so that any money sent to you goes into your bank immediately (and it usually is immediately).

When you go to make a new payment to someone, either by selecting the contact or entering their email/phone, you have full control over which account the money comes out of: a bank, debit card, or your Google Pay balance. You can also add a memo to the transaction for easier record keeping.

You can send and request money through Google Pay, and even sign up for reminders to get alerted when it’s time to send/request money again (like for rent, work, etc.).

Google Pay Limits:

• Single transaction: Up to $10,000
• Within seven days: Up to $10,00
• Florida residents: Up to $3,000 every 24 hours
• Transactions over $2,500: Recipient must add a bank account to get the money

Google Pay can be used online in a web browser or from an Android or iOS mobile device.

PayPal

PayPal has been around a long time, but it’s still one of the better mobile payment apps you can download. It lets you send money all around the world, and much like Cash App, also lets you get a free PayPal debit card.

Unfortunately, the fees are a bit confusing to understand, so it’s important to read through them thoroughly. Most people, though, who trade for personal reasons should have no problem using PayPal absolutely free.

Like Cash App, you can get a PayPal.me address PayPal users can visit to easily send you money. PayPal accounts are also assigned a unique QR code; share it to have others send money to you easily by just scanning your code, or scan theirs to send the money.

PayPal Limits:

• Single transaction: 2.9% fee if sending or receiving money with a credit or debit card (no fee for bank accounts)
• Instant debit card withdrawal: $5,000 /transaction, /day, and /week; $15,000 /month
• There are other PayPal fees to consider

Use PayPal online or from the mobile app: iOS or Android.

Zelle

Zelle is by far the simplest app in this list. When it’s all said and done, it’s a true bank-to-bank transfer app. Unlike the apps already mentioned, there isn’t a place within your Zelle account where money gets held up until you move it again. In other words, when someone sends you money, it goes right into your bank of choice…usually in seconds!

After downloading the app, you must tie your phone number to a debit card number, and from there you can send money to or request money from anyone. If they don’t yet have Zelle, they can add their debit card to the app to accept your transfer or send money to you; there’s a 14-day grace period for cases like this.

The Zelle service is already built-in to some banking apps, but if your bank doesn’t support it, then the app is the only way you can use it, and it’s super easy to use. The screenshot above is enough to understand just how basic this app really is.

One side note is that you can, if you so choose, set up two Zelle accounts: one using your email address that’s tied to your Zelle-enabled bank, and another with your phone number through the Zelle app. If you have multiple bank accounts that you like to move money between, Zelle will work as your own free wire transferring service!

Zelle Limits:

• $500 within a seven day period if your bank doesn’t support Zelle

You can get Zelle for Android and iOS.

Facebook Messenger

Most people already have Messenger installed on their phone or open in their browser, so sending money over Facebook’s messaging service might be the easiest way yet. You don’t even need to pull out your bank information!

To do this, tie your debit card or PayPal account to your Facebook account, and then open a new message with the person you want to send money to or request money from.

From a computer, click the money symbol in the toolbar, type an amount in the Pay or Request section, and immediately exchange money right there while texting. From a phone, use the Pay Friend mini app from Messenger’s slide-out apps menu.

Messenger Limits:

• Works only for users in France, the US, and the UK
• You can only send money to people living in the same country as you
• Sending money via PayPal is available only in the US

Using Messenger to get or send money from friends can be done through a browser on a computer or with the Android or iOS app.

Mezu

Mezu is a unique money-sending app because it’s completely anonymous, lets you send money to anywhere no matter where they live, and even includes a game where you can make money (albeit normally small amounts).

Here’s how it works: enter how much money you want to send to have the app generate a temporary code, and then share the code with someone before the time runs out for the money to transfer to their account instantly. No personal details are shared, and you can send quite a bit before reaching limits.

You can also request money from people, send money to contacts (no code required, but it’s not anonymous), and even create location-based deposits where anyone in the vicinity can drop money into your account without you having to share codes.

A few times a week, Mezu hosts a game called Mezu Money Time. After listening to an ad for a couple minutes, you compete with other players to see who can enter the given code the fastest. Every game is different but usually, the fastest players are awarded some money, often anything from $2 to $20.

Mezu Limits:

• Within seven days: $2,999.99
• Single transaction: $499.99 anonymously
• Single transaction: $1,999.99 with a contact
• Withdrawal: $2,999.99 for any single withdrawal

The Mezu service runs on mobile devices only, both iOS and Android.

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