Hindiya^(India) waxay rabta inay hadda noqoto lacag la'aan. Habka lacag-bixinta ee khadka tooska ah ayaa la kordhiyey, badideenna waxaan raadineynaa habab aamin ah oo ammaan ah oo lagu sameeyo. Haddii aad sidoo kale raadinayso isku mid ah, ka dibna maqaalkani adiga ayaa kuu ah. Wallet-ka gacanta^{(Mobile Wallets)} ama boorsooyinka dhijitaalka ah^{(Digital Wallets)} ama e-Wallet apps waxa ay kuu oggolaanayaan in aad bixiso biilasha korontada, ku shubista mobaylada, hel tigidhada filimada oo aad wax badan ka qabato si toos ah mobilkaaga. Markaad ku xidhid kaararka deynta ama kaararka^{(Debit Cards)} deynta ama akoonnada bangiga^(Bank) barnaamijyadan e-Wallet, waxaad si fudud wax uga bixin kartaa adiga oo isticmaalaya moobilkaaga.

Waxaad guud ahaan lacagta ku shuban kartaa boorsooyinkan dhijitaalka ah adoo isticmaalaya bangiga internetka ama kaarka ^(Internet)deynta^(Credit) ama kaarka^{(Debit Card)} deynta . Inta badan e-Wallets-kan, waxa jira xad Rs 20,000   isticmaalayaasha aan soo gudbin dukumeentiyadooda KYC Haddii aad soo gudbiso dukumeentiyadan, xadka waxa la gaadhsiiyaa Rs 1.00 lakh.

Kahor intaanan sii wadin, waa inaan wax yar ka ogaannaa UPI , taas oo ah kaabayaasha kor ku xusan kuwaas oo barnaamijyada isticmaala dhamaadka la dhisay, si ay u isticmaalaan sifooyinka ay bixiso. Interface Payment Interface^{(Unified Payment Interface)} ama UPI waa habka cusub ee lacag bixinta. Diridda iyo helista isticmaalka abka UPI waa sahlan iyadoo la isticmaalayo Ciwaanka Lacag bixinta^{(Payment Address)} Virtual ( VPA ) mana jirto baahi loo qabo in lagu daro faahfaahinta koontada ka faa'iidaystaha, lambarka koontada, iyo koodhka IFSC . Bangi kastaa wuxuu leeyahay app ^(Every)UPI u gaar ah oo hubiya inaad ku rakibtay UPI app ee bangigaaga kaas oo kuu ogolaanaya inaad dirto oo aad hesho lacag-bixinnada inta u dhaxaysa labada akoon ee bangiga.

Jeebabka Mobile^(Mobile) -ka ee Lacagaha Onlineka ah lagu bixiyo

Jeebabka mobiladu^(Mobile) waxa ay noo ogoladaan in aanu samayno lacag-bixinaha biilka, ku shubista mobaylka, lacagaha xawilaada iyo wax badan oo kale oo aan isticmaalno mobaylka. Iyadoo apps e-Wallet lagu rakibay moobilkaaga, uma baahnid inaad lacag caddaan ah qaadato. Maqaalkan, waxaan ku qori doonaa soo dejinta 10 apps boorsada gacanta ee Hindiya^(India) si lacag-bixinaha khadka tooska ah loogu sameeyo.

1. PayTM

PayTM waa mid ka mid ah boorsooyinka dhijitaalka ah ee ugu wanaagsan ee wax lagu bixiyo. Waxay kuu ogolaanaysaa inaad ku darto kaararka Credit/Debit oo aad ku xirto akoonkaaga bangiga. Isticmaal koodka QR si aad^(Make) u dirto oo aad u hesho lacag bixinta si sahal ah. Jeebka gacanta ee PayTM^(PayTM) wuxuu kuu ogolaanayaa inaad ka iibsato tigidhada filimada, ku shubista mobaylada onlaynka ah, bixinta biilasha korontada iyo wax badan oo ka mid ah mobilkaaga. Waxaa loo heli karaa Android , iOS, iyo Windows Mobile Phone.

Boostada ayaa ku tusi doonta sida loo isticmaalo Paytm si aad lacag-bixinaha onlaynka ah ugu samayso & xawaaladaha lacagta.

2. Mobikwik

Mobikwik waa barnaamij kale oo la taaban karo oo sugan kaasoo kuu ogolaanaya inaad lacag ku bixiso ama ku xawisho adigoo isticmaalaya nambarka gacanta. Waxay kuu ogolaanaysaa inaad ku shubato mobaylka oo aad biilasha ku bixiso ilbidhiqsiyo gudahood. Isticmaal^{(Use Mobikwik)} boorsada gacanta ee Mobikwik oo ka iibso wax kasta onlayn qiimo dhimis fiican leh. Bixinta biilasha, ku shubista moobilka, wax iibsiga iyo wax ka badan ayaa ku fududaaday jeebka gacanta ee Mobikwik . Waxaa diyaar u ah Android , iOS iyo Windows Phone .

3. Lacag la'aan^{(3. FreeCharge)}

FreeCharge e-Wallet wuxuu kuu ogolaanayaa inaad ku darto kaararka deynta iyo debit kuwaas oo fududeynaya bixinta lacag bixinta. Waa goobta lacag bixinta dhijitaalka ah ee ugu kobcaysa ee kuu ogolaanaysa inaad bixiso biilasha korantada, mobilada, iyo ku shubista DTH^(DTH) iyo in ka badan. Isticmaal^{(Use FreeCharge)} jeebka gacanta ee FreeCharge kana fogow safafka dhaadheer. Waxa ay sahlaysaa in si ammaan ah loo sameeyo lacagaha online-ka ah iyo kuwa dhijitaalka ah iyadoo la isticmaalayo mobaylka. FreeCharge wuxuu diyaar u yahay Android , iOS iyo Windows Phone .

4. Bankiga Gobolka Buddy^{(4. State Bank Buddy)}

State Bank Buddy by State Bank of India waa kii ugu horreeyay ee Hindiya^(India) n boorsada gacanta oo lagu heli karo 13 luqadood oo Hindiya^(India) ah. Isticmaalka lacagtan dirida ah, weydiinta xasuusinta si aad u nadiifiso kharashyada, lacag-bixinta biilka degdega ah iyo wax ka badan mobaylkaaga. Jeebka gacanta ee Buddy State Bank wuxuu^{(State Bank Buddy)} kaa caawinayaa inaad sidaas samayso adoo ku xidhaya kaadhadhka amaahda ama debit ka. Waxay kuu ogolaanaysaa inaad ku shubto lacagta jeebkaada oo aad ku bixiso dadka aad la xidhiidho buugga taleefanka. Waxaa loo heli karaa Android iyo iOS.

5. HDFC PayZapp

PayZapp oo ka socda HDFC Nabk waa u diyaar macaamiisha bangiyada oo dhan waxayna kuu ogolaaneysaa inaad lacag ku bixiso hal mar oo kaliya. Si fudud u bixi lacag bixinta adiga oo ku daraya faahfaahinta kaarka deynta ama kaarka deynta. Faahfaahinta kaadhkaagu waa ammaan bangiga umana baahnid inaad ka walwasho taas. Jeebka gacanta ee PayZapp^(PayZapp) wuxuu sameeyaa saddex hubin oo ammaan wax kala iibsi kasta. Waxaa loo heli karaa Android  iyo iOS .

6. Jeebabka ICICI^{(6. ICICI Pockets)}

App-ka jeebabka waa barnaamijkii ugu horreeyay ee jeebka gacanta ee Hindiya^(India) kaasoo kuu oggolaanaya inaad keento lacag-bixinno ku saleysan UPI^{(UPI-based payments)} . ICICI waxay samaysay boorsada gacanta, waxayna kaa caawinaysaa inaad lacag ku bixiso khadka. Hadda waxaad wax ka iibsan kartaa meel kasta, qof kasta ayaad lacag ku bixin kartaa oo bangi kartaa si fudud. Waxay kuu ogolaanaysaa inaad xawilato lacag, tigidhada tigidhada, sameyso dib u buuxinta mobilada iyo wax ka badan. Hal mar oo gujis ah, dirida iyo ka helida lacag bixinta isticmaalayaasha Jeebka^(Pocket) . Waxaa loo heli karaa Android iyo iOS .

7. ILMI^{(7. LIME)}

LIME waxaa bilaabay Axis Bank oo bixiya lacagahaaga, bangiyada, iyo tas-hiilaadka wax iibsiga. Waxay diyaar u tahay akoonka iyo kuwa aan xisaab lahayn. Bixi biilashaada wax iibsiga, ku shubista moobilka, iibso tigidhada filimada iyo in ka badan adigoo isticmaalaya LIME mobile e-wallet. Kaliya^(Just) ku dar faahfaahinta kaadhka deynta ama kaadhka deynta, waxaadna wax ku bixin kartaa moobilkaaga. Waxaa loo heli karaa Android .

8. PhonePe

PhonePe oo ka socota Shirkadda Flipkart Group waxay^{(Flipkart Group Company)} ka shaqeysaa Interface Lacag-bixineed Midaysan^{(Unified Payment Interface)} . Waxay kuu ogolaanaysaa inaad dhammaan lacagahaaga u bixiso si ammaan ah. Waxaad u samayn kartaa bangi xawilaad bangi adoo isticmaalaya ciwaanka lacag bixinta Virtual^{(Virtual Payment Address)} . Maadaama ay tahay abka UPI , looma baahna in lagu daro faahfaahinta koontada ka faa'iidaystaha. Jeebka gacanta ee PhonePe^(PhonePe) wuxuu ku siinayaa qiimo dhimis iyo kuuboonooyin markaad internetka wax ka iibsanayso. Waxaad ku shuban kartaa jeebka gacanta adiga oo ku xidhaya akoonkaaga bangiga oo kuu ogolaanaya inaad wax kala wareegto ugu badnaan ilaa 1 lakh rupees. Hubi inaad ku rakibtay jeebka elektaroonigga ah ee mobilkaaga oo lacag ku bixi onlayn. Waxaa loo heli karaa Android .

9. Ola Lacag^{(9. Ola Money)}

Ola Money waxay kuu ogolaaneysaa inaad bixiso dhammaan baahiyahaaga maalinlaha ah. Ku soo dallaci boorsada Ola Money adiga oo isticmaalaya kaarka deynta/debit ka ama bangiga saafiga ah. Lasoco^(Keep) macaamilkaaga adiga oo eegaya taariikhda wax kala iibsiga Bixinta kharashka Ola iyo kaabadaha kale ayaa sidoo kale fududeeyay isticmaalka jeebka gacanta. Jeebka gacanta ee Ola Money^{(Ola Money)} wuxuu kaa caawinayaa inaad lacag ugu xawisho asxaabtaada. Waxaa loo heli karaa Android iyo iOS .

10. Lacagta Airtel^{(10. Airtel Money)}

Lacagta Airtel Money^{(Airtel Money)} Wallet oo uu bilaabay Airtel Payments Bank . Lacag^(Make) bixi, lacag ku shubista mobilada oo u xawila saaxiibadaa akoon kasta oo bangi ah adoo isticmaalaya jeebka gacanta Waxaad wax ka iibsan kartaa onlayn qiimo dhimis iyo rasiidhyo waaweyn. Adeegyada bangiyada iyo xawaaladaha waxaa taageera Airtel Money . App-kan e-Wallet, waxa aad wax ku bixin kartaa hal mar oo kaliya. Waxaa loo heli karaa Android , iOS iyo Windows Phone Mobile^{(Windows Mobile Phone)} .

la cusboonaysiiyay Agoosto 30, 2018^{(UPDATED Aug 30, 2018)} : Airtel Wallet waa la joojiyay. Taa beddelkeeda, waxaad hadda isticmaali kartaa Airtel UPI ama BHIM app si aad lacag u dirto/ u hesho.

Isticmaalayaasha talefanka gacanta ee^{(Mobile Phone)} Windows 10 waxaa laga yaabaa inay rabaan inay iska hubiyaan Microsoft Wallet . Waxay u ogolaataa isticmaalayaasha inay si fudud Taabta^(Tap) oo ay bixiyaan^(Pay) ! Waxa jira dhowr jeebadood oo dhijitaal ah oo loogu talagalay Windows Phone Mobile kaaga . Waxaa laga yaabaa inaad rabto inaad iyagana fiiriso.

Akhri^(Read) : Waa maxay Kaararka amaahda ee Virtual^{(What are Virtual Credit Cards)} iyo sida iyo halkee laga helaa.

Waxaa jira dhowr kale oo sida Oxigen , Jio , iwm, kuwaas oo la heli karo. Hadda^(Currently) , MobiKwik , Paytm , FreeCharge ayaa laga aqbalayaa Tool Plazas . Lacag la'aana^(FreeCharge) waxa loo isticmaali karaa bixinta challans ganaaxa Booliiska . ^{(Police Fine)}Reliance Jio waxa ay qorshaynaysaa in ay keento 10 milyan oo xarumo ganacsi oo loogu talagalay qorshaheeda Ganacsatada Lacagta Jio^{(Jio Money Merchants)} . MobiKwik waxa aqbala IRCTC . Paytm waxay taageertaa tigidhada duulimaadka. Hadii adiga iyo qaatahaba aad leedihiin Paytm ama MobiKwikApps-ka lagu rakibay, waxaad ku wareejin kartaa lacag adoo si fudud u galaya lambarka mobilada. Waxa kale oo aad si toos ah lacag ugu diri kartaa xisaabaadka bangiga onlayn. Markaa iska hubi inaad hubiso dhammaan astaamahooda oo aad ka soo dejiso kuwa aad si toos ah uga soo dejisanayso dukaanka rasmiga ah ee app-kooda.

Kuwani waa qaar ka mid ah boorsooyinka mobilada ee ugu wanaagsan Hindiya^(India) si lacag-bixinaha khadka tooska ah loogu sameeyo. Waxaan rajeynayaa inaad u aragto qoraalkan mid faa'iido leh oo aad hadda bilowdo isticmaalkooda. Xulasho ma rabtaa? U fiirso kuwan beddelka ah ee PayPal^{(PayPal alternatives)} .

Isticmaalka boorsooyinka mobaylada ee moobilkaaga waxay kaa caawinaysaa inaad lacag la'aan noqoto oo aad lacag ka sameyso moobilkaaga. Haddii aad horeba mid isticmaalaysay, noogu soo sheeg faallooyinka kan aad door bidayso iyo sababta.^{(Using mobile wallets in your mobile helps you to go cashless and make payments from your mobile. If you are already using one, do let us know in the comments which one you prefer and why.)}

Akhri soo socda^{(Read next)} : Boorsooyinka Bitcoin ee ugu Fiican^{(Best Bitcoin Wallets)} .

List of best Mobile Wallets in India to Make Online Payments

India aims to become cashless now. The online mode of payments has been increased, and most of us are looking for safe and secure ways of doing it. If you are also looking for the same, then this article is for you. Mobile Wallets or Digital Wallets or e-Wallet apps allow you to pay electricity bills, mobile recharge, get movie tickets and do a lot more right from your mobile. By linking your Credit or Debit Cards or Bank accounts with these e-Wallet apps, you can easily make a payment using your mobile.

You can generally load money into these digital wallets via Internet banking or via your Credit or Debit Card. On most of these e-Wallets, there is a limit of Rs 20,000  for users who have not submitted their KYC documents If you submit these documents, the limit is raised to Rs 1.00 lakh.

Before we proceed, we should know a bit about UPI, which is the infrastructure on top of which end-user apps are built, so that they can use the features offered by it. Unified Payment Interface or UPI is the new mode of payment. Sending and receiving using the UPI app is simple using Virtual Payment Address (VPA) and there is no need to add the beneficiary account details, account number, and IFSC code. Every bank has it’s own UPI app and makes sure that you install the UPI app of your bank which allows you to send and receive payments between any two bank accounts.

Mobile Wallets to Make Online Payments

Mobile wallets allow us to make bill payments, mobile recharge, transfer funds and a lot more using mobile. With e-Wallet apps installed on your mobile, you are no need of carrying cash. In this post, I will list download 10 mobile wallet apps in India to make online payments.

1. PayTM

PayTM is one of the best digital wallets to make payments. It allows you to add your Credit/Debit cards and link your bank account to it. Make use of QR code to send and receive payments easily. PayTM mobile wallet allows you to buy movie tickets, online mobile recharge, pay electricity bills and more from your mobile. It is available for Android, iOS, and Windows Mobile Phone.

This post will show you how to use Paytm to make online payments & transfer money.

2. Mobikwik

Mobikwik is another versatile & secure app that allows you to pay or transfer money using the mobile number. It allows you to make mobile recharge and pay bills in seconds. Use Mobikwik mobile wallet and buy anything online with good discounts. Making bill payments, mobile recharge, shopping and more have become easy with Mobikwik mobile wallet. It is available for Android, iOS and Windows Phone.

3. FreeCharge

FreeCharge e-Wallet allows you to add credit and debit cards which make it easy to make payments. It is the fastest-growing digital payment platform allowing you to pay electricity bills, mobile, and DTH recharge and more. Use FreeCharge mobile wallet and avoid long queues. It makes it easy to make online and digital payments securely using mobile. FreeCharge is available for Android, iOS and Windows Phone.

4. State Bank Buddy

State Bank Buddy by State Bank of India is the first Indian mobile wallet available in 13 Indian languages. Using this sending money, asking reminders to clear dues, instant bill payments and more from your mobile. State Bank Buddy mobile wallet helps you to do so by linking your credit or debit cards to it. It allows you to load the amount into your wallet and make payments to your contacts on the phone book. It is available for Android and iOS.

5. HDFC PayZapp

PayZapp from HDFC Nabk is available to customers of all banks and allows you to make payments with just a single click. Make payments easily by adding credit or debit card details. Your card details are safe with the bank and no need to worry about that. PayZapp mobile wallet does three security checks for every transaction. It is available for Android and iOS.

6. ICICI Pockets

Pockets app is the first mobile wallet app in India that allows you to bring UPI-based payments. ICICI developed this mobile wallet, and it helps you to make payments online. Now you can shop anywhere, pay anyone and bank with ease. It allows you to transfer money, book tickets, do mobile recharge and more. With just a single click, sending and receiving payments to and from Pocket users. It is available for Android and iOS.

7. LIME

LIME is launched by Axis Bank providing your payments, banking, and shopping facilities. It is available for an account and non-account holders. Pay your shopping bills, mobile recharge, buy movie tickets and more using LIME mobile e-wallet. Just add your credit or debit card details, and you can make payments through your mobile. It is available for Android.

8. PhonePe

PhonePe from Flipkart Group Company works over Unified Payment Interface. It allows you to make all your payments securely. You can make bank to bank transfers using Virtual Payment Address. As it is a UPI app, there is no need to add details of the beneficiary account. PhonePe mobile wallet provides you discounts and coupons when you shop online. You can top up your mobile wallet by linking it to your bank account and allows you to transact a maximum of up to 1 lakh rupees. Make sure you install this e-wallet in your mobile and make payments online. It is available for Android.

9. Ola Money

Ola Money allows you to make payments for all your daily needs. Recharge Ola Money wallet using your credit/debit card or net banking. Keep track of your transactions by looking at transaction history. Paying for the Ola and other cabs also made easy using this mobile wallet. Ola Money mobile wallet helps you to transfer money to your friends. It is available for Android and iOS.

10. Airtel Money

Airtel Money wallet got launched by Airtel Payments Bank. Make payments, do mobile recharge and transfer money to your friends of any bank account using this mobile wallet. You can shop online with great discounts and coupons. Banking and remittance services are supported by Airtel Money. With this e-Wallet app, you can make payments with just a single click. It is available for Android, iOS and Windows Mobile Phone.

UPDATED Aug 30, 2018: Airtel Wallet has been discontinued. Instead, you can now use Airtel UPI or BHIM app to send/receive money.

Windows 10 Mobile Phone users may want to check out Microsoft Wallet. It allows users to simply Tap and Pay! There are several other Digital Wallets for your Windows Mobile Phone. You might want to take a look at them too.

Read: What are Virtual Credit Cards and how and where do you get them.

There are several others like Oxigen, Jio, etc, that are available. Currently, MobiKwik, Paytm, FreeCharge are being accepted at Tool Plazas. FreeCharge can be used for paying Police Fine challans. Reliance Jio plans to bring on board 10 million merchant establishments for its Jio Money Merchants plan. MobiKwik is accepted by IRCTC. Paytm supports flight tickets. If you and the recipient have Paytm or MobiKwik apps installed, you can transfer money by simply entering the mobile number. You can also send money directly to bank accounts online. So make sure that you check out all their features and download the ones you want directly from their official app store only.

These are some of the best mobile wallets in India to make online payments. I hope you find this post useful and start using them right now. Want options? Take a look at these PayPal alternatives.

Using mobile wallets in your mobile helps you to go cashless and make payments from your mobile. If you are already using one, do let us know in the comments which one you prefer and why.

Read next: Best Bitcoin Wallets.

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