Lacagta caddaanka^(Cash) ah ayaa ahaan jirtay boqor, laakiin badideenna waxaan haysanaa boorsooyin aan warqad iyo qadaadiic ka maqnayn maalmahan. Taa beddelkeeda, macaamiil aad iyo aad u tiro badan ayaa si dhijitaal ah wax u bixinaya, iyaga oo ka saaraya xataa xariijimaha birlabeedka iyo kaadhadhka chip-ka ee geeddi-socodka. Kani waa xiligii adeega lacag bixinta dhijitaalka ah,wakhtiguna waa ku haboon yahay in laqabsado midka ku haboon baahiyahaaga.

Waa maxay Adeegga Lacag-bixinta Dijital ah?

^{(Digital Payment)} Adeegyada ^(Services)Lacag-bixinta Dijital ah ayaa si cadaalad ah isu sharaxa. Nuxur ahaan, adeeg kasta oo kuu ogolaanaya inaad si dhijitaal ah ugu bixiso alaabada iyo adeegyada ganacsiyada iyo shakhsiyaadka aan lahayn lacag caddaan ah, jeegag, kaadhadhka deynta, ama kaararka deynta ayaa ku jira qaybtan.

Wali waxa lagu xidhidhi karaa akoonkaaga bangiga ama kaarka deynta, laakiin hababkan lacag bixinta marna lama soo bandhigin cidkasta oo aad wax bixinayso. Qaar ka mid ah adeegyada lacag-bixinta dhijitaalka ah ayaa kuu oggolaanaya inaad si shaqsi ahaan ah wax uga bixiso adigoo isticmaalaya casriga ama smartwatch.

Maxaa la gudboon Adeegga Lacag-bixinta Dijital ah^{(Digital Payment Service Do)} ?

Fikrad ahaan, adeegga lacag-bixinta dhijitaalka ah ee aad dooratay waa inuu kuu oggolaadaa inaad wax ka bixiso internetka iyo qof ahaan tafaariiqda. Waxa kale oo laga yaabaa inaad rabto hab aad si sahal ah lacag ugu siiso asxaabta iyo qoyska, adoon sugin xawaaladaha bangiga ama la macaamilka lacag caddaan ah ATM-yada^(ATMs) . Habka lacag bixinta wadajirka ah (sida kala qaybinta biilka makhaayadda) waxay sidoo kale noqon kartaa sifo muhiim ah.

Marka laga reebo ku habboonaanta, adeegga lacag-bixinta dhijitaalka ah waa inuu ahaadaa mid sugan! Qaar badan oo ka mid ah adeegyadan ayaa soo jiidanaya lacag bixinta onlaynka sababtoo ah cidna uma soo bandhigaan bangigaaga ama faahfaahinta kaadhka deynta. Waxay sidoo kale u muuqdaan inay leeyihiin siyaasado ilaalin ah oo dib u soo celin doona lacagtaada haddii aad tahay dhibbanaha khiyaanada. Iibiyayaasha isticmaala goobahan lacag bixinta waxaa lagu dhiirigeliyaa inay sameeyaan ganacsi daacad ah, ama waxay halis ugu jiraan in laga saaro.

Shayga saddexaad ee muhiimka ah waa in adeegyadani bixiyaan waa aqbalaad ballaaran. Haddii aadan si kalsooni leh uga tagi karin lacagtaada iyo kaadhadhkaaga guriga adigoo og inaad ku bixin karto adeeggaaga, ma caawinayso! Maaddaama terminal-ku-bixinta-iyo-bixinta ay hadda aad u badan yihiin, adeegyada bixiya NFC (isgaarsiinta goobta u dhow) guud ahaan waxay leeyihiin shuruudahan tola

Sida Lacag-bixinta Aaladda Moobilka u Shaqeeyaan

Waxaa jira dhowr siyaabood oo loo isticmaalo adeegga lacag-bixinta dhijitaalka ah. Maanta, inta badan taleefannada casriga ah iyo saacadaha smartwatches waxay leeyihiin awood NFC , tignoolajiyada la mid ah ee loo isticmaalo kaararka-iyo-bixinta. Adeegga lacag-bixinta dhijitaalka ah ee la diyaariyay, waxaad u baahan tahay inaad ku dhufatid qalabkaaga meesha lacag bixinta, badiyaa ka dib markaad geliso pin ama samaynta xaqiijinta biometric .

Markaad qof la macaamilayso app-to-app, waxaad isticmaali doontaa isku xirka intarneetka si aad lacag ugu xawisho, si aadan isku meel joogtid. Adeegyada qaarkood waxay sidoo kale u isticmaali karaan koodka QR^{(QR codes)} lacag bixinta. Tusaale ahaan, waxaa jiri doona koodka QR oo soo muuqan doona dukaanka; waxaad isticmaali doontaa abka lacag bixinta si aad u sawirto koodka QR, aad geliso qadar, oo aad u dhamaystirto lacag bixinta.

Adeegyada Lacag-bixinta Dijital ah ee ugu Fiican

Adeegyada lacag-bixinta dhijitaalka ah ee sida ugu fiican kuugu shaqeeya waxay inta badan ku xirnaan doontaa meesha aad dunida kaga nooshahay. Liiska adeegyada lacag-bixinta ee la doortay ee hoose waxa laga doortaa dhinaca Maraykanka, akhristayaasha Maraykankuna waxay ogaan doonaan inay yihiin kuwo si weyn loo aqbalay oo ku habboon.

Apple Pay

Apple Pay waa adeeg lacag-bixineed dhijitaal ah oo lagu dhex daray inta badan aaladaha Apple. Waxaad isticmaali kartaa iPhone ama Apple Watch si aad u taabato oo aad uga bixiso dukaamada, waxaadna wax ka bixin kartaa onlaynka goobaha taageera. Tusaale ahaan, Airbnb waxay taageertaa Apple Pay , oo waxaad isticmaali kartaa FaceID ama TouchID iPhone ama Mac si aad u xaqiijiso iibsashadaada. Apple Pay waxaa la sameeyay xitaa ka sii xoog badan iyadoo ay ugu mahadcelineyso kaarka deynta guriga ee Apple, kaas oo si buuxda ugu dhex jira Apple Pay .

Google Pay

Lacag bixinta Google^(Google) waa xal weyn oo loogu talagalay isticmaalayaasha Android ee raadinaya tartame Apple Pay . Waxay bixisaa sifooyin la mid ah waxayna kuu ogolaanaysaa inaad iska bixiso alaabta dukaanka ku jirta ee teerminalka tabo-iyo-bixinta, mareegaha, iyo gudaha dukaanka Google Play .

Samsung Pay

Samsung Pay is Samsung ’s in-guriga lacag-bixinta dhijitaalka ah oo la shaqeeya taleefannada Galaxy illaa iyo inta ugu fog ee ^(Galaxy)Galaxy Note 5 laga bilaabo 2015. Waxa kale oo ay la shaqeysaa xulashada smartwatches Samsung , laakiin ma aha liis dhamaystiran sida moodooyinka telefoonka.

Qaar ka mid ah taleefannada Galaxy (sida Note 10+ ) waxay wataan simulator magnetic swipe simulator, markaa waxay ku shaqayn doonaan meelaha kaadhka ah ee aan lahayn tabo iyo bixinta. Nasiib darrose, astaantaas waxaa lagu saaray moodooyin taleefan oo cusub sida Galaxy S21 .

Samsung Pay waa adeeg aad u fiican haddii aad horeba u isticmaalaysay qalab ku habboon, laakiin ma heli doontid shabakado bixiya. Sidoo kale, haddii aad rabto inaad lacag u dirto adeegsade kale oo Samsung Pay ah oo aan ganacsi ahayn, labadiinuba waxaad u baahan tahay inaad codsataan oo aad haysataan kaadhka deynta Samsung , kaas oo si aad ah u xaddidaya faa'iidada uu leeyahay muuqaalku.^(Samsung)

PayPal

PayPal waxay u badan tahay inay tahay adeegga lacag-bixinta dhijitaalka ah ee intarneedka ugu caansan. Waa shirkadda samaysay fikradda ah in la yeesho dhex dhexaadiye u dhexeeya kaarka deynta iyo dukaamada onlineka ee caanka ah markii hore.

Iyadoo PayPal ay noqotay mid ka mid ah meelaha ugu fiican ee wax lagu bixiyo ama lagu bixiyo, waxaa laga yaabaa inaadan ogeyn inaad sidoo kale ku bixin karto waxyaabaha adoo isticmaalaya PayPal dukaanka dhexdiisa. In kasta oo tan lagu gaadhay adeegsiga abka PayPal iyo koodka QR ee uu dhigay mulkiilaha ganacsigu. Uma dhowa mid ku habboon ama mid caalami ah sida tabo-iyo-bixinta, laakiin waa wax dheeraad ah oo aad u fiican haddii aad horeba u tahay isticmaale PayPal oo aad taqaano meelo yar oo xaafaddaada ah oo bixiya.

PayPal waxa ay fududaysaa in lacag loogu diro qoyska iyo asxaabta, kuwaas oo si toos ah ugu isticmaali kara khadka ama kala bixi kara akoon bangi oo xidhiidhsan.

Cash App

Cash App -ka waa adeeg maaliyadeed oo ka dhigaya ku-shaqeynta lacagaha dhijitaalka ah oo aad uga sahlan lacagta caddaanka ah ee dhabta ah. Marka hore^(First) iyo ugu horreynba, waxay fududaynaysaa oo degdegaysaa in lacagta u dhaxaysa asxaabta iyo qoyska, ilaa inta ay dhammaantood haystaan ​​App-ka Lacagta^{(Cash App)} ah . Waxaad heli kartaa kaadhka lacag-bixineedka fican ee ku xidhan hadhaaga akoonkaaga abka oo aad lacag kala bixi karto akoonkaaga bangiga.

In kasta oo Cash App -ka aanu ku bixinayn hab lagu taabto-iyo-bixinta dukaanka, kaarkooda debit-ka ee dalwaddu waxa uu la shaqeeyaa Apple Pay , si aad lacag dadka kale kuugu soo diraan App^{(Cash App)} - ka Casharka ee habkan.

Venmo

Venmo waa adeeg lacag-bixineed dhijitaal ah oo ay iska leedahay PayPal , oo diiradda saaraysa isu-socodka lacagta shakhsiyaadka dhexdooda. Waxaad ka dalban kartaa kaarka jirka si loogu isticmaalo dukaanka dhexdiisa ama waxaad ku bixin kartaa adigoo isticmaalaya koodka QR ee dukaamada taageera. Isticmaalayaashu waxay lacag uga wareejin karaan Venmo akoon bangi haddii ay u baahdaan.

Lacagaha Dijital ah ayaa ah Mustaqbalka

Lacag caddaan ah^(Cash) ayaa weli jiri doonta in muddo ah, laakiin adeegyada lacag-bixinta dhijitaalka ah ayaa hoos u dhigaya isticmaalka lacagta jirka, taas oo ay ugu wacan tahay xawligooda iyo ku habboonaantooda. Marka lagu daro kororka isticmaalka lacagaha loo yaqaan 'cryptocurrencies', waxaa laga yaabaa inay timaado maalin marka meesha kaliya ee aad ku arki doonto qadaadiicda iyo waraaqaha bangiga ay ku taal madxafka!

What Are the Best Digital Payment Services to Start Using?

Cash usеd to be king, but most of us have wаllets devoid of paper and coins theѕe days. Inѕtead, more and more customers are pаying dіgitally, ditching even magnetic stripe and chip сards in the prоcess. This is the digital payment service erа, and the time is right to embrace the one that fits уour needs.

What Is a Digital Payment Service?

Digital Payment Services are fairly self-explanatory. In essence, any service that allows you to pay digitally for goods and services to businesses and individuals without cash, cheques, debit cards, or credit cards falls into this category.

They can still be linked to your bank account or credit card, but these payment methods are never exposed to whomever you’re paying. Some digital payment services allow you to pay for things in-person using a smartphone or a smartwatch.

What Should a Digital Payment Service Do?

Ideally, the digital payment service of your choice should let you pay for things online and in-person at a retailer. You may also want a way to give money to friends and family easily, without having to wait for bank transfers or deal with cash from ATMs. A way to make joint payments (such as splitting a restaurant bill) can also be an important feature.

Apart from being convenient, a digital payment service has to be secure! Many of these services are attractive for online payments because they don’t expose your bank or credit card details to anyone. They also tend to have protection policies in place that will pay your money back if you’re the victim of fraud. Vendors who use these payment platforms are incentivized to do honest business, or they run the risk of being kicked out.

The third important thing these services should offer is wide acceptance. If you can’t confidently leave your cash and cards at home in the knowledge that you can pay with your service, it’s not helping! Since tap-and-pay terminals are now so common, services that offer NFC (near-field communication) payment generally have this requirement sewn-up

How Mobile Device Payments Work

There are several ways to use a digital payment service. Today, most smartphones and smartwatches have NFC capabilities, the same technology used by tap-and-pay cards. With a digital payment service set up, you need to tap your device on a payment terminal, usually after entering a pin or performing a biometric verification.

When doing app-to-app transactions with someone, you’ll use an internet connection to transfer money, so you don’t have to be in the same location. Some services can also use QR codes for payment. For example, there will be a QR code on display in the store; you’ll use the payment app to scan the QR code, enter an amount, and complete the payment.

The Best Digital Payment Services

Which digital payment services work the best for you will largely depend on where in the world you live. The list of selected payment services below is chosen from a US perspective, and US readers will find they are widely accepted and convenient.

Apple Pay

Apple Pay is a digital payment service integrated into most Apple devices. You can use an iPhone or Apple Watch to tap-and-pay in stores, and you can pay for things online on sites that support it. For example, Airbnb supports Apple Pay, and you can use FaceID or TouchID on an iPhone or Mac to verify your purchase. Apple Pay is made even more powerful thanks to Apple’s own in-house credit card, which is fully integrated with Apple Pay.

Google Pay

Google pay is a great solution for Android users looking for an Apple Pay competitor.  It offers a very similar set of features and lets you pay for in-store items at a tap-and-pay terminal, on websites, and within the Google Play store.

Samsung Pay

Samsung Pay is Samsung’s in-house digital payment solution that works with Galaxy phones as far back as the Galaxy Note 5 from 2015. It also works with a selection of Samsung smartwatches, but it’s not as comprehensive a list as the phone models.

Some Galaxy phones (such as the Note 10+) feature a magnetic swipe simulator, so they’ll work with card terminals that don’t have tap-and-pay. Unfortunately, that feature has been removed with newer phone models such as the Galaxy S21.

Samsung Pay is an excellent service if you’re already using a compatible device, but you won’t find websites that offer it. Also, if you want to send money to another Samsung Pay user who isn’t a business, both of you need to apply for and have a Samsung debit card, which severely limits how useful the feature is.

PayPal

PayPal is probably the most well-known online digital payment service. It’s the company that made the idea of having an intermediary between your credit card and online stores popular in the first place.

While PayPal has become one of the best places to pay for things or to get paid, you may not know that you can also pay for things using PayPal in-store. Although this is achieved using the PayPal app and a QR code put up by the business owner. It’s not nearly as convenient or universal as tap-and-pay, but it’s an excellent addition if you’re already a PayPal user and know a few places in your neighborhood that offer it.

PayPal does make it easy to send money to family and friends, who can then spend it directly online or withdraw it to a linked bank account.

Cash App

Cash App is a financial service that makes working with digital payments much easier than actual cash. First and foremost, it makes it easy and fast to move money between friends and family, as long as they all have the Cash App. You can get a virtual debit card linked to your app account balance and withdraw money to your bank account.

While Cash App does not offer a way to tap-and-pay in a store, their virtual debit card does work with Apple Pay, so you can use money other people send you on Cash App at a terminal in this way.

Venmo

Venmo is a digital payment service owned by PayPal, focusing on moving money between individuals. You can order a physical card for use in-store or pay using a QR code at stores that support it. Users can transfer money from Venmo to a bank account if they need to.

Digital Payments are the Future

Cash will still be around for a while yet, but digital payment services are putting a dent in the use of physical money, thanks to their speed and convenience. Combined with the increased use of cryptocurrencies, there may come a day when the only place you’ll see coins and banknotes is in a museum!

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