Visa, mastercard aur RuPay ke Debit Card Mein Kya Antar Hai? Inmein se Kaunsa Behtar Hai?

Visa Debit Cardmastercard Debit CardRuPay Debit Card

Visa Debit Card Kya Hai?mastercard Debit Card Kya Hai?RuPay Debit Card Kya Hai?


Debit Card ko lekar aise dher saare sawaal hote hain humaare dimagh mein aur  bahut bar hum confuse hote hain in Cards ko lekar. Bahut se log hain jo in Cards ke fark ko nahi jaante hain, aur un logon ko inke faide aur nuksaan ka bhi nahi pata hota hai. Lekin hum in Cards ko lekar sabhi confusion ko door kar denge, jiske baad hum jaan sakenge ki in teeno Cards mein kya antar hai aur kaun sa card kab aur kyun istemaal kiya jaana chahiye.

Debit Card ho ya Credit Card badalte samay ke sath inka istemaal aur bhi badhta jaa raha hai, aur jo log inka istemaal nahi kar rahe hain aaj woh bhi inke baare mein jaanne ki iccha rakhte hain. Aaj ke time mein jo adaan-pradaan hota hai bahut had tak online hota hai. Agar humen kharidari bhi karni hoti hai to woh hum online karte hain, aur kharidari ke liye bhugtaan bhi online kar lete hain. Kharidari hi nahi aaj ke time mein hum online kisi ko paise bhej sakte hain kisi se paise praapt kar sakte hain, bill ka bhugtaan kar sakte hain aur iske alaawa bhi bahut si cheezon ke liye online bhugtaan kar sakte hain. Jitni bhi paison ki len-den hoti ya jahan kahin bhi paison ki len-den karni ho hum online kar sakte hain 'paison ki len-den' ko financial transaction kahte hain. Paison ki online len-den ko ya bhugtaan ko 'Electronic Transaction ya Electronic Payment' kahte hain.
Lekin Electronic Payment ke liye humaare paas plastic money yaani ki Debit Card ya Credit hona chahiye tabhi hum online kisi tarah ka bhugtaan kar sakte hain.


Agar aapke paas Credit Card hoga ya Debit Card hoga to aapne us par neeche ek side mein kisi tarah ka logo dekha hoga, agar aap India mein rahte hain aur aapne India mein rahte hue Debit Card ya Credit Card banwaya hai to aapke Debit Card ya Credit Card ke neeche ki ek side mein Visa, mastercard ya RuPay ka logo milega iske alaawa doosre naam bhi ho sakte hain lekin India mein yahi 3 prachalit hain aur aamtaur par inhi 3 Cards ka istemaal hota hai. Isliye hum keval inhi 3 Cards ke baare mein aapko batayenge.

Visa, mastercard aur RuPay payment networks hain. In teeno mein fark jaanne se pehle hum jaanenge payment networks ke baare mein. To sabse pehle hum baat karte hain payment network ke baare mein.

Payment Network Kya Hota Hai?


Maan lijiye agar aap kisi ko payment kar rahe hain, ya kahin payment kar rhe hain chaahe aap online kisi e-commerce website par kar rahe hain ya kisi anya website par ya kis PoS machine par payment kar rahe hain, to aise mein jisko aap payment kar rahe hain ya jisko aap paise bhej rahe hain ho sakta hai uska bank aapke bank se alag ho aapka bank koi aur ho payment receive karne wale ka bank koi aur ho. To aise mein agar hum payment karna chaahen to yeh bahut mushkil ho jaayega, lekin Payment Network is payment ko aasan bana deta hai. Payment Network ki madad se kisi bhi bank account se kisi bhi bank account mein paise transfer kiye jaa sakte hain. Aise mein agar kisi ko kisi doosre bank account se payment receive karni ho to woh Payment Network ka sahara leta hai. 


To jab hum kisi ko payment karte hain to aisa zaroori nahi hota hai ki payment paane wale ka aur payment karne wale ka bank ek hi ho duniya bhar ka koi sa bhi bank ho sakta hai aur do alag-alag bankon ke account mein transactions bahut mushkil hote hain, lekin Payment Network in do alag-alag bank ke transactions ko handle karta hai aur dono bankon ke beech ek mediator ka kaam karta hai, jisse do alag-alag bankon ke beech payment ka samjhauta hota hai aur tab jaakar kahin payment ho paata hai.
Visa, mastercard aur RuPay teeno hi ek tarah ke payment Network hain to phir in teeno mein antar kya hai? 

Visa, mastercard aur RuPay Mein Kya Antar Hai?


Visa Debit Card ka ek pramukh brand hai, duniya bhar ke bahut saare bank aur bahut si vittiya sansthayen apne grahakon ko Visa ka Debit Card jaari karti hain. Visa Debit Card duniya bhar mein istemaal kiya jaata hai. Visa ek American company hai, aur Visa ke Card ka istemaal 200 deshon me hota hai. Visa ke Card ka network bahut bada hai, yeh ek aisi company hai jiske card ko duniya bhar mein istemaal kiya jaa sakta hai, phir chaahe aap Visa ke card ko online kisi website par payment karne ke liye istemaal karen ya duniya bhar mein kahin bhi kisi ATM se paise nikaalne ke liye istemaal karen ya PoS machine se payment karne ke liye istemaal karen, yeh duniya bhar mein kaam karta hai.

mastercard bhi ek american company hai, aur yeh Visa ki competitor (pratiyogi) maani jaati hai. mastercard ki asthapna aaj se 52 saal pehle hui thi aur tab yeh Interbank Card Association ke naam se jaani jaati thi baad mein 1979 mein iska naam MasterCard rakh diya gya. Duniya bhar mein bahut saare bank hain jo apne customers ko mastercard jaari karte hain, mastercard ko Visa ka competitor isliye maana jaata hai kyunki jis tarah Visa puri duniya mein prachalit hai usi tarah mastercard bhi duniya bhar mein istemaal kiya jaata hai.

RuPay Card ko National Payments Corporation of India (NPCI) ne 2012 mein launch kiya tha. RuPay Card India ka domestic (gharelu) Card hai. Is card ko khud India ke government organisation dwara banaya gya hai, yeh card keval India mein payment karne ke liye banaya gya tha. Is card ko aap keval India mein payment karne ke liye istemaal kar sakte hain. Baahar deshon ki website par RuPay Card se payment nahi kiya jaa sakta hai, na hi India ke baahar kisi desh mein RuPay Card ko ATM se paise nikaalne ke liye istemaal kiya jaa sakta hai aur na hi India ke baahar kisi desh mein RuPay Card ko PoS se payment ke liye istemaal kiya jaa sakta hai. RuPay ka fullform hi Rupees Payment hota hai.
Halaanki RuPay ne apne network aur acceptance ko badhaane ke liye baahar ki kai payment networks se samjhauta kiya hai, aur in networks ke sahyog se RuPay Card ko India ke alaawa doosre deshon mein bhi istemaal kiya jaa sakta hai.
RuPay ne in companies se samjhaute kiye hain:
  • Discover
  • Diners Club
  • JCB
  • NETS (Singapore)
  • UnionPay
  • BCcard
  • Elo
  • DinaCard
Isse RuPay Card ka network bhi bada ho gya aur jo RuPay ke Cardholders hain unko bhi bahut faida pahuchega. RuPay Card ko to aap India bhar mein kahin istemaal kar hi sakte hain sath-sath aap jahan-jahan Discover, Diners Club, JCB, NETS (Singapore), UnionPay, BCcard, Elo, DinaCard yeh sabhi card accept kiye jaate hain wahan RuPay Card ko bhi istemaal kiya jaa sakta hai. Halaanki aap sabhi RuPay ke Debit Cards ko Discover, Diners Club, JCB, NETS (Singapore), UnionPay, BCcard, Elo, DinaCard ki jagah par istemaal nahi kar sakte hain, balki uske liye RuPay International Debit Card issue karta hai.

Visa, mastercard, RuPay Mein Kaun Behtar?


Jaisa ki aap jaan gaye hain ki Visa aur mastercard ko duniya bhar mein kahin bhi istemaal kiya jaa sakta hai. Visa aur mastercard ko duniya bhar ke deshon me payment karne ke liye accept kiya jaata hai aur iska upyog internationally aur globally hota hai. Jabki RuPay Card keval India mein hi accept kiya jaata hai aur iska istemaal sirf India mein kiya jaa sakta hai, iska istemaal domestic level par kiya jaata hai yeh card internationally ya globally nahi istemaal kiya jaa sakta hai, kyunki ke India ke baahar doosre deshon mein accept nahi kiya jaata hai.
Lekin doosri taraf RuPay Card ke sahyogi anya payment networks RuPay Card ke acceptance ko aur badha dete hain. Discover, Diners Club, JCB, NETS (Singapore), UnionPay, BCcard, Elo, DinaCard jaise bade-bade payment networks ke sahyog kaaran RuPay Card ko bhi India ke alaawa doosre deshon mein istemaal kiya jaa sakta hai. Lekin Discover, Diners Club, JCB, NETS (Singapore), UnionPay, BCcard, Elo, DinaCard khud duniya ke kuch deshon mein istemaal kiye jaate hain, inka istemaal Visa, aur mastercard ki tarah internationally nahi hai. Filhal mukhya dhaara mein Visa aur mastercard hi aate hain, aur duniya mein zyadatar yahi dono card chalte hain.

Lekin aapko bata den ki Visa ho mastercard ho ya RuPay in teeno ne bankon se tie-up kar rakha hai. Jab koi cardholder payment karne ke liye card ka istemaal karta hai to us card ki company ko bank ke server ki access mil jaati hai jisse woh pata kar paate hain ki cardholder ke account mein kitna balance hai us hisaab se woh payment ko aage badhaate hain. 
Ab agar aap Visa ya mastercard se payment karte hain to payment ke liye aapka data process hone ke liye doosri company aur doosre desh mein jaata hai, jabki agar aap RuPay se payment karte hain to aapka data process hone ke liye kisi doosri desh ki company ke paas nahi jaata hai. 

RuPay Card ka yeh faida ho sakta hai ki agar aap RuPay Card istemaal karenge to RuPay Card se transactions karne par bahut kam processing fees ya transaction fees lagegi, jabki agar aap Visa ya mastercard se transaction karte hain to aapko zyada processing fees ya transaction fees deni padegi.
RuPay Card ka doosra faida yeh hai ki Basic RuPay Debit Card aapko bank free mein issue kar sakta hai. Jabki Visa, aur mastercard issue karaane ke liye aapko charge dena padega.
RuPay Card ka teesra faida yeh hai ki RuPay Debit Card ki annual fees Visa aur mastercard se kam hoti hai.

To agar aapko India mein rahkar sirf India ke andar hi transactions karne hain to aapke liye RuPay Debit Card behtar rahega. Jabki agar aapko India ke baahar deshon mein transactions karne hain ya agar aap international transactions karna chahte hain to aapke liye Visa ya mastercard behtar hoga.