UPI Payments Mistakes:
🌐 UPI की गलतियां और उनके नुकसान
गलती 1: ज्यादा पैसे कट सकते हैं
नई नियम – 5 लाख रुपए तक की UPI पेमेंट में अस्पताल और शैक्षणिक संस्थानों में सुविधा
- आप एक दिन में 5 लाख रुपए तक की UPI पेमेंट कर सकते हैं।
- सिंगापुर से भी डायरेक्ट पेमेंट स्वीकार किया जा सकता है।
सतर्कता की जरूरत – Credit Card-UPI Apps में ध्यानपूर्वक करें क्रेडिट कार्ड ऐड
- यूजर्स को क्रेडिट कार्ड जोड़ने का ऑप्शन दिया जाता है, लेकिन सतर्क रहना है।
- क्रेडिट कार्ड जोड़ने से क्रेडिट बैलेंस में गड़बड़ी हो सकती है।
गलती 2: Convenience Fees का अनदेखा करना
बड़ी जानकारी – Paytm और PhonePe में Convenience Fees का ध्यान रखें
- ऐप्स द्वारा Convenience Fees लगाई जाती है, जिसे हम अक्सर नजरअंदाज कर देते हैं।
- कभी-कभी यह राशि कम होती है, लेकिन बड़े पेमेंट्स में इससे भी नुकसान हो सकता है।
गलती 3: Bank Charges पर ध्यान न देना
तय राशि के बाद भी ज्यादा फीस – UPI Apps से पेमेंट करते समय सावधानी
- अगर तय राशि से अधिक पेमेंट करते हैं, तो कुछ पैसे फीस के रूप में कटे जा सकते हैं।
- इस फीस के बारे में सतर्क रहना चाहिए, खासकर जब आप पेमेंट कार्ड का उपयोग करते हैं।
🤔 FAQ (पूछे जाने वाले प्रश्न)
Q1: क्या UPI पेमेंट के दौरान क्रेडिट कार्ड जोड़ना सुरक्षित है?
- उत्तर: हाँ, लेकिन ध्यानपूर्वक जोड़ें, क्योंकि इससे क्रेडिट बैलेंस को प्रभावित किया जा सकता है।
Q2: Convenience Fees से बचने के लिए क्या करें?
- उत्तर: बड़े पेमेंट्स से पहले ऐप्स की शर्तों को पढ़ें और Convenience Fees को ध्यान से देखें।
Q3: UPI Apps से कितनी तक फीस काटी जा सकती है?
- उत्तर: यह फीस पेमेंट की राशि पर निर्भर करती है, लेकिन 10 हजार से ज्यादा पेमेंट करने पर यह लागू हो सकती है।
Introduction
With the widespread adoption of UPI (Unified Payments Interface) for digital transactions, it becomes crucial to navigate the process seamlessly. This article sheds light on key aspects, ensuring you make the most of UPI payments without falling into common pitfalls.
🌐 UPI Transactions Beyond Borders
- Direct Payments from Singapore 🇸🇬: Surprise! You can now accept direct payments from Singapore through UPI. This opens new possibilities for international transactions and makes UPI a global player.
💳 Credit Card Integration with UPI Apps
- Adding Credit Cards to UPI Apps: UPI Apps now provide the option to link credit cards. While this might seem convenient, exercise caution. Users often link credit cards hastily, leading to potential complications.
🚫 Common Mistakes to Avoid While Using UPI
- Exceeding Daily Limits: A recent rule change allows UPI payments of up to ₹5 lakhs in a day for hospital and educational institution transactions. However, surpassing this limit may result in additional charges.
🛑 Pitfalls of Adding Credit Cards
- Credit Card Balances: Users facing a shortage of funds in their bank accounts tend to link credit cards to UPI Apps. This seemingly simple solution can lead to credit balance discrepancies and cause financial inconvenience.
💸 Unveiling Convenience Fees
- Charges on Paytm and PhonePe: Important information has come to light regarding convenience fees imposed by certain UPI Apps. Users, especially during recharges, may overlook these fees. Although seemingly insignificant, they can accumulate, causing financial strain.
Unmasking Hidden Charges
🏦 Bank Charges on UPI Apps
- Excessive Payments, Extra Fees: UPI Apps may levy fees if payments exceed a predetermined amount. Be aware that this fee is applicable when using payment cards for transactions.
🤔 Why You Should Stay Informed
- Knowledge is Power: Understanding these nuances is vital for a seamless UPI experience. Lack of awareness can lead to unexpected charges, impacting your financial well-being.
🚨 Beware of Oversights
- Being Mindful of Convenience Fees: Even though convenience fees may seem negligible, they can accumulate, especially during frequent transactions. Stay vigilant and factor in these charges when using UPI Apps.
FAQ – Frequently Asked Questions
Q1: Can I really receive payments from Singapore through UPI?
A1: Yes, the recent developments allow direct payments from Singapore through UPI.
Q2: Is there a limit on UPI payments for hospital and educational transactions?
A2: Yes, the new rule permits UPI payments of up to ₹5 lakhs in a day for hospital and educational institution transactions.
Q3: Should I link my credit card to UPI Apps?
A3: Exercise caution. While it is an option, linking credit cards hastily can lead to credit balance discrepancies and financial complications.
Q4: How can I avoid convenience fees on UPI Apps?
A4: Stay informed about the convenience fees imposed by UPI Apps, especially during recharges, and factor them into your transactions.
Conclusion
In the ever-evolving landscape of digital payments, staying informed about the intricacies of UPI is paramount. By avoiding common mistakes and understanding the potential pitfalls, you can ensure a smooth and cost-effective UPI experience. Keep exploring, stay vigilant, and make the most of the convenience UPI brings to the table.