PhonePe aur Pine Labs India mein **60 lakh** payment devices lagane ki taiyari mein hain. Ye expansion NPCI ke us naye rule ke baad aaya hai jisme **₹2,000** se upar ke UPI transactions par **0.4%** ka MDR charge lagega.
Payment Industry mein bada badlav!
Digital payments ki duniya mein ab game badalne wala hai. PhonePe aur Pine Labs ne agle ek saal mein desh bhar mein 60 lakh payment devices lagane ka target rakha hai. Ye kadam NPCI ke us decision ke baad aaya hai, jahan 15 October se ₹2,000 se zyada ke UPI transactions par 0.4% ka Merchant Discount Rate (MDR) lagna shuru ho gaya hai.
Business Model mein shift
Ab tak UPI transactions par koi fee nahi thi, jisse companies ke liye profit kamana mushkil tha. Is naye MDR charge se ab companies ke paas revenue aayega, jiska use wo rural areas mein network badhane aur hardware distribution ke liye karenge.
Kya hai plans?
- PhonePe: Company ne 20,000 naye employees hire karne ka plan banaya hai jo Tier-III aur Tier-IV cities mein merchants ko onboard karenge.
- Pine Labs: Ye log 10 lakh soundboxes distribute karenge taaki chote dukaandaaron ko payment confirmation mein aasani ho.
- Fund Allocation: NPCI ke naye mandate ke mutabik, collect hue MDR revenue ka 5% ek alag fund mein jayega, jo chote merchants ke network ko develop karne mein kaam aayega.
Investors ke liye alert!
Halanki ye growth ke liye accha hai, par asli challenge ye dekhna hoga ki kya merchants is 0.4% fee se pareshaan hote hain? Agar dukaandaar bade digital payments lene se mana karte hain ya transaction habits badalte hain, toh volume par asar pad sakta hai. Isliye, aane wale samay mein merchant sentiment par nazar rakhna zaroori hai.