UPI ला (यूनिफाइड पेमेंट्स इंटरफेस), भारतात अनेक जण यूज करीत आहेत. कार्ड पेमेंटचे ऑप्शन म्हणून तसेच डिजिटल पेमेंटसाठी दुसरे ऑप्शन म्हणून लाँच करण्यात आलेल्या UPI चा भारताबाहेर सुद्धा मोठा वापर केला जात आहे. पेमेंट प्रोसेस वेगाने होत असल्याने अनेक जण याचा वापर सर्रासपणे करीत आहेत. तसेच हे यशस्वी होण्याचे दुसरे कारण म्हणजे यूजरला कोणतेही शुल्क द्यावे लागत नाही. परंतु, लवकरच नियमात बदल होवू शकतो. खरं म्हणजे भारतीय रिझर्व्ह बँक (RBI) आता UPI पेमेंट्सवर शुल्क आकारण्याचा विचार करीत आहे. जाणून घ्या आरबीआयचा नवीन नियम. भारतात डिजिटल क्रांती सुरू आहे. अनेक जण आता कोणतेही सामान खरेदी केल्यानंतर पैशासाठी खिशात हात घालण्याऐवजी थेट आपला मोबाइल काढून फोन पे, गुगल पे सारख्या यूपीआयवरून पेमेंट करतात. यात श्रीमंत व्यक्तीपासून गरीब व्यक्तीही आपल्या मोबाइल वरून डिजिटल पेमेंट करीत असतो. परंतु, आता तुम्हाला लवकरच या पेमेंटवर काही रक्कम चुकवावी लागू शकते, जाणून घ्या डिटेल्स.

​UPI ला फंड ट्रान्सफर करण्यासाठी IMPS समान शुल्क द्यावे लागणार

upi-imps-

डिस्कशन पेपर ऑन चार्ज इन पेमेंट सिस्टम टाइटल वरून आरबीआयचा नवीन प्रस्ताव सांगतो की, केंद्रीय बँक यूपीआय पद्धतीचा वापर करून पैशाच्या देवाण घेवाणसाठी शुल्क आकारायचा विचार केला जात आहे. याचा उद्देश यूपीआयची गुंतवणूक आणि संचालनासाठी लागणारा पैसा वसूल करण्याची शक्यता आहे. आरबीआयने नोट केले की UPI चा उपयोग करून फंड ट्रांसफर IMPS (तत्काल पेमेंट सेवा) प्रमाणे UPI ला फंड ट्रांसफरसाठी IMPS सारखे शुल्क द्यावे लागेल.

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आरबीआयने आपल्या प्रस्तावात काय सल्ला दिला

आरबीआयने सल्ला दिला आहे की, यूपीआय पेमेंटवर वेगवेगळे रक्कम ब्रेकेटच्या आधारावर एक टियर चार्ज लावला जावू शकतो. केंद्रीय बँकेच्यानुसार, यूपीआय एक फंड ट्रान्सफर सिस्टम आहे. जे फंडच्या रियल टाइम मूव्हमेंटला सक्षम बनवते. एक मर्चंट पेमेंट सिस्टम रूपाने हे कार्डसाठी टी प्लस एक चक्राव्यतिरिक्त, रिटल टाइम मध्ये फंड सेटलमेंटची सुविधा देते.

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​फ्री सेवेचे महत्व नाहीः आरबीआय

दुसऱ्या शब्दात सांगायचे झाल्यास बँकाला पर्याय सिस्टम स्थापित करण्याची आवश्यकता आहे. त्यामुळे बँकेची सर्व गुंतवणूक आणि संसाधनांचा वापर केला जातो. ज्यात अतिरिक्त रक्कम मिळते. आरबीआय ही रक्क ग्राहकांकडून वसूल करू पाहत आहे. आरबीआयने म्हटले की, पेमेंट सिस्टमसह कोणत्याही आर्थिक गतिविधीत फ्री सेवा देणे हे औचित्याला धरून होत नाही. जोपर्यंत राष्ट्राच्या कल्याणासाठी चांगली व्यवस्था असत नाही.

वाचाः ‘या’ चुका करत असाल तर तुमच्या फोनचा होऊ शकतो स्फोट, पाहा डिटेल्स

डेबिट कार्डवरही शुल्क हवे आरबीआयला

आरबीआय पेपरच्या माध्यमातून जाणून घेण्यासाठी अप्रत्यक्ष संकेत देत आहे की, हा महत्त्वपूर्ण मुद्दा आहे. पेपर पूर्ण पेमेंट सिस्टमची स्थापनेवर खर्च केलेला पैसा वसूल करण्यासाठी डेबिट कार्डच्या देवाण घेवाणीवर सुद्धा एक निश्चित शुल्क घ्यायला हवे, असे आरबीआयचे म्हणणे आहे.

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Gadget News in Marathi: Computer, Mobile, Auto News in Marathi | Maharashtra Times

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