Long story short; NAHI. Online paisa bhejna fraud nahi hai.
Magar hume aisa kyon lagta hai?
Online Payments kya hoti hain?
Jab bhi aap money bank me na jaakar kisi device aur Wi-fi connection ke zariye bhejte hain, usey online payments kehte hain. Agar aapne netbanking, ya Paytm aur Google Pay jaise UPI madhyam se paise transfer kare hain, to aapne online payments kari hain. In payments ko cashless payments ya digital money transfer bhi keh sakte hain.
Online Payments ki kyo zaroorat padti hai?
Maan lijiye aap train me hain aur aapke kisi dost ko usi samay 2000 rupae ki zaroorat padti hai. Unke paas cash nahi hai aur na hi cash nikalwane ka koi zariya. Aap hi unki aakhri umeed hain. Magar aap to train me hain aur un tak pahunchne me aapko samay lagega. To kaise karenge aap money transfer? Online madhyam ke through.
Aaj ki duniya me, jahaan har cheez hi digital ho rahi hai, online payments apni jagah bana rahi hain. Online payments se aap chutkiyon me amount transfer kar sakte hain. Aap banks ki lines se bachte hain. Aapka time waste nahi hota. Yaha tak ki aap doosre shaharo me hi nahi, doosre deshon me bhi money transfer kar sakte hain; online ki vajah se. Jahaan aapka paisa kuch dino me apne gantavya sthaan par pahuncha tha, aaj vahi paisa kuch second ya zyada se zyada kuch ghanto me pahunch sakta hai.
Kya Online Payments safe hain?
Online payments duniya me ho rahi baki sabhi cheezo ki tarah hai. Iske fayde toh hai, magar jaise baki har cheez me hume koi na koi risk hota hai, online payments me bhi risks involved hote hain. Sabse bada risk hai fraud (dhokha) ka – koi aapki details chori kar sakta hai, paise transfer kar sakta hai, aapka PIN ya OTP access karke aapka bank account khaali kar sakta hai.
Risks toh dekhiye har industry me hain. Aap ghar se baahar kadam badhaate hain to vaha bhi risk hota hi hai.
Point is, risks hone ke baawajood hum un risks ko kaise manage kar sakte hain, online payments ko hum kaise safe bana sakte hain.
Kaise banaye safe Online Payments ko?
- Apne passwords kisi ke bhi sath share na karein aur yaad rakhe ki aapka bank aap se aise details kabhi nahi maangega
- Trusted (bharose vaali) website par jaakar hi apna account access karein
- Agar aapke account me koi transaction hua hai to uska message aapko zaroor aega. Tab bhi jab aap ne khud ne vo transaction nahi kara ho. Uska track rakhein (nazar rakhein)
- Apni card details online shopping jaisi websites par save na karein
- Jisko aap ne paisa transfer karna hai, unki details confirm karke hi transfer karein
- Apne bank passwords lagataar change karte rahe
Aise aur bhi steps hain jo aap follow kar sakte hain. Un steps ko padhne ke liye is link par click kijiye.
Risks ki vajah se hume lagta zaroor hai ki online payments karna ek fraud hai. Aisa bilkul nahi hai. Unless aap actual me fraud kar rahein hain. Online payments hum sabke liye ek accha option hai kyonki ye hamari life ko easy banata hai. Zaroori hai hum isey use kare aur safely aage badhe.
