Namaskar Dosto,

Aaj ka topic kuch alag hai. Kyu ki aaj hum baat karenge difference between RuPay Master and VISA Card ke baare mei.

difference between RuPay Master and VISA Card
Image- Google.com

Aksar humei aone ATM/Debit card mei dekha hai usmei ya toh VISA likha huwa hota hai ya MasterCard ya phir RuPay.

Toh aakhir VISA, MasterCard aur RuPay kya hota hai aur yeh kyu humare ATM/Debit/Credit card mei likha huwa hota hai.

Darasal VISA, MasterCard aur RuPay, yeh teeno payment gateway systems hote hai. Yeh online secure money transactions karne mei help karte hai. Aur badale mei kuch charges lete hai.

Difference between RuPay Master and VISA Card

Sabse pehle baat karte hai VISA Card ke baare mei

VISA Card

difference between RuPay Master and VISA Card
Image- Google.com

VISA ek american multinational financial services corporation hai. Iska headquarter, Foster City, California, United States mei hai.

VISA card ko Dee Hock nei 1958 mei found kiya tha, ek online money transaction ke concept ke sath.

Dee Hock ka concept tha ki VISA payment ki help se people world wide mei kahi v electronic fund transfer securely kar sake.

difference between rupay master and visa card
Image- Google

VISA koi debit card ya credit card nei hai. Yeh ek online payment gateway system hai jo humare online funds transactions ke samay humare account details ko secure raktha hai.

1958 mei jab issse found kiya gaya tha tab iska naam “BankAmericard” tha. Phir 1976 mei iska naam VISA rakha gaya.

difference between rupay master and visa card
Image- sbinetbanking.org

VISA nei saare banks aur online merchants se tie up kar liya hai. Taaki jab koi online transcation kare toh unka oayment gateway choose kare.Aur woh merchant ko payment karne ke liye client ke account access kar money ko debit kare aur phir merchant ko pay kar de, clent ke taraf se.

Iss poore process ke liye VISA high commission charge karta hai kyu ki VISA ek international payment gateway system hai.

Aap nei kv online shopping karte waqt jab online payment karne ke option mei jaaate ho tab aapne dekha hoga. Waha VISA Card ka logo, master card aur RuPay ka logo laga rehta hai. Yaani woh yeh teeno card ko accept karte hai.

MasterCard

difference between rupay master and visa card
Image- Livemint.com

Master card v ek american multinational financial services corporation hai. Yeh v basically online payment gateway system hai.

Iska head quarter New York ke Purchase mei jiska naam Growth rakha gaya hai.

Issei 1966 mei found kiya gaya jab BankAmericard (VISA) bot famous hone laga tha aur accha profit mei tha.

Tab 1966 mei iska naam “Interbank” rakha gaya aur phir:-

  • 1966-1969 tak Interbank tha
  • 1969- 1979 tak iska naam Master Charge tha
  • 1979-2016 tak iska naam MasterCard rakha gaya
  • 2016 se ab tak iska naam mastercard hai

Mastercard ke payment gateway se transaction karne mei v bot high commission hai kyu ki yeh v international payment gateway system hai.

RuPay

difference between rupay master and visa card
Image- Rupay.co.in

India ke Reserve Bank of India , VISA aur MasterCard ke high charges se pareshan thi, Kyu ki Reserve Bank of India India ka paisa India mei hi rakhna chahti thi taaki India financially strong ban sake.

Toh RBI nei 2009 mei India ke National Payments Corporation of India (NPCI) se kaha ki woh kuch alternative nikaale VISA aur MasterCard ka.

NPCI nei India ka khud ka payment gateway system banane ka faisla kiya. Jiska suru mei naam IndiaCard rakha gaya but baad mei isse change kar RuPay kar diya gaya.

India nahi chahti thi ki payment gateway system kisi khaas country ko indicate kare.

difference between rupay master and visa card
Image- Google.com

RuPay naam kasie rakha gaya

“RuPay” ka “Ru” Indian currency Rupees se Ru liya gaya aur Payment se Pay. Hogaya “RuPay” India’s own payment gateway system. Iske color humare tirange ke color pe rakha gaya hai.

RuPay ka charges bot kam hai issi wajah se India ke saare banks RuPay ko issue kar rhe hai. Kyu ki payment gateway mei bank ko register karne mei bot heavy charges lagte hai. But Rupay ke payment gateway mei register karne ke liye koi charges nahi lagte hai.

Iss card ka kuch limitation v hai, jaise k yeh sirf domestic transaction mei hi kaam karega. Yeh av international nahi huwa hai.

Av phil haal SBI nei singapore mei RuPay card issue kiye hai. Aur jald hi bhutan mei v issue kiya jaayega.

RuPay ko world wide access kaarne mei av thora time hai.