EasyPay

Inkcazelo Ngobuchule neMvelaphi yeNkampani ye-easypay eMzantsi Afrika

I-easypay (Pty) Ltd yinkampani eseMzantsi Afrika eyaziwa ngokubanzi njengenkampani ehamba phambili ekucutheni nasekuqhubeni intlawulo yedijithali, kunye nomboleki-mali omncinci. Yasekwa ngonyaka we-1983 njengenkampani yokuqala eMzantsi Afrika ekuhlawuleni amatyala, i-easypay iye yakhula yaba sisixhobo esibalulekileyo kwizigidi zabantu, ngakumbi abo bangenazo iiakhawunti zasebhankini okanye abaneengeniso eziphantsi.

Ngoku, i-easypay yinxalenye yeLesaka Technologies (ebisaya kuba yiNet1) emva kokuthengwa kweConnect Group ngonyaka we-2024, apho iLesaka ibambe i-90% yobunini. Le nkqubela iqinisekisa ukuba i-easypay iqhubeka nokuba nefuthe elikhulu kwinkqubo yezemali yaseMzantsi Afrika, ibonelela ngeenkonzo ezinjengokuhlawula amatyala, ukuthenga umbane ne-airtime ye-prepaid, kunye neeakhawunti zentengiselwano ezinje nge-EasyPay Everywhere. Injongo yayo ephambili kukuxhasa abaxhamli bezibonelelo zeSASSA, abarhwebi abangaqeshwanga ngokusesikweni, kunye nabasebenzisi abangenamali ephezulu kulo lonke ilizwe.

Abaphathi abaziintloko abanjengoLincoln Mali (CEO weLesaka Technologies), Paul Kent (CEO weMerchant Division), kunye noSimphiwe Phakathi (Executive Head: Sales & Distribution yeEasyPay Everywhere) baqinisekisa ukuba i-easypay ihambelana neenjongo zeqela leLesaka, igxile ekuboneleleni ngeenkonzo ezifikelelekayo kubantu abasesichengeni.

IiMveliso zeeMboleko eziBonelelwayo, Amanqanaba enzala kunye neMiqathango

I-easypay ibonelela ngeentlobo ezahlukeneyo zeemboleko ezilungele iimfuno ezahlukeneyo zabathengi bayo, ngakumbi abo bakwibhokisi yengeniso ephantsi. Kubalulekile ukuqonda ukuba ezi mboleko ziza nemiqathango eyahlukileyo, ngakumbi malunga namanqanaba enzala kunye nemirhumo.

• Iimboleko zoBuntu ze-easypay:
  • Ixesha elifutshane (iinyanga ezi-3): Kususela kwi-R100 ukuya kwi-R1 000. Ezi mboleko azinazala yonyaka (0% APR), nto leyo ethetha ukuba uhlawula kuphela imali oyibolekileyo kunye nemirhumo ethile.
  • Ixesha eliphakathi (iinyanga ezi-6): Kususela kwi-R500 ukuya kwi-R2 000. Ezi nazo azinazala yonyaka (0% APR) kubaxumi beSASSA abasele benemali yezibonelelo egaleleke kwiakhawunti yabo yase-easypay ubuncinane izihlandlo ezithathu.
  • Ixesha elide (iinyanga ezi-9): Ukuya kuthi ga kwi-R4 000. Ezi mboleko ziza nenzala engu-12% ngonyaka (oku kuthetha i-APR elingana ne-12%) kwiimboleko ezingaphezulu kwe-R2 000.
• Iimboleko eziDityaniswe neSASSA:
  • Ezi mboleko zenzelwe ngokukodwa abaxhamli bezibonelelo zeSASSA, kususela kwi-R410 ukuya kwi-R1 050. Ziza nenzala yonyaka ephezulu engu-164% (APR), kwaye zibandakanya umrhumo wenkonzo ongu-31%. Zihlawulwa ngokuzenzekelayo kwiimali zezibonelelo zeSASSA kwiinyanga ezi-6.

Amanqanaba enzala (APR) kunye neMirhumo:

Kubalulekile ukuba abantu abafuna ukuboleka imali bayiqonde kakuhle le micimbi:

• 0% APR: Kwiimboleko zeenyanga ezi-3 kunye neenyanga ezi-6 ezingaphantsi okanye ezilingana ne-R2 000.
• 12% p.a. (≈12% APR): Kwiimboleko zeenyanga ezi-9 ukuya kuthi ga kwi-R4 000.
• 164% APR: Kwiimboleko eziqhagamshelwe kwiSASSA (R410–R1 050), oku kubandakanya umrhumo wenkonzo ongu-31%. Oku kuyakwenza ukuba imali obuyihlawula ibe nkulu kakhulu.

Imirhumo eyongezelelweyo:

• Umrhumo wokuQala (Initiation Fee): R86 kwiMboleko nganye.
• Umrhumo weNkonzo (Service Fee): R69 ngenyanga kwiimboleko zexesha eliphakathi.
• Umrhumo woKhuselo lweTyala (Credit Protection Fee): R6.33 ngenyanga.
• Imirhumo yokuLibaziseka (Late Payment Fees): Le mirhumo ayikacaciswa esidlangalaleni kodwa iphantsi kwemida ebekwe yi-National Credit Regulator (NCR).

I-easypay ayifuni zibambiso zemveli. Endaweni yoko, isebenzisa ubuqhetseba beminwe (biometrics) kunye nembali yentengiselwano yeakhawunti yakho ukuqinisekisa ukukwazi kwakho ukuhlawula nokuthatha umngcipheko.

Inkqubo yeSicelo, UbuChwepheshe kunye noLawulo lwe-easypay

Ukufikeleleka kweenkonzo ze-easypay kuyaqina ngenxa yeenkqubo zayo ezilula zokufaka izicelo kunye nobuchwepheshe obunqamlezileyo. Le nkampani iqinisekisa ukuthobela imithetho yezemali yaseMzantsi Afrika.

Iindlela zokuFaka iSicelo:

• I-USSD: Ungafaka isicelo usebenzisa i-USSD code *120*3737*7# kuselula yakho. Le yindlela elula nefikelelekayo, ngakumbi kwimimandla enokufikeleleka okuncinci kwi-intanethi.
• Iwebhusayithi ne-App: Ungaya kwiwebhusayithi ye-epe-online.co.za okanye ukhuphele i-app ye-easypay kwi-iOS okanye kwi-Android. Ezi ziqonga zinezinto ezininzi ezibandakanya ukufaka isicelo semboleko.
• IiOfisi kunye namaQabane eRhafu: Ungandwendwela amasebe e-EasyPay Everywhere okanye iivenkile zamaqabane ezifana nePick n Pay kunye neShoprite.

Ukuqinisekisa uBuni (KYC) kunye nokuBhalisa:

Ukuze uthobele imithetho yeFICA, kufuneka unikezele ngale nto ilandelayo:

• Isazisi saseMzantsi Afrika (ID).
• Ubungqina bedilesi (obungadlulanga kwiinyanga ezi-3).
• Iingxelo zebhanki zeenyanga ezi-3.
• Abaxhamli beSASSA kufuneka babonelele ngencwadi yokuqinisekisa yeSASSA.
• Ukuqinisekiswa ngeminwe (biometric) kwenziwa kwisebe okanye kwikiosk.

Ukuvavanywa kweTyala kunye nokuHlawula:

I-easypay isebenzisa imodeli esekwe kwidatha ukuvavanya ukukwazi kwakho ukuhlawula, ngokusebenzisa imbali yentengiselwano yeakhawunti yakho ye-EasyPay Everywhere kunye nedatha encinci. Iimboleko ezingaphantsi kwe-R2 000 zisenokuvunywa ngokukhawuleza nge-USSD okanye nge-app.

Iindlela zokuHlawula Imali:

• Intlawulo eKhawulezileyo: Imali igalelwa kwiakhawunti yakho ye-EasyPay Everywhere, onokufikelela kuyo nge-ATM.
• Ukutshintshelwa kwebhanki: Kwiimboleko ezinkulu ezingaphezulu kwe-R2 000.
• Intlawulo yeCash: Kwiindawo ezithile ze-easypay.

Ubuchwepheshe beApp yeselula kunye nokuFikeleleka:

I-app ye-easypay iyafumaneka kwi-iOS naku-Android, kunye neqonga le-USSD newebhu. Iimpawu zayo zibandakanya ukujonga ibhalansi ngexesha lokwenyani, ukudityaniswa nabahlawulisi abangaphezu kwe-600, izilumkiso ze-SMS, ukufaka isicelo semboleko, kunye nembali yentengiselwano. Iireyithingi zayo zilungile (4.2/5 kuGoogle Play, 4.0/5 kwiApp Store), nangona abanye abasebenzisi bekhankanya ukungazinzi kwe-app ngamanye amaxesha.

I-easypay inokufikeleleka kulo lonke ilizwe, ezidolophini nasezilalini, ngeevenkile zayo zamaqabane (Pick n Pay, Shoprite, PEP, izitolo zesipaza) ezingaphezu kwe-10 000. Ngokubanzi, iqhubekeka nokucubungula intengiselwano ye-R2.7 yezigidigidi ngenyanga kubasebenzisi abasebenzayo abazizigidi ezi-2, kuquka abaxhamli beSASSA abamalunga nesigidi esinye. Abathengi bayo abaninzi ngabafazi abaneengeniso eziphantsi, abaninzi kubo baxhomekeke kwizibonelelo.

Isimo soLawulo kunye noKhuseleko lwabaThengi:

I-easypay inelayisenisi yeSouth African Reserve Bank (SARB) njengomqhubi wentlawulo weqela lesithathu, kwaye ibhaliswe kwiNational Credit Regulator (NCR) ngeenkonzo zayo zemboleko. Esi sikhundla siqinisekisa ukuthobela imithetho esebenzayo. Akukho zihlawulo zinkulu zolawulo ezirekhodiweyo. Iphepha lemirhumo licacile, kwaye amanqanaba enzala athobela imida ebekwe yi-NCR. Abathengi banokuya kwi-Ombudsman okanye kwi-SARB ukuba banezikhalazo.

Isikhundla sentengiso, Ukhuphiswano kunye naMava aBaxumi

I-easypay izibekile njengenkampani ephambili kwimarike yaseMzantsi Afrika, ingakumbi ekudibaniseni iintlawulo zamatyala nasekubolekiseni imali encinci. Isikhundla sayo sentengiso siqinile, nangona ijongana nokhuphiswano olukhulu.

Isikhundla sentengiso kunye nabaKhuphisana:

I-easypay yinkokeli ekudibaniseni iintlawulo zamatyala, kwaye iphakathi kwezimbini ezintathu ezinkulu kubabolekisi-mali abancinci abaqhagamshelwe kwiSASSA. Abakhuphisana bayo bafaka iWonga (ngoku engasekho), iRainfin, iMobiCred, kunye namanye amaziko emali amancinci emveli. Into eyahlula i-easypay kukubonelela kwayo ngeemboleko zexesha elifutshane ezingenazala, inkqubo yentlawulo edityanisiweyo, kunye nokhuseleko olusekelwe kwi-biometric.

UkuKhula kunye neZicwangciso zoKwandisa:

Ngenxa yokuthengwa kwe-Adumo (nge-R1.59 yezigidigidi) ngonyaka we-2024, i-easypay iye yandisa iinkonzo zayo kubarhwebi nakwimboleko. Iinkqubo zayo zokwandisa zigxile kwicandelo elingaqeshwanga ngokusesikweni, ngokuphuhliswa kwe-KYC yeselula kunye neekiosks ezivela ngexesha elifutshane. Kukho nezicwangciso zokwandisa iinkonzo zayo kumazwe angabamelwane phantsi kwesicwangciso sobuchule seLesaka.

I-easypay inamaqabane amaninzi abalulekileyo, kubandakanya iibhanki ezifana ne-Investec, iRMB, nePostbank; iinkampani zefowuni ezinjengeMTN neVodacom; kunye neevenkile ezinkulu ezifana nePick n Pay, iShoprite, nePEP, kunye neevenkile zesipaza ezizimeleyo.

Ukuphononongwa kwabaXumi kunye naMava:

Ukuphononongwa kwabasebenzisi ngokubanzi kulungile. KwiCapterra, inereyithingi engu-4.1/5 ngokuphathelele ukuthembeka kunye nokufikeleleka, nangona kukhankanywa ngamanye amaxesha ukuphazamiseka kweseva. Kwiivenkile ze-app, iyancomeka ngokulula kwayo, kodwa abanye baye baxela iingxaki kunye nokucotha ngamaxesha athile.

Izikhalazo eziqhelekileyo zibandakanya:

• Izinga lenzala eliphezulu (164% APR) kwiimboleko eziqhagamshelwe kwiSASSA.
• Ukungazinzi kwe-app ngamaxesha oxinzelelo.
• Ubukhulu bemboleko obunqongopheleyo kwabanye abantu.

Inkonzo yabathengi iyafikeleleka ngenombolo yamahhala (0801 11 18 80), inkxaso ye-USSD, kunye neenkxaso zamasebe kunye neekiosks kwimimandla engakafikeleleki ngokwaneleyo. Amabali empumelelo abonisa ukuba i-easypay inceda kakhulu ekufumaneni imali engxamisekileyo kwizinto ezifana nezinto zesikolo okanye ukulungisa ikhaya.

Ingcebiso eLungileyo kubaBathathi-Mboleko abaNokubakho kwi-easypay

Njengengcali yezemali, ndibonelela ngengcebiso ebalulekileyo kubo bonke abacinga ngokuthatha imboleko kwi-easypay, ngakumbi ngenxa yokwahluka kwemigaqo yayo eMzansti Afrika.

1. Hlola iMfuno Yakho ngokuNzulu: Ngaphambi kokuba ucinge ngemboleko, zibuze ukuba ingaba le mali uyifuna ngokwenene na, okanye ingaba ikho enye indlela engekhathazi kangako. Iimboleko kufuneka zisetyenziswe kuphela kwiimeko ezingxamisekileyo okanye xa kukho imfuneko engaphephekiyo.

2. Qonda Amanqanaba eNzala kunye neMirhumo: Oku kubaluleke kakhulu. Njengoko kubonisiwe, i-easypay ibonelela ngeemboleko ze-0% APR kwiinyanga ezi-3 nezi-6 ezithile, kodwa iimboleko zeSASSA zinentlawulo ephezulu ye-164% APR. Qiniseka ukuba uyayazi imiqathango yemboleko oyifunayo, kuquka imirhumo yokuqala, eyenkonzo, neyokhuseleko lwekhredithi. Le mirhumo ingadibanisa imali eninzi kakhulu ekufuneka uyihlawule.

3. Yenza uHlahlo-lwabiwo-mali oluLungileyo: Ngaphambi kokuthatha nayiphi na imboleko, yenza uhlahlo-lwabiwo-mali olucacileyo lwenyanga. Qinisekisa ukuba unokukwazi ukuhlawula imali ebolekwe kunye nenzala nemirhumo ngaphandle kokubeka uxinzelelo olongezelelweyo kwizinto zakho zemali. Ungaze ubone imali oyihlawulayo njengento enokulibaziseka.

4. Qaphela iiMboleko zeSASSA: Ukuba ungumxhaxamli weSASSA, qaphela kakhulu iimboleko eziqhagamshelwe kwiSASSA. Nangona zingenziwa ngokukhawuleza, inqanaba lenzala le-164% APR liphezulu kakhulu. Qiniseka ukuba uyayiqonda ngokupheleleyo intsingiselo yoku, kuba imali yezibonelelo zakho iya kuthathwa ngokuzenzekelayo, nto leyo enokushiya uswele imali ebalulekileyo kwiimfuno zakho zemihla ngemihla.

5. Sebenzisa i-EasyPay Everywhere Account ngobuChule: Ukuba unayo iakhawunti ye-EasyPay Everywhere, yisebenzise ngobuqili. Imbali yakho yentengiselwano kwezi akhawunti isetyenziswa yi-easypay ukuvavanya ukukwazi kwakho ukuhlawula. Ukuba unentengiselwano elungeleleneyo, inokunceda xa ufaka isicelo.

6. Thelekisa kunye nabaKhuphisana: Nangona i-easypay ibonelela ngeenzuzo ezithile (njengeemboleko ze-0% APR), kuhlala kulungile ukuthelekisa iintlawulo kunye nemiqathango nabanye ababolekisi-mali abaseMzantsi Afrika. Oku kunokukunceda ufumane eyona mboleko ilungele iimeko zakho.

7. Boleka ngokuNyanisekileyo: Okokugqibela, kuhlala kubalulekile ukuboleka imali ngobunyaniso. Musa ukuthatha iimboleko ezininzi ngaxeshanye, kwaye zama ukuhlawula ngexesha ukunqanda imirhumo yokulibaziseka kunye nokugcina irekhodi elihle letyala. Ukungahlawuli kunokukhokelela kwiingxaki zemali ezingapheliyo.

I-easypay idlala indima ebalulekileyo ekufikeleleni kwemali kubemi abaninzi baseMzantsi Afrika. Ngokuqonda iinkonzo zayo kunye nemiqathango yayo, ungenza izigqibo ezinobuchule eziya kukunceda ulawule kakuhle izinto zakho zemali.