Serupa tapi Tak Sama, Ini Perbedaan Paylater dan Kartu Kredit


 


Beberapa perusahaan fintech dompet digital mulai mempererat feature bayar nanti atau paylater. Kebijaksanaan itu diambil ditengah-tengah waktu epidemi COVID-19.

Teknik Tarung Ayam Bangkok Brakot

Feature ini sebetulnya sedang naik daun. Beberapa pemakai dompet digital lumayan banyak manfaatkan service ini. Lantas apa perbedaannya paylater dengan service perbankan sama seperti kartu credit?


Pada intinya peranan paylater hampir sama juga dengan kartu credit yang saling mempunyai limit. Pemakai dapat manfaatkan service ini untuk belanja lantas bayarnya kelak sesuai dengan agenda. Ada yang dapat dilunasi langsung di saat tanggal diputuskan tanpa ada terkena bunga, ada pula yang dapat dicicil dengan pengenaan bunga.


Tetapi ada banyak ketidaksamaan dari paylater dengan kartu credit. Ketidaksamaan yang paling penting tentu saja ialah pemakaian tehnologinya di semasing skema pembayaran itu. Paylater mengaplikasikan service full digital, sesaat kartu credit masih memakai fisik.


Ketidaksamaan yang lain dari bagian kriteria, paylater semakin lebih gampang daripada kartu credit. Untuk kartu credit nasabah harus lewat proses-proses manual, seperti isi beberapa dokumen seperti form data diri dan lain-lain.


Selanjutnya saat telah disodorkan, faksi bank lakukan proses survey. Biasa dalam proses ini faksi bank mengontak beberapa faksi yang tercantum dalam data nasabahnya. Maksudnya untuk pastikan kebenaran data itu. Kartu credit umumnya lewat proses BI checking.


Sesaat paylater pemenuhan data dokumen full dilaksanakan dengan cara online, termasuk juga photo diri serta kartu jati diri. Tetapi faksi dompet digital tidak lakukan survey. Proses semakin lebih longgar.


Selanjutnya dari bagian pemakaiannya, umumnya limit awal paylater semakin lebih sedikit dibanding kartu credit. Tetapi untuk limit paylater akan berangsur naik bila pemakainya disiplin dalam pembayaran serta catatan kisah transaksinya dipandang baik.


Lantas dari bagian pemakaian, kartu credit semakin lebih luas, sebab dapat dipakai untuk transaksi dengan cara off line serta online. Merchant-nya banyak, bagus untuk berbelanja baju, makan di restoran, sampai berbelanja keperluan setiap hari.


Sesaat untuk paylater cuma umumnya bertambah terbatas ruangan pemakaiannya. Misalnya OVO yang feature service paylater-nya cuma dapat dipakai di satu e-commerce yaitu Tokopedia. Walau sekarang ini service OVO paylater di Tokopedia sedang dibekukan. Selanjutnya Shopee paylater yang tentu saja cuma dapat dipakai di Shopee.


Pokoknya paylater serta kartu credit ialah alat tukar pembayaran untuk berbelanja. Tidak sama dengan sarana utang seperti KTA atau utang online, paylater serta kartu credit tidak dapat dicairkan dengan cara tunai.


Lokasi: Indonesia

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