PayZen vs Hamara Kharcha

Easily cash in wherever you are with your smartphone or tablet, face to face or remotely. A cost-effective alternative to using a payment terminal and/or to offer your customers a simplified payment experience. How it works: 1. With the Payzen by Lyra application, create a payment link 2. Share it with your customer through a QR code or send it by SMS, WhatsApp, email or your favorite channel. 3. Your customer only has to click on the link or scan the QR code to make the payment on a secure web page. You can view in real time the progress of the payment requests for an optimal follow-up. An ideal solution for door-to-door sales, delivery, remote points of sale, booking by phone, invoice payment or unpaid reminders! The advantages of PayZen by Lyra: · More than 150 payment methods available (bank cards, wallet, prepaid cards, lunch vouchers, Chèques-vancance connect, sepa direct debit with e-mandate signature...) · Multi-currency with dynamic currency conversion available · Multilingual application · Multi-shops: one application to access all your shops · Ability to share the link on your other preferred and private channels such as Facebook, Messenger, Instagram, Telegram.... · Highly secure payment page: PCI DSS and 3DS2 Features in details: · Payment requests · Requests for a payment method registration · Payment and payment method registration requests · Payment status: sent, in progress, paid, cancelled, refused, expired · Details available for each payment request created · Advanced customization: link expiration date, language choice, payment validation choice (automatic or manual), capture delay · Compatible with the hosted page including data collect form · Connected with a powerful back office · Get an access to the PayZen back office with the same login/password for even more features: · Cancel, refund or duplicate payments · Accounting export · Republish a payment ticket · Advanced preferences and customization Access to this application requests to a PayZen subscription including payment orders and a distance contract. It can be used in addition to a website or on its own. About PayZen PayZen is a solution published by the Lyra Group, expert and leader in secure payments. Founded in 2001, Lyra has an international presence through its 11 subsidiaries and manages: · + 250,000 e-commerce sites worldwide · + 20 billion payments per year · + 4 million payment terminals worldwide Its services are PCI DSS, PCI 3DS, Visa, MasterCard certified and approved by the GIE Cartes Bancaires.

Hamara Kharcha is an all-in-one personal finance tracker built for Indian households — track everyday spending, budgets, loans, EMIs, insurance, investments and gold in one simple app. WHAT YOU CAN TRACK Transactions — log income and expenses by category, with recurring entries that repeat automatically each month so you never re-enter your salary. Budgets — set a monthly limit per category and watch the bar turn amber at 80% and red past 100%, so you find out before the month ends. Financial Health Score — one number out of 100 covering savings rate, EMI burden, emergency fund and investing discipline. Tap it to see the working. Loans, EMIs and credit cards — balances, interest rates, remaining tenure and a real payoff timeline, not just a number. Investments — MF, SIP, FD, RD, PPF, NPS, stocks and gold, with a projector showing where your monthly investment is headed over 5, 10 and 20 years. Insurance — policy details, premiums and renewal reminders before anything lapses. Reports — spending by category and income against expenses over time. SHARE WITH YOUR HOUSEHOLD Invite family to a shared household so everyone logs and sees expenses together — for couples, families and roommates managing money as a team. Every entry shows who added it. BUILT FOR INDIA, USABLE ANYWHERE Amounts in lakhs and crores, categories that match how Indian families actually spend, and 16 currencies if you're managing money from abroad. SIMPLE AND SECURE Sign in with Apple, Google or email. Your financial data is yours — no selling, no sharing with advertisers. Delete your account and all its data from inside the app at any time. Hamara Kharcha is a tracking and organising tool, not a registered financial advisor — it doesn't provide investment, insurance or loan advice. Questions or feedback: hello@hamarakharcha.in