Ngokwezimali: ukuzuza - ntoni na?

amaziko Banking kunye namanye amaziko zemali kwimisebenzi yabo badla ukusebenzisa amagama abolekwe kulwimi IsiNgesi. Ukuba nolwazi olusisiseko behlabathi iindlela zonxibelelwano, sinako ukuqonda ezinye isigama, ezifana "ulwandiso (ulwandiso) akhawunti", "debit Iintlawulo" kunye nabanye. Kodwa ke kukho iimeko apho inguqulelo yokoqobo kuncinci chazela malunga ixabiso elililo kwawo nawuphi na umsebenzi. Umzekelo, ukuzuza - yintoni ntoni oko? Cinga ukubaluleka kolu luvo.

Le mbono "ukuzuza"

Imisebenzi Amaziko zemali ukubonelela uyilo, kunye neenkonzo zolwazi nobuchwepheshe usebenzisa amakhadi intlawulo, kunye nezixhobo eyenzelwe ngokukodwa le misebenzi, kwaye kukho ozuza. Kuthetha ntoni oku kuthetha ngolwimi efikelelekayo-to-ukuqonda ngakumbi?

Ukufumana (ukusuka «ukuzuza» ulwimi IsiNgesi - acquisition) ikwamele ithuba ukuhlawula izinto ezithengwa kuloo hypermarkets, iinkonzo kunye ezifana, esebenzisa lwentlawulo (credit) amakhadi ekhutshwe ngamaziko zebhanki. Kuninzi lwamazwe Koloni, loo ubalo-nkqubo kudala zikho kwaye kwandile.

iintlobo zokuzuza

Kukho iindidi ezimbini lo msebenzi:

1. Umthengisi Ukuzuza. Ukwenza le nkqubo isebenzisa POS-kwiitheminali, apho ikhadi okhoyo kwi ibhanki leyo debit kunye nomsayino isibambi kubekwa phezu itshekhi.
2. yokufumana Internet-kuyafana transactions imali wenziwe umbutho eyodwa ebizwa ngokuba "iziko processing". Xa ikhadi efanayo yentlawulo akakho ngokwasemzimbeni, kunye nokuchongwa utyikityo akwenziwanga ngendlela apha.

Iimbalasane

Okuhlawulela iimpahla neenkonzo indlela non-cash Kulula kakhulu, nto leyo echaza ukusasazwa ngokubanzi yale nkqubo, njengoko ukuzuza (kuthetha ntoni, sele kuxoxwe ngasentla). Le nkqubo intanethi imi ngolu hlobo lulandelayo: umthengi engena data (-inishiyali, inombolo yekhadi, igama ebhankini, njalo njalo) ngendlela ekhethekileyo kwi-website kunye kwisitora online ekupheleni ukuqinisekisa intlawulo.

Kulo mzekelo, inkqubo intanethi ingaqhuba ngeendlela ezininzi:

• iintlawulo ezifunyenweyo ngenxa ivenkile online. namhlanje Nangona kunjalo, le ndlela kucingwa esele kuphelelwa ngenxa ipesenti ephezulu umngcipheko;
• iintlawulo zenziwe kwizikim electronic imali;
• ukusebenza zokuzuza usebenzisa amakhadi intlawulo iinkqubo elektroniki kunye nokudluliselwa kwenxenye umngcipheko ukuya entlanganweni.

Unako kwakhona uqaphele ukuba kwimeko non-nkonzo kufuneka ube kumgangatho okanye umgangatho ophantsi iimpahla ezithengiweyo umthengi unokufaka ibango leenyanga umva imali yakho kwisithuba seentsuku ezili-180. Inkqubo lokusula ekuthiwa ukukhokhela, kwaye ukunciphisa kukuvela Kwiimeko ezinjalo, amakhadi nabalawuli ziye inkqubo imali kwi abasasazi impahla okanye iinkonzo. Izinga Level Ukungaphumeleli avumelekile kwinkqubo yekhadi MVUME LOKUNDWENDWELA LEXESHANA yi-2%, kunye MasterCard - hayi ngaphezulu kwe-1%.

Umdibaniso ezi nkonzo kubonelelwa zombini iibhanki kunye nokulungiswa intlawulo, ngoxa ukuze kuqatshelwe ukuba iirhafu kunye nemiqathango kula maziko mali emibini ifana kakhulu.

Iintlawulo ze eziluncedo, intlawulo ngenxa zonxibelelwano ezihambayo, ukuthunyelwa kwemali - oku uluhlu engaphelelanga lwe amathuba okunikelwe ithole. Kuthetha ukuthini ukuba umntu ngamnye, u nga twisisa ngaphandle kwengcaciso - bahlukane ufolo, ukuphunyezwa yentengo nangaliphi na ixesha emini njalo-njalo. Sinokuthi ukuba le nkqubo - njengenye yeekhomponenti uluntu ephuhliswe ngokwemigqaliselo kwezoqoqosho kunye nobugcisa.