"Visa" yaye "MasterCard". "MasterCard" yaye "Visa" eRashiya. Visa and Mastercard

"Visa" yaye "Mastercard" - inkqubo yentlawulo a ziibhanka ezininzi ehlabathini jikelele zisetyenziselwa izibalo kwi amakhadi yelo zombini abantu kunye nemibutho esemthethweni. Ukuze ufumane inkcazelo engakumbi malunga neenkqubo, malunga ngembali lemvelaphi yabo, ukuba zahluke, kuya kuxoxwa ngazo kwinqaku lethu. Kwakhona ukuphendula umbuzo ukuba benze ntoni xa ikhadi lakho yi "Visa" yaye "MasterCard" itshixiwe.

A incinane

Yonke le nto yaqala nesibakala sokuba ngo-1958 enye yebhanki US, ezizezi Bank of America, ukhuphe ikhadi intlawulo a, ngasendleleni, kukho izinto ezintsha ukwenzela ixesha. Emva njengomlambo abathengi abafuna ukufumana "iqhekeza imali zeplastiki" ikhule kakhulu kangangokuba kwafuneka ukuba inkampani inkonzo eyahlukileyo kangaka, ebizwa Bank Americard Service Corporation - yaba kwase inkqubo yentlawulo yelizwe Visa. Igama lakhe ukhumbuleka yena wafumana kamva. Kwaye akukho nto ungayiqondiyo, kodwa ngengqiqo ngokoqobo ilizwi - "Visa", elifutshane kunye lula ifakwe egameni memory. ikhadi Qala logo oqaqambileyo oluhlaza yapapashwa ngo-1976. Ke Master Card, eyasekwayo noko emva (kokuthabatha unyaka isiseko ukuba i "Visa" we-1958), oko kukuthi ngowe-1966. Abambalwa, kwakhona, iibhanki US ukuba utyikitye isivumelwano malunga nokukhululwa kwenkqubo yentlawulo eyodwa, apho waba igama Overnight Card Association. Kamva kwakhona iguqulwe capacious ngakumbi kwaye laconic - Master Card.

Isabelo kakuhle kwimarike iinkqubo zentlawulo

Ekubeni "Visa" yaye "MasterCard" ziinkqubo ethandwa kakhulu, enye yezi iilogo zingafunyanwa kwi 83% ye amakhadi intlawulo eUnited States nakwamanye amazwe aphuhlileyo. Enyanisweni, i "visa" ethandwayo ngaphezu nembangi yayo, oko has a share kwiimalike zehlabathi omalunga nama-57%, nto leyo ebangela ukuba inxalenye enkulu yaso. Ke ukuba i "MasterCard", amanani kukho ngandlel eqhelekileyo ngakumbi - 26%. Namhlanje amakhadi abathwele enye yezi iilogo yamkelwe kumazwe angaphezu kwama-200 ehlabathini lonke. Qaphela ukuba i "Visa" yaye "Mastercard" - inkqubo yentlawulo a, leyo ekuqaleni esekelwe kwi-dollar. Akumangalisi, ngenxa yokuba ekhaya eUnited States. Kodwa ke, kunjalo, ukuba zeplastiki banokuba phantse naluphi na lwemali zehlabathi, inkoliso iibhanki zisebenza nabo.

Le amakhadi abahluke "MasterCard" yaye "Visa"?

Eneneni, ukuba ngaba eRashiya kwaye cela igosa likarhulumente okanye ibhanki yabucala, ngoko kunqabile ukuba ufumane impendulo ecacileyo. Kuba Russia, umahluko kakhulu ukuba kunokuchaphazela ukhetho lwenkqubo, akukho. Iibhanki ngokwabo amaxesha amalungiselelo unyuselo yokwazisa ukukhetha elinye okanye enye inkqubo, kodwa, kunoko, oko kuthetha ukuba iimeko zabo wokubambisana kakuhle ngakumbi. Akubuzwa, inkqubo yentlawulo yelizwe, "Visa" yaye "MasterCard" zahlukile enye kwenye. Okokuqala, lo lwemali wokwenziwa inkqubo Visa kuphela dollar, yaye oko kuthetha ukuba zonke iintlawulo efuna ukuguqulwa kwemali (umzekelo, uhlawula ikhadi "Visa" ukuthengwa TV e China), kuya kwenziwa ngokusebenzisa dollar. Le nkqubo 'MasterCard "kukho ezinye ukhetho, kuba isebenza kuphela ukuba idola kodwa euro. Kwezinye iimeko, kunokuba luncedo. Ngaphezu koko, eRashiya izibalo ezinje kusetyenziswa akhawunti kumnxulumanisi na euro.

Indlela ukuba ukhethe ikhadi: kunye "Visa" okanye "MasterCard"?

Hayi ke, loo iqhekeza zeplastiki - ikhadi lebhanki - akunjalo njengeendleko, kodwa kunoko indlela, isitshixo kuyo. Ke yena, ngenxa, eRashiya abe engange, euro okanye US lwemali - eerandi. Ngokubanzi, njengokuba sele kukhankanyiwe apha ngentla, ukhetho amakhadi ebotshelelwe inkqubo yentlawulo ethile ukunikela ingqalelo xa basoloko uza phesheya okanye wenze ukuthenga ezivenkileni amazwe online. Ukuba ufuna ukusebenzisa "zeplastiki" kuphela kwilizwe, inkqubo 'Visa "yaye" MasterCard "alingana. Kodwa nayiphi na bahambi shopaholic nento ukucinga. Nantsi eminye imizekelo: Masithi e Amsterdam kwaye ufuna ukuba ahlawule ehotele, kwaye ikhadi ebotshelelwe akhawunti engange. Xa kuhlawulwa ukuguquka lwemali card "Visa" iya kuhamba ngolu hlobo lulandelayo: i imali engange-dollar, Euro, yaye enye into. Xa usebenzisa ikhadi kunye logo of "Mastercard" scheme lula: Ruble-Euro. Ukuthathela ingqalelo ukuba ukuguqulwa kwemali kabini-kathathu - yinto ipesenti engaphezulu, nokuba kuncinane, ndiyayithabatha-akhawunti yakho, ngokuba iihambo rhoqo eYurophu lwemali "yeyuro 'eli lizwe kunye nezinye kubhetele nangoku ukunika amakhadi okukhethwayo" MasterCard ". Kwakunye kuhambo eUnited States kubhetele ukuba usebenzise ngokuzibophelela kwi-nkqubo, "Visa".

Inkululeko yokuzikhethela: ngakumbi kancinci malunga iimpawu zeemephu phantsi ingqalelo iinkqubo zentlawulo, esinokufumana okukhethwayo kwakho

Olu luhlu lulandelayo lubonisa ezinye iimpawu lweenkqubo "MasterCard" yaye "Visa" eRashiya nakwamanye amazwe ehlabathini:

• Ngenxa yokuba inkqubo yentlawulo lobukho "Visa" liye-ATM phi na ukurhoxisa imali ehlabathini eRashiya ngaphezu okhuphisana wayo - umqhubi "Mastercard". Oku kunokuba luncedo ebalulekileyo ngokuthanda ukhetho amakhadi "Visa" xa kunokwenzeka ukuba asetyenziswa ukuya kumazwe ezingaqhelekanga kwaye kakhulu ephucukile. E Cambodia, umzekelo, bambalwa kakhulu-ATM, ngoko ke amathuba yokubona logo blue kukho iphezulu kakhulu ngaphezu kwayo nayiphi na enye.
• Kuyaphawuleka ukuba zombini iinkqubo, akukho imida zokurhoxisa imali-ATM abanini ziinkqubo zomntu wesithathu. Singenza ubomi lula kwaye uhambo eTshayina, apho umsebenzisi intlawulo iqhelekileyo i-China UnionPay yasekuhlaleni.
• Nceda uqaphele, amakhadi intlawulo, "Visa" yaye "MasterCard" ekuthengeni ngekhompyutha i ezincinane. I njalo-ebizwa ngokuba "ikhowudi yokuqinisekisa", okanye mandithi isikhundla yayo kwiinkqubo ezahlukeneyo. Ngoko ke, ikhadi "Visa" kwamkeleka segama le CVV2, nangenxa "MasterCard" yahlukile - CVC2.

Ezi umahluko, kodwa ubukhulu becala umbuzo soguqulo kwemali xa uhambela phesheya. Khumbula umthetho olula: ukuba uhambela eYurophu, khetha ikhadi "MasterCard" ukuba kwi US - Visa, eRashiya - into efana nayo, okanye ukuba linikeza bank.

Cards "Visa" yaye "MasterCard" Sberbank of Russia

ibhanki eziphambili lizwe likhupha amakhadi ezinokuthi eqhotyoshelwe omnye iinkqubo zentlawulo ingqalelo. Ungenza ukhetho lwakho. Kwakhona, ibhanki kunye neenkampani Russian angaphandle ezinkulu ezifundisa iinkqubo bonus ezahlukeneyo, leyo ke ibe ukhuthazo owongezelelweyo nokufunyanwa amatikiti simahla yaye njalo njalo. Ngaphambi kokuba usebenzise kakhulu rhoqo ukuze avelise imaphu, cinga ukuba ukhetha uhlobo yokuphila kwaye zeziphi na iinkonzo. Umzekelo, ukuba umsebenzi wakho okanye ishishini enxulumene moya rhoqo, nokuba wena nje ixesha elininzi ehamba yedwa okanye usapho lwakho, kusilungele, ukuba ukukhetha inkqubo 'Visa "kwaye uqhagamshele ikhadi ukuya Savings Bank of inkqubo edibeneyo kwakunye inkampani" Aeroflot "-" Aeroflot Bonus ". iintlawulo ephumeza "zeplastiki", wena baziqwebele iikhilomitha virtual emva usenokuba zitshintshwe zibe eekhilomitha real - unako ngentlawulelo kwabo itikiti ukuya naphi na kweli lizwe okanye ihlabathi. zingafunyanwa kulo naliphi na isebe kunye isebe "Sberbank" Iinkcukacha ezi nkqubo. Yilaa ukusebenzisa amakhadi ngayo nje elula, kodwa inzuzo.

Kuthekani ukuba ikhadi itshixiwe? ezibangela imifuziselo cima ikhompyutha kwenkqubo yekhadi

Yeyona isiyaluyalu nayiphi na umhambi - xa uzithengela impahla phesheya kukhawuleza libone ukuba ikhadi lakhe "Visa" yaye "MasterCard" ithintelwe. Kufuneka wenze ntoni xa sinamatyala angaka? Okokuqala, musa ukothuka. Into yokuba iibhanki soze ndinqumle ikhadi lakho "ngqo", ikakhulu lenza izicwangciso inkqubo ezibhaliselwe ezinye iikhrayitheriya ukubala ukusetyenziswa njengobuqhophololo kwekhadi (umzekelo, yona na ukundilalanisa, yaye umntu ufuna ukwenza oko lokuthenga). Phakathi kwezi zalathisi zezi:

• Iintengiselwano ezenziwa phesheya, lo gama sele ngaphambili aya kwamanye amazwe nto. Oku nenani engaqhelekanga yokuziphatha yabathengi kwaye ekugqibeleni kukhokelela ikwaxina kwekhadi.
• Isixa ukwenza imisebenzi. Umzekelo, ukuba ngaba "ngequbuliso" wayefuna ukwenza ukuthenga enkulu, bachitha phantsi ingxelo yazo zonke imali na umthetho oyilwayo, yaye kwelinye - oko phantse ngokupheleleyo ukusebenza, yinxalenye yeqela lomngcipheko ekuthiwa njalo-.
• Ilandela ukuthenga lwakho. Ngaphambilana kwiivenkile umelwe kukuba phezu yemephu ikakhulu impahla, ukutya kunye izithambiso, uze ngesiquphe wayefuna ukuthenga ikhompyutha kakhulu elisetyenziswayo lomqhubekisi phambili okanye kwi laptop yakho, okanye, yithini, nasemkhenkceni kunye iibhutsi, kusenokukhokelela ekubeni uvimba kwekhadi.

Kwakhona, inkqubo nangoko vala yeplastiki kumboneleli care wakho ukuba une iyure eyadlulayo wenza ukuthenga eOmsk, yaye emva kwemizuzu engama-60, wazama ukususa imali yakhe kwi-US ATM. Uyavuma, akunakwenzeka ngokwasemzimbeni. Kodwa wachaza ityala - ngobuqhophololo ikhadi ekuqhelekileyo ukuba iibhanki baye bafunda ukuba ukulandelela kakuhle. Ngokubanzi, kunokwenziwa isigqibo ukuba amaziko ezemali enze uvimba kulunge zethu. Ukuze kuthintelwe ngandlela ithile oku ezi- angazithandiyo kwisicelo ikhadi, ungenza ngokuphambili ukhankanye ilizwe undwendwela rhoqo, ukuba uzibeke emngciphekweni, kwaye tufwile yebhanki ngexesha kohambo ngalunye amazwe. Ngokuqhelekileyo oku kunceda kakhulu ukugcina "kwi-akhawunti isitshixo" yakho ukuze Andisebenzi kwaye ibe phakathi ka Paris okanye New York neqhekeza engenamsebenzi yeplastiki ezandleni zakhe. Kodwa kuphela kuthintelo, ngaphantsi siye sikunike isikhokelo emfutshane ntoni xa "Visa" yaye "MasterCard" amakhadi ithintelwe.

Guide Quick ukuba ukuvula inkqubo yentlawulo ikhadi ezaziwayo

Ukuba eRashiya, ngendlela elula ukuya kwisebe ekufutshane ebhankini uze ubhale ingxelo ukuba ukuvula ikhadi. Ngokuqhelekileyo kwakhona ziquka umsebenzi ngqo nawe. amaziko azimeleyo zemali, ubukhulu becala abucala, kufuneka ikhadi yefowuni iinkonzo nokuvula. Kulo mzekelo, ungatsalela umnxeba multi-line kunye inxibelelene umsebenzisi Ebizele inombolo yekhadi, igama ikhowudi, yaye mhlawumbi uphendula imibuzo embalwa malunga data zakho, kwaye iintlawulo, vula ikhadi lakho. Kubalulekile - ekulungiseleleni zeplastiki ukubuza, kwaye ukuba kunokwenzeka kwimeko loqhawulo "Key kwi-akhawunti" bakho kwakhona ukusebenzisa umsebenzi wayo on the phone. Ibanki ezininzi zinika olu hlobo nkonzo, kwaye abaninzi - akukho. Ngoko ke, ukuba usele ngesiquphe kunye nekhadi itshixiwe "Visa" okanye "MasterCard", nto leyo yakhupha amaziko Russian, kwaye ibhanki akayixhasi umsebenzi ikhadi yokuvula ngaphandle kukuliphi yobuqu kwenye emasebeni awo, bekuya kuba nzima ukuvula.

Isishwankathelo Iziphelo

Ngelishwa, yonke imithetho ezidweliswe kumhlathi ngentla, kusebenza kwakhona amakhadi beebhanki zasemzini, kuba amasebe awo kuxhomekeke zokwenene Russian. Umzekelo, ukuba ikhadi lakho Royal Bank of ofisi Scotland phesheya ukuvimbile, awukwazi kanye apho, phesheya, siyivula kwisebe. Siza ukuba abuyela eRashiya. Enye indlela okanye omnye, kunye iihambo rhoqo phesheya, kufuneka ucacise amathuba eligqithisiweyo lokuvula ikhadi, kwakunye nayiphi na imeko musa "walala" amaqanda ngobozini-nye, kodwa abe 'yeplastiki "kweebhanki ezininzi. Kanti phesheya na zisengozini ukuba ahlale ngaphandle kwemali.