Ukuhlawula iimpahla kunye neenkonzo kwiivenkile ngaphandle kwemali yemali kuye kwaba yindawo evamile kubantu abaninzi banamhlanje. Iimeko ezinjalo ezingenasiphelo azilungeleli kuphela abanikazi bamakhadi asebhanki, kodwa nabanini bemibutho yezorhwebo, ekubeni ineenzuzo ezininzi. Yintoni na - ukuzuza kwaye zeziphi iingenelo zokunikezela ukwazi.
Uzuza njani umsebenzi?
Yintoni ukuthengwa kwezorhwebo kunye nendlela esebenza ngayo akuyiyo yonke into eyaziwayo. Eli gama liqondwa njengendawo yokuhlala engenasiphelo esitolo, oko kukuthi, ukuhlawula iimpahla kungekho ngemali, kodwa ngekhadi lebhanki. Ukususela kwisiNgesi, eli gama lihunyushwe ngokuthi "ukufumana" -kubhala imali kwi-akhawunti ngokuthengwa kweempahla okanye iinkonzo ezinikeziwe. Le nqubo iqhutyelwa ngokusebenzisa i-terminal ekhethekileyo.
Ukufumana - i-pros and cons
Le nkqubo inenzuzo kwintlalo yanamhlanje. Sincoma ukuba sifumane ukuba yiziphi iingenelo zokuzuza. Abaninzi babiza ukuba luncedo lokufumana:
- Ukwandiswa kweentengiso - ngokwamaxabiso, emva kokufaka isigxina esikhethekileyo kwisitore okanye kwindawo yokuthenga, ukunyuka kweentengo ngamashumi amabini okanye kwamashumi amathathu.
- Ukuthotyelwa kubaxhasi - umthengi ongenakufuneka athathe ixabiso elikhulu naye, kufuneka nje ube nekhadi lebhanki uze ukwazi ikhowudi yayo yepini.
- Izimo ezinobunini kubanini-intsebenziswano kunye nebhanki efumanayo inika ithuba lokuba nxaxheba kwiiprogram ezikhethiweyo.
- Ukhuseleko lwezinto zokuthengisa - xa ufaka i-terminal ekhethekileyo, ukufumana amanqaku enkohliso kungabandakanywa.
Akuninzi, kodwa ukuzuza kunakho ukungalungi:
- Iingxaki kwi-terminal.
- Isidingo sokuhlala ukhumbula ikhowudi ye-pin, ngaphandle kokungenakwenzeka ukuyithenga.
- Ukungakwazi ukuthenga kwiindawo apho izixhobo azifaki.
Ukufumana - Iintlobo
Kuyinto yesiko ukuhlukanisa ezo ntlobo zokufumana:
- Ukurhweba yinkonzo ebhanki ekubonelela ngayo iimpahla zokuthengisa. Ngomncedisi, ngamnye umnini-makhadi akanakho ukuhlawula i-banknotes, kodwa ikhadi lebhanki. Kukulungele ukuba kubathengi kunye nemibutho yezorhwebo.
- I-intanethi yokufumana ininzi efana neyorhwebo, kodwa akukho nxu lumano phakathi komthengisi kunye nomthengi, ekubeni zonke iintengo zenziwa kwi-intanethi.
- Imfono - yenziwa ngefowuni. Ndiyabulela kuye, unokuhlawula ukuthenga kunye neenkonzo ngaphandle kokushiya imoto.
Yintoni i-Intanethi yokufumana?
Ngomntu wanamhlanje, ukuthengwa kwe-intanethi kuqhelanisekile, njengoko kulungile kakhulu. Ukuyalela imveliso okanye inkonzo, akukho mfuneko yokuphuma kwaye uchithe ixesha lakho ukufuna izinto eziyimfuneko. Yonke into inokwenziwa kwimoya yasekhaya ekhululekile kunye nekomityi yekhofi ecocekileyo. Ukutshintshela imouse emibini, kwaye umyalelo uyenziwe. Ukufumana i-intanethi yintlawulo engekho-mali apho kungekho buhlobo phakathi komthengisi kunye nabathengi.
Ukuthengwa kwezorhwebo - yintoni na?
Kwabaninzi abantu banamhlanje baye baba yindawo eqhelekileyo ukuhlawula kwiivenkile ngekhadi lebhanki. Urhwebo oluthola inkonzo yokufumana ibhanki yombutho wezorhwebo, ngenxa yokuba umthengisi unethuba lokuvuma amakhadi amakhasimende njengentlawulo yempahla ethile kunye neenkonzo. Oko kukuthi, inkqubo leyo apho umthengi axhapha umdayisi kwaye ngexesha elifanayo ukuhlawula ikhadi lakhe kuthiwa ukuthengisa.
Imfono ukuzuza - yintoni na?
Eyona ndlela ingcono kwi-terminal yemveli yendawo yokungabikho kwemali iyimodeli ye-POS yeselula. Ngokuncediswa kwesi sixhobo kuqhelekileyo ukuba kwenziwe ukufumana izixhobo eziphathekayo. Esi sigxina ngumfundi wekhadi odibanisa ne-smartphone kunye nesicelo esifakelweyo. Ikuvumela ukuba usebenze ngeenkqubo ezinkulu zokuhlawula - iVisa, MasterCard. Inkokhelo enjalo engekho imali inezinzuzo ezininzi:
- ukuhamba komsebenzi;
- Ukufikelela kwiiyure ezingama-24 kwiibhanki zakho zebhanki;
- xabiso lento yexabiso;
- ukhuseleko lweendawo zokungabikho kwemali.
Indlela yokuxhuma ukufumana?
Ukuxhuma ukufumana, kufuneka uqukumbele isivumelwano kunye nebhanki engayi kunika inkonzo enjalo. Iziko lezemali liya kudibanisa i-outlet kwiinkqubo zokuhlawula eyaziwayo emhlabeni wonke. Ngeenkonzo ezinikezelweyo, ibhanki iya kuthatha ikhomishini, eya kuyancipha ngokuxhomekeka kwenkcitho yenyanga yemali. Ngelo xesha, amaziko ezezimali anceda abasebenzi beemibutho yorhwebo ukuba baqaphele inkqubo yokuhlaliswa kweentlupheko. Amabhanki anika iimveliso zokuhlola kwaye ancedise ukuqonda zonke iinkcukacha zobungqina beenkqubo zentlawulo yekhompyutha.
Funda imigaqo yokufumana nokudibanisa inkonzo kunye nabanini bezitolo ze-intanethi. Ukwenza oku, kufuneka kwakhona ukhethe ibhanki uze wenze isivumelwano kunye nalo. Emva koko kuya kubakho ukuhlawulisa umthumeli ohambisa iimpahla ukufumana intlawulo usebenzisa izixhobo ezizodwa zokufumana, okanye abathengi baya kukwazi ukuhlawula ngeendlela ezikhethekileyo zewebhu. Ezinye iibhanki azihlawulisi iikhomishini kwiinyanga zokuqala zokusebenzisa inkonzo.
Imivuzo yokufumana
Ukuhlaliswa kweentlupheko kulungelelanisi nje kuphela kubathengi banamhlanje, kodwa kunye nemibutho yezorhwebo. Ukufumana iinkonzo kunceda ukwandisa ukuthengisa ngamashumi mabini, kwaye kwezinye iimeko ngamashumi amathathu ekhulwini. Inqaku leengqondo lidlala indima ebalulekileyo apha, kuba umntu ubala ikhadi kwaye akadingeki ukubala iibhilidi aze alondoloze. Oku kuyinyani ngokukodwa ukuhlawula iimpahla kunye neenkonzo kwi-Intanethi, apho kungekho nto enjengemali. Ngenxa yokubala okunjalo, ukuthengiswa kwempahla kunye neenkonzo kunyuke.
Indlela yokwandisa inzuzo ngokufumana?
Kukho iindlela apho inkqubo yokufumana iyakwandisa isantya:
- Izipho kunye nokukhushulwa kukunyuka kokuthengisa okubandakanya izipho okanye ukukhangela izipho zabanikazi bamakhadi.
- Amakhadi ezithengiso - ezinye iintlangano zorhwebo zisebenzisa amakhadi abo ngokwazo izaphulelo.
- Intlawulo yentengiso yentlalo ngamakhadi ebhanki.
- Ukwahlula kwamaphupha athengiswayo - kwelinye lamaphuzu kukho ukuhlawula ngemali, kwaye kwenye ungayikhokha kuphela ngamakhadi asebhanki.
- Ukuthatha izenzo ezidibeneyo kunye nebhanki.
Iintlobo zobuqhetseba ekufumaneni
Kulula kakhulu ukukhusela ingxaki, kunokuba ufune iindlela zokuyicombulula. Abasebenzi beebhanki benza konke okusemandleni abo ukuqinisekisa ukuba iintlawulo ezingekho kwemali zikhuselekileyo kwaye zilungele ukuba babini bamakhadi kunye nemibutho yezorhwebo. Nangona kunjalo, ngezinye iinkqubo abagxeki banokwenza ubuqhetseba baze basebenzise iimpawu zokuzuza kwiinjongo zabo. Kukho iintlobo zobuqhetseba ekufumaneni:
- Ubusela bekhowudi yepini . Kukho iimeko xa ileta ifike kwisithuba somnini wekhadi kunye nekhonkco kwiwebhsayithi yebhanki. Ukugqithiswa kwesi sixhumanisi, umntu uzitholele ikopi yefayile yewebhsayithi yebhanki aze afake ikhowudi yakhe ye-PIN kwintsimi ekhethekileyo, "eyafundwa" kwaye kamva isetyenziselwa ukuba imali.
- Ifowuni esuka "kummeli" webhanki . Kwiintetho ezinjalo zomnxeba, umnini wekhadi unokunomdla kwi-pin-code yekhadi okanye impendulo kumbuzo oyimfihlo. Ndiyabulela kule nkcazelo, abakwa-scammers bangafikelela kwimali.