Imigomo lwezezimali: ekuzuzeni - kuyini?

amabhange nezinye izikhungo zezimali emisebenzini yabo ngokuvamile zisebenzisa amagama lathathwa olimini lwesiNgisi livela kwelesiLatini. Ukuba nolwazi oluyisisekelo emhlabeni izindlela zokuxhumana, sizwisise ezinye amagama, ezifana "isandiso (isandiso) Akhawunti", "I-Debit Izinkokhelo" nabanye. Kodwa kukhona izimo lapho kuhunyushwa Kuncane ungazisa mayelana nenani langempela noma iyiphi ukusebenza. Ngokwesibonelo, ezuza - kusho ukuthini? Cabanga ukubaluleka lo mqondo.

Umqondo "nokuthola"

Imisebenzi yisikhungo sezinhlangano eziphambili zezezimali ukunikeza design, namasevisi yelwati usebenzisa amakhadi okukhokha, nama imishini lenzelwa ngale misebenzi, futhi lapho uzuza. Kusho ukuthini lokhu ngolimi kufinyeleleke ku-ukuqonda okwengeziwe?

Ukuthola (kusuka «ekuzuzeni» ngolimi lwesiNgisi - yokufuna) limelela ithuba yokukhokhela ukuthenga e Hypermarkets, amasevisi kanye nokunye okufana nalokho, esebenzisa lokukhokha (credit) amakhadi esikhishwa izikhungo yasebhange. Emazweni amaningi aseNtshonalanga, eside ukubala somgomo wokusetshenziswa kwezilimi eziningi sekuneminyaka futhi kuyinto ejwayelekile.

izinhlobo yokuzuza

Kunezinhlobo ezimbili zama-yalo msebenzi:

1. Somthengisi Ithola. Ukuze afeze le nqubo isebenzisa pos-ezikhumulweni, lapho ikhadi ngokomzimba samanje ebhange okuyinto lasebhange nekusayina umnikazi ibekwe phezu isheke.
2. Inthanethi-ekuzuzeni iyafana imali ukuthengiselana eyenziwa yinhlangano ekhethekile okuthiwa "processing isikhungo". Ngesikhathi ikhadi efanayo yokukhokha hhayi ngokoqobo, kanye ukuhlonza isignesha akuyona eyenziwa lapha.

Highlights

Khokhela izimpahla namasevisi nge non-cash indlela ekahle kakhulu, echaza yokwanda ububanzi yale nqubo, njengoba sizuze (kusho ukuthini, sekuxoxiwe ngenhla). Le nqubo inthanethi simiswe ngalendlela lelandzelako: umthengi ingena idatha (initials, inombolo yekhadi, Igama lebhange, nokunye) ifomu ekhethekile kuwebhusayithi kanye nokugcina inthanethi ekupheleni eqinisekisa ukukhokhelwa.

Kulokhu, inqubo inthanethi kungathatha indawo ngezindlela eziningana:

• izinkokhelo wathola ngenxa esitolo online. Nokho, le ndlela kubhekwa namuhla kungenzeka ukuthi kakade yisikhathi ngenxa iphesenti enkulu;
• izinkokhelo ezenziwe imali izikimu ngogesi;
• ukusebenza ekuzuzeni usebenzisa amakhadi okukhokha ka izinhlaba nokudluliswa olungaphelele ingozi kwinhlangano.

Ungase futhi uqaphele ukuthi uma-non-amasevisi kufanele kube izinga noma ikhwalithi embi ethengwayo umthengi kungaba ufune imali yakho emuva ezinsukwini ezingu-180. Inqubo lokusula ngokuthi Khokhisa, futhi ukunciphisa okuvela Ezimweni ezinjalo, amakhadi nabalawuli nqumela uhlelo inhlawulo ku nabasabalalisi izimpahla noma amasevisi. Level ovumelekile ukwehluleka kusistimu Visa Ikhadi 2%, futhi MasterCard - hhayi ngaphezulu kuka-1%.

Uxhumano la masevisi kungase kuhlinzekwe kokubili amabhange kanye zokucubungula inkokhelo, nimbize kwazeke ukuthi yamanani nemibandela kwalezi zikhungo ezimbili zezimali cishe okufanayo.

Izinkokhelo ze ngezidingo, ukukhokhelwa mayelana nokuxhumana mobile, ukudluliswa kweemali - lokhu kuyinto uhlu ongaphelele amathuba anikezwa olutholayo. Kusho ukuthini ngoba umuntu ngamunye, ungakwazi ukuqonda ngaphandle incazelo - balahle emigqeni, ukuqaliswa kwe ukuthenga nganoma isiphi isikhathi sosuku nokunye. Singasho ukuthi le nqubo - kwenye yezingxenye of umphakathi athuthukile ngokuya kwezomnotho kanye lobuchwepheshe.