Ukufumana: Amazinga yeebhanki. Izibalo kunye ngoncedo amakhadi zeplastiki

Ukufumana - na amakhadi ebhanki okuhlawulela iimpahla. Ukubonelela ngenkonzo, ibhanki simisela ekwi thengiso networks ezinjengeetheminali. Kwiminyaka yakutshanje, ukongeza izixhobo yebakala, ukwanda kwiitheminali ephathwayo mobile, ukuvumela ukwenza iintlawulo ngaphandle Ngokubhekiselele kwindawo ngendawo ye-ofisi. Yeyiphi divaysi okungcono ukukhetha nendlela ukuvula inkonzo, ufunde.

intliziyo

Ukusebenzisa le nkonzo, kuyimfuneko ukuba ukugqiba isivumelwano uzuza. It liya kupelwa elubala imiqathango yenkonzo, ubungakanani myalelo, ixesha imali, njalo njalo. D. Ukufakwa uqhagamshelo kwezixhobo, uqeqesho kubasebenzi simahla. Ezinye iibhanki anika ukuthatha irenti terminal. Lenkonzo ikuvumela eKFC ukunyusa inani kubathengi, ukujika mali, ukunciphisa iingozi ze iintlawulo eziziinkozo kunye neendleko yoqokelelo (ngesantya esiphezulu). Ngokutsho manani, ukusetyenziswa kwiitheminali kuvumela iibhanki ukuba ukutsala 20-30% kwabaxumi.

ngumba

amakhadi Ukwamkelwa iinkonzo intlawulo eRashiya sele umele ubukelwe iivenkile kunye namashishini. Kutshanje, ligqithise umthetho, njengoko ntoni le nhlangano na ukuthatha iplastiki, bohlwaywa ngenxa ne30-50 amawaka. Engange ngo-2015. Intlawulo Ukufumana itsala abatyeleli abaninzi (ingakumbi abakhenkethi).

I iphezulu isixa kwitshekhi, kungona kungenzeka ukuba umthengi akanayo imali eyaneleyo yokuhlawula. Xa icandelo zokutyela kunye neevenkile nesibalo uzuza ekhulayo. Kuphela ngo-2015 inani intengiselwano ngokusebenzisa amakhadi zeplastiki linyuke nge-18%.

Ngubani kubonakala nokufumana?

"Alfa-Bank" kunye namanye amaziko abolekisa ekukhonzeni abathengi ezintsha kunye nezo zikhoyo. Ubukho akhawunti ayikho yinto ebalulekileyo. Nje kuya kuba abathengi abatsha ukuba bangenise amaxwebhu amaninzi ukuba asayine isivumelwano.

ikhadi ukukhetha

Le sethi isezantsi kuquka amakhadi Visa kunye MasterCard. Ukuba inethiwekhi urhwebo ingqalelo inkonzo yabathengi evela kwii-arhente zikarhulumente, kufuneka kwakhona izakubanodibaniso nge Visa Electron, Maestro Izilwanyana Ivumele, MasterCard of Electronic. Kodwa isidlo sangokuhlwa Club, American Express, kwakunye Gold and Platinum ikhadi iibhanki afundisa kuphela abathengi esisityebi kunene.

Imigaqo yembuyiselo - iintsuku 1-3. Ukuba umbutho uvule i-akhawunti kunye uyinikezelwayo, imisebenzi zizonke, umnatha ikhomishini bedumisa ngosuku olulandelayo. Ukuba inkonzo engundoqo yaqhutyelwa komnye umbutho, ngoko ke iintlawulo zizodwa kuthatha omnye iintsuku ezintathu. Amanye amaziko zemali silindele ukuba imbuyekezo epheleleyo kwinkqubo uze wenze le nguqulelo. Ke magama anaba ezintathu - iintsuku ezintlanu. Ukuba abakwazi okanye abafuna ukuba ulinde, unako-odola i-processing intlawulo angxamisekileyo kwentlawulo engaphezulu.

Commission

Umvuzo zibalwe njengepesenti mali lokuthenga. Ubukhulu umiselwe womnatha ngasinye ngokwahlukeneyo kwaye kuxhomekeke kule mibandela ilandelayo: .. Sphere lomsebenzi, ixesha turnover avareji umsebenzi kwimarike, uhlobo lonxibelelwano, njalo yokufumana iKomishini kwakhona ixhomekeke njengabalamli. Ingqalelo ufumene ipesenti ethile (idla 1.1%) kutshintshelwa kwinkqubo yentlawulo, enye inxalenye - ebhankini elikhupha. Ngenxa ukhuphiswano aphezulu kumazinga kumyinge iibhanki yokufumana 'umqolo phakathi 1.5-4% yemali yingisela.

I elikhulu ukusebenza, incinci imali yenkonzo. Kuba abathengi kunye nengeniso esezantsi zinokubakho Intlawulo ngenyanga zokusetyenziswa kwefowuni. Into ebalulekileyo kwakhona indlela yokudlulisela ulwazi (intanethi okanye ngokuthunyelwa).

kobuchwepheshe

Indlela ukumisa ukuzuza? "Alfa-Bank" okanye kwelinye iziko lamatyala emva kokusayina isivumelwano nenkampani lomxhasi inika izixhobo ezikhethekileyo kunye software. Ukuza kuthi ga ngoku, sebenzisa POS-ezinjengeetheminali (Point Of Sale - «Point of Sale"). Esi sixhobo afunde iinkcukacha evela ikhadi kwaye enxibelelana elunxwemeni lomlambo. Ngekhompyutha ezi eqhelekileyo kunye wireless. Le yokugqibela zifaneleke ngakumbi xa Shicilela okanye zeposi. Devices ufunde i tape Imagnethi yomhlaba kunye neetshiphusi.

Ulwazi ebhankini zinokusasazwa nge:

• dial-up - kutshiphu, kodwa uxhulumaniso kuthatha imizuzu embalwa;
• GSM, GPRS - kudingeka intanethi;
• Ethernet, Wi-Fi - impendulo ngoko nangoko.

Kunye nonikezelo lwezixhobo yeebhanki kuqhuba abasebenzi uqeqesho, exelela abasebenzi ukusebenzisa ifowuni kwaye urhoxisele iintlawulo ngayo. Kwakhona unikwe tutorial ekhawulezileyo kwakumiselwa ifowuni xa kuyimfuneko. Nantsi indlela yokufumana.

uluhlu lwamaxabiso iibhanki

Loqhakamshelwano kunye nokuqwalasela izixhobo wesithathu inganikezelwa yiKhomishoni. Uncedo lokusebenzisa ezinjengeetheminali yebhanki kukuba xa breakage okanye ukukhutshwa kwezinto ezibengezelayo simahla. Kufuneka lusithathele ingqalelo phambi kokuba wenze ngaphandle uzuza. Ezi ntlawulo iibhanki ukunikeza "beminyango" ukusetyenziswa ikhadi. Umzekelo, ukuba isixa-mali nyanga ngaphantsi kwama-50 amawaka ngamnye. Thambisani., Ngamana ibe kubonelelwa le Khomishoni uhlobo yemali yesondlo entle okanye akhawunti.

Yenza inkonzo. Kodwa ngaphambi kokusayina isivumelwano yokufumana, kufuneka ufundisise ngenyameko izindululo yeebhanki. Xa ukhetha le iziko kufuneka uhlawule ingqalelo oko amakhadi abalisebenzisayo, ubungakanani myalelo, imiqathango ukuthunyelwa kwemali kunye nezinye iimeko.

Khawuve oko rates wanikela ezuza Sberbank. Kuxhomekeka umthamo ingeniso evela iimephu, ikhomishini inokwahluka kwi uluhlu 0.5-2.2% ye-mali. Umgangatho Iindleko yamaphupho neemali izixhobo 1.7-2.2 amawaka. Thambisani. ngalinye ngenyanga. Emva ugcwalisa software isicelo can be downloaded sayithi. Sberbank inikezela nabathengi ubuchule ukudibanisa kwi Internet-ukuzuza kwiimeko ngamnye. Kuba ukuphunyezwa kweenkqubo zolawulo isiqulatho ezikhoyo, kukho izisombululo eziliqela esele zenziwe.

iintlawulo intanethi

Internet ukufumana - a ulwamkelo amakhadi ebhanki ukwenzela intlawulo nge-Intanethi. Ukubonelela ngeenkonzo kumaziko ngetyala kunye namaziko processing usebenzisa ujongano okhethekileyo olwenza bamakhadi ukwenza iintlawulo kwi sites. Umahluko kuphela ukususela umgangatho yale nkonzo kukuba i data ayifundeki ikhadi umfundi, ndangena umhlawuli ngendlela ekhethekileyo.

mobile ithole

Savings Bank kunye namanye amaziko abolekisa ngemali kweli lizwe abangenzi kwakude kudala baqala ukusebenzisa engenazingcingo mPOS-ezinjengeetheminali. Kwi-West, ngenxa yale njongo ixesha elide unguye Square, PayPal, iZettle. kwakungekho analogue eRashiya: 2Can, LifePay. Ezi zixhobo zenzelwe koosomashishini, engarhafelwayo imali. Bona bafunda data evela ikhadi, ukugqithisela ukuba le app kwi smartphone yakho, tablet. Inkonzo izicelo imali, utsalela intlawulo kwaye ithumela idata ebhankini.

To connect kwi "VTB" Ukuzuza mPOS-ngokusebenzisa terminal, kufuneka unikezele ubungqina inkcenkce, bin, umalathisi yokundwendwela, isivumelwano lokuvula i akhawunti, umphathi ifoto ulinde iintsuku ezimbalwa. Ukuze inkonzo unit nganye ulingana ibhanki ethile. Xa uyinikezelwayo 2Can le "Russian Standard" yaye "Ukuvulwa". "Prombiznesbank" ne "Express-iVolga" yaye "Gazenergobank" LifePay nkonzo. "PrivatBank" iye iPay, "Alfa-Bank" - Pay-Me kunye "The Messenger" - SumUp.

Yeselula ibiza kakhulu ekufumaneni. Ezi ntlawulo kwiibhanki avareji 2.5-5% transaction nganye. Xa isixa-mali kunye nenani umbundu iphantsi maximum ihleliwe. Xa ekubaleni nokwanela kweenkonzo kufuneka ithathele ingqalelo into yokuba negalelo ekufumaneni abathengi nge-20-30%. Ukuze iindleko ukuze ugwetyelwe ngokupheleleyo.

Indlela yokwenza ukhetho?

Ukufumana iivenkile kuyimfuneko, ii-ofisi intengiso, kunye neendawo kuyo imali. Ingakumbi ukuba uthungelwano inani elikhulu iibhanki liphuhlise isisombululo epheleleyo - inkqubo, ukuphunyezwa kwe apho nokumanyaniswa koomatshini POS. Iinkonzo Delivery, nawamkela kuphela intlawulo, kodwa kwakhona ukunika itshekhi, kuyimfuneko ukudibanisa hybrid POS-ezinjengeetheminali. Ukuba mali incinane, abantu bahlawule nezithunywa imali. Mobile yokufumana elifanelekileyo inshorensi brokers ekufuneka ukwamkela intlawulo ngetshekhi ngaphezu avareji. Isambuku abasebenzisi mPOS-ezinjengeetheminali - a PI kunye neenkampani zabo imisebenzi enxulumene ulwamkelo iintlawulo ezingafanelekanga kulo mhlaba: iivenkile intanethi, iinkonzo zeeteksi kunye namashishini kwempahla, e-ekhaya, lwasekhaya, unyango kunye nezinye iinkonzo.