Ukukhokha izimpahla nezinsizakalo ezitolo ngaphandle kwemali yemali sekuye kwaba yindawo evamile kubantu abaningi banamuhla. Lezi zinsizakalo ze-cashless zokuhlala azifaneleki kuphela abanikazi bamakhadi ebhange, kodwa nabanikazi bezinhlangano zezohwebo, ngoba kunezinzuzo eziningana. Kuyini - ukuzuza futhi yiziphi izinzuzo zayo ozinikezelayo.
Ukuzuza kanjani umsebenzi?
Kuyini ukuhweba okuthola futhi ukuthi kusebenza kanjani akuwona wonke umuntu owaziyo. Leli gama liqondwa njengendawo yokuhlala engenasisindo esitolo, okungukuthi, ukukhokha kwezimpahla ezingekho ngokwezimali, kodwa ngekhadi lebhange. Kusukela esiNgisi, leli gama lihunyushwe ngokuthi "ukuthengwa" - ukubhala imali kwi-akhawunti yokuthenga izimpahla noma amasevisi anikeziwe. Le nqubo yenziwa ngokusebenzisa i-terminal ekhethekile.
Ukuthola - izinzuzo nokuqhafaza
Lolu hlelo luzuzisa umphakathi wanamuhla. Siphakamisa ukuthola ukuthi yiziphi izinzuzo zokuthola. Abaningi babiza izinzuzo ezinjalo zokuthola:
- Ukwandisa ekudayiseni - ngokusho kwezibalo, ngemuva kokufaka ukuphela okukhethekile esitolo noma isikhungo sokuthenga, ukuthengiswa kwezokuthengisa kwanda ngamashumi amabili noma ngisho namashumi amathathu.
- Ukutholela amakhasimende - umthengi ongabhekene nakho akudingeki athathe imali enkulu naye, udinga nje ukuba nekhadi lebhange futhi wazi ikhodi yayo yephini.
- Izimo ezithandekayo zabanikazi - ukubambisana nebhange elizuzayo kunikeza ithuba lokuba yingxenye yezinhlelo ezikhethiwe.
- Ukuvikeleka kwezimboni - uma ufaka isiphetho esikhethekile, kungenzeka ukuthi uthole amanothi angamanga.
Akusikho okuningi, kodwa ukuzuza kunemiphumela emibi:
- Izinkinga ku-terminal.
- Isidingo sokukhumbula ngaso sonke isikhathi ikhodi yephini, ngaphandle kwalokho okungenakwenzeka ukuthenga.
- Ukungakwazi ukuthenga ezindaweni lapho imishini engekho khona.
Ukuthola - Izinhlobo
Kuyinto evamile ukuhlukanisa izinhlobo ezinjalo zokuthola:
- Ukuhweba kuyisevisi amabhange anikezela ekuthengiseni. Ngosizo lwaso, umninimzi ngamunye wekhadi angeke akhokhe ama-banknotes, kodwa ikhadi lebhange. Kungcono kokubili abathengi kanye nezinhlangano zokuhweba.
- Ukuthola i-intanethi kufana kakhulu nokuhwebelana, kodwa akukho oxhumana nabo phakathi komdayisi nomthengi, ngoba konke ukuthenga kwenziwa kwi-intanethi.
- Imfono - yenziwa ngefoni ephathekayo. Siyabonga, ungakwazi ukukhokhela ukuthenga namasevisi ngaphandle kokushiya imoto.
Yini i-Inthanethi etholakele?
Ngomuntu wanamuhla, ukuthengwa kwe-intanethi sekujwayelene, ngoba kulula kakhulu. Ukuze uhlele umkhiqizo noma isevisi, akudingeki ukuba uphume futhi uchithe isikhathi sakho ukucinga izinto ezidingekayo. Konke kungenziwa emoyeni okhululekile ngendebe yekhofi elimnandi. Ukuchofoza kwegundane ezimbalwa nje kuphela, futhi umyalelo usuqedile. I-intanethi-ukuzuza ukukhokha okungewona ukheshi lapho kungekho buhlobo phakathi komdayisi nabathengi.
Ukuthola ukuhweba - kuyini?
Kubantu abaningi banamuhla baye baba indawo evamile ukukhokha ezitolo ngekhadi lebhange. Ukuthola ukuhweba kuyisevisi yebhange lokuthola inhlangano yezohwebo, ngenxa yokuthi umhwebi unethuba lokukwamukela amakhadi amakhasimende njengokukhokha kwezimpahla ezithile namasevisi. Okusho ukuthi, uhlelo olunjalo lapho ikhasimende lithintana nomthengisi futhi ngesikhathi esifanayo likhokhela ikhadi lakhe elibizwa ngokuthi ukuhweba ukuthola.
Ukuthola imfono - kuyini?
Okunye okuhle kakhulu ukuphela kwesiguli sendawo yokukhokhela okungewona ukheshi kuyindawo yokugcina ye-POS yeselula. Ngosizo lwalesi divayisi kuyisiko ukwenza ukutholakala kweselula. Lesi sibulali ngumfundi wekhadi oxhuma kwi-smartphone ngesicelo esifakiwe. Ikuvumela ukuthi usebenze nezinhlelo ezinkulu zokukhokha - Visa, MasterCard. Ukukhokha okunjalo okungewona ukheshi kunezinzuzo eziningi:
- ukuhamba komsebenzi;
- Ukufinyelela amahora angu-24 kuma-akhawunti akho asebhange;
- intengo yezinto ezingabizi;
- ukuphepha kwezindawo ezingekho imali.
Indlela yokuxhuma ukuthola?
Ukuze uxhume ukuzuza, udinga ukuphetha isivumelwano nebhange elinganikeza insizakalo enjalo. Isikhungo sezezimali sizoxhuma leli phutha kumasevisi okukhokha eyaziwa emhlabeni wonke. Mayelana nezinsizakalo ezinikeziwe, ibhange lizothatha ikhomishana, ezokwehla ngokuya ngokukhokhwa kwemali ngenyanga yenkampani. Ngesikhathi esifanayo, izikhungo zezezimali zisiza abasebenzi bezinhlangano zokuhweba ukuba baziqonde kahle uhlelo lokuqashwa kwe-cashless. Amabhange ahlinzeka ngempahla yokuhlola ukuze ahlole zonke izikhohlisi zenqubo yokukhokha nge-elektroniki.
Funda imithetho yokuthola futhi uxhumane nensizakalo kanye nabanikazi besitolo se-intanethi. Ukuze wenze lokhu, kudingeka futhi ukhethe ibhange bese uphetha isivumelwano nalo. Khona-ke kuyokwazi ukukhokhisa umthumeli ohambisa izimpahla ukuze athole ukukhokha usebenzisa imishini ekhethekile yokuthola, noma amakhasimende azokwazi ukukhokha nge-interface ekhethekile yewebhu. Amanye amabhange akakhokhisi ikhomishoni ezinyangeni zokuqala zokusebenzisa le nsizakalo.
Imali etholakalayo
Ukuhlala okungenasidingo kuyinto elula kakhulu kuphela abathengi banamuhla, kodwa futhi nezinhlangano zezohwebo. Ukuthola amasevisi kusiza ukwandisa ukuthengisa ngamashumi amabili, futhi kwezinye izimo ngamaphesenti angamashumi amathathu. Isici sengqondo sidlala indima ebalulekile lapha, ngoba umuntu ubala ikhadi futhi akudingeki ukubala izikweletu futhi alondoloze. Lokhu kuyiqiniso ngokukhethekile ukukhokhela izimpahla kanye nezinsizakalo kwi-Intanethi, lapho kungekho khona into enjengokheshi. Ngenxa yokubala okunjalo, ukudayiswa kwezimpahla namasevisi kuyanda.
Indlela yokwandisa inzuzo ngokuthola?
Kunezindlela lapho uhlelo lokuzuza lungakhuphula ijubane:
- Izipho nokukhushulwa kuyisinyathelo sokumaketha esiqukethe izipho noma ukudonsa izipho kubanikazi bamakhadi.
- Amakhadi wesikweletu - ezinye izinhlangano zokuhweba zisebenzisa amakhadi abo ngezaphulelo.
- Ukukhokha kwezenhlalo ngamakhadi ebhange.
- Ukuhlukaniswa kwamaphuzu okudayiswa - kwelinye lala maphuzu kukhona kungenzeka ukukhokha ngokheshi, futhi kwenye ungakhokha kuphela ngamakhadi asebhange.
- Ukwenza izenzo ezihlangene nebhange.
Izinhlobo zokukhwabanisa ekutholeni
Kulula kakhulu ukuvimbela inkinga, kunokuba ufune izindlela zokuxazulula. Abasebenzi bamabhange benza konke okusemandleni ukuqinisekisa ukuthi izinkokhelo ezingekho kwemali ziphephile futhi zilungele kokubili abanikazi bamakhadi nezinhlangano zokuhweba. Kodwa-ke, abakwa-scammers ngezinye izikhathi baphatha ukukhwabanisa futhi basebenzise izici zokuzuza ngezinhloso zabo siqu. Kunezinhlobo ezinjalo zokukhwabanisa ekutholeni:
- Ukweba ikhodi yephini . Kukhona amacala lapho incwadi ifika kokuthunyelwe komnikazi wekhadi ngesixhumanisi kwiwebhusayithi yebhange. Ukudlula lesi sixhumanisi, umuntu uzitholele ikhophi yokukhokha yewebhusayithi yebhange futhi wangena ikhodi yakhe ye-PIN ensimini ekhethekile, "eyayifundwa" futhi kamuva isetshenziselwa ukweba imali.
- Shayela kusuka "kummeleli" webhange . Ezingxoxweni ezinjalo zocingo, umnikazi wekhadi angase abe nesithakazelo kwikhodi yephini yekhadi noma impendulo kumbuzo oyimfihlo. Ngenxa yalolu lwazi, abakwa-scammers bangakwazi ukuthola izimali.