Kutheni amaBhizinisi asebenzisa i-ACH Processing
Isiseko se-ACH
Iintlawulo zeACH zihlawulwa ngekhompyutha. Iimali zihamba kwiakhawunti yakho yokukhangela kwiakhawunti yakho yebhishini, ngokubanzi kwiintsuku ezimbini zeentsuku zeshishini. Ukuba uyaqhelana ne "e-checks" okanye ukuhlawula ngokuphindaphindiweyo kwirekhodi evela kwi-akhawunti yokukhawula, mhlawumbi sele usubonile i-ACH kwisenzo.
Igama elithi ACH livela kwi-Intanethi yokuCoca iNtlu yeNdlu, ejongene nokusetyenziswa kwezi ntlawulo . Iibhanki (kunye neekhomputha zawo) zidibanisa ukuhambisa imali kwi-bhanki enye ukuya kwelinye, kwaye ininzi yalo msebenzi ayibonakali kumashishini nakubathengi.
Ukwamkela iintlawulo nge-ACH, amashishini kufuneka asebenzise i-akhawunti yomthengisi onokusingatha iintlawulo ze-ACH-ezininzi zazo zinako. Abathengi banikezela ngolwazi lwe-akhawunti yabo yokujonga ( inombolo ye-akhawunti kunye nenombolo yokuhamba ), kwaye le nkcazelo isetyenziselwa ukudala intlawulo.
Iinzuzo ze-ACH
Kutheni ukuba inkqubo yezoshishino ihlawulwe nge-ACH? Inzuzo eyintloko yindleko yokugcina imali, kunye neenzuzo eziza kunye nezinye iindlela zokukhokha ngekhompyutha.
Imirhumo ephantsi: I- ACH indlela engabizi kakhulu yokwamkela iintlawulo. Xa kuthelekiswa namakhadi-ngxowa-mali, u-ACH ukucwangcisa phantse uhlawule ngexabiso. Iintlawulo zibiza ixabiso elingaphantsi kwidola enye (mhlawumbi i-$ 0.25 ukuya kwi-0.55 yintlawulo nganye), nangona iindleko ziyahluka kumnikezeli kumniki-mboleko, kwaye kuxhomekeka ukuba ingahlawulwanga nokuba awuhlawulele intlawulo yenyanga.
Iimali zenyanga zijikeleze i-$ 10 ukuya kwi-25 ngeenyanga.
Kulula kumashishini: xa kubekwa intlawulo, akukho ncinane okanye akukho nyathelo efunekayo kwishishini. Abathengi banokungenisa ulwazi lwabo lokuhlawula, kunye neentlawulo eziqhubekayo ziyaqhubeka ziza kwikhompyutha emva kwenyanga. Akukho mfuneko yokuvula i-imeyile, isicelo seentlawulo kwiakhawunti elungileyo, kwaye ubeke iireki kwibhanki.
Izindlela ezahlukeneyo zokwamkela iintlawulo: amashishini angathatha i-ACH ngeendlela ezahlukeneyo. Abaxhasi banokubonelela ngeenkcukacha ze-akhawunti kwi-intanethi, kwifowuni kunye nommeli wenkonzo yabathengi, okanye kwifom yephepha elidala. Umntu nje ufuna ukufaka olo lwazi kwikhompyutha, kwaye inkokhelo ingenzeka.
Kulula kubaxumi: abathengi banokuzonwabisa nokusebenza kunye namashishini athatha iintlawulo ze-ACH. Esikhundleni sokuvula ibhilikhwe nyanga zonke, ukubhala isheke, ukufumana isitampu, nokufumana ibhilikhi ngeposi ngexesha, abathengi banokuzenzekelayo iintlawulo zabo. Ngokungafani nolwazi lwekhadi lesikweletu, olufuna ukuhlaziywa njengoko amakhadi aphelelwa yisikhathi okanye amanani e-akhawunti aguquka, ukujonga iinombolo zeakhawunti azifuneki ukuhlaziywa.
Iiphoso ezimbalwa: Iintlawulo ze-ACH zinokugcina iimpazamo ubuncinci. Iinkqubo zokuhlawula zizama ukuqinisekisa ukuba i-akhawunti ihlelwe ngokuchanekileyo, kwaye kufuneka kuphela ukuyibeka ngokuchanekileyo kanye kanye - emva koko, nayiphi na intlawulo eqhubekayo iya kwenziwa ngempumelelo, kwaye akukho nanye ithuba lokufumana iphutha.
Ukhuselekile kwaye ukhuselekile: iinkqubo zokuhlawula zikhuselekile ukusebenzisa kunye nokunciphisa ubuqhetseba-nangona ama shishini asoloko efuna ukubeka iliso kwiakhawunti zabo ngokugqithiseleyo kunokuba abathengi benze ngenxa yengozi eyongezelelweyo ngeakhawunti yezo shishino .
Ulwazi lufakwe nge-encrypted nayiphi nayiphi na into ehloniphekileyo yokubonelela ngenkokhelo, ngoko kunzima ukuba amasela athathe ulwazi lweakhawunti yakho okanye abathengi bakho. Ngaphezulu, akukho zikheki zihleli ngaphahla ukuze "zenzeke."
Imiba
Iintlawulo ze-ACH azikho i-100% epheleleyo. Ukuba unokufumana ixesha elingaphezulu kunemali (kunye nemida ephantsi), unokube ngcono xa uhlola. Kodwa iindleko ziphantsi kangangokuba kunzima ukucinga iingxaki ezininzi apho ibhizinisi linomlinganiselo onokubaluleka kwaye ayiphumeli phambili usebenzisa inkqubo yokuhlawula.
Gcina ukhumbule ukuba iintlawulo zekhompyutheni azikho msinya kwaye aziqinisekanga - ngaphandle kokuba ubhalisele (kunye nokuhlawula ngaphezulu) iinkonzo ezongezelelweyo. Njengekokhwe ekhohlakeleyo, intlawulo ye-ACH inokuguqulwa ukuba umthengi akanakho imali ekhoyo . Kwibala eliqaqambileyo, akunjalo lula kubaxumi ukuba baphinde bahlawule iintlawulo ze-ACH njengoko kufaka i-chargeback kunye nomnikezeli wekhadi lesikweletu.
Indlela Yokuqala Ukusebenzisa Ukucwangciswa kwe-ACH
Ukuba ishishini lakho likulungele ukuhlawula nge-ACH, ngumcimbi nje wokungena kunye nenkqubo yokuhlawula. Qala ngokubuza ibhanki yakho yangasese okanye umanyano weentengo zemali apho usukho uqhagamshelwano lwee-akhawunti . Ziyakwazi ukuhlawuleka ngenxa yemali onayo kwidiphozithi.
Iinkonzo ezininzi ze-intanethi zibonelela nge-ACH processing, kwaye loo magama alula ukufumana ngokukhangela okulula. Bonke banenzuzo kunye neqhayiya, ngoko kuya kufuneka ukuba uhlalutye umzekelo wenkonzo uze ukhethe lowo uhambelana nebhizinisi lakho elifanelekileyo. Khangela oku kulandelayo:
Isakhiwo sentlawulo : ngaba kukho iindleko zenyanga? Ukuba kunjalo, ngaba loo nto ibangela imali engaphantsi kwintlawulo kunomncintiswano? Ngokuxhomekeke kumthamo wokuthengiselana kwishishini lakho, fumana ukuba uza kuphula phi ngokuhlawula imali yenyanga.
Ezinye iinkonzo: unokuba usulungele ngaphezu kweentlawulo ze-ACH. Ngaba unamkela amakhadi ekredithi nge-akhawunti efanayo yomthengisi? Abaninzi abaprocesenti yokuhlawula banokukwenza zombini, kwaye banokubuthana ndawonye le nkonzo (ngoko uza kugcina imali xa ukwenza konke kunye nomnikezeli omnye). Ingaba umboneleli unikezela ngeenkonzo zokuqinisekisa ngetekiti , okanye ngaba baya kuqinisekisa ukuba iintlawulo azisoze "zenze"?