Iikhompyutheni zekhompyutheni zitshintsha indawo yokuHlola kunye neKhadi
Uninzi lwabathengi basebenzise iintlawulo ze-ACH, nangona bengaziqhelani negumbi lobugcisa.
Xa abaqeshi behlawula umvuzo ngokusebenzisa idiphozithi ngqo okanye abathengi bahlawula iindleko ngekhompyutha ngokujonga i-akhawunti , inethwekhi ye-ACH mhlawumbi ijongene nale ntlawulo. Ngokutsho kwe-NACHA, uMbutho weeNkcazo we-Electronic Payment emva kwenethiwekhi ye-ACH, iintlawulo ezingaphezulu kwezigidi eziyi-25 ze-ACH zenziwe ngo-2016.
Isiseko se-ACH
Iintlawulo ze- ACH zigqithiselwa ngogesi kwi-akhawunti enye yebhanki enye. Ukusetyenziswa ngokuqhelekileyo kubandakanya:
- Umthengi uhlawula umnikezeli wesevisi.
- Umqeshi ubeka imali kwiakhawunti yokujonga yomqeshwa.
- Umthengi uhambisa imali kwibhanki enye ukuya kwelinye.
- Ibhizinisi lihlawula umthengisi weemveliso.
- Umhlawuli-ntlawulo uthumela imali kwi-IRS okanye kwimibutho yasekuhlaleni .
Ukugqiba iintlawulo, umbutho ocela ukuhlawulwa (nokuba ufuna ukuthumela imali okanye ukufumana imali) kufuneka ufumane ulwazi lwe-akhawunti yebhanki ukusuka kwelinye iqela elibandakanyekayo. Ngokomzekelo, abaqeshi bafuna abasebenzi basebenzise idiphozithi ngqo ukuba banike iinkcukacha ezilandelayo:
- Igama lebhanki okanye imanyano yemali efumana imali
- Uhlobo lwe-akhawunti kule bhanki (ukujonga okanye ukugcina)
- Inombolo ye- ABA yebhanki yebhanki
- Inombolo yeakhawunti yommkeli
Ngolwazi, inkokhelo ingadalwa kwaye ihanjiswe kwi-akhawunti echanekileyo. Iinkcukacha ezifanayo zifuneka ukuba zenze ukurhoxiswa kwangaphambili kumagosa amakhasimende.
Iintlawulo ze-ACH ziqhelekileyo ngekhompyutha ukusuka ekuqaleni ukuya ekupheleni. Kodwa ngamanye amaxesha iphepha lokuhlola liguqulwa kwiintlawulo zekhompyutha , kwaye imali ihamba nge-ACH.
Iinzuzo ezijikelezileyo: Iintlawulo zekhompyutha ziyaziwayo ngezizathu ezininzi.
- Ngenxa yokuba zikhompyutheni, iintlawulo ze-ACH zisebenzisa izibonelelo ezimbalwa kuneendlela zokuhlola zamaphepha. Akukho mfuneko yephepha, i-ink, ipetroli yokuthutha iisesheke, ixesha kunye nobasebenzi ukuphatha nokubeka iitshekishe, njalo njalo.
- Ukuthengiswa kwe-elektroniki kwenza kube lula ukugcina umkhondo weengeniso kunye neendleko. Ngayo yonke intengiso, iibhanki zenza irekhodi yekhompyutha. Izixhobo zokuphatha imali kunye nokuphathwa kwezemali zikwazi ukufikelela kuloo mlando wokuthengiselana.
Kutheni amaBhizinisi afana nee-ACH Iintlawulo
Amashishini azuza ngokuthumela nokufumana imali nge-ACH.
Elula ukujongana: Xa abathengi bahlawula ngetshekhi, amashishini kufuneka alinde ukuba i-imeyile ifike, kwaye ke kufuneka ukuba ifake isheke kwibhanki. Iintlawulo ngamanye amaxesha zilahleka, kwaye ukungena kwezo ntlawulo kwindlela yokugcina irekhodi kubasebenzi. Iintlawulo zekhompyutheni zifunyenwe ngokukhawuleza kwaye zinokuthenjwa, kwaye akukho mfuneko yokudlulisa ukuhlola kwibhanki kwaye ulinde iintsuku ezimbalwa ukufumana ukuba yiyiphi iitshekhi ezithatyathwa .
Ixabiso elincinci kuneplastiki: Kuba ishishini elwamkela intlawulo ngekhadi lesikredithi, lithengisa ngaphantsi ukucwangcisa i-ACH ukudluliselwa kuneendleko zokuthatha inkokhelo yekhadi lesikweletu.
Ngokukodwa xa kuqokelela iintlawulo eziphindaphindiweyo, ezo ndolozo ziyakongeza, kwaye ukuzenzekelayo ezo ntlawulo zandisa kuphela iinzuzo. Nangona kunjalo, i-ACH ayinakukunika ixesha lokwenene lokuvuma / ukuphika impendulo njengendlela yokugcina ikhadi lekhredithi.
Iintlawulo zexesha elide: Amashishini angamkela iintlawulo nge-ACH kude, nangona kunjalo kunjalo nakumakhadi-mboleko. Ukuba abathengi bakho abanamakhadi-mboleko okanye abanqwenela ukuthumela ulwazi lwabo lwekhadi rhoqo, i-ACH inokunika isisombululo.
Ukuze ufumane ingcaciso epheleleyo malunga ne-ACH ekusebenziseni ishishini, bona i- ACH Processing Basics
Kutheni Abathengi Banjengokuhlawula nge-ACH
Abathengi banokuzuza kwiintlawulo ze-ACH.
Iintlawulo ezilula: Akukho mfuneko yokubhalela ukuhlola, ukulungiswa kwakhona kwakhona xa uphuma, kwaye ufumane iisesheke ngeposi ngexesha. Akukho zintlawulo ziya kufakwa kwiikhadi lamatyala-imali ivela ngqo kwi-akhawunti yebhanki.
I-Autopilot: Ukuba usebenzisa iintlawulo ze-ACH ezizenzekelayo, abathengi akudingeki ukuba bagcine iso kwi-bill-okanye benze nantoni na. Kuba bhetele okanye ngakumbi, yonke into ihamba ngokuzenzekelayo.
Funda kabanzi malunga nokuba kutheni abathengi basebenzisa i-ACH. Bona i- ACH Debit yabathengi .
Indlela yokufumana iACH Iintlawulo ezivela kubaThengi
Ukwamkela iintlawulo nge-ACH, uya kufuneka udibana nomprojekthi yokuhlawula. Usenokuba sele ulwalamano nomnye-awuyikusebenzisa isevisi ye-ACH okwamanje. Iiprogram ezininzi zokuhlawula iyakunceda ukuba uthathe iintlawulo ze-ACH, ngoko uhlawulela ukuthenga ngeenxa zonke owenza oko kanye.
Qala ngokubuza ababoneleli bakho benkonzo ukuba bakwazi ukuphatha iintlawulo ze-ACH kuwe:
- Ibhanki apho ugcina i-akhawunti yakho yebhanki
- Inkampani eyenza ikhadi lesikweletu (okanye enye) iintlawulo kuwe sele sele
- I-software yakho yeprojekthi yeprogram-ethandwa kakhulu ikuvumela ukuba wenze ii-invoyisi kwaye wamukele iintlawulo nge-ACH
Abaqhubi bentlawulo entsha bayangena rhoqo kwimarike, kwaye banokuba ngabafanelekileyo kumashishini amancinci afunekayo kuphela ukwenza iintlawulo ezingapheliyo ze-ACH. Umzekelo, i-Plooto ikuvumela ukuba uthumele okanye ufumane iintlawulo eziqala kwi $ 1.00 nganye, kwaye akukho ntlawulo yenyanga. Amashishini amakhulu angakhokhela ngaphantsi kweyo-ACH, kodwa inokuhlawuleka ukuba unayo nje into encinane yokuthengiselana nyanga nganye.
Ingaba ibiza malini?
I-ACH iyona khetho kumashishini nawaphi na ubukhulu. Ngokuqhelekileyo uya kuhlawula ngaphantsi xa unemiqulu ephezulu, kodwa kunjalo okufanayo kwiintlawulo zekhadi lesikweletu. I-NACHA ibonisa ukuba iindleko eziqhelekileyo zijikeleze i-11 cents nganye. Kubamashishini amancinci, ababoneleli benkonzo banokuhlawulisa amaxesha amathathu ukuya kweetali (ubuninzi bentlawulo kuphela, ngelixa ezinye ziquka umrhumo wenyanga okanye uthathe ipesenti yentlawulo nganye). Ngokuxhomekeke kubukhulu besikiti samatriki, ezo ndleko zisenokuba zikhuphisana neendleko zokuhlawula iintlawulo zekhadi lokubhadela.
Qiniseka ukujonga umfanekiso omkhulu xa uvavanya ezinye iindlela: Akunakuhlawulwa nayiphi na into ukuba amkele iitsheki, kodwa yintoni i-tradeoff? Ukujongana nalabo bathengi kuthatha ixesha, kwaye imali mhlawumbi ayiyi kungena kwiakhawunti yakho ngokukhawuleza. Kwamashishini athile, njengabacebisi abafumana kuphela ityeki okanye ezimbini kwiinyanga kwaye kunye nokuphuma kwemali akuyiyo imbambano, kunokuba yinkxalabo kunokuba kulungele ukumisa i-ACH. Kodwa abanye bangaphuma phambili ngokudala ixesha elingakumbi ngosuku.
Iintlawulo ze-ACH zomntu
Njengomntu, ungathumela okanye ufumane iintlawulo nge-ACH ukuba ishishini okanye enye intlangano ingaphesheya kwintengiselwano. Umntu-ngqo kumntu Iintlawulo ze-ACH azinalo ukhetho, kodwa kulula ukuthumela imali kunye nomlamli obandakanyekayo.
I-apps-party party: Iinkonzo ezininzi kunye neenkonzo zokuhlawula zivumela ukuba uthumele imali kubangani nakwiintsapho mahhala. Ezi zixhobo zibonelela nge-front-end kwi-akhawunti yakho yasebhanki, kwaye bahlala basebenzisa i-ACH ukwenza iiphozithi kunye nokurhoxisa.
Iminikelo yebhanki : Ibhanki yakho okanye umanyano weentengo zemali unokufumana inkonzo yokuhlawula i-P2P evumela ukuba uthumela imali. Ezi nkonzo zinokuba yi-bhanki-branded, okanye zibe yinxalenye kaZelle okanye uPopmoney .
Ngelishwa, akulula kumntu ukuba atshaye i-punch ngolwazi lomntu webhange kwaye azalise ukudluliselwa. Ngokuxhomekeke kwinkonzo oyisebenzisayo, umntu othumele kuye okanye owamkelayo ukususela kungadinga ukuvula i-akhawunti kunye nomniki-nkonzo ukugqiba inkokhelo (okanye ubuncinane unikezele ngeenombolo zabo zebhanki kunye neenombolo ze-akhawunti kumnikezeli wesevisi).
Iintlawulo zeSuku ezifanayo
Iintlawulo ze-ACH zendabuko zihlala ezimbini kwiintsuku zoshishino ezintathu, nangona iiveki neeeholide zinganciphisa inkqubo. Kwimhlaba efunekayo yanamhlanje, loo nto iyanciphisa kakhulu-ngakumbi kwinkqubo yekhompyutha. Ngosuku olufanayo Iintlawulo ze-ACH ziqale ngo-2016, kwaye ukusebenza kuya kwandisa, ngoko ke kufuneka ulindele ukufumana iintlawulo ngokukhawuleza.