Ukuchaza i-Chargback
Yiyiphi imali yokuhlawula imali? Ukutshintshwa kweetyala emva kokuhlawulwa kwentlawulo kubuyiselwa kumthengi kwiakhawunti yomthengisi.
Iintlawulo zentlawulo mhlawumbi zidume kakhulu ekuthengweni kwekhadi lesikweleti, kodwa ziya kusetshenziselwa ezinye iintlobo zokuhlawula, kuquka:
- Ukuthengwa kwekhadi lokuthenga
- Intlawulo ezenziwe ngeenkonzo zokuhlawula ( PayPal , Square, nabanye)
- Iimpawu zebhanki zekhompyutha
Iintlawulo zinikela ukukhuselwa kwabathengi: abathengi bathembisa ukuba abayi kuba nexanduva ukuba i-akhawunti yabo inemisebenzi yobuqhetseba, kwaye banokukwazi ukuguqula iindleko xa benganelisekanga ngemveliso okanye inkonzo.
Iintlawulo zentlawulo kufuneka zisetyenziswe nje njengesigqibo sokugqibela; Iibhanki kunye neenkonzo zokuhlawula zikhuthaza abathengi ukuba baqhagamshelane nabathengisi, nokuba ngaba ngumthengisi uthengisa iimpahla, ishishini le-intanethi, okanye umnini-nkonzo, ukuzama ukulungisa iziphene kunye neengxabano. Kodwa ukuba akukho mvumelwano ifikeleleke, abathengi bangasebenzisa ukukhuselwa komthengi okanye iinkqubo ezifanayo, ezinamandla amakhulu kunabathengisi.
Iziphumo zoshishino
Ukuba uqhuba ishishini, ukuhlawulwa ngokugqithisileyo kunokudala ezinye iingxaki zangempela:
Ingeniso ye-Zero: Ingxaki enkulu kukuba awuhlawulwa xa i-chargeback ihlawula i-akhawunti yakho yomrhwebi. Uhlawulwe ukuhlawula iimali zokucwangcisa ukuthengiswa kwekhadi lesikweletu, kodwa ugqityiwe ngenkokhelo yerhafu evela kumthengi onombuzo. Usenokuba unikezele ngempahla okanye iinkonzo, ngoko ulahlekelwe yimpahla okanye ixesha elixabisekileyo.
Idumela elibi: Iintlawulo zentlawulo zenzeke kuwo wonke umntu, kodwa awufuni ukuhlakulela udumo. Ukuba ishishini lakho liyabona amaninzi amaninzi, iintlobo zokuhlawula iintlawulo zinokuzibuza ukuba ishishini lakho lisebenzisa ngokunokwenzeka abathengi okanye benze into yokukhwabanisa. I-akhawunti yakho yomrhwebi inokuvalwa, okanye unokufuneka uhlangabezane neendawo eziphezulu kunye nexesha elide kwiimali zakho.
Iindleko: kuya kufuneka ukuba uhlawule izigwebo xa iifowuni zentlawulo zibetha i-akhawunti yakho yomrhwebi. Ingakumbi, awupheli nje kuphela i-inventory okanye ixesha elichithwe kulo msebenzi. Ukhupha naziphi na iindleko ezongezelelweyo ezihambelana nokuzalisekisa umyalelo, njengokuthumela iirhafu.
Ikhono lokubuyisela iziTyala
Kutheni abathengi banako ukutshintsha iindleko? Ikhono lokwenza njalo livela kwimithombo emininzi kwaye kuxhomekeke kwimeko, uhlobo lokuhlawulwa esisetyenzisiweyo kunye nesizathu sokucela isicelo sokubuyisela imali. Ngeemakhadi zetyala, ukuhlawulwa kweentlawulo kugunyazisiweyo yiNyaniso kuMthetho Wokuboleka okanye izivumelwano zokucwangcisa amakhadi.
Ngamakhadi e- debit , ii-chargebacks zivunyelwe phantsi kwe- Electronic Funds Transfer Act . Nangona kunjalo, kunye namakhadi e-credit and debit, iprojekthi yokuhlawula inokuthi ibe nemithetho eyongezelelweyo evumela ukuhlawulwa kwemali, kwaye loo mithetho ithambekele ekukhuseleni abathengi ngaphezu komthetho we-federal (i-Visa ne-Mastercard yamakhadi e-debit okanye "imigaqo-mboleko", umzekelo ).
Xa kuziwa kwiinkonzo zentlawulo ezifana ne-PayPal, i-Google Wallet kunye nabanye, ukuhlawulwa kweentlawulo kukufumana nzima. Ezi nkonzo zinokuthi zinikeze "uhlobo lokukhusela umthengi" olufana neenethiwekhi zokucwangciswa kwamakhadi wesikweletu, ngaphandle koko abathengi banokungafuni ukuzisebenzisa ezi nkonzo.
Iintlawulo ngeenkonzo zixhaswa ngemali ngamakhadi-ngetyala, amakhadi okukhawuleza, kunye ne-akhawunti yebhanki, ngoko ke abathengi bacela ukuhlawula imali ngebhanki okanye kwinkonzo yokuhlawula. Umthengi akayi kuqalisa ukuhlawula imali kunye nomthengisi.
Amanethiwekhi amakhadi eemboleko kunye neentlawulo zentlawulo kubonakala enesihawu kubathengi. Izizathu eziqhelekileyo zokuhlawulwa kweentlawulo ziboniswa ngezantsi.
- Umthengi wahlawuliswa ngaphezu kweyodwa
- Umthengi akaqapheli iirhafu
- Iimpahla ezithunyelwayo azizange zilandelwe izinto
- Umrhumo uvumelekile, kodwa iimpahla azizange zifike
- Imbuyiselo ayizange ilandwe ngumrhwebi
- Umgangatho weempahla awunelisekanga
Inkqubo yokuBala
Inkqubo yokubuyisela iqala ngesikhalazo somthengi. Abathengisi bayakwazisa ibhanki yabo ukuba kukho ingxaki ngokuthengiselana kwiakhawunti yabo. Ukuze kube lula, "ibhanki" ithetha ukuba ibhanki yabathengi, ibhanki ekhupha amakhadi okanye inethiwekhi yamakhadi, okanye umboneleli wenkonzo yokuhlawula. Kwiingxabano ezininzi, umboleki unikeza inkcazo ebhaliweyo yenzeke kwaye naluphina ubungqina obukhoyo.
Ngokuxhomekeke kwiimeko, imali ingabinwa kwiakhawunti yomthengisi okanye ihlawulwe kwiakhawunti yabathengi.
Amabhanki aze aphenye, adibanise nayiphi na ababambisene ababandakanyekayo kwintengiselwano, kwaye bacele ulwazi kumrhwebi owenza loo ntlawulo. Umrhwebi unethuba lokunika ubungqina bokuba ihlawuliso iyasebenza kwaye ukuba umrhwebi wadibana nesiphelo saloo nto, ukuba iyasebenza, kwaye ibhanki iyakugqiba ukuba ngubani oya kuqhuba.
Isiqalo sokuthintela
Indlela efanelekileyo yokujongana nokuhlawulwa kweentlawulo kukuthintela kwindawo yokuqala. Ngokuqhelekileyo ishishini lakho lijongwa "unetyala uze uqinisekiswe ungenacala," kwaye akusiyo isikhundla ofuna ukuba ungene kuyo. Ungakuphepha njani ingxaki?
Ukuthetha: Abathengi abayithandi imimangalo engathandekiyo, ngoko-ke yibani phambili malunga nantoni na enokubangela umthengi ongenakonwaba. Chaza ngokucacileyo nangokunyanisekileyo imveliso okanye inkonzo yakho, kwaye ufake imifanekiso enemifanekiso.
Ukuba kukho into engalunganga, njengokulibaziseka ekuthumeleni, umzekelo, xelela umthengi wakho ngokukhawuleza. Ukuba abathengi bayabiza okanye babhale ngemibuzo okanye izikhalazo, phendula ngokukhawuleza. Abathengi basebenzise ukuhlawula xa beziva bengenamandla, ngoko musa ukubenza bazive ngaloo ndlela.
Gcina iirekhodi ezilungileyo: Ukuba ukuhlawulwa okungekho sikweni kuhlawula i-akhawunti yakho, qiniseka ukuba unokuvalwa kwimeko. Gcina naluphi na ubungqina bemiyalelo ezalisweyo kuquka iirisithi, ii-invoyisi, iimpepha zokuthumela kunye neziqinisekiso, amashinitsha, kunye nee-log logs. Ngamanye amaxesha abathengi bayalibala ukuba bawisela umthetho kuwe, kwaye ubonisa ukuba ubungqina bucoca izinto ngokukhawuleza.
Khetha ngobulumko indlela igama lakho eliboniswa ngayo: Xa abathengi bebona ukuthengiselana kwimbali yabo yeakhawunti, ngaba bayazibona ishishini lakho? Qinisekisa ukuba igama elivela kwizitatimenti zebhanki lifana nomthengi acinga ukuba athenge kuyo. Ukuba uthengisa iikomishi zekhofi, igama elihle lingaba yi "Acme Coffee Mugs," kodwa "i-Acme Enterprises" iya kubangela ukuhlawulwa kwamatyala amaninzi. Faka inamba yakho yefowuni kwakhona ukuba kunokwenzeka.
Qaphela: Unokucinga ukuba nayiphi intengiso kukuthengiswa kakuhle, kodwa oko kuyinyaniso kuphela xa kuthengiswa ngokusemthethweni . Musa ukwenza kube lula ukuba amasela athenge isitolo sakho. Iimyalelo zekhadi lesikweletu, zifuna iikhowudi zokukhusela kunye needilesi zokuqinisekisa.
Ukuba i-oda ibonakala ilungelelanisa, njengomthengi omtsha ovela phesheya, kwaye ngokukhawuleza umthengi wase-overseas ubeka umyalelo wokukhawuleza, uthathe umzuzu owongezelelweyo ukuphonononga umthengi kwaye uqhagamshelane nomthengi. Ukongezelela, ukuba umntu ufuna iimpahla zithunyelwe kwidilesi engahambisani nedilesi yentlawulo yekhadi lokuthenga ngetyala, qaphela kwaye uphonononge ngakumbi.
Ngelishwa, awugcini nje ukusebenzelana namasela usebenzisa amakhadi ekhredithi ebiwe. Olunye uhlobo lokubuyisela imali, "ubuqhetseba obunobungqina," kwenzeka xa umntu esenza ukuthenga ngokusemthethweni, ufumana iimpahla, aze aguqule iindleko, ngenxa yokuba bayazi ukuba bangahamba nayo.
Ukuthintela ubuqhetseba obunobungane, izinto ezintle onokuzenza zigcina iirekhodi ezilungileyo ukuze ube nethemba lobungqina obunelungelo lokulwa nokubuyisela imali, kwaye usebenzise naziphi na izixhobo zokukhusela ezikhoyo kwi-akhawunti yakho yomthengisi.