Kukho iindlela ezininzi zokuthumela imali ngekhompyutha, kwaye ukhetho olungcono luxhomekeke kwiimfuno zakho. Umzekelo, ukuthumela imali ngaphakathi eUnited States ayibuhlungu, ngelixa uthumela imali ngaphesheya kwelanga kufuna ukuba ukhethe kubanikezeli benkonzo abambalwa.
Uluhlu olungezantsi lubalaselisa ezinye zeendlela ezikhuselekileyo, ezilula, ezikhawulezayo, nezona zibizayo.
Iiprogram zeP2P neeNkonzo
Iinkonzo ezininzi zivumela ukuba wenze iintlawulo zakho kwi-intanethi mahhala xa udonsa imali kwi-akhawunti yakho yasebhanki. Amakhadi e-Debit, adibene ngqo kwi-akhawunti yakho yokukhangela , kaninzi ikhululeka. Nangona kunjalo, ukuba ukhetha ukusebenzisa ikhadi lekhredithi ukuze uhlawule intlawulo endaweni leyo, unokuhlawula imali encinci (ngaphandle kokuba usebenzisa iCash Cash).
Iinkonzo zokuhlawula yinto yokuqala yokukhetha ukuthumela imali komnye umntu kwi-intanethi. Kwiimeko ezininzi, umthumeli kunye nomkeli-mvume kufuneka babe ne-akhawunti kunye nomnikezeli wesevisi.
- I-PayPal yenye yeyona ndlela indala kunye neentlobo zentlawulo ezithandwayo. Ungasetyenziselwa ukuhlawula ukuthenga nge-PayPal (kwi-eBay nakwezinye iisayithi), kodwa iyanceda kwakhona kwiintlawulo zakho. Ininzi abantu obaziyo mhlawumbi sele benayo i-akhawunti ye-PayPal, ngoko abayi kudingwa ukubhalisela inkonzo entsha, ukuxhuma i-akhawunti yebhanki, okanye ukuza nephasiwedi entsha. Ukutshintshela kukhululekile xa bevela kwi-akhawunti yakho yebhanki okanye ibhalansi ye-PayPal.
- I-Venmo , ene-PayPal, insiza yokuhlawula yamahhala eyenza imali kwi-akhawunti yakho yasebhanki okanye kwikhadi lebhanki. Le nkonzo ithandwa ngokukodwa ngamashumi eminyaka, kwaye unokuquka imiyalezo kunye nentlawulo nganye.
- I-Cash Cash ikuvumela ukuba uthumele imali kwi-card nakwi-debit card ngokuthumela i-imeyile okanye ngokusebenzisa i-app. Ikhadi lakho lokubambisa liya kuhlawulwa (ngoko imali iza kuvela kwi-akhawunti yakho yokujonga ngokuchanekileyo), kwaye ummkeli wakho uya kufumana i-credit ekhadini lakhe lokubambisa. Ukutshintshwa kuthatha iintsuku eziliqela, kwaye akukho ntlawulo. Ukufumana iinkcukacha ezingakumbi, funda ukuhlaziywa kweCash Cash .
- I-Google Wallet idibaniswe ne-Gmail, kwaye ungathumela imali kuyo nayiphi na idilesi ye-imeyili mahhala (okanye ucele imali kwi-inthanethi). Abamkeli akudingeki ukuba babe ngabasebenzisi be-Google Wallet - banokungena kwi- akhawunti yabo ye- akhawunti yebhanki okanye inombolo yekhadi yemali xa befumana intlawulo. Ukuba usebenzisa ikhadi lokubambisa ukuze ufumane iintlawulo, i-credit ingabonakalisa emva kwemizuzu. I-Google inikezela nge-Android Pay, enokuba yinto engcono kubasebenzisi abathile.
- I-Facebook Messenger ikuvumela ukuba wenze okungakumbi kunokuthetha. Ungathumela imali kubangani bakho kwi-intanethi mahhala usebenzisa ikhadi lakho lokubambisa. Funda kabanzi malunga nokwenza iintlawulo kunye noMthunywa .
Iinkonzo zeBhanki zikwavumela ukuba uthumele imali kubantu abasebenzisayo kwi-intanethi, kwaye ezo nkonzo zibukeka zibukeka kwaye zivakalelwa njengezixhobo ezilapha ngasentla.
- Iintlawulo ze- P2P zihamba ngamagama ahlukeneyo, kodwa iibhanki eziliqela zisebenza kunye nePopmoney kunye nabaphiswano abafanayo ukulungiselela ukuhanjiswa. Ukwenza intlawulo ngomntu-mntu, ungene kwi-akhawunti yakho kwaye ubujonge "Iintlawulo zomntu," "P2P," okanye ukhetho olufanayo. Qiniseka ukuba uphando nayiphina imirhumo, kwaye khangela ukuba ummkeli wakho ufuna ukuba ne-akhawunti kunye nenkonzo yentlawulo. Kwiimeko ezininzi, ummkeli unako ukubonelela ngeenkcukacha ze-akhawunti yebhanki ukuba athathe intlawulo. Ukufumana iinkcukacha ezithe vetshe, bona indlela uPommoney athelekisa ngayo kwi-PayPal .
- Inkokhelo yebhilidi ye-intanethi yenye inkokhelo yeentlawulo zamahhala, kodwa ibhanki yakho iya kuprinta kwaye ithumele isheke kumntu. Ngenxa yoko, kuya kufuneka ulinde isheke ukuhamba ngeposi, kwaye umvuzo wakho uya kufuneka ukuba alinde iintsuku ezimbalwa emva kokufaka isheke phambi kokuba imali ifumaneke.
- Ukudluliselwa kwefayili kunokuhambisa imali kwi-akhawunti enye ukuya kwenye. Ixesha eliqhelekileyo libhekisela ekutshintsheni kwangoko kwi-akhawunti yebhanki enye, ngokuqhelekileyo ukuhlawula i-$ 35 okanye njalo. Kodwa iinkonzo zokudluliselwa kwemali (ezichazwe ngezantsi) ziifom zexabiso eziphantsi. Ukuba uthumela imali eninzi (ngaphezu kwama-maxim avunyelwe ziinkonzo okanye iinkonzo zokudlulisela imali njenge-Western Union) okanye uthumele phesheya, ukutshintshelwa kwetransdi yendabuko kungabi yinto oyifunayo .
Iinkonzo zokuTshintshela kweMali
I-MoneyGram, i-Western Union, kunye neenkonzo ezifanayo zinikezela ngokudluliselwa kwemali kwiindawo eziphathekayo iminyaka.
Ziyakuvumela ukuba ucele iintlawulo kwi-intanethi usebenzisa i-browser yakho okanye insiza. Ungathumela imali ngaphesheya kwee-US, kwaye ungathumela nge-intanethi kummkeli oza kuthatha imali ngemali.
Ezi ntlawulo zihlawulisa iintlawulo ezizithobileyo, ngokukodwa xa uthumela imali kwi-akhawunti yakho yebhanki okanye kwikhadi lokubambisa. Ukuxhaswa ngemali ngekhadi lesikweletu kunokukhetha, kodwa kuyabiza kakhulu , kwaye mhlawumbi ixabisekile kwimeko engxamisekileyo.
Ukongezelela ekuhleleni iintlawulo kwi-intanethi, iinkonzo zokudlulisela imali zineendawo eziphathekayo (ngokuqhelekileyo kwiindawo zokugcina impahla okanye kwidesksi zesevisi kumakhasimende), okanye ungathetha nomnye umntu kwifowuni.
Funda kabanzi malunga nendlela kunye nexesha lokusebenzisa iWest Union (kwaye xa kungenjalo).
Thumela imali ngaphesheya
Uninzi lwezikhetho ezichazwe ngasentla likuvumela ukuba uthumele imali kumazwe angaphandle kunye nokuthumela ekhaya:
- PayPal
- uwestern Union
- MoneyGram
- Ibhanki yakho (ngokuqhelekileyo isebenzisa ukutshintshela i-wire )
Nangona kunjalo, ungakhetha inkonzo eyenzelwe ngokukodwa ukudluliselwa kwamanye amazwe. Ezi nkonzo zinokusebenza kwiindawo ezininzi okanye, ngokuxhomekeka kwiimfuno zakho, zingabibizi.
Izikhetho ezimbini ezidumileyo ezidluliselwa ngaphandle kwee- Xoom kunye neTravelex , nangona kukho abanye ngokuqinisekileyo. Njengoko uphando, khetha ngokuqinisekisa ubungqina beenkonzo zokudluliselwa kwemali oziqwalaselayo. Emva kokuba ukhululekile ngeendlela ezimbalwa zokukhetha, qhathanisa iimpawu ezinjenge:
- Intlawulo yokutshintshisana oyifumanayo
- Kubiza kangakanani ukuthumela nokufumana imali
- Okukhethwa kukho ukubiza imali leyo (ngaba ummkeli wakho uya kukhetha ukuba imali ihanjiswe kwi-akhawunti yebhanki, ihlawulwe ngemali, okanye ilayishwe ekhadini lokukhokha?)