Unokuthembela kwezobugcisa kwizinga eliphezulu.
Ulwazi lwakho luvame ukutshitshiswa (okanye ukubetha) kwifomathi enzima ukufunda. Kodwa nangona usenza konke okulungileyo-nangakumbi, iiwebhusayithi ezihloniphekileyo-kunethuba lokuphulwa kwedatha okanye ukufunyanwa kwezithuthi. Kungenzeka ukuba inkathazo iphelile: into elula nje nge-keystroke logger inokubamba inombolo yakho yekhadi okanye iphasiwedi ye-PayPal.
Kubonakala kubalulekile ukugcina ifowuni yakho ikhuselekile kwaye isesikhathini, kodwa kuthekani malunga nendlela yokuhlawula oyisebenzisayo xa uthengela i-Intanethi - ngaba kunjalo?
Indlela Yokuhlawula Iinqununu
Ngokuqhelekileyo unokhetho xa kuziwa ekuhlawulelweni: ngaba uya kusebenzisa ikhadi lekhredithi, ikhadi le-debit, inkonzo yentlawulo efana ne-PayPal, okanye enye indlela? Ngokuxhomekeke kwiinkxalabo zakho, enye yezo zikhetho ingaba ngcono kunezinye. Makhe sijonge kwiingxaki kunye neengxaki zendlela yokuhlawula nganye.
Amakhadi aMatyala
Okulungileyo: ikhadi le-credit card lidla ngokukhetha ukuthenga i-intanethi. Ukukhuselwa ngonyango ngamakhadi a khredithi kunamandla, kwaye ukuhlawulwa kweendleko kuguqulwa kuhle kakhulu (nje xela umsebenzi osolisayo kumkhupheli wakho wekhadi okanye ubaxelele ukuba awuzange ufumane oko uhlawuleyo).
Akukho mali ephuma kwi-akhawunti yakho yasebhanki - ngumrhumo wekhadi lomthengi ochithwa. Ngethuba nje usebenza ngokukhawuleza, uxanduva lwakho lunokukhawulelwa kuma-$ 50, kwaye kwiimeko ezininzi awuyi kuhlawula nayiphi na inkohlakalo yokukhwabanisa.
Okubi: unokucinga ngekhadi lakho lesikweletu njengethuluzi lokuphila kwansuku zonke. Mhlawumbi uyisebenzise rhoqo kwiinkcitho zakho kunye nezoshishino, kwaye unakho ukuhlawula iindleko ezizenzekelayo okanye eziphindaphindiweyo ngekhadi.
Ukuba inani lakho lekhadi libiwe, uya kufuna ikhadi elitsha (kunye nenombolo yamakhadi), uya kufuneka uhlaziye ulwazi lwenkcazo kwiindawo ezininzi, kwaye unokufuneka uphile ngaphandle kwekhadi lakho ixesha elithile njengoko ulindele ukutshintshwa .
Iingcebiso: sebenzisa ikhadi lakho lekhredithi kuphela xa uqinisekile ukuba ukhuselekile ukwenza njalo kwaye xa ufuna ukukhuselwa kwabathengi abanamandla kunabo bonke. Ungakwazi kwakhona ukufumana inombolo yekhadi lesikweledu (ixesha elixhomekeke kumkhupheli wakho wekhadi) ekuthengeni i-intanethi, ngoko kuya kuba nzima ukuba inani lebiwe. Ekugqibeleni, cinga ukufumana enye ikhadi lekhredithi oyisebenzisayo kuphela kwi-intanethi (okanye kwiindawo ongazazi ngazo); unako ukugcina iliso elingakumbi kwi-akhawunti kwaye awuyi kuphazamiseka ukuba kufuneka udibanise inombolo yekhadi.
IiNkonzo zeNtlawulo
Okulungileyo: Iinkonzo zokuhlawula iintlawulo zenkampani yesithathu nazo zikhethwa kakuhle kwiintengiso ze-intanethi (i-PayPal yindlela ekhethiweyo yokukhokha, kodwa ezinye zikhona njengeGoogle Wallet). Ezi nkonzo zinokubonelela ngononophelo olongezelelweyo lokhuseleko: endaweni yokunika inombolo yakho yekhadi lesikweletu okanye ulwazi lwe-akhawunti yebhanki kwiwebhusayithi oyithengayo kunye nayo, unokuyigcina loo ngcaciso kwindawo enye (kunye ne-PayPal, umzekelo). Ukuba uthengisa kwiindawo ezininzi okanye iziza ongaqhelekanga ngazo, unokunciphisa inani leendawo abahlaseli bafumana ulwazi lwakho.
Ezi nkonzo zingabonelela ngamanqanaba "okukhusela umthengi" xa iimpahla zakho zingasayi kufika okanye uhlambe.
Okubi: xa izinto zihamba kakubi (ukuba unempikiswano nomthengisi) ezi ngxelo zinokutshatyalaliswa ngelixa iinkampani ziphanda. Ukuba wenza umkhuba wokubambisana neentlawulo (kwaye iingxabano aziphelelanga), i-akhawunti yakho inokuvalwa kwaye unokuvinjelwa ekusebenziseni inkonzo. Ngokuqinisekileyo uya kuhlala ngaphandle kwe-akhawunti ye-PayPal - kukho indawo eninzi yokuthenga i-intanethi kunye nezinye iindlela zokuhlawula - kodwa i-PayPal ngezinye iindlela elula kakhulu yokuhlawula.
Iingcebiso: xa uthengela i-intanethi, sebenzisa ikhadi lekhredithi njengomthombo wemali yokuthenga (ukuba kunokwenzeka). Ngaloo ndlela, ukuba kukho impikiswano kunye nenkonzo yentlawulo ayigqiba isigqibo sakho, unokuphikisana neentlawulo kwakhona ngekhampani yakho yekhadi lesikweletu apho unokufumana inhlanhla engcono.
Cards Debit
Okulungileyo: Amakhadi e-debit ayiakhawulezileyo amakhadi okuhlawula athatha imali ngqo kwi-akhawunti yakho yokujonga. Awudingi ukufaka isicelo, ufumane imvume, uhlawule iirhafu zonyaka, okanye umngcipheko ugxilise ityala njengokuba wenza ngekhadi lesikweletu. Nangona akufunwa ngumthetho, abakhupheli bekhadi bebhanki bahlala benokukhusela "ukhuseleko lwezero" olufana nokukhuselwa kwekhadi lesikweletu.
Okubi: ididebhini ye-debit idibene ngqo kwi-akhawunti yakho yasebhanki. Ukuba inani lekhadi lisetyenzisiwe ngaphandle kwemvume yakho (okanye ukuba kukho impazamo ethile kwindawo ethile), imali iphuma kwi-akhawunti yakho yokujonga-kwaye ungenakho ukuhlawula iindleko kunye neendleko ngeakhawunti eneenkcukacha. Ewe, kukho ukukhuselwa kobuqhetseba endaweni, kodwa kunokuthatha iintsuku ezili-10 iintsuku ukuba ibhanki ibuyise imali kwi-akhawunti yakho.
Iingcebiso: ngaphandle kokuba uqaphele kakhulu kwaye ubeke izilumkiso kwi-akhawunti yakho yokujonga (kwaye unayo imali eninzi ekhoyo), gwema ukusebenzisa amakhadi e-debit ukuba kunokwenzeka. Ukuba awukwazi ukusebenzisa ikhadi lekhredithi okanye inkonzo yokuhlawula, ikhadi elihlawulwa kuqala lingancedisa i-akhawunti yakho yokujonga kwiingxaki.