Unokuthanda ukuhlawula ngekhadi lakho lesikweletu, kodwa abaninzi abanini-shishini banqwenela ukuba ungeke. Ukuba unake ubenzima kunzima usebenzisa iplastiki, unokuzibuza ukuba kutheni ezinye izitoro kunye neevenkile zingathathi amakhadi ekrediti (okanye idibanti yamakhadi). Ibinzana elinesabisayo "siyaxolisa, asiwamkeli amakhadi" okanye uphawu olungabonakaliyo "ISIKHASO SONKE" lubonisa ukuba umnini-shishini unenkxalabo ethile.
Ngokuqhelekileyo ubilisa ezo nkxalabo ukuya kwiindleko, ukuqinisekiswa, kunye nobunzima.
Iindleko
Ukuze ukwamkele amakhadi, amashishini ahlawula ipesenti yomthengiso ngamnye, kwaye anokuhlawula iifizi zenyanga nganye ukugcina i-akhawunti yomrhwebi. Ukuthengiswa kwekhadi lesikredithi, iirhafu zihlala zi-2% ukuya kwi-3% yokuthenga kwakho (kwaye amanye amakhadi ayabiza ngakumbi kunabanye). Oku kungabonakali ngathi kuninzi, kodwa amashishini athile akwenza inzuzo encinci, kwaye ezo ntlawulo zidla emigqabini.
Abanikazi bezentengiselwano bajongene nenzuzo encinci okanye badlulisela indleko kubathengi, kwaye baninzi abanakukwenza.
Iintlawulo zekhadi zeDebit zithengisa ngaphantsi kwamakhadi-mboleko ukuba ziqhube, kodwa abanye abanikazi boshishino abangaziqondi ukuba, okanye baphonsa umntwana ngaphandle kwamanzi okuhlamba kwaye bafune ukuba wonke umntu ahlawule ngemali okanye ahlole. Ezinye izitolo zithatha amakhadi kodwa zinciphise umonakalo kwiimali zokuguqulwa: ziba zibeke ubuncinci ekuthengweni kwekhadi lesikweletu okanye zihlawulise abathengi ngokugqithisa ukusebenzisa amakhadi ekwereta (abafanelekile ukubeka ubuncinci okanye ukuhlawulisa iimirhumo zokuthengwa kwekhadi lokuthenga , kodwa umgca uhlala ufumana ephosakeleyo).
Kutheni ukuba amakhadi ekwereti axabisa kangaka? Amakhadi enkoleko anikezela ngeenzuzo ezininzi ongayifumana kunye namakhadi e-debit (amakhadi anemivuzo, njengemali yokuhamba kunye namakhadi okuhamba, axabisa kakhulu). Ezi zibonelelo zihamba kuphela kubasebenzisi abathile bekhadi, kodwa umnini-sitolo uyahlawula ezo ntlawulo (okanye bonke abanye abathengi bancedisa izibonelelo ngokuhlawula amanani aphezulu).
Ungaphinde uxelele ukuba irhafu enye uhlobo lweendleko, kwaye amanye amashishini asebenzisa imali ngenzame yokunciphisa irhafu. Ngaphandle kwerekhodi yekhompyutheni yonke intengiso, kunzima kwi-IRS ukufakazela ukuba ungaphangeli. Oku mhlawumbi ihlukile kwaye akusiyo umthetho, kodwa kwenzeka.
Qi niseka
Ikheshi ikosi. Xa uhlawula ngemali, umnini-shishini uyazi ukuba ukuthengiselana kuqediwe, kwaye kunobungozi obuncinane bokuxhatshazwa kwexesha elizayo (imali ingaba yinyani, kodwa akunakwenzeka). Imali ifumaneka ngokukhawuleza ukuba umnini-shishini asebenzise okanye afake.
Xa uhlawula ngeplastiki, kunokuthatha iintsuku eziliqela ukuba imali ifumaneke kwi-akhawunti yomrhwebi (ikakhulukazi ngekhadi lesikweletu). Ngaphezu koko, iintlawulo zingaphinde zitshintshwe kwiinyanga ezimbalwa: ukuba ikhadi lisetyenziswe ngobuqhetseba okanye umthengi akanelisekanga ngemveliso okanye kwinkonzo, iinkampani zamakhadi zikhawuleza ukukhupha i-chargeback .
Ngandlela-thile, ukuhlola kukukhuselekileyo kubahwebi kuba kunzima kubaxhasi ukuba bathathe imali yabo. Enyanisweni, nabani na onokubhala ukubheka okubi okanye ukuyeka ukuhlawulwa kwisesheke , kodwa xa ibhanki lomthengi lihlawula isheke ( okungathatha iiveki ezimbalwa ) kunzima ukuba umthengi abuyele imali ngaphandle.
Amashishini maxa wambi afumana iintloko kwiakhawunti ezixhamla okanye abantu abavame ukufumana iitshekhi ngenkonzo yokuqinisekisa ngetshekhi .
Ukunyaniseka
Ngenxa yeengxaki ezingentla, amanye amashishini anquma ukuphepha amakhadi ngokupheleleyo. Basenokungenelwa ngokufumana amakhadi, kodwa abavakalelwa ukucinga ukuba bangayinqoba njani imingeni kwaye bafumane isisombululo sokuhlawula. Umsebenzi ofunekayo ukukhetha umthengisi kwaye ukhethe umzekelo omhle kakhulu wexabiso lentengo kakhulu.
Kwiimeko ezininzi, ezi shishini azidingeki ukuba zamkele amakhadi-zineenkcukacha ngokwaneleyo. Ngokuqhelekileyo kuphela ukhetho lwamashishini anikezela ngemveliso ekhethekileyo abathengi abayithandayo. Ngokomzekelo, cingela indawo ye-taco kunye nomgca ophuma emnyango wangaphambili: abathengi basebenzise ngokwaneleyo ngoko akukho mfuneko yokuthatha iingxaki eziza kumakhadi.
Kutheni i-Stores Ingamkeli i-AmEx uze uyifumane
Ezinye izitolo zamkela iplastiki, kodwa zikhetha. Abaninzi abathengisi bayamkela iVisa kunye ne-MasterCard, kodwa ngamanye amaxesha baya kuthatha isigqibo sokuba bangamkeli i-American Express kwaye bafumane. Ngokubanzi, oku kungenxa yeengxaki ezifanayo ezichazwe ngasentla - kodwa le micimbi ikhulu ngakumbi kunye ne-AmEx kunye ne-Discover.
Abaxhasi bathanda i-AmEx yabo kwaye bafumane amakhadi. Nangona kunjalo, iintlawulo zokwamkela loo makhadi zihlala ziphakamileyo kuneVisa kunye ne MasterCard. Okungakumbi, kunokuba lula kubaxhasi ukuba baphikisane kwaye baphinde bahlawule iindleko kunye nalabo baxhasi. Uninzi lwabantu abanekhadi le-AmEx linayo iVisa okanye i-MasterCard, ngoko banokuhlawula elinye ikhadi ukuba bafuna (nangona abanye abanamakhadi banyanisekileyo bathe baya kuphepha ukuqhuba ishishini kunye nabarhwebi abangamkeli amakhadi abo abathandayo).