Ngeentlawulo zentlawulo ngqo, amakhadi ezokukhawulwa, kunye namakhadi esikwereti, abantu abambalwa nabancinci basebenzisa imali kunye nokuhlola iintengiso. Ngophando lwentlawulo ye-2016, inkqubo yokuhlawula i-TSYS ifumene ukuba i-75 ekhulwini yabantu bathanda ukusebenzisa amakhadi okanye i-credit card.
Ukuba ufunda oku, amathuba ukuba ungomnye walabo abakhetha ukuhlawula iintengiso kunye neplastiki. Ngoko xa wenza ikhadi lokuthenga ngetyala nge-intanethi-kwi-intanethi okanye ngefowuni mhlawumbi-unokutshatyalaliswa xa ufumanisa ukuba bahlawula umrhumo wekhadi lokuthenga ngetyala.
Ngaba le mthethweni? Ngaba amashishini avunyelwe ukuhlawula imali elula kubaxhasi abafuna nje ukusebenzisa amakhadi abo ekwereta?
Iyintoni Imali yokuThengisa iKhadi leKhadi?
Imirhumo elula yintlawulo yokuba ishishini libetyala abathengi abasebenzisa amakhadi-mboleko kunokuba elinye uhlobo lokuhlawula eliqhelekileyo kwishishini. Ngokomzekelo, ishishini elithatha ngokwesiko livuma ukujonga okanye i-ACH yokuthengiselana inikezele ngeentlawulo zekhadi zekhredithi njengokuba lula ukuhlawula imali eyongezelelweyo.
Iimali ezifumanekayo kunye nee-Surcharges
Imirhumo yokukhawulwa kwamakhadi okuthenga ngetyala kunye kunye neentlawulo zihlala zisetyenziswa ngokungafaniyo, kodwa azinjalo. Inkokhelo yintlawulo ehlawuliswe kubaxumi kuphela ngenxa yokuba basebenzisa ikhadi lekhredithi. Izivumelwano zekhadi lokuthenga ngetyala zithengisa abahwebi ukuba bahlawule iirhafu ezingaphezulu. Ukongezelela, iirhafu ezingekho mthethweni eCalifornia, eColorado, eConnecticut, eFlorida, eKansas, eMaine, eMassachusetts, eNew York, e-Oklahoma, eTexas nasePuerto Rico.
Ngelixa abaniki bamakhadi bekhredithi bengavunyelwe ukuhlawulisa umrhumo werhafu ngokuthengiselana ngekhadi lesikweletu, bavunyelwe ukunikela isaphulelo kubathengi abahlawula ngemali. Usenokuba uqaphele ezinye izikhululo zegesi, umzekelo, unokufumana intengo enye ehlawulwe ngekhadi lesikweletu kunye nexabiso elincinci, elihlaziyiweyo lokuthengwa kwemali.
Lo mkhuba uvunyelwe.
Kutheni I-Business Business Payment Payment Fees?
Nangona iifowuni zekharityhulam ezilungelelaniso zekharityhulam ziyinkathazo kunye neendleko ezongezelelweyo kubathengi, amashishini ahlawule umrhumo amaninzi anokufumana isizathu esisemthethweni sokuhlawulisa intlawulo.
Eyona nto ihlawula imali kumashishini ukuba athathe iintlawulo zekhadi lesikweletu. Iikhampani zokucwangcisa ikhadi lokuthenga ngetyala zihlawula intlawulo nganye kumashishini athengiweyo kwikhasi lokuthenga ngetyala Amashishini kufuneka ahlawule isofthiwe kunye neprojekthi yokulungiselela amakhadi ekwereta.
Amashishini awamkele ngokukhawuleza amakhadi ekwereti awakha iindleko zamakhadi okwamkela kwixabiso lawo. Oku kubaluleke kakhulu kumashishini athengisa ngokuqhelekileyo iimveliso kunye neenkonzo ngqo kuluntu. Amanye amabhanksi ahlawula ngokuthe ngqo kuphela ngeendleko zeenkonzo ezithile ozisebenzisileyo. Ezi shishini azifaki iindleko zokusetyenziswa kwekhadi lekhredithi kwixabiso olihlawulisiweyo.
Iinkampani zenkampani, abanikazi bezindlu, kunye namaziko karhulumente, umz Ngala ma shishini, kusenokwenzeka ukuba ukhululekile ukuhlawula ngetshekhi okanye i-ACH. Kodwa, ukuba ufuna ukusebenzisa i-credit okanye debit card ukunyamekela i-bill yakho, kufuneka uhlawule imali elula.
Ngubani owenza isigqibo sokuba ngaba ngabaxhasi beKhadi leMali-mboleko banokuthi bahlawule iiRhafu zokuThengisa?
Xa abathengisi abanamakhadi-krediti bahlanganiswa nezivumelwano abanalo kunye namanethiwekhi ekhadi lesikweletu.
Ezi zivumelwano zichaza izinto ezahlukeneyo abathengisi abanako kwaye abanako ukuzenza xa bemkela amakhadi ekwereta. Amanethiwekhi okucwangcisa amakhadi okuthenga ngetyala, oko kukuthi i-Visa, i-MasterCard, i-American Express, kunye nokufumanisa, banemithetho eyahlukeneyo malunga nokuba ngabahwebi bavunyelwe ukuhlawula imali elula.
- I-Visa, ivumela iifizi ezifanelekileyo, kodwa ngokuqhelekileyo kuphela xa ukuhlawula kwenzeka kwi-channel enye yentlawulo, njengefowuni okanye kwi-intanethi; xa umthengi ekwaziswa ngemali phambi kwexesha; kunye netyala lokurhweba isilinganisi esicacileyo, kungekhona ipesenti yomthengi.
- I-MasterCard ivumela i-arhente karhulumente kunye namaziko emfundo ukuba ahlawulise umrhumo wekhadi lokuthenga ngetyala ngokukhawuleza ukuba banikeze nezinye iindlela zokuhlawula.
- I-American Express ivumela iifom ezaneleyo zeentlobo ezithile zokuthengiselana nje kuphela xa umthengi esebenzisa ikhadi lekratshi ngokwenene likulungele. Naliphi na imali efanelekileyo kufuneka ibhengezwe phambi kokuba ihlawulwe kumthengi.
- Ukufumanisa akunalo umgaqo-nkqubo wekhadi lokuthenga ngokukhawuleza. Endaweni yoko, umnikeli wekhadi lokuthenga ngetyala uyadinga ukuba abathengisi baphathe onke amakhadi ekhredithi afanayo. Oku kuthetha ukuba abarhwebi abanakho ukuhlawula imali elula ekufumaneni ukuthengwa kwekhadi lesikweletu, kodwa kungekhona kwiintengiso zeVisa.
Imirhumo yokufumana ihlawulwa kwakhona kwiintengiso zekhadi, ngenxa yokuba la makhadi aqhutyelwa ngokufanayo kunye namakhadi ekwereta xa esetyenziswe kwi-intanethi, ngefowuni, okanye kwiifowuni zokuhlawula. (Amakhadi ezenziweyo aqhutyelwa kuphela njenge-debit, kwinqanaba lenethiwekhi yekhadi lokudibanisa, xa i-PIN ingenisiwe.)
Yintoni Ongayenza Ngayo Imali Yokufumana?
Ukuba inkampani ityala umrhumo wekhadi lomthengiso wekhadi lomthengiso, abathengi banokhetho ezimbini kuphela. Bakhokhe umrhumo okanye ukhethe enye indlela yokuhlawula.
Kwezinye iimeko, unganakho ukuphepha ukuhlawula imali elula, ngakumbi ukuba awukho enye indlela yokuhlawula. Nangona kube yinkathazo, yinto enokufuneka uyenze ngamanye amaxesha, ukuze kube lula ukusebenzisa ikhadi lakho lesikweletu. Imali ayiyi kukubamba ngothusa. Abathengisi kufuneka ukuba bakuxelele ngaphambi kokuba uhlawulwe imali efanelekileyo.
Ngokungafani nezinye iintlobo zeemali zekhadi lesikweletu , imali elula ifakwe ngqo kwi-transaction. Ukuba wenza imali eyi-$ 100 kunye nentlawulo yomrhwebi imali eyi-$ 12 yokuthenga, inani lakho lokuthenga liza kuba ngu-112. Qinisekisa ukuba unetyala elaneleyo elifumanekayo okanye imali eyaneleyo kwiakhawunti yakho yokukhangela ukuba uhlawule ngokupheleleyo umthengi.
Xa usayazi iindleko zoshishino ngemali elula, unokuzicwangcisa ngexesha elizayo ukuba wenze intengiso kunye nabo okanye unokuceba ukusebenzisa enye indlela yokuhlawula ngokuzayo. Ngokomzekelo, amanye amashishini aya kuqhuba iinkqubo ze-ACH ngokusebenzisa i-akhawunti yokujonga kunye nenombolo yokuhamba ngaphandle kokukuhlawula nayiphi na imali.
Imali yokufumana iyanokubonakala ibancinci kwinqanaba lokuthengiselana. Ngokomzekelo, unamandla kuphela ukuhlawula i-$ 3 okanye i-$ 4. Nangona kunjalo, ukuba uhlawula iintlawulo ezininzi zokuhamba rhoqo ngenyanga, iifizi ziyakongeza ngokungekho ngaphezu kwe-$ 100 ngonyaka.