Kupeza: chiwerengero cha mabanki. Asayansi mothandizidwa ndi makadi pulasitiki

Kupeza - ndi makadi banki kulipira katundu. Kupereka utumiki, banki amakhazikitsa mu Intaneti malonda malo. M'zaka zaposachedwapa, kuwonjezera zida muyezo, kutchuka wabweza ya m'manja malo m'manja, kulola kulipira popanda kutchula malo malo a udindo. Amene chipangizo bwino kusankha ndi momwe yambitsa utumiki werenganibe.

mtima

Kugwiritsa ntchito utumiki, m'pofunika kunena mgwilizano mukuphunzira. Adzakhululukidwa sizinatchulidwe mfundo za utumiki, kukula kwa ntchito, mawu a obwezeredwa, ndi zina zotero. D. unsembe ndi kugwirizana zida, ndodo masewero kwaulere. Ena mabanki kupereka kutenga osachiritsika yobwereka. utumiki Zimenezi zimathandiza kubwereketsa kuonjezera chiwerengero cha makasitomala, ndi zolowa za ndalama, kuchepetsa ngozi ya malipiro ndalama ndi ndalama chopereka (pa liwilo). Malinga ndi kafukufuku, kugwiritsa ntchito malo amalola mabanki kukopa 20-30% makasitomala.

prerequisites

Chikuonetseratu makadi misonkhano malipiro mu Russia wakhala Madongosolo masitolo ndi mabizinesi. Osati kale litali, lamulo zapita, chimene bungwe satenga pulasitiki, kulipitsidwa kwa 30-50 zikwi. Rubles mu 2015. Malipiro Kupeza amakopa alendo (makamaka alendo).

The apamwamba kuchuluka kwa cheke, ndi apamwamba n'kutheka kuti makasitomala alibe ndalama zokwanira kubweza. Mu gawo la odyera ndi masitolo chiwerengero kupeza kukula. Only pa 2015 chiwerengero cha wotuluka mwa makadi pulasitiki chinawonjezeka ndi 18%.

Amene akuoneka kupeza?

"Alfa-Bank" ndi mabungwe ena kukongoza kutumikira makasitomala atsopano ndi alipo. Pamaso pa nkhaniyi si wofunika. Monga makasitomala atsopano adzakhala ndi kugonjera zikalata zina kusaina pangano.

khadi yosankha

Kuika osachepera zikuphatikizapo makadi Visa ndi MasterCard. Ngati malonda maukonde lolunjika pa makasitomala ku mabungwe ayeneranso chikugwirizana kudzera Visa elekitironi, Maestro Ziweto Anandilola, MasterCard a Intaneti. Koma Kudya Club, American Express, komanso Gold ndi Platinum makadi mabanki nkhani yokha makasitomala wolemera kwambiri.

Terms of obwezeredwa - masiku 1-3. Ngati bungwe watsegula nkhani ndi acquirer, ndi ntchito okwana ukonde wa ntchito amatamanda tsiku lotsatira. Ngati utumiki waukulu umachitika mu bungwe lina, ndiye malipiro interbank zimatenga masiku atatu. Ena mabungwe a zachuma akuyembekezera malipilo okwanila ayenela kwa dongosolo kenako ntchito yomasulira. Kenako mawu ndi anatambasula atatu - masiku asanu. Ngati simungathe kapena sakufuna kudikira, mungathe kulamula zapadera mlandu Mwamsanga malipiro processing.

Commission

Malipilo kuchita masamu ngati kuchuluka kugula ndalama. Kukula anapereka lililonse maukonde mosiyana ndi kumatengera zifukwa zotsatirazi: .. dera la ntchito, ambiri zolowa nthawi ya ntchito mu msika, mtundu kulankhulana, ndi akhale Commission ndi amadalira intermediaries. Ndi kulingalira analandira kuchuluka ena (zambiri 1.1%) anasamutsa dongosolo malipiro, mbali ina - ndi opereka banki. Chifukwa mpikisano waukulu mu mabanki kupeza 'mitengo pafupifupi amakhala pakati 1.5-4% ya ndikupeleka kuchuluka.

Ikuluikulu opareshoni, chindichepere amalipiritsa utumiki. Kwa makasitomala ndi zolowa otsika zingakhalepo zingati pamwezi ntchito chipangizo. Kodi chofunika Ndi njira ya akupereka mauthenga (Intaneti kapena waya).

umisiri

Kodi kukhazikitsa kupeza? "Alfa-Bank" kapena bungwe lina ngongole pambuyo kusaina mgwirizano ndi kampani kasitomala amapereka zipangizo zina zapadera ndi mapulogalamu. Pakali pano, ntchito POS-malo (Point A Sale - «Point wa Sale"). chipangizo limeneli limati mfundo khadi ndipo amalankhula banki. Malo ndi ochiritsira ndi opanda zingwe. Yotsirizira yabwino kwambiri chifukwa operekera zakudya kapena amtokoma. Zipangizo kuwerenga tepi ya maginito ndi tchipisi.

Mfundo banki akhoza kudzera:

• oyimba-mmwamba - ndi wotsika mtengo koma kugwirizana zimatenga mphindi zochepa;
• GSM, GPRS - kufunika Intaneti;
• Efaneti, Wi-Fi - munthu amene n'kamodzi.

Pamodzi ndi mwa kundipatsako kwa zipangizo mabanki kuchititsa ndodo wotsogolera, kuwauza antchito momwe ntchito chipangizo ndi kuletsa malipiro. Akupatsidwa mofulumira phunziro pa kuika chipangizo ngati n'koyenera. Apa ndi momwe mukuphunzira.

tariffs mabanki

Pakuti kulumikiza ndi configuring zida lachitatu chipani akhoza operekedwa ndi Commission. The mwayi wa ntchito malo banki ndi vuto la breakage kapena m'malo a zikuthwanima kwaulere. Izo ziyenera kuganizira musanayambe kupanga kupeza. Tariffs mabanki kupereka "pamakomo" wa wotuluka khadi. Mwachitsanzo, ngati kuchuluka kwa wotuluka pamwezi zosakwana zikwi 50. Opaka., Akhoza Komanso anapereka kwa Commission mu mawonekedwe a malipiro abwino kapena nkhani yokonza.

Gwiritsani utumiki. Koma pamaso kusainira mgwirizanowo akhale, muyenera mosamala ndi maganizo a mabanki. Pamene inu kusankha bungwe muyenera kumvera zimene makadi amuchita, kukula kwa ntchito, mawu a kulanda ndalama ndi zinthu zina.

Taganizirani zimene mitengo anapereka kupeza Sberbank. Malinga ndi buku la ndalama anachokera ku mapu, ntchito zingasiyane mu osiyanasiyana 0.5-2.2% ya ndalama. Muyezo likanatha mtengo wa ndalama zipangizo kwa 1.7-2.2 zikwi. Opaka. pamwezi. Mutayankha ntchito pulogalamu akhoza dawunilodi ku malo. Sberbank lilinso ogula luso kulumikiza ku intaneti kupeza pa zinthu payekha. Pakuti kukhazikitsa machitidwe kasamalidwe zili alipo, pali zingapo okonzeka zopangidwa njira.

Online malipiro

Internet kupeza - phwando la makadi banki kwa malipiro pa Intaneti. Zogwirira ntchito ku mabungwe ngongole ndi malo processing ntchito mawonekedwe wapadera limene limathandiza cardholders kulipira pa malo. Kusiyana kokha ku muyeso wa utumiki uwu ndi deta si angathe kuwaŵerenga khadi owerenga, nalowa mwa samalipira mu mwapadera.

mafoni kupeza

Ndalama Bank komanso mabungwe kukongoza mu dziko osati kale anayamba ntchito mafoni mPOS-malo. Mu West, chifukwa cha ichi kwa nthawi yaitali ndi Square, PayPal, iZettle. panalibe analogues ku Russia: 2Can, LifePay. zipangizozi anapangidwa kwa amalonda, osapatsidwa akaundula ndalama. Iwo kuwerenga kafukufuku khadi, kusamutsa kuti pulogalamuyi pa foni yanu, piritsi. Service timapempha ndalama, amakoka malipiro ndi amatumiza deta ku banki.

Kulumikiza kwa "VTB" Kupeza mPOS-kudzera osatha, muyenera kupereka umboni malata, nkhokwe, wotsogolera pasipoti, ndi pangano kutsegula nkhani, manenjala chithunzi ndi kudikira masiku angapo. Pakuti utumiki uliwonse unit wokwanira ena banki. Mu acquirer 2Can ndi "Russian Standard" ndi "Oyamba". "Prombiznesbank" ndi "Express-Volga" ndi "Gazenergobank" utumiki LifePay. "PrivatBank" wakhala iPay, "Alfa-Bank" - Perekani-Ine, ndi "Mtumiki" - SumUp.

Ndi okwera mtengo kwambiri mafoni mukuphunzira. Tariffs magombe pafupifupi 2.5-5% pa iwowo. Kuchuluka kwa malipiro ndi chiwerengero cha pakhomo osachepera ndi pazipita akukonzerani. Mu mawerengedwe a dzuwa la ntchito ayenera kuganizira mfundo yakuti zimalimbikitsa kupeza makasitomala ndi 20-30%. Kotero kuti mtengo akhoza kwathunthu wolungama.

Kodi kusankhapo?

Kupeza masitolo zofunika, maofesi malonda, ndi malo ndi malipiro mfundo. Makamaka Intaneti ndi ambiri a mabanki anayamba mavutowa - dongosolo, kukhazikitsa amene kusakanikirana ndi makina POS. Kutumiza misonkhano, amene osati kulandila ndalama, komanso kupereka cheke, m'pofunika kugwirizana wosakanizidwa POS-malo. Ngati kuchuluka ndi ang'ono, anthu ali kulipira ndi amtokoma ndalama. Mobile kupeza yabwino kwa osintha inshuwalansi amene ayenera kulandira malipiro ndi cheke pamwamba pafupifupi. Mtokoma wa owerenga mPOS-malo - ndi PI ndi makampani amene ntchito ogwirizana ndi phwando malipiro zosafunika kulalikira: masitolo online, ntchito takisi ndi mabizinesi katundu, anthu kunyumba, zoweta, mankhwala ndi zina zina.