Umsebenzi futhi acquirer izingozi yasebhange

izinkokhelo yokuxhumana eminyakeni yamuva ngesinyenyela kakhulu ukuphila zabantu baseRussia. Ubuchwepheshe ivumela abasebenzisi abangenayo iphepha izikweletu, ukuthenga. Sibheka ngokuningiliziwe inqubo kokuzuza nabo bonke abahlanganyeli kule scheme.

inhliziyo

ikhadi Plastic - Leli thuluzi yokukhokha enikeza ukufinyelela ezezimali. Ngokufunda idatha kusuka ke, ungakwazi ukuthola ulwazi mayelana kumnikazi ibhalansi ye-akhawunti. Ngenxa yalezi zinjongo, e Izitolo okudayisa usebenzisa esigungwini. Faka i-PIN, umnikazi ikhadi sinikeza imvume abadonsi izimali e yokukhokha kwezimpahla. Ngaphezu kwalokho, eziningi nezinhlangano abahilelekile yokukhokha.

abahlanganyeli

Ngo ekwenzeni izinkokhelo abathintekayo nebhange elikhiphe futhi ibhange ekuzuzeni. Ake sihlole kabanzi umsebenzi ngamunye wabo. Sizuze yasebhange - ebhange okuyinto ofeza kulungiselelwa ikhadi ukwamukelwa amaphuzu. Ngenxa yale njongo, isikhungo credit isebenzisa terminals weluleka abasebenzi kule nhlangano reception kanye ukwesulwa nezinkokhelo ilungiselela isofthiwe. Kodwa lokhu akulona zonke izici ebhange olutholayo. A sesikweletu ophethe:

• ukugunyazwa kanye isheke amakhadi ukukhokha;
• kucutshungulwa izicelo engenayo;
• idlulisela izimali yomthengisi;
• IZINHLELO idokhumenti efakazela ukuziphatha ukuthengiselana;
• ihambisa izinhlu kungavunyelwe (intshontshiwe, iphelelwe yisikhathi) amakhadi.

Ukukhishwa Bank ikhadi nezindaba kanye nezinsizakalo ukukhokhelwa kuvula i-akhawunti cash flow. Lesakhiwo efanayo kungase kube acquirer futhi umkhiphi ngesikhathi esifanayo. Kulokhu, ikhadi pos-ukuphela futhi umthengi okuzokhishwa ngomunye ejensi. Kodwa uma ikhadi amaklayenti "Tinkoff Bank" futhi ebalekela izimali ngokusebenzisa ATM Savings Bank, i-sesikweletu sokuqala umkhiphi, kanti eyesibili - the acquirer. inkampani service iphuzu ngokuthi umsebenzi wezandla-service (TSP).

processing isikhungo

Ukuze uqinisekise wekhadi kumele ufake i-PIN khodi. Ngokushesha ngemva kwalokho, ukuba sizuze yasebhange ikhodi run inqubo yokuqinisekisa, ukusebenza ebhange, ibhalansi ye-akhawunti. Ukuze uthole lezi idatha ku-processing isikhungo ithumela isicelo. Uma noma yimuphi ngeziphambeko kuthengiselana acquirer yasebhange ayivumelekile.

Icubungula isikhungo - kuyisisekelo ngalo ozokwakhela kulo ukuthengiselana electronic. Lena inguqulo uhlelo ezenzakalelayo for processing ikhadi lasebhange. umsebenzi Its main - ukuhlinzeka izitolo ithuba ukuthatha yokukhokha non-cash. Icubungula isikhungo futhi uyazifeza nemizana phakathi umkhiphi kanye acquirer, endaweni yokudayisa futhi umnikazi ikhadi. ERussia, ukudidiyela izinhlelo izinkokhelo Visa and MasterCard amakhadi ubelokhu PayOnline isikhungo.

uhlelo Inkokhelo

Buhle non-cash izinkokhelo ngukutsi ingasetshenziswa kuphi emhlabeni. Kodwa ekuzuzeni yasebhange lilinganiselwe. Omunye ejensi ngobuchwepheshe awukwazi ukuhlela izibalo nazo zonke izindawo noma efakwe kuphi ATM. umsebenzi Ukuxhumana wenza uhlelo lokukhokha. Lapho isicelo processing isikhungo, ke uhlola solvency ekhadini. Uma ibhalansi kumanele ukusebenza kanye isikhungo sezezimali eyilungu ohlelweni, ithumela isicelo ukwenza kuthengiselana electronic.

inkampani lokukhokhisa

Esinye isici ukuthi kungase kube khona lapha. Billing inkampani, njengoba uhlelo lokukhokha ithatha umsebenzi ukudluliswa kuthengiselana kuya acquirer, kodwa ngaphezu kwalokho lucwaningo ukuqapha futhi kwezinhlekelele, uhlela ukufinyelela izibalo eningiliziwe ukuthengiselana, inikeza izinkokhelo akhawunti abanikazi.

Bank of Inthanethi ekuzuzeni

Umgomo we izinkokhelo inthanethi kufana inqubo yokuthenga izimpahla esitolo. It ahluke kuphela indlela ukuba idlulisele ukwaziswa. Esimweni sokuqala, esibulalayo ukufunda idatha kanye iklayenti yesibili kuphela kubabeka ifomu ekhethekile kusayithi. ekuzuzeni imisebenzi yasebhange yenziwa sikhungo credit, ukukhonza inhlangano zokukhokhelwa. Bonke ababambiqhaza lokungalandeli inkokhelo yemali uhlelo kufanele abe okunokwethenjelwa zokuxhumana link futhi imishini enikezela okusheshayo ukudlulisa idatha bese inqubo kuqinisekiswa.

Commission

Ukuthola - ayiyona isevisi khulula. Phakathi nenqubo yokwenza izinkokhelo ihlangabezana abahlanganyeli eziningana kule kuthengiselana. Uhlelo lokukhokha inikeza amaphuzu uxhumano of ukudayiswa kanye credit izikhungo emhlabeni wonke, i-akutholayo ikhomishana ngaphakathi 1-1.1% semali yokukhokha. Yona leyo nombolo ethunyelwe umkhiphi ngoba ukudluliswa kweemali. Futhi-ke, uKhomishane ekuzuzeni ebhange. Market ngesilinganiso esingaba 2-4%. Ngevolumu ikhomishana uyophinde kuthinte Ububanzi bemisebenzi we TSP, imali izimali ezivela akhawunti yekhasimende, uhlobo loxhumano, kanye nohlobo idivayisi.

uhlelo

Isikimu ezivamile yomsebenzi, lapho kuthuthukiswa iphuzu ezixhunywe ngokuqondile ekvaeru, isibonelo, nge ukugcina noma ifomu ekhethekile kuwebhusayithi. Kulokhu, ibhange kumele ukuthuthukisa isofthiwe yokuthola izinkokhelo, futhi ukuqapha isimo iziteshi zokuxhumana. Isitolo kumele anikeze kuthengiselana, uhlele Ukuvikelwa iseva, ukuqapha ukusebenza ukukhomba izigebengu ezingaba khona. Uma isigaba sabefundisi inthanethi esitolo eziyinkimbinkimbi, ukuqaliswa kohlelo kuyomelwe ukuba abhekane nge program. Futhi lokhu kuyinto izindleko ezengeziwe.

nizuza izingozi yasebhange ucabanga TSP

Endabeni ucabanga yenhlangano enikeza amasevisi ayo ukuba abantu credit izikhungo kukhona abanikazi bamakhadi ingozi imbuyiselo. Akuwona wonke imisebenzi ikhokhwe ngesikhathi sokuthenga. Ngokwesibonelo, izivakashi, kwenzekani amathikithi uhambo, yokubhuka futhi indiza kusengaphambili. Endabeni ucabanga tour amakhasimende opharetha bayofuna ukubuya izimali kukhokhelwe kodwa amasevisi ayitholakalanga.

Isibonelo esimangalisayo kulesi simo kuyinto kokuwa "Transaero". I isikhungo sezezimali lamukela inkokhelo amakhadi lohambo ilibele air travel, kodwa waya ukuphelelwa yimali. Ngokusho imithetho izinhlelo international ezimweni ezinjalo inkinga yezimbuyiselo isezandleni ebhange ekuzuzeni. Ngokusho idatha wokulungiselela, ukulahlekelwa amaqembu ikontraga kungenzeka zinamakhulu ezigidi ruble. Akunandaba nendlela eyenza ngayo izinkokhelo: ngqo endaweni yesevisi, kuyi-Internet noma sokukhokha. Kuzo zonke izimo, umthwalo wezimali we acquirer.

ukubuyiswa kwemali

Uma kukhona iphutha nizuza iseva yebhange, imali ebuyiselwa umthengi. Inqubo kuhilela ekwelapheni iklayenti ebhange, okuyinto ulungisa futhi adlulisele i acquirer isicelo. A isikhungo credit ubophekile ukuba ubuyisele imali. Enye into ukuthi esimweni isibonelo ngenhla ucabanga lenkampani uzokwazi isinxephezelo ukulahlekelwa ibhange kuphela inqubo ekuvalweni kwenhlangano.

izidingo eqinile

Uma sicabangela isimo "Transaero" abaphathi bebhange uhlose ubukeza nemigomo yesevisi TPS. Ngakho, kuphakanyiswa ukwethula iziqinisekiso ezengeziwe uhlobo isibambiso noma idiphozi, eqinisekisa solvency amaklayenti. Okunye okukhethwa kukho futhi kubhekwe inketho ukwandisa isikhathi ekubhalweni ngesikhathi SCC ngu amasonto amabili. Lo mkhuba wayeseGibithe kowezi-2000. Kodwa ngo ngezimo esiphila kuzo, izinyathelo ezinjalo kuzoholela kunalokho ekulahlekelweni amakhasimende.

izindaba

Bank "Russia" isungule nizuza izinkokhelo ayo interenet ukusetshenziswa Igesi yemvelo. Amaklayenti e-inkampani "Gazprom mezhregiongaz" ongakhokhela igesi yemvelo ngokusebenzisa ebhange "Russia" indawo. Ukuze wenze lokhu, ukuya ekhasini yesikhungo semfundo ukutusa ingxenye izinkokhelo inthanethi kanye akhawunti inombolo ukuze uthumele izimali.

Bank "Saint-Petersburg" waqala ukuphuza "Ukuthula" amakhadi indlela yokukhokhelana ezweni kunethiwekhi yayo ATM, amagatsha terminals.

Bank "Russian Standard" kusukela ngo-Ephreli 6, 2016 waqala ukukhonza chip amakhadi Diners Club International kohlelo ngamazwe (dCi). Ukuthengiselana abazenzi kwi international EMV ejwayelekile. Lokhu kunikeza ezingeni eliphakeme imisebenzi yokuphepha. Kwesokudla ukukhipha amakhadi Diners Club e okukhethekile acquirer ebhange uvele 2011. Kusukela ngaleso sikhathi, kuphela sesikweletu kuleli zwe obhekene isimo ukukhuthazwa kanye nophawu.