Kupeza malo: kasamalidwe kugwirizana. malipiro osachiritsika

Kukula ubale ndalama anali mupeze zikamera wa makhadi. Iwo ankafuna kuti wosalira ndondomeko ya cashing. Ndi chitukuko cha patsogolo luso anaonekera mukuphunzira. utumiki uwu banki chasanduka khadi mu ntchito tsiku ndi tsiku chida.

prehistory

"Kukhala" (lotembenuzidwa kuchokera English "kupeza" ..) - dongosolo la kuvomereza khadi malipiro a ntchito. Malinga kufunika kwa izo angayerekezedwe mkubwela kwa mafoni. Poyamba kupeza kunali kovuta kwambiri. Olandira ndalama ntchito "imprinter", imene khadi adaombera "kuganiza" ndi tsatanetsatane. chipangizo salankhula ndi banki ndi anawapatsa ndalama kucemera bungwe lanu ndalama kutsimikiza kupezeka kwa ndalama mu nkhani ya kasitomala. Modern pakompyuta osachiritsika anaonekera zambiri mtsogolo.

mtima

Kuti tigwiritse ntchito misonkhano, m'pofunika kunena mgwirizano akhale banki ndi kugwirizana osachiritsika mpaka zogulitsa. The kupeza banki - bungwe ngongole zimene akuchita anapezazo ndi mabizinezi ntchito wotuluka khadi, ndi / kapena opereka ndalama zogwirira khadi amene sali olembetsedwa mwalamulo makasitomala a banki. Choncho gulu akhoza imodzi kuchititsa nkhani makadi chikalata kupeza malo.

Mitundu ya kupeza:

1. Shopping - kwake odyera, masitolo, mahotela, etc.
2. Internet - kugula katundu ku World Lonse Web.
3. ATM - ndi malo ndi ATMs mungapezeko kutapa ndalama kwa nkhaniyi.

The osachiritsika chimathandiza kulanda ndalama kwa nkhani ya kampani mwa Internet kapena mzere telefoni. Mugule nokha Sikuti. Choyamba, aliyense banki ali osiyanasiyana ake a makina, ndipo kachiwiri, palibe bungwe ngongole adzakhala ntchito kupereka luso thandizo "yachilendo" zipangizo. Pakuti ntchito amafuna osati kupeza malo, koma m'kaundula ndalama olumikizidwa kwa dongosolo malipiro.

Malonda kupeza

The kwambiri ndondomeko ya katundu wogula mwa maso a malipiro tinganene motere:

• kasitomala transmits anawapatsa ndalama pulasitiki;
• anawapatsa ndalama amachita ntchito kupyolera kupeza akayakaya ndi preauthorization nafunsa makasitomala kulowa Pin;
• kugwirizana udzakhazikitsidwe, yemwe ndi mwini nkhani ndi debited kuchuluka zofunika kulipira onani.

Pa nthawi yomweyo, kampani, lomwe lili ndi malipiro osachiritsika Ayenela:

• kuika zipangizo pa malire a malo a;
• kulandira makadi misonkhano malipiro;
• kulipira banki amalipiritsa utumiki.

banki, nayenso, ayenera:

• kupereka zipangizo;
• ogwira ntchito sitima ntchito ndi malo;
• fufuzani bwino nkhani pa nthawi ya ntchito;
• reimburse kuchuluka kupelekedwa;
• kugonjera ndalama malisiti;
• agwire thandizo zonse zamanja.

Internet kupeza

chiwembu Izi zikufanana ndi amene m'mbuyomu, koma palibe mwachindunji kukhudzana ndi wogulitsa ndi wogula. Dongosolo lonse zimachitika ukonde-mawonekedwe. Mayiwo amasankha katundu pa malo wogulitsa ndi kudina pa "Ugule" batani. Kenako, kutsegula wapadera komwe mukufuna kulowa mfundo za khadi malipiro. Izi otchedwa processing kampani. Kutsimikiza kugula mabanki ambiri kupempha mapasiwedi kamodzi, amene anabwera mu mawonekedwe a mauthenga SMS kuti chofukizira khadi. Kutsimikizira malipirowo, kasitomala akutumiza pempho ku banki kusamutsa wina kuchuluka kwa ndalama ku nkhani ya sitolo Intaneti.

mafoni kupeza

Si kale anaonekera pa msika mPOS-malo, imene selo mukuphunzira. Iwo ali khadi wowerenga olumikizidwa kwa foni yanu. Pa chipangizo ntchito waikidwa, imene osachiritsika ulamuliro ndi kupeza ntchito ndi kachitidwe malipiro. zipangizo oterowo angapo ubwino poyerekeza ndi makina mwambo:

• ali mafoni;
• ndi kuzungulira mwayi wotchi kuti chiwerengero;
• kupeza malo mafoni sakhala wamba;
• malipiro cashless ntchito iwo otetezedwa ndi ena.

Mobile malo komanso ndi yabwino chifukwa cholola kupereka ntchito dalaivala takisi mu galimoto ndi yobereka pitsa kunyumba.

ndondomeko ya ntchito

malipiro wotuluka mwa malo ndi motere:

1. Anawapatsa ndalama nayo khadi kudzera osachiritsika a.
2. Information pa samalipira wa imafalikira ku malo processing.
3. Kachitidwe limafufuza mosamala nkhaniyo.
4. Ngati pali ndalama zokwanira kusamutsa ndalama pa nkhani.
5. The osachiritsika 2 ikupereka buku la cheke. Munthu akhalabe pa anawapatsa ndalama, ndi wachiwiri imatumizidwa wogula.
6. mndandanda Acquirer wogulitsa zikutanthauza opanda amalipiritsa lapansi.

Kupeza ku Russia

Mu Russia, dongosolo likupitirirabe chitukuko. Chiwerengero cha makadi inakhazikitsa mu dziko wakhala kuposa anthu. Ngakhale Kuphunzira chiŵerengero mu United States ndi ku Ulaya upambana nthawi 2-4.

Against maziko a chikhalidwe ndalama kukula kwa anthu khadi amaona ngati njira yachidule malipiro ndi kupeza chuma, koma kupeza latsopano la Russia akhala pang'onopang'ono kuposa anakonza. Zaka 15 zapitazo, chiŵerengero cha ndalama ndipo sanali ndalama malipiro ndi 97% ndi 3%. Today kanjedza ndi osiyana: 85% ndipo 15% .However 70% ntchito kutapa ndalama kwa nkhaniyi.

Kugula ndi osachiritsika malipiro akhoza olumikizidwa kwa banki aliyense mu dziko. ochepa okha kuyenda kwa mbiri ndi zochitikachitika za bungwe ngongole. Mwachitsanzo, PJSC "nkhokwe" amapereka ogula ndi utumiki "nkhokwe-Pitani». Ndi kusankha mmodzi wa malo anayi, kasitomala wayamba kupeza ntchito alandire makadi anayi kachitidwe malipiro. Kuvomerezedwa mikhalidwe - malipiro comtittee pa 1.8% ndi crediting ndalama nkhani ya kasitomala pasanathe masiku awiri. Mukhoza kugwiritsa ntchito pasanathe masiku asanu ndi awiri pambuyo ntchito.

Pa mavuto ena operekedwa Sberbank kupeza osachiritsika. mlingo ntchito amadalira buku la ndalama mwezi, yomwe umadutsa khadi, ndipo zingakhale za 0.5% kuti 2.2%. Kupeza malo ayenera kulipira utumiki mwezi 2 thous. Opaka.

Polumikiza kupeza osachiritsika: 1C "CIMODZI CIMODZI"

Pakuti chikalata Pamudzi "Kupeza ntchito" ntchito 1C. Pre-kufunika yambitsa njirayi mu tsamba "Administration", pansi "Finance", poona "malipiro khadi". Pangani "kupeza sitepe" angathe kukhala mu tsamba "Finance" kapena pa "kugulitsa katundu", "malamulo kasitomala".

Pa windo la tsatanetsatane kutulutsidwa chikalata waukulu. Mwachitsanzo, "Womanga", "Uwerenge" ndi "Dzina kapita". Komanso, muyenera Nenani "Pokwelera", "view", "Chiphaso." Information ndi kutulutsidwa kwa "Pangano la kukhala ndi" pa "Finance" tabu. Ngati chikalata ichi palibe, ndiye ayenera kukhazikitsa, kulozera mu mawonekedwe a:

• dzina la acquirer (ncholinga cha "ubwenzi zina" pangano);
• counterparty acquirer;
• ndalama;
• Khadi.

Komanso, iye adzayenera kulenga kupeza osachiritsika pulogalamu.

Mutayankha deta muyenera kubwerera kwa chikalata choyambirira ndi kuchita "ntchito kupeza."

mawu Bank

Pa chiphaso cha mau Nkhani pulogalamu n'kofunika kugwira chikalata "Report pa gombe kupeza." Izo analengedwa mu ndime yomweyo pa "Finance" tabu. Sitepe yoyamba ndi mwatchutchutchu pangano yeniyeni ndi banki. Ndiye "Kusankha" Chikoka "chiphaso cha malipiro." Mu zenera malipiro, sankhani yeniyeni kupeza ntchito ndi kudina "Bwererani chikalatacho." mfundo zonse chimaonetsedwa magome a lipoti lino.

Information za ntchito banki unadzaza pa tsamba la "Kukhala Commission": item mtengo, nkhani mawunikidwe, kuchuluka. Chomaliza - chilengedwe cha "Mawu nkhani panopa" pogwiritsa ntchito "Report". Malinga ndi chikalata mu 1C ku nkhani ndalama mlandu ndiye ndi chimaposa kugulitsa, ukonde wa ntchito.

UT 11

Kukhala ndi osachiritsika mu Baibulo ili 1C chikugwirizana mosiyana. Makamaka:

• mu mgwirizano ndi banki akutchula machitidwe onse malipiro, chimene Pangano;
• chifukwa ntchito ndi makasitomala depersonalized ntchito chikalata "CMM macheke";
• Mwambo "Close kosangalatsa", ndipo basi amapanga "Report Sales" pamapeto pa tsiku.

Mu "Cheka" pa tsamba loyamba n'chakuti zokhudza mankhwala, wachiwiri - pa khadi malipiro, wachitatu - cheke deta ndi dzina anawapatsa ndalama za.

Buku za ntchito chipangizo

Pogwira malipirowo kudzera osachiritsika angakhale angapo mavuto: maukonde kulephera, Kulipira ntchito, ndalama osakwanira m'nkhaniyi. Tikambirana mwatsatanetsatane mmene ntchito chipangizo ndi kuletsa ntchito.

Pa bwino akamaliza ndi osachiritsika ntchito zipsera chiphaso, chimene n'chakuti: khadi chiwerengero, malamulo chilolezo, kugula kuchuluka ndi malipiro kolemba. Yotsirizira ndi phunziro ndi magawo a malo processing. Ngati mauthenga pa chitsimikizo cha zopelekazi sanalandire, m'pofunika adzafafaniza ndikupeleka mwadzidzidzi pogwiritsa ntchito "Kuletsa ntchito".

Pamene mapeto a kuloza ikuchitika, "chiyanjano cha zotsatira" pa osachiritsika a. Pa nthawi yomweyo, lipoti pa ntchito anatenga kwa kusintha phindu ndalama.

"Chiyembekezo chakuti ndalama" akhoza unachita pa kosangalatsa ndi zotsatira pamaso kuchotsa. Pamene ntchito imeneyi imafalikira ku nambala osachiritsika (RRN) ndi nambala cheke. Pambuyo pake, kuchuluka lolipiridwa amagwanso wogula. Ngati lipoti chachotsedwa, muyenera kuthamanga lamulo "Refunds", kutchula kuchuluka, Khadi, ndipo fufuzani ntchito. Mbali yoyamba, ndalama mwachindunji wogula, ndipo chachiwiri - pambuyo chitsimikiziro cha ndikupeleka banki.

ubwino

Masiku ano, magulu ambiri ntchito kupeza malo kwa malipiro. Njira imeneyi ndi yosavuta kugwiritsa ntchito, kuchotsa chiopsezo kulandira ndalama zachinyengo, ndalama pa chopereka. Osanenapo chakuti ophunzira mu ndondomeko kulandira mankhwala banki wapadera mu mawonekedwe a mapulogalamu phindu, kuchotsera pa misonkhano ndi maphunziro ufulu. Nawonso kasitomala kulipira kugula njira yabwino.

Anatinso makadi ankaikira zigawo Olemera a anthu. Malinga ndi kafukufuku, akuchita malipiro kudzera osachiritsika amatsogolera ndi kuwonjezeka mu malonda ndi 20-30%. Eni "wallets pulasitiki" mbali ndi ndalama. Kuchuluka avareji cheke, alipiridwe kupyolera osachiritsika a, kuposa alipidwa 30%. An zina njira yolipirira zimapangitsa kampani pamaso pa makasitomala odalirika kwambiri ndi wokongola. Kupeza Komanso kumawonjezera chiwerengero cha ogula angathe.