Isixhobo sezimali esilungileyo esinceda wonke umnini-shishini
Ukusetyenziswa kwekhadi lokubambisa yindlela efanelekileyo yokubeka ishishini kwindlela yokukhawuleza ekufezeni injongo zayo. Ukwenza ukuthengwa kwezentengiso akuzange kube yinto elula kumashishini amaninzi amancinci. Ibhizinisi elincinci elibandakanya ukusetyenziswa kwamakhadi e-debit linokubakho olukhulu lokunandipha iintlobo ezahlukeneyo ezinokuqhathaniswa nenkampani esebenzisa imali, ukujonga okanye amakhadi ekwereta.
Makhe sihlole ezi ntlanu:
Iindleko zokugcina
Amakhadi enkokhelo afuna imali ephantsi yokucubungula xa kuthelekiswa nokuhlola okanye amakhadi ekwereta. Ngokusebenzisa amakhadi e-debit, ishishini elincinci lingakwazi ukugcina imali eninzi kwimali. Imali echithwe kwi-akhawunti yindleko ngqo yento ethengwayo.
Indlela ekhuselekileyo yokuhlawula
Ikharityhulam yebhanki yamashishini encinci yindlela efanelekileyo yokuhlawula ukuyisebenzisa. Enyanisweni, inikezela ngokubanzi umonakalo kunye nokuba kwezinto ezithengiweyo. Ininzi yamakhadi okukhawuleza anikezela ukufikelela kwiintsuku ezingama-90 ukususela ngosuku lokuthenga.
Ukuzonwabisa
Amakhadi e-Debit akulungele ukwenza iintlawulo. Uninzi lwabantu lukhetha ukusetyenziswa kwamakhadi okukhawuleza ekuthwaleni ukuhlola okukhulu. Ngaphezu koko, ukubhala isheke kunokuchitha ixesha xa kuqhathaniswa nokutshiza ikhadi lokukhwabanisa. Amakhadi atyala angasetyenziselwa ukubuyisela imali kwiintengo ezithengiweyo. Ngaloo ndlela, akukho mfuneko yokwenza iindwendwe ezininzi kwiATM okanye kwibhanki.
Akukho mngcipheko wokwakha ityala elibi
Into eyona nto enokuthi yenzeke kwi shishini elincinci kukuba wenze iindleko ezikhawulezileyo kwikhadi lekhredithi yoshishino okanye usebenze iindleko ezinkulu ezingakwazi ukuhlangabezana nazo. Oku kungagqiba ukuphazamisa ukuthengwa kwemboleko kwishishini elincinci. Ukusetyenziswa kwamakhadi e-debit kulungele ngokukodwa kumaxesha ekunciphisa imali xa inkampani ibona ubunzima ekwenzeni iintlawulo.
Ukwamukelwa Kwehlabathi
I-Visa ne-MasterCard yindlela yokufumana intlawulo ehlabathini jikelele. Ibhizinisi elincinci elisebenzisa ikhadi lokukhwabanisa liyakonwabela konke ukulungeleka kokwenza iintlawulo nanini naphi na apho bafuna khona. Ukwenza ukuthengwa kwendawo okanye nakwamanye amazwe kuyenzeka ngokusebenzisa ukusetyenziswa kwamakhadi e-debit. Ukongezelela, kunokwenzeka ukulayisha kwakhona nayiphi na imali enoba ibhizinisi elincinci lifuna. Oku kwenza ukuba kube lula kwaye kuyindlela efanelekileyo yokufezekisa ezininzi zezoshishino .
Indlela yokufumana iKharithi yeMali yeDebit
Ukufumana ikharityhulam yebhanki yebhanki, kubaluleke kakhulu kwishishini ukuba libe neengxelo zenkqubo zeChex ezifanelekileyo kunye nekhredithi enhle ngamaziko ayo emali . Ikhredithi embi ingonakalisa amandla okwenza ishishini elincinci ukufumana ikhadi lokubambisa. Nangona kunjalo, ukufumana ikhadi lokubambisa akubandakanyi ubuninzi beehlanzi.
Ezi zilandelayo zi nyathelo ezilula zokuthabatha ekufumaneni ikhadi lokubambisa kwi-shishini.
1. Fumana iimfuno zokuvula i-akhawunti yebhankini ebhankini. Apha, ibhanki icela iimfuno ezithile ezifana nelayisenisi yezorhwebo, inani elincinci ukuyibeka kunye negama lebhizinisi. Imiqathango apha ihlukileyo neyokuvula i-akhawunti yakho.
2. Qala ukuvula i-akhawunti yebhanki yebhanki. Omnye ufuna ukuqhagamshelana nommeli webhanki ukucacisa i-akhawunti efanelekileyo kubo kuxhomekeke kwiimfuno zabo zoshishino.
Khetha i-akhawunti engaphelelanga.
3. Emva kokuvula i-akhawunti yebhishini , faka isicelo sekhadi lokukhangela ibhizinisi. Ngokuqhelekileyo, kukho ibhokisi yokukhangela ebuza ukuba ngaba umfaki-sicelo unesidingo se-debit kwaye ngoko kufuneka ihlolwe. Ibhanki yenza iinkcukacha kunye nesinyathelo esilandelayo senza iPIN yakho.
4. Khetha iPIN ekhethiweyo. Ezinye zeebhanki ziyabanika abafaki-zicelo iiphini zabo zeekhawuntini kodwa ezinye ziza kushiya abo bafake izicelo. Kule ndawo, omnye uza kugqiba yonke i-card yebhanki kwi-shishini.
Ukwenza ibhizinisi kunokulula kakhulu ngokusetyenziswa kwamakhadi e-debit business . Mhlawumbi, kuyona ndlela eyona ndlela ibhetele yokuphelisa ezininzi iintlekele ezazisetyenziswa ekuqaleni kwindlela zokuhlawula.