Iingenzi-nzuzo zingabinceda njani abaxhasi ngokukhusela i-Credit Card

Indlela Yokuthatha Isenzo Ngoku Kukunceda Abaxhasi Ukuphepha Ukukhwabaniswa Kwekhadi Lentengo

Akuthi ngaphandle kokuba izibonelelo ezingenzi nzuzo. Ngaphandle kwabo, umbutho wakho awuyi kukwazi ukusebenza. Ngenxa yesi sizathu, kubalulekile ukuhamba ngokucwangcisa inkqubo yokuqokelela ngeminikelo, ngakumbi xa uqokelela loo mnikelo kwi-intanethi .

Njengento engenzi nzuzo, umbutho wakho kufuneka uthathe amanyathelo okuzikhusela kwikratshi yekhredithi. Ingaba uvimba idatha yabanikeli bakho okanye uthathe amanyathelo okukhusela izikhwama ezijolise kumbutho wakho, kukuxanduva lwakho ukuqinisekisa ukuba imigaqo yokukhusela ikhona.

Kule ngqaku, siza kuxubusha:

• Izigameko zokunikela ngeenkonzo ezingenzi nzuzo.
• Iindlela zokukhusela ukukhwabanisa kwekhadi lesikweletu.
• Ukukhetha inkqubo yokukhokha ethembekileyo.

Ulungele ukufunda ngakumbi ngokukhusela umbutho wakho kunye nabaxhasi bakho ekukhwabaneni? Nakhu okufuneka ukwazi.

Iingxowa-mali eziNcedisayo eziNcedisayo

Nangona unokucinga ngokungafani nentsingiselo yakho ngaphandle kweshishini , xa kuziwa ekufumaneni iminikelo kunye nokucubungula loo ntlawulo, inhlangano yakho ibhekane neengozi ezifanayo zobuqhetseba njengenkampani enenzuzo.

Ukuphatha ulwazi lwekhadi lomntu wesikweletu luza kukuvula ukuze lujoliswe ngabagculeli, abaculi bezobuqhetseba, kunye namasela angabonakali, kwaye akunandaba nabankohliso ukuba ungumbutho onobubele. Enyanisweni, ukungenzi-nzuzo kudla ngokujoliswe ngqo kuba ngamanye amaxesha bayakuhoxisa amanyathelo okukhuselwa kwentlawulo amabhizinisi asetyenziswa njengendalo yesibini.

Makhe sihlolisise izibalulo ezibini eziqhelekileyo ezingabalulekanga.

UKUPHATHISWA: Iinkcukacha ezingakumbi, ezingenzi-nzuzo zikhuthaza abaxhasi ukuba banike nge-ACH (i-automated cleaning house). Kwakhona kuthiwa iintlawulo zemali-mboleko ezithe ngqo, iintlawulo ze- ACH zikho ezinye kwiintlawulo zekhadi zekhredithi ezisusa imali ngqo kwi-akhawunti yebhanki nganye.

Nazi izizathu ezimbalwa zokuba kutheni ukungenzi inzuzo kunokukhetha iintlawulo zeACH ezivela kubanikeli:

• Umgca ophantsi. Kukho imirhumo embalwa enxulumene neentlawulo ze-ACH kuneentlawulo zekhadi lesikweletu. Xa uqhuba ukuthengiswa kwe-ACH, inhlangano yakho inomrhumo omnye weplati. Xa unikela ngekhadi lesikweletu, uhlawuliswa umrhumo weplati kunye neepesenti zentengiso, zombini ezo zihluka ngohlobo lwekhadi lekhredithi elisetyenzisiweyo.
• Ukuzonwabisa. Yonke into oyifunayo ukuqhuba inkokhelo ye-ACH yile nombolo yokuhamba kwe-akhawunti yebhanki. Phantse wonke umntu unayo i-akhawunti yebhanki, kodwa akubona bonke abantu basebenzisa amakhadi okanye i-credit card. Xa unxusa iminikelo, kubalulekile ukubhenela kubanini baninzi abanokubanceda, ngoko kuyacaca ukuba samkele iintlawulo ngeendlela ezininzi abantu abanokuzisebenzisa.
• Iminikelo ephindaphindiweyo. Iintlawulo ze-ACH zixhaphake ngokukhethekileyo ezingenzi-nzuzo kuba zinokusetyenziswa ngokulula ukuseta ishedyuli yokunikela rhoqo . Ngenxa yohlobo lwaso oluphantsi kunye nokuseta ngokufanelekileyo, amaninzi angenzi nzuzo ngoku akhuthaza abaxhasi abaphindayo ukuba banike ngeentlawulo ze-ACH.

Nangona kunjalo, ngenxa yokuba ukungenzi nzuzo kuqhubeka ngokusebenzisa iintlawulo ze-ACH ukuxhaswa , abakwa-scammers bathathe inqaku. Abaqhetseba bangabamba inombolo ye-akhawunti yokubamba i-akhawunti yebhanki ngokuloba okanye ukukhwabanisa kwedatha. Yile ndlela i-scam edlala ngayo:

1. Okokuqala, baya kwenza umrhumo omkhulu usebenzisa inombolo yebiwe.
2. Ngomso olandelayo, baya kuqhagamshelana nombutho wakho kwaye baqinisekise ukuba umnikelo ube yimpazamo. Ngokomzekelo, basenokuthi banenjongo yokunikela i-$ 10.00 kodwa babhala ngengozi i-$ 1000.00, okanye bathi bangagunyazisi umnikelo nonke.
3. Emva kokuba benze ibango labo, baya kucela ukubuyiselwa imali kwikhadi lesikweletu okanye nge-check.
4. Emva koko, baya kuqhagamshelana nebhanki ehambelana nenombolo yokuhamba kunye nokuchaza ukuba ukungenzi nzuzo kwasusa umnikelo ongagunyazisiweyo, ucela ukubuyiselwa imali.

Ngoku baye baphindaphinda kabini inani lokubuyisela ubuqhetseba. Ngenxa yokuba inokubuyisa ukubuyiswa okuphezulu, ukungenzi nzuzo I-ACH i-scamming iye yaziwa kakhulu ngamasela e-intanethi, kwaye kufuneka uyithathe ingqalelo xa ukhusela umbutho wakho ngokulwa nobuqhetseba.

Ifomu lokunikela ngobuqhetseba: Olu hlobo lokusela inthanethi olujolise ngqo kwiingeniso. Abaninzi abancinci basebenzisa iifom zenkxaso kwi-intanethi ukuvavanya amanani amakhadi ebiwe ngamakhadi. Ngenxa yokuba abanye abangenzi inzuzo bakhetha ukusebenziseka ngokusetyenziswa kokukhuseleko lwe-cyber xa bedala ifomu zenkxaso, ngokungazenzisi benza kube lula kumasela afuna ukuvavanya amanani amaninzi abiweyo ngokulandelelana ngokukhawuleza.

Ukufana nokukhwabanisa kwe-ACH, ifomu lenkxaso yokukhwabanisa kuquka ukucela ukubuyiselwa kweminikelo yonyani eyenziwa ngu-scammer. Umgca udlala ngokufana nale:

1. Okokuqala, amasela aya kusebenzisa ifomu lakho lomnikelo ukuqinisekisa ubungqina beenombolo zekhadi ababibiweyo. Basenokuzama iininzi zeminikelo encinci usebenzisa amakhadi ahlukeneyo; xa beyidlula, bayazi ukuba bayayisebenzisa ukugqiba i-scam. Le nkqubo iyaziwa njengekhadi yokuwa.
2. Okulandelayo, baya kwenza umnikelo wobuxoki baze bacele ukubuyiselwa kwemali ngendlela efanayo.

Okubaluleke kakhulu ukuhlukanisa ifomu lokukhwabanisa kwi-ACH ukukhwabanisa kukuba kulula ukubona phambi kokuba kwenzeke, kodwa kunokuhlawula ngakumbi xa isela lingena kwiintsikelelo. Emva kokubuyiselwa kwembuyekezo, uya kuhlawula umrhumo wokuhlawula xa ibhanki ibona ukuba ukuthengiselana kwakubuqhetseba.

2. Iindlela zokukhusela ukukhwabanisa kwekhadi leKredit Credit

Nangona amasela anokujolisa ekungenzi nzuzo ngenkohlakalo yokukhwabanisa, oko akuthethi ukuba kufuneka ube yidada ehleli. Kukho amanyathelo ongayithatha ukuphepha ukuba ube yixhoba, kwaye, ukuba uthatha ukhuseleko ngokukodwa, uya kukhusela umbutho wakho kunye nabaxhasi bakho.

Nazi iindlela ezimbalwa eziphambili zokukhusela amasela ekujolise ngempumelelo.

Qinisekisa ukuba abaxhasi banokufikelela kwikhadi abasebenzisayo. Amanqabana amaninzi kumakhadi akhredithi ayinayo ikhadi lekhredithi enobani ababibileyo. Nangona kunjalo bafumana inamba yekhadi, ngokuphindaphindiweyo kunokuba bangazi, baninzi kakhulu kumnini-khadi okanye amakhadi abo. Ngenxa yesi sizathu, umbutho wakho unokuhlala ukhula ngetyala lobuqhetseba ngokwenza kube nzima ukusebenzisa amanani ekhadi ngokungekho mthethweni:

• Ukuqinisekiswa kweCVV2. Inombolo yeCVV2 yekhadi yikhowudi emfutshane efunyenwe ngasemva kwekhadi lesikweletu. Ufuna ukuba abaxhasi be-intanethi bafake le nombolo xa befaka ulwazi lwabo lwekhadi, kwaye mhlawumbi uya kususa abaphangi abangenakho ukufikelela kwikhowudi.
• Ukuqinisekisa idilesi (AVS). I-AVS iqinisekisa idilesi yentlawulo ye-donor kunye nekheli lakhe kwibhanki inefayile. Oku kunokwenziwa ngemizuzwana, kwaye xa isela lingayazi idilesi echanekileyo, akayi kukwazi ukuqhubeka ne-scam.

Qinisekisa ubunikazi bekhadi. Enye indlela yokwenza kube nzima ukugxininisa ukujongana nombutho wakho kukufuna ukuba abaxhasi baqinisekise ubungqina babo ngaphambi kokugqiba ukuthengiselana. Nazi amanyathelo ambalwa ongayithatha ukuqinisekisa ubungqina bomniki-mali:

• Ukuqinisekiswa kweedesi ye-BIN / IP. Kufakwe kuwo onke amanani ekhadi ulwazi oluchonga ibhanki lomnikazi wekhadi, elibizwa ngokuba yiNombolo ye-ID yeBhanki (BIN). Xa uqhuba umnikelo, qhathanisa idilesi ye-IP yesibonelelo se-IP kunye ne-BIN yabo. Ukuba benza umnikelo wabo kwilizwe elihlukile kunekheli labo le-IP, le nto ingaba liflegi ebomvu.
• Ukuqinisekiswa kwe-2-factor . Unokuqinisekisa ubungqina bomniki-mali usebenzisa inkqubo ye-2-authentication process. Ngaphambi kokugqiba umrhumo, umsebenzisi uya kufuneka aqinisekise ubume bakhe ngeSMS okanye kwelinye iqela lokunxibelelana.

Yenza ifomu lakho lomnikelo libe likhulu kakhulu. Abaninzi abangenzi nzuzo banamahloni ekusebenziseni iifom zenkxaso ephezulu kwi-intanethi kuba abafuni ukwenza kube nzima kunokuba kufuneka ukuba banike abaxhasi ukugqiba umnikelo. Nangona kunjalo, ifom yefomu yakho elula, kulula kakhulu ukuba izakuxhatshazwa ngabagxeki. Unokwenza ukuba ifomu lakho linikeze ukhuseleko ngakumbi ngokusebenzisa ezi zicwangciso ezimbini:

• Ifuna inani elincinci lokuthenga. Ukuthintela ubuqhetseba bokubuyisela ubuqhetseba, ungadinga inani elincinci lomnikelo ngaphambi kokugqiba intengiso. Oku kunokuba kubonakale kungenasi-intuitive, kodwa abaninzi abaninikeli banikela ngaphezu kwama-$ 15 xa banikela. Ukuba awuwamukeli umnikelo omncinci , awuyi kuphinda ulahlekelwe.
• Sebenzisa ukubethela / ukunyusa. Nge-encryption kunye nokunyusa, ulwazi lweentlawulo zabanikeli luya kuba yikhowudi efundwayo kuphela yinkqubo yenkokhelo yokuhlawula. Ukuba amasela adiba idatha yakho, abayi kukwazi ukukhipha ulwazi lomnikeli.

Qaphela: izicwangciso zokukhusela ubuqhetseba kunye nezicwangciso zokukhusela ziphuthuma ngokukhawuleza ukulwa nentuthuko eyenziwa ngabagxeki be-intanethi. Unganeliseki nje ngeendlela zokukhusela ezisebenzayo ngoku. Cinga ngokhuselo lobuqhetseba njengenkqubo eqhubekayo onokuhlala uphucula.

3. Khetha ipropati yokukhokha ethembekileyo

Ngoku ukuba uyazi ngakumbi malunga neentlobo zobuqhetseba obungenzi nzuzo onokujamelana nazo kunye nendlela yokukhusela ukukhwabanisa ukuba kwenzeke, kukho enye into efunekayo ukuba uyayazi: indlela yokukhetha inkqubo yokukhokha inokuthenjwa.

Iiprojekti zentlawulo ziyi-platforms ezisekhompyutheni eziququzelela ukuthengiselana. Ukuba umbutho wakho sele uqokelelele ngeminikelo ye-intanethi, unayo enye. Nangona kunjalo, ukuba ungamkeli iminikelo kwi-intanethi ngoku, okanye ukuba awuqinisekanga ukuba iqonga eliyisebenzisayo lifanelekileyo, lihlala luncedo ukuqwalasela oko kukhangela kwiprosoftor yokukhokha.

Njengoko unokuqwalasela ngenyameko nayiphi na isofthiwe yakho engenzi nzuzo, kufuneka ukwazi ukuba ulindele ntoni kwiprosoftware yakho yokuhlawula. Nazi ezinye zezinto ezibalulekileyo zokukhusela zobuqhetseba obufanele uzijonge kwinkqubo yokuhlawula:

• Ukuthotyelwa kwePCI. Ukuthotyelwa kwe-PCI kubhekisele kumgangatho weNkqubo yokuKhutshwa kweNkcukacha yokuKhuselwa kweNkcazo ukuba bonke abaprocesari bokuhlawula abafanelekileyo kufuneka badibane. Ukuba inkqubo yakho yokuhlawula ayinelisekisi le migangatho, zombini intlangano yakho kunye nesigqeba sinokujamelana neentlawulo ezinkulu kunye nezoxanduva lomthetho.
• Ukuphatheka kwedata. Naluphi na idatha idatha yakho yesikhulumi isindisa kwi-nonprofit yakho kwaye abaxhasi bakho kufuneka babe nokuphathekayo, oku kuthetha ukuba unako ukuthumela idatha yakho yomnikeli kwiqonga elithile xa ukhetha ukuhamba. Awufuni ukuthinjwa kwiqonga onokuthi uphume, okanye ulahlekelwe yiyo yonke idatha yakho ukuba iqonga liye lahleka.
• Uncedo lokhuseleko lwexesha elide. Iqonga lakho kufuneka lixhase uncedo lokhuseleko lwe-24/7 onokuyithemba ukuba umzamo wokukhwabanisa ukwenziwa kwiwebhusayithi yakho. Unako ukubeka phambili zonke iinkqubo zokukhusela kwihlabathi, kodwa ukuba unalo iqela elizinikezele ukuxazulula imiba njengoko iphakama, uya kuba usengozini yokukhwabanisa.
• Ba namava angenzi nzuzo. Amava engenzi-nzuzo yinto ebaluleke kakhulu ukuyijonga xa ukhetha inkqubo yokuhlawula. Njengoko kuxoxwa ngaphambili, ukungenzi nzuzo kunobungozi obuthathaka kwi-inthanethi yobuqhetseba, kunye neprojekthi yakho yentlawulo kufuneka uqaphele izinto ezisongelayo umbutho wakho.

Ngaba kufuneka uqhube ukuhlawula intlawulo? Khangela esi sikhokelo sohlolo olubanzi.

INkundla kaNielsen ngumphathi wobudlelwano bomlingane kwiIATS Payments. Ngethuba lokuhlala kwakhe kwexesha elide kwi-iATS, unelungelo lokuma phambi komsebenzi wezobuchwepheshe wezekhnoloji ezihambela phambili kwaye ubone iingxaki ezingekho nzuzo kwiintlangano zemihla ngemihla. I-Courtney inceda uncedo olungenalo inzuzo ukufumana izimpendulo zempumelelo kunye neempumelelo.