Ukunikezwa rhoqo ngenyanga kunika iNdlela yokuPhumelela iNgxowa-mali
Ziziphi izipho ezingagunyaziswanga?
Izipho ezingagunyaziswanga (ezibizwa ngokuba ziphindaphindiweyo, rhoqo ngenyanga, zigcinwa okanye zinikezela rhoqo) ziyimvumelwano nje apho umniki-mvume ugunyazisile umbutho wakho ukuqokelela ngokuzenzekelayo inani elithile inyanga nganye (okanye omnye umjikelezo).
Ugunyaziso lungaba lixesha elide, okanye mhlawumbi linokuba lixesha elingenammiselo (umz. Kuze kube yilapho umnikeli ekhetha ukuyiyeka). Oku, ukuba kunjalo, kuthetha ukuba abaxhasi bakho abanakuze benze esinye isigqibo nokuba ngaba banganiki okanye banganiki.
Izipho ezingagunyaziswanga zingaqokelelwa ngeendlela ezininzi zokudluliselwa kweemali ze-elektroniki (EFT), kubandakanywa iintlawulo ngekhadi lesikweledu okanye ngokukhawuleza ngqo kwi-akhawunti yokujonga okanye yokulondoloza i-akhawunti.
Nangona iintlawulo zekhadi zekhredithi zivame ukuba zithandwa kakhulu ngabaxhasi, iiprojekthi zebhanki (eziqhelekileyo ezibizwa ngokuba yi-ACH transactions ngenxa yokuba zicutshungulwa kwinkqubo ye-Federal Reserve ye-Automated Clearing House (ACH). imihla yokuphela.
Kutheni kusungula inkqubo yokunikezelwa okungavumelekanga?
Kukho iinzuzo ezininzi ekuphuhliseni inkqubo yokunikezelwa engagunyazisiweyo, ngoHarvey McKinnon, umbhali weHidden Gold kunye negunya eliphambili kwiinkqubo zokunika inyanga zonke.
Incwadi yakhe inika uluhlu olulandelayo lwezibonelelo ezinyanzelisayo.
- Ukwandisa ngokukhawuleza ingeniso yakho yonyaka
- Yakha ubudlelwane obuhle kunye nabaxhasi bakho
- Abaxhasi baya kuhlala besinika ixesha elide
- Imali engenayo yenyanga inika ingxelo
- Nciphisa iindleko zokuxhaswa kwezimali
- Imali iya kukhula emva kwexesha
- Ukunikezwa kwenyanga kukulungele
Ngokomphando oxhaswe yi-MasterCard International, kuphela aba-3% abaxhasi baxelayo basebenzisa amakhadi ekweretheni ukwenzela ukuba benze iminikelo ngokuzenzekelayo, kodwa i-28% ithi mhlawumbi baya kucinga ukuba benze iminikelo eqhubekayo xa kunikwa inhlangano yabo ekhethiweyo.
Inkohlakalo engenakulinganiswa ekunikezeni ukhetho olungagunyazisiweyo luboniswa yimpumelelo yemibutho eye iqalile iiprogram. I-Action Action, ngokomzekelo, ngoku iqhuba amawaka eminikelo engagunyaziswanga nganye nyanga, i-$ 30,000- $ 40,000 kwizipho.
Indlela yokuphunyezwa kweNkqubo yoNika iPrint
Ukuseka inkqubo ephumelelayo kuya kufuna amanyathelo amaninzi:
- Ukufundisa abasebenzi bakho nabaxhasi malunga neminikelo eqhubekayo nge-EFT.
- Ukuphuhlisa iindlela zokucebisa ukufumana iminikelo eqhubekayo.
- Qinisekisa ukuba iteknoloji ukulawula ngokulula nokukhupha izipho eziphindaphindiweyo.
- Uvavanyo lweenkqubo kunye neenkqubo.
Indima yeThekhnoloji
Mhlawumbi ithuluzi elibaluleke kakhulu ekudaleni nasekugcineni isicwangciso sesipho esiphindayo esiyimpumelelo sinokuthi uHarvey McKinnon ubiza njani "inkqubo esebenzayo yokuphendula." Oku kubandakanya inkqubo yolawulo lwababani kunye ne-EFT kunye nokuthengiswa kwekhadi lokuthenga ngetyala.
Inkqubo yoLawulo lwaBaniki
Inkqubo efanelekileyo yokulawulwa kwabaxhasi yinto engaphezulu nje kwenkcazelo yabaxhasi kunye namathemba.
Kufuneka ikubonelele izixhobo ezenza kube lula kwaye kulula ukuphatha imisebenzi enxulumene neprogram yakho yesipho esingekho mthethweni (kunye neminye imizamo yakho yokwenza imali), njengale:
- Gcina ulwazi olupheleleyo lwababanikeli / ulwazi
- Ukulandelela umgca opheleleyo wokunika imbali ngokubala ngokuzenzekelayo kwesishwankathelo sesipho ngonyaka
- Ukucela isizukulwana / Ukulandelela
- UkuPhathwa kweZipho / i-Pledge
- Ukubika
EFT Transaction Processing
Nangona ezininzi ezingenzi nzuzo ziye zaqala ukufumana amakhadi ekredithi kwi-intanethi okanye ngeminikelo yesikhathi esisodwa, kubalulekile ukuba uqaphele ukuba ukuthengiswa okuqhelekanga okuqhutyelwa ngokuqhelekileyo kubhekwa njengetyeki kwaye ngoko ke banezinto ezithile ezikhethekileyo. Ngokuqinisekileyo awufuni ukuchitha ixesha kunye nokwandisa amathuba okuphutha ngokufaka amanani ekhadi lesikweletu kunye neemali kwisithuba sekhadi lesikweletu nganye ngenyanga.
Njengoko siphinde siqaphele, mhlawumbi ufuna ukunika ukhetho lwenkokhelo nge-debit ngqo (ACH), efuna uhlobo oluthile lwe-akhawunti yokucwangcisa.
Qaphela izicwangciso zokucwangcisa ze-EFT ezingahlanganisi kunye neenkqubo zakho zolawulo. Nangona bangakuvumela ukuba wenze i-automate inkqubo yokuvelisa nokuqokelela ukuthengiselana, mhlawumbi unika izibonelelo ezininzi ezibalulekileyo.
Isiphelo
Inkqubo yokunikela rhoqo yindlela enkulu yokunyusa ukubaluleka kwexesha lokuphila kwabaxhasi bakho ngelixa ukunciphisa iindleko zokuxhaswa kwemali kunye nemizamo. Ukuphuhlisa umvuzo wenkxaso ngokuphindaphindiweyo ufuna ukuba ufundise kakuhle abasebenzi kunye nabaxhasi, ujolise ngokucokisekileyo kwaye uvavanye ukucela ukuba uthathe inxaxheba, kwaye uqinisekise ukuba unesistim sokugqibela esiphezulu nesiphendulayo (ukuxhaswa kwabaxhasi kunye nokucutshungulwa kwemisebenzi) ukwenzela ukunciphisa umzamo wolawulo. Nangona impumelelo ingathatha ixesha kunye nomzamo, umphumo wokugqibela ufanelekile.
Eli nqaku linikeziwe ngu-DonorPerfect .