Abaxhasi bathanda ukulungelelanisa kunye neentengo abazenzayo xa behlawula ngekhadi lesikweletu; kunye neenzuzo ezingenzi nzuzo ukusuka kwiqoqo elikhawulezayo leemali. Enyanisweni, abaxhasi abayi kuphinda babuyele ukuze banikeze entlanganisweni yakho ngaphandle kokuba uthathe amakhadi ekrediti.
Abantu abaninzi, ngakumbi abancinci, babhale ambalwa ukuhlola kwakhona. Ngaphezulu, iintlawulo ezingenasiphelo zeentlobo zonke ziye zamukelwa ngakumbi.
Nangona kunjalo, abaqhubi bekhadi lokuthenga ngetyala banamathengisa uluhlu lwemali eyanzima ukuyiqonda, kwaye oko akunakulungele ukungenzi nzuzo. Nantsi imimiselo nemirhumo oza kuhlangana nayo.
Iimali zeAkhawunti yeMarhwebo
Nabani na owenza intsebenziswano ngekhadi lesikweleti ibhalwe ngumrhwebi ngamakhampani ekwenziwa kwekhadi lokuthenga ngetyala, ngoko ke i-akhawunti yakho yokucwangcisa iya kuthiwa yiAkhawunti yeMthengisi . I-akhawunti yomthengisi yile akhawunti yezimali apho kukho iintlawulo. Amaziko eemali akhupha i-akhawunti yomrhweba athatha ingozi yemali ukuba umnini-mkhawulwano uphathelene nokuthengiselana, ngoko ke isicelo se-akhawunti yomrhweba phantse kubandakanya ukubonelela ngolwazi lwezemali oluyimfuneko yokuphononongwa ngetyala.
Imali yexesha elilodwa
Kukho rhoqo iirhafu ezihlawulwayo ngokuza kusekwa nge-akhawunti yomrhwebi. Zingabizwa ngokuba yiNkqubo yeMali, iiMali zokuPhakamisa, okanye iiMali zokuFaka i-Gateway, kodwa zonke zimela iindleko zokuqalisa nge-akhawunti yakho yomrhwebi.
Kusenokwenzeka ukuba uhlawule isofthiwe okanye izixhobo ezifunekayo ukucwangcisa ukuthengiselana kwakho. Le ntlawulo ingaba yintlawulo eqhubekayo yanyanga zonke xa ubhalisela isisombululo esiphezulu sewebhu, okanye ukuba izixhobo ziqeshwe.
Imali ye-Akhawunti yenyanga
Phantse yonke i-akhawunti yomrhwebi iya kuba nelinye uhlobo lwemali yenyanga. Ingabizwa ngokuba ngumrhumo we-statement, imali ye-akhawunti, okanye intlawulo yeengxelo, kodwa yindleko eqhubekayo yokuba ne-akhawunti ikhoyo.
Amanye ama-akhawunti aneentlawulo ezininzi zenyanga eziqhelekileyo ukusuka kwi-10-30 / ngenyanga. Ezinye iingxelo zinokubeka umrhumo omncinci wenyanga kunokuba / okanye ukongeza kwiimali zenyanga.
Imirhumo yokuThengiswa kunye neNqanaba lokuSaphuhlisa
Ngokuqhelekileyo, kukho izinto ezimbini kwiindleko zokucubungula umthengi ngamnye: umrhumo wento nganye (ngokuqhelekileyo phakathi kwe-$ 0.20 kunye ne $ 0.50) kunye nemali eyinxalenye yexabiso lokuthengiselana, elibizwa ngokuba yi-"Rate Rate".
Isilinganiso sokunciphisa singahluka ngokubanzi ukusuka kwiprojekithi enye ukuya kwelinye. Ngokuqhelekileyo iphakathi kwe-2-4%, ngokusekelwe kwimiba yekhadi lesikweletu kunye nendlela yokusetyenziswa esetyenziswayo. Ngokomzekelo, ukuba izinga lokunciphisa linikezelwa ngu-3%, kwaye ufumene intlawulo ye-$ 100 uya kuthi uhlawulwe i-$ 3 ukuze uhlawule umrhumo. Uninzi lwale mali luya ekhadini elikhupha inkampani njengeVisa, MasterCard, njl. (Babiza le nto 'Imali yokutshintshana').
Kunzima kwaye kunzima ukuthelekisa le mirhumo kubakho amanqaku amaninzi athengisa imali. Ngamanye amaxesha amaxabiso okuphuhlisa aphuhliweyo kwizinga lokutshintshana kunye nentlawulo eyongezelelweyo evela kwinkampani eqhuba kwaye ithumele ukuthengiselana kwiinkampani ezahlukeneyo zekhadi lesikweletu.
Ukongezelela, kukho amazinga amaninzi ahlukeneyo anokufaka isicelo kwintengiselwano, kuxhomekeke kuhlobo lwekhadi elisetyenzisiweyo.
Oku akukona nje kuphela ukuba yiVisa, MasterCard, okanye Discover, kodwa kwakhona nokuba yiKhadi leMvuzo, ikhadi lekhredithi, ikhadi le-Debit, njl. Ezinye izinto ezichaphazela le ntlawulo ziquka indlela ukuthengiselana kuqhutyelwa ngayo (i-swiped, keyed in) kwaye nangona idlulisa iimvavanyo ezithile zokukhusela ukukhwabanisa ezifana "Ngaba idilesi ehambelana nomdlalo wokuthengiselana idilesi yentlawulo yekhadi lesikweletu?"
Iikhampani zekhadi zekhredithi zithi amaxabiso ahlukeneyo abonisa amanqanaba ahlukeneyo 'engozi' yile nkampani. Basenokuvakalelwa, umzekelo, ukuba kukho umngcipheko ophezulu wokuthengiselana okwenziwe ngaphandle kwekhadi lomzimba, ngoko uhlawulisa iifowuni, i-imeyile kunye ne-intanethi.
Ngenxa yokungenzi inzuzo, ezininzi iintengiso zenziwa ngefowuni, ngeposi okanye kwi-intanethi, ngoko ke ziwela kwicandelo elibizwa ngokuthi "ikhadi elingenayo" okanye "umyalelo wenxeba yeposi (IMOTO)".
Iirhafu zokucubungula i-MOTO zingahluka ngokubanzi ngokusekelwe kumhlobo wekhadi kunye nomthamo wokusebenza kombutho wakho, kodwa kuya kuba ngaphezulu kunezinto ezithengayo.
Iintlobo zekhadi kunye nezindlela zokucwangcisa zihlala zichaphazela iirhafu ezihlawulwe ngokumisela ukuba ukuthengiselana kuthathwa njenge "ukufaneleka" okanye "ukungafaneleki." Iintlawulo ezingenzi-mfanelo zihlawulwa ipesenteji eziphezulu okanye ezongezelelweyo. Ngelishwa, akukho migaqo yoshishino kumashishini athengiswayo.
UkuCwangciswa kweKhadi lokuTyala ngeeNkcitho ezingenzi-nzuzo: Ngaba unelungelo lakho?
Kukho iinkampani ezijolise ekuqhutyweni kwekhadi lokuthenga ngetyala ngeenzuzo. Ngokuqhelekileyo banika neenkonzo ezininzi ezilungiselelwe ngokukodwa ukukunceda uxwebhu kunye nokugcina imizamo yokuxhasa imali kunye neeprojekthi. Iinkokheli kule ndawo ziyi-DonorPerfect kunye ne-Raiser's Edge. Ukuba i-nonprofit yakho iya kubandakanyeka kwinkqubo eyinkqutyana yokuxhaswa kwemali, uya kufuna ukujonga ezi nkqubo.
Uninzi olungenzi nzuzo lusebenzisa i-intanethi yokucwangcisa izibonelelo ezifana ne-Network for Good. Akukho zindleko zokumiselwa, kwaye isakhiwo sentlawulo sithe ngqo. Kukho izibonelelo kunye nokungahambi kakuhle kwezi nkonzo, kwaye nokuba uyazisebenzisa zixhomekeka kwiinjongo zakho zokuxhaswa kwezimali, ubukhulu bezinto ezingenzi nzuzo, kunye nezibonelelo onakho. Abaprofeti benkampani yesithathu bayakuvumela ukuba ufake uphawu olungenzi-nzuzo kubaxhasi (ngamanye amaxesha ngemali eyongezelelweyo). Ukuba unako, qiniseka ukuba ulondoloze amandla okudibanisa ngqo nomnikezeli ngenkxaso yangomso.
Ezinye izingosi zokunxibelelana kwezentlalo ziye zavela kwi-intanethi, apho abalandeli abanokunikela, baququze abahlobo ekuxhaseni, baze baxoxe ngezenzo ezingenzi nzuzo. Uninzi lwemibutho emikhulu, yesizwe inokufumaneka kwezi ndawo.
Ukuqaphela isisombululo esiphezulu sekhadi lesikredenti kwi-nonprofit yakho ayilula. Uzakufuna uphando, uthetha kunye neontanga zakho ezingenzi nzuzo, kwaye ukhangele ezinye iinketho ngaphambi kokuba wenze isigqibo. Kwakhona, gcina ukhuseleko engqondweni. Ikhadi lokuthenga ngetyala kwaye ngokukodwa ikhadi lekhredithi elisetyenziselwa i-intanethi linokuba neethagethi ezicebileyo .
Ulwazi malunga nemimiselo yekhadi yamatyala kunye nemirhumo yale nqaku iye yanikezelwa ngu-DonorPerfect, onika ulwazi olongezelelweyo malunga neendlela zokulungisa iintlawulo .