Kupeza - ndi chiyani ndipo ndi chiyani? Tanthauzo ndi tanthauzo la mawu oti + TOP-12 kupeza mabanki ndi njira zomwe angasankhe

Moni, owerenga okondedwa a Magazini azachuma a Ideas for Life! Munkhaniyi, tiyeni tikambirane za kupeza: ndi chiyani, ndi mitundu iti ya kupeza, momwe imagwirira ntchito komanso yopezera chiyani.

Mwa njira, mwawona kuti mtengo wa dola ndiwofunika kale motani? Yambani kupanga ndalama pamasiyana pamitengo yosinthira apa!

Masiku ano, kusayenda kwa ndalama kosapeza ndalama kukuyamba kutchuka. Pomaliza, palibe chifukwa chodandaula ngati muli ndi chikwama chokwanira chilichonse, chifukwa kungotenga khadi limodzi lokha ndizosavuta ngati mapeyala. Kuphatikiza apo, ngati ndalama zanu sizinali zokwanira kugula, mwina mwatero kiredizomwe ndizosavuta kugwiritsa ntchito m'sitolo iliyonse.

Kuchokera m'nkhaniyi muphunzira:

• Kupeza ndi chiyani, ndi mitundu iti ya kugula yomwe ikufunidwa komanso zomwe ili nayo;
• Zomwe muyenera kuyang'ana posankha banki yothandizirana nayo komanso mabanki ati omwe ali ndi maudindo apamwamba mdera lino;
• Ubwino ndi zovuta zake pakupeza.

Nkhaniyi ikhala yothandiza makamaka kwa oyamba kumene amalonda ndipo amalondaomwe akufuna kukulitsa makasitomala awo ndikuchepetsa ntchito ya osunga ndalama, kulola makasitomala anu kuti azilipira ndalama zopanda ndalama... Momwe mungasankhire banki kuti muitanitse ntchitoyi, momwe mungapangire mgwirizano wogwirizana, ndipo koposa zonse, ndi zida ziti zomwe mungasankhe pa izi - werengani pompano!

Za kupeza: ndi chiyani m'mawu osavuta, zomwe ziyenera kuganiziridwa polumikiza ntchitoyi ndi amalonda (munthu aliyense wazamalonda, LLC) ndi ndalama zotani zopezera mabanki - werengani pa

1. Kupeza - tanthauzo m'mawu osavuta + mawonekedwe a kupeza popanda cholembera ndalama 💳

Choyamba, ndikofunikira kufotokozera lingaliro la kupeza.

KupezaNdi ntchito yakubanki yomwe makasitomala amatha kulipira akagula pogwiritsa ntchito khadi yakubanki, osagwiritsa ntchito ndalama pogwiritsa ntchito ma ATM.

Njirayi imakupatsani mwayi wolipira pa intaneti komanso osataya nthawi kuyendera sitolo.

Bizinesi yaying'ono, chifukwa cha izi, itha kukulitsa phindu kwambiri, chifukwa chakuti, malinga ndi kafukufuku, polipira ndi khadi, ogula amawononga, pafupifupi, pa 20% ochulukirapokuposa ndi ndalama.

Ntchito yopezayo imachitika molingana ndi ma algorithm ena, omwe amawoneka bwino pachitsanzo chogwirira ntchito POS osachiritsika:

1. Khadi laku banki lidayatsidwa mu dongosololi, mwachitsanzo, mwiniwake atalowetsa PIN code;
2. Zambiri zaomwe zimatsimikizika ndi makina;
3. Ndalama zimachotsedwa muakaunti ya wogula ndikusamutsidwa kwa woyendetsa;
4. Macheke awiri amaperekedwa: kwa kasitomala ndi wogulitsa;
5. Wogulitsa amasaina cheke;
6. Wofuna chithandizo amapatsidwa risiti kuchokera ku cholembera ndalama.

Pakati pa malo ogulitsa (yomwe imakhala ngati kasitomala) ndi mabungwe abanki mgwirizano wamakampani opezera ntchito zatha... Kuphatikiza apo, banki kapena wothandizirayo amapereka zida zonse zofunikira kuti agwire ntchito.

POS osachiritsika - chida chapadera chamagetsi chosalipira ndalama ndi makadi apulasitiki, omwe amakhala ndi: kuyang'anira, dongosolo unit, zida zosindikizira ndi gawo lazachuma.

Pochita izi, ndalama zolembetsera ndalama kapena malo osavuta a POS atha kugwiritsidwanso ntchito. Kuphatikiza kwa zida zonsezi kumawononga ndalama zambiri ndipo imagwiritsidwa ntchito ndi makampani opambana komanso odziwika bwino. Chifukwa chake koyambirira kwa bizinesi, ndibwino kugwiritsa ntchito kokhako ka POS kokhazikitsira ndalama ndi ntchito zandalama.

Pali njira ziwiri (ziwiri) zogulira popanda kugwiritsa ntchito kaundula wa ndalama:

1. Malo osasunthika kapena osavuta a POS omwe amalumikizana ndi banki kudzera pa SIM khadi;
2. Webusayiti yomwe imalola kuti anthu azilipira ndalama mosasamala pogwiritsa ntchito khadi yakubanki.

Mitundu yamakhadi omwe amawerengedwa ndi malo amagetsi:

• makhadi a kubanki;
• ngongole;
• chip;
• okonzeka ndi tepi yamaginito

Kuti malipirowo achitike popanda choletsa, kulumikizana ndi banki kuyenera kukhazikitsidwa, ndipo payeneranso kukhala ndalama zokwanira muakaunti yolipira zonse.

Ubwino pakampani yogulitsa pogwiritsa ntchito kupeza:

• kuchepetsa mavuto omwe amabwera chifukwa chobwezera ndalama zachinyengo;
• kusowa kwa ndalama zosungira ndalama, ndipo chifukwa chake, kusunga;
• kuwonjezera phindu;
• kukulitsa zosungunulira makasitomala.

Ubwino wogula amene amalipira katundu ndi ntchito pogwiritsa ntchito makhadi aku banki:

• kutha kugwiritsa ntchito ndalama kuchokera mu akaunti ya khadi, osazipeza;
• njira yolipira mwachangu komanso mwachangu.

Kupeza ku Russia kumangotukuka, pomwe padziko lonse lapansi kwapangidwa kale. Chimodzi mwazifukwa zakutsalira uku ndi kusaphunzira kwa anthu ndipo kuchuluka kwa makadi apulasitiki mwa anthu, omwe, pomalizira pake, akhala akuwonjezeka mwachangu mzaka zaposachedwa.

2. Ndi maphwando ati omwe akutenga nawo mbali pakupeza 📑

Pali magulu atatu (atatu) omwe akuchita izi.

1) Bank (Wopeza)

Amapereka ntchito pokonza ndikuchita zolipira zosakhala ndalama. Amapereka malo amtundu wa POS kumalo ogulitsira ndikuwongolera zochitika zonse zomwe zimagwiritsidwa ntchito pogwiritsa ntchito makadi.

Monga mwalamulo, bungwe lolembetsa ngongole lomwe limapereka ndalama zosapereka ndalama kubwereketsa kapena kuyika zida zonse zofunikira pochita izi malinga ndi mgwirizano.

2) Gulu lazamalonda

Kutsiriza mgwirizano ndi banki yomwe idapeza, kuwonetsa zikhalidwe ndi mitengo yonse yoperekera zida, kugwiritsa ntchito malo, kuchuluka kwa mabungwe aku banki, komanso mawu omwe ndalama ziyenera kutumizidwa kwa wogulitsa kuchokera ku akaunti ya wogula. Kuphatikiza apo, bungwe lililonse limatha kulandira ntchitoyi, ngakhale ilibe akaunti ndi bankiyi.

3) Makasitomala

Awa ndi anthu omwe amapereka ndalama zopanda ndalama ku kampani yogulitsa.

Mfundo za kupeza zikhoza kumveka kuchokera pa chithunzi pansipa:

Mfundo yopezera malingana ndi chiwembucho

3. Momwe mungagwiritsire ntchito kupeza popanda kutsegula akaunti komanso nthawi yomwe mungafunike 💎

Kuti mugwiritsidwe ntchito ndi kampani yopanga malonda, simuyenera kungokhala ndi akaunti ku banki, komanso kukhala ndiudindo bungwe lovomerezeka... Chifukwa chake, osatsegula akaunti konse, gwiritsani ntchito ntchitoyi ndendende wogulitsa akupeza zosatheka... Koma komwe akauntiyo imatsegulidwa sizofunikira. Zitha kukhala ngati kupeza bankindipo chiletso china chilichonsekuti.

Popanda kutsegula akaunti yapano mutha kugwira ntchito ndi Kupeza intaneti, yomwe ndi kusamutsa ndalama zopanda ndalama kuchokera ku khadi yakubanki ya wogula makasitomala kupita ku akaunti ya wogulitsa-wogulitsa.

Poterepa, ndizotheka kuyang'anira ndalama pongopereka akaunti ya munthu aliyense wokhala ndi ngongole iliyonse. Kenako chida chopezeka kwa amalonda payekha chimalola kuti asatsegule akaunti yaposachedwa ngati adagwirapo kale ntchito.

Lamuloli limalola amalonda aliyense payekha kulipira ndalama zofunikira za inshuwaransi kwa amalonda payekha (zolipira zolipira) ndi misonkho ndalama polandila, ndiye ngati wochita bizinesi, mwachitsanzo, ali ndi sitolo yapaintaneti, atha kulandira ndalama zopanda ndalama ku akaunti yake.

komaTiyenera kudziwa kuti, ngakhale kulibe lamulo loletsa kugwiritsa ntchito akaunti yanu pazamalonda, mwina, pangakhalebe mavuto omwe akukhudzidwa ndikuti pamgwirizano wotsegulira akaunti ya munthu, kawirikawiri, zikuwonetsedwa, choyamba, kuti akauntiyi siyiyenera kugwiritsidwa ntchito pochita bizinesi, ndipo chachiwiri, ndalama zoterezi zitha kuonedwa ndi oyang'anira misonkho ngati ndalama za munthu, zomwe zimafuna kuti alipire msonkho wa munthu 13%.

Mwanjira ina iliyonse, ngati wazamalonda sakukonzekera kutsegula akaunti yapano, mgwirizano wapaintaneti umaloleza izi. Zambiri mwatsatanetsatane wa kutsegulidwa kwa wabizinesi payekha komanso kukhazikitsidwa kwa LLC, tidalemba m'nkhani zapadera.

Kodi ndi liti pamene mungafune kupeza popanda kutsegula akaunti?

Pankhani ya malo ogulitsira omwewo pa intaneti, kulipira polowetsa khadiyo ndikutsimikizira kuti ntchitoyi imagwiritsidwa ntchito ndi chinsinsi cha SMS kumawoneka ngati yodalirika kwambiri kuposa kusamutsira ndalama ku khadi yakubanki ya munthu wina aliyense. Mutha kudziwa magawo ndi momwe amapangira sitolo yapaintaneti apa.

Wothandizira, nthawi zambiri, samawona kapena samvera akaunti yomwe makamaka akusamutsira ndalama zake, zomwe zikutanthauza kuti sangasokonezeke chifukwa chakusowa kwa wazamalonda. Nthawi yake, wogula amalandila chitsimikiziro kuchokera ku Banki ya Acquiring pazoyendetsa bwino zomwe zikuchitika.

4. TOP-4 mitundu yayikulu yopezera 💰💳

Ngakhale kuti ku Russia iyi ndi njira yatsopano, mitundu yayikulu yakupeza ikhoza kudziwika kale.

Onani 1. Kupeza ATM

Idawonekera koyamba mdziko lathu ndipo imaphatikizapo: malo olipirira ndi ma ATM omwe amakulolani kuti mudzaze ndalama zanu nthawi iliyonse, mosadalira.

Koma chifukwa choti kuchuluka kwa komitiyi kudalembedwa pambuyo pake movomerezeka, ndizosatheka kupeza ndalama zambiri kuchokera pamenepo, makamaka popeza kusankha kwakukulu kumalola ogula kupeza malo okhala ndi komiti yotsika kwambiri. Mutha, mwina kupeza ndalama pa renti, mukakhazikitsa otsiriza ndi banki kapena dongosolo lolipira, monga Qiwi.

Onani 2. Kupeza malonda

Mitundu yotchuka kwambirintchito malipiro a ntchito ndipo katundu wanyumba, malo ogulitsa, malo odyera.

Poterepa, zolipirazo zimachitika kudzera pa malo osungira POS omwe amalumikizana ndi cholembera ndalama, chomwe ndichofunikira kwambiri.

Itha kugulidwa kwathunthu kapena kubwerekedwa kubanki, itha kutero mafoni kapena kuyima.

Pogwira ntchitoyi, ma risiti 2 (awiri) amaperekedwa - chiphaso chotsatsira ndalama ndi risiti yochokera ku terminal yokha (slip).

Onani 3. Kupeza mafoni

Zochepa njira yatsopano kulipira ndi makhadi ndipo sikudziwika kwenikweni. Izi zidzafunika phale kapena foni yamakono ndipo wowerenga makhadi apaderayolumikizidwa ndi USB, bulutufi kapena katswiri. cholumikizira.

Chida choterechi chimawononga ndalama zochepa kwambiri kuposa malo osungira POS ndipo chingaperekedwe ndi mabanki ena kwathunthu ndiufulu.

Panthawi yolipira, wogulitsayo amasula khadiyo ndi chingwe chamaginito kudzera pa wowerenga khadi, ndikupatsa wogula mwayi wosainira pazenera la smartphone / piritsi, koma ngati khadi ya chip ikugwiritsidwa ntchito, ndiye kuti nambala ya PIN idzafunika.

Kutchuka kochepa kwa njirayi ndi chifukwa chakuti pakalipano palibe pulogalamu yothandiza yoteteza ma virus ku ma virus komanso chinyengokukulolani kuti mupeze mwayi wololeza tsatanetsatane wa akauntiyi kapena kulipira ndalama zake.

Kuphatikiza apo, kulipira komweko kumatenga nthawi yayitali komanso kovuta, chifukwa choti muyenera kuyambitsa pulogalamuyi, chitani zonse zofunika pamenyu, onetsani nambala yafoni yam'manja kapena Imelo ya kasitomala, pezani siginecha yake.

Kuphatikiza apo, njirayi ndi yovuta chifukwa chakusowa kwa pepala komanso "kupereka" cheke chamagetsi chokha, ndipo, malinga ndi lamulo Na. 54-ФЗ ya Meyi 22, 2003., kutuluka kwa cheke cha osunga ndalama mokakamizidwa, ngakhale pogula zinthu osapereka ndalama. Chifukwa chake, pankhaniyi, muyenera kulumikiza cholembera ndalama.

Onani 4. Kupeza intaneti

Ndi kulipira pogwiritsa ntchito mawonekedwe apadera kuti mulowetse tsatanetsatane wa khadi la pulasitiki ndikutsimikizira pambuyo pake za kugula mwa kulowa mawu achinsinsi omwe alandiridwa mu SMS. Yabwino ntchito zosiyanasiyana malo ogulitsa pa intaneti, kulipira matikiti, ntchito... Nthawi yomweyo, ogwiritsa ntchito olipira amatha kugwiritsidwa ntchito, monga, Zolemba, Interkassa, PBK-ndalama ndi ena... Poterepa, pakubwera kwa katunduyo, cheke sichimaperekedwa, koma imangotumizidwa m'njira yamagetsi.

Ngati, komabe, wogula akufuna kukhala ndi cheke, ndiye kuti ayenera kuyitanitsa patsamba la webusayiti ndikulipira mwachindunji, panthawi yosamutsa katunduyo, pogwiritsa ntchito malo omwewo a POS pamtengatenga kapena pa malo ogulitsira.

Zambiri zokhudzana ndi kupeza intaneti, komanso kupeza mafoni ndi malonda, zitha kupezeka m'nkhani yolumikizira.

5. Mabanki TOP-12 omwe amapereka chithandizo 📊

Pakadali pano, pafupifupi mabanki onse aku Russia atha kupereka kupeza ntchito... Mabungwe ambiri obwereketsa ngongole amachita momwe angathandizire pantchito iyi ndikukhala ndi zochitika zawo (misonkho) kwa kasitomala aliyense.

Kuti mudziwe zambiri zamomwe mungapezere ndalama kubanki inayake, muyenera kulemba fomu patsamba la banki kapena kuyimba manambala omwe awonetsedwa. Zotsatsa zanu nthawi zambiri zimakhala zopindulitsa kwambiri kuposa zovomerezeka.

Ndizotheka kudziwa phindu lomwe lingapezeke kwa amalonda (payekha) kapena ayi chifukwa chakuwunika mokwanira za omwe amapeza. Monga lamulo, mawebusayiti ovomerezeka amabanki amakhala ndi zambiri zazomwe zakhala zikuchitika pantchitozi.

Kuti mumalize mgwirizano wamabizinesi ena, mutha kuyerekezera mitengo (yotsatsa) yamabanki osiyanasiyana, yotchuka kwambiri yomwe ikupezeka pagome lazotsatira pansipa:

№	Kupeza banki	Kupeza mawu	Kupeza mtengo (Mtengo)
1	Wolemba Gazprombank	Amapereka ntchito zapaintaneti, zam'manja komanso zamalonda	Kubetcha kwanu kuchokera 1.5% mpaka 2%, mtengo wazida ndi ma ruble 1750 / pamwezi.
2	MTS Bank	Imatumikira Visa, MasterCard, American Express, MIR, UnionPay. imapereka malo a POS, imagwiritsa ntchito kulumikizana kwa GSM / GPRS.	Commission 1,69%, zida 1499 rubles / pamwezi.
3	Raiffeisenbank	Imapereka mitundu yonse yopeza, kutengera momwe mungalumikizire kudzera patelefoni, GSM ndi Wi-Fi.	Voterani osakwera 3,2%... Mtengo wa zida zapa renti umayikidwa kutengera malo angati ogwira ntchito m'bungwe komanso mtundu wa pulogalamu yamapulogalamu yasankhidwa. Kwa Visa ndi Mastercard yokhala ndi mPos terminal mulingo wake ndi 2.7%. Kugulitsa ndi kugwiritsa ntchito intaneti kumakhazikitsidwa ndi mgwirizano, monga lamulo, mpaka 3.2%
4	Sberbank waku Russia	Kupeza ku Sberbank kumachitika kudzera mu njira zolipirira Visa, Visa Electron, MasterCard, MasterCard Electronic, Maestro, MIR, popereka ma terminos a mPos ogwirizana ndi matelefoni / mapiritsi ndi malo a POS kutengera kulumikizana kudzera pa 2G / 3G, Wi-Fi, GSM / GPRS Mitengo ya wochita bizinesi payekha komanso mabungwe azovomerezeka amatha kupezeka patsamba lovomerezeka la banki.	mtengo wopeza ku Sberbankkuchokera 0,5% mpaka 2.2% (ogulitsa - opitilira 1.5%; intaneti - kuchokera ku 0.5%; mafoni kwa amalonda - 2.2%). Zida kuyambira 1700 mpaka 2200 rubles / pamwezi
5	Alfa Bank	Njira zazikulu zolipirira Visa, MasterCard, komanso polumikiza ntchito ku Alfa-Bank, zida zimaperekedwa: mPos-terminals yothandizirana ndi mafoni / mapiritsi, ndi kulumikizana kwa 2G / 3G, Wi-Fi	Zogulitsa pa intaneti komanso zamalonda - zimayikidwa payekhapayekha. Kupeza mafoni - 2,5%... Zipangizo, pafupifupi, 1850 rubles / pamwezi.
6	Uralsib	Amagwiritsa ntchito makadi Visa, VisaPayWave, MasterCard, makhadi apakompyuta onse, American Express, MIR. Amapereka malo ogwiritsira ntchito POS, mothandizidwa ndi Dial-up, Ethernet, GSM, GPRS, Wi-Fi. ndalama amatamandidwa masiku 1-2.	Voterani kuchokera 1.65% kuti 2.6%, Mtengo wa zida kuyambira 1600 mpaka 2400 rubles / pamwezi.
7	Tinkoff	Tinkoff Bank imayang'ana kwambiri kupeza pa intaneti	Kukula kwa Commission - kuchokera 2 mpaka 3.5% zida 1900-2300 rubles / pamwezi.
8	Kutsegula	Ntchito zimaperekedwa kukhazikitsa zida, kulandira zida zonse zolipirira, kuphunzitsa anthu ogwira ntchito.	Misonkho imasinthasintha kuchokera 0.3% mpaka 3%... Zipangizazi zidzawononga, pafupifupi, 2350 rubles / pamwezi.
9	Rosselkhozbank	Amapereka maphunziro ogwira ntchito ndipo amapereka zida zofunikira.	Njira zaumwini pakukhazikitsa mitengo yamisonkho.
10	VTB 24	Timalola makhadi amachitidwe a Visa ndi MasterCard. Zipangizazi zimaperekedwa kuti zizigwiritsidwa ntchito, monga ma POS-terminals ndi ndalama zolembetsera ndalama. Wi-Fi, GSM / GPRS imagwiritsidwa ntchito ngati kulumikizana. Mutha kudziwa za mitengo yolipirira VTB 24 patsamba laofesi ya banki.	Mtengo waikidwa kuchokera 1.6%, kutengera mtundu wosankhidwa wautumiki. Zipangizozi zimawononga pafupifupi 1600 rubles / pamwezi.
11	Vanguard	Makhadi apulasitiki amatumizidwa mumachitidwe a Visa ndi MasterCard. Malo a POS amaperekedwa, kulumikizana kudzera pa GSM / GPRS kumagwiritsidwa ntchito. Muli ndi ufulu wosintha magawo ena achitetezo nokha. Kusamutsa ndalama kumachitika mkati mwa 1 mpaka masiku atatu,	Misonkho kuchokera 1.7% kuti 2.5%.
12	Muyezo waku Russia	Visa, VisaPayWave, MasterCard, American Express, Discover, DinersClub, JCB ndi Zolotaya Korona amavomerezedwa. Kupeza malo amtunduwu kumawonetsedwa: Malo osungira POS ndi mayankho amtundu wa ndalama zapa netiweki. Mukapeza ku Russian Standard Bank, GSM / GPRS imagwiritsidwa ntchito ngati cholumikizira.	Mitengo yamitengo mkati 1,7-2,5%.

Kutengera ndi zomwe zalembedwa patebulo, titha kunena kuti malingaliro amabanki akuyimira pafupifupi mulingo umodzi wa mitengo yamisonkhompaka, komwe mtengo wogulira umasiyanasiyana kutengera ndi mgwirizano ndi ntchito zofananira zomwe zaperekedwa.

Momwe mungasankhire banki ndi kuyambitsa kupeza - njira zosankhira + zikalata zolembetsa ntchito

6. Momwe mungasankhire banki kuti mumalize mgwirizano wopeza - njira zisanu ndi zitatu posankha banki yopeza acqu

Musanaganize zosankha banki yomwe mukufuna kupeza, muyenera kuphunzira mwatsatanetsatane momwe zinthu zikugwirira ntchito, komanso onetsetsani kuti mukuyerekeza ndi zomwe mabungwe ena azachuma amapereka. Kuti muchite izi, mgwirizano womwe bankiyo ikuyenera kuwunikiridwa malinga ndi izi:

Muyeso 1. Zida zoperekedwa ndi banki

Kuthamanga kwa kulumikizana ndi seva ndi chitetezo cha ndalama zopanda ndalama pogwiritsa ntchito makadi zimadalira hardware ndi mapulogalamu.

Kutengera ndi mgwirizano, opeza akhoza kupereka:

• Malo a POS kapena makina a POS (chida chokha chowerengera makadi, kusunga zolemba ndi kugulitsa kapena zida zonse zomwe zimayimira malo opangira ndalama);
• Zojambulajambula (zida zomwe zimalipira pamalipiro pogwiritsa ntchito makadi. Chinsinsi chokhala ndi chidziwitso cholozera chimagwiritsidwa ntchito, khadi limayikidwa ndikulowetsamo, pomwe pamakhala zolemba ndi khadi la pulasitiki);
• Malo osinthira (machitidwe omwe amatsimikizira kuyendetsa bwino kwa malipiro pakati pa omwe akupeza);
• Makalata osungira ndalama (zida zomwe zimalembetsa zakusinthana kwa ndalama ndipo zidapangidwa kuti zipereke cheke chofunikira cha ndalama);
• PinPad (mapanelo owerengera zambiri pamakadi ndikulowetsa ma pini).

Kugwiritsa ntchito malo a POS ndikoposa bajeti ndipo zothandiza mwina, pomwe kugwiritsa ntchito kaundula wa ndalama kumatha kuphatikizira ndalama zowonjezera.

Muyeso 2. Mtundu wolumikizirana womwe ma terminal amalumikizana ndi banki

Kuthamanga kwa kulumikizana ndi ntchito kumadalira mtundu wa kulumikizana koteroko.

Pempho lochotsa ndalama muakaunti lingapangidwe motere:

• kugwiritsa ntchito netiweki ya GSM;
• kulumikizana kwakutali (pogwiritsa ntchito modem ndi kulumikizana kwa telefoni);
• kudzera pa intaneti;
• chifukwa cha kulumikizana kwa paketi ya GPRS;
• kudzera pa Wi-Fi yolumikizira opanda zingwe

Yachangu (1-3 gawoMitundu yolumikizirana ndi Intanetindipo Wifi, komanso kulumikizidwa kwa modem ndi GPRS, zomwe zimafunikira zowonjezera zowonjezera.

Muyeso 3. Njira zolipirira zomwe banki imagwira ntchito

Malipiro dongosolo Ndi ntchito yomwe ili ndiudindo wosamutsa ndalama kuchokera kuakaunti kupita ku akaunti. Banki iliyonse imagwirizana ndi ena mwa iwo, zomwe zingakhale zofunikira kwambiri pakuzindikiritsa makhadi apulasitiki. Njira zolipirira zambiri zimatumikiridwa, ndikukula kwa kasitomala.

Njira zazikulu zolipirira mdziko lathu ndi izi: Visa ndipo MasterCard... Ngati ntchitoyi ikufuna mgwirizano ndi nzika zakunja kapena makasitomala apamwamba, ndiye kuti muyenera kulabadira njira zolipirira monga: Mgonero wamadzulo, American Express (AmEx), JCB.

Njira zolipirira ku Russia zikuyamba kutchuka chifukwa chotsika mitengo yamisonkho yolipirira: Korona wagolide, Zamgululi, Khadi la Union.

Muyeso 4. Phunzirani mosamala za mgwirizano

Mfundo zazikuluzikulu zogwirizana pakati pa maphwando zikuwonetsedwa mgwirizanowu. Chifukwa chake, kuti mupewe mafunso ndi zodabwitsa zosayembekezereka pakugwirizana, phunzirani mosamala mfundo zonse - chikhalidwe chofunikira.

Pomwe zosakwaniritsa zomwe gulu limodzi kapena lina likwaniritsidwa, mgwirizano ndi womwe ungakhale chonamizira komanso chida chachikulu popita kukhothi ndi kuteteza zofuna zake.

Muyeso 5. Kuunikira kwa ntchito

Mulingo womwe ntchitoyo imaperekedwera ndiomwe umatsimikizira mtengo wantchitoyo. Kuphatikiza pa kupeza ndi kupereka zida zogwirira ntchito zapamwamba, wogulitsa amathanso kunyamula udindo wokonza, kusaka kwakanthawi, kuthandizira ntchito yothandizira nthawi zonse, komwe mungapeze mayankho a mafunso onse ndikuyankhidwa mwachangu pakagwa zovuta, kuwonongeka, ndi zina zambiri.

Kuphatikiza apo, bungwe loyenerera kupeza bwino limayenda limodzi ndikupereka chithandizo ndi kufunsira kwa ogulitsa. pankhani zotsatirazi:

1. momwe mungadziwire kutsimikizika kwa khadi yaku banki;
2. zofunikira ndi mitundu yanji yamakhadi;
3. mitundu yayikulu yazida;
4. momwe kasitomala amathandizidwira;
5. momwe mungabwezeretse kugula kwa omwe sanalandire ndalama;
6. momwe mungaletsere chilolezo;
7. ndi zina.

Kuphatikiza pakuphunzira momwe mungagwirire ntchito ndi makinawo, nthawi zambiri mabanki, pamalipiro, kuchita maphunziro ochulukirapokumene amaphunzitsa:

• njira zodziwira achinyengo ndi njira yochitira izi;
• njira zowonjezera malonda mukakhala ndi dongosolo lolipira lopanda ndalama: momwe mungakonzekerere malo ogulitsa, momwe mungalimbikitsire makasitomala kuti azigula zokha;
• njira zodziwira zosowa zamakasitomala;
• ndondomeko yokonzekera kutuluka kwa zikalata, kukonzekera malipoti;
• zosankha pazomwe mungachite mukalakwitsa mukamagwira ntchito ndi makhadi akubanki.

Muyeso 6. Ntchito zowonjezera kubanki

Ngati banki itha kupereka mapulogalamu owerengera mabhonasi ku khadi pazomwe mwagula, zomwe zingagwiritsidwe ntchito ngati kuchotsera, ndiye izi zabwino sizidzakhudza mbiri ya kampani yamalonda yokha, komanso zidzakulitsa malonda ndikukopa makasitomala atsopano.

Kuti muwongolere momwe zinthu zikuyendera ndi makhadi aku banki, zidziwitso zimatha kutumizidwa ndi imelo, pogwiritsa ntchito ma SMS kapena kutumizidwa patsamba la banki mu akaunti yapadera yabungwe.

Ntchito yowonjezeranso ikhoza kukhala zidziwitso zakulephera kwadongosolo, zachinyengo zomwe zingachitike, ndi zina zambiri, zomwe zingalole ogwira ntchito pakampani kuyankha mwachangu.

Kutengera mtundu wa bizinesi, wochita bizinesi atha kupeza ntchito zothandiza monga zodziwikiratu zokhapamene terminal yakhazikitsidwa kuti iwonetse deta ku banki nthawi iliyonse, kapena, Mwachitsanzo, kuthekera kolipira ndalama, kugwiritsa ntchito khadi, kapena kufotokoza zina zowonjezera za katundu kapena ntchito m'macheke, zomwe zimakupatsani mwayi wotsatira zolipira zawo.

Muyeso 7. Magwiritsidwe antchito azachuma

Chimodzi mwazofunikira kwambiri monga izi ndi nthawi yayitali kwambiri yomwe ndalama zimalandiridwa ku akaunti ya bungwe, nthawi yomwe imasinthasintha, nthawi zambiri kuchokera 1 (chimodzi) mpaka 3 (masiku atatu) ndi zimatengera izi:

• kupezeka kwa akaunti ku banki yopeza kampaniyo kumathandizira kuti mbiri yabwino ipangidwe tsiku lotsatira;
• kugula kuchokera pa khadi yakubanki komwe mumapeza kumatha kusamutsa pasanathe tsiku limodzi;
• kupezeka kwa pulogalamu yomasulira mwachangu yomwe imathandizira kuti ntchitoyi ichitike, mosasamala kanthu zina.

Ogula amadera nkhawa kwambiri ndalamazo zidzabwezedwa ku khadi liti?, pobweza katundu. Imeneyinso ndi mfundo yofunikira pamagulidwe, kutsimikizira mbiri yake.

Ndikofunikanso kuwunika mwachangu mtengo wofunikira pakugwiritsa ntchito kupeza, zomwe, monga lamulo, zimaphatikizapo:

• chindapusa chokhazikitsira zida;
• kulumikizana ndi seva;
• kubwereka zida zofunikira;
• kukonza ndi kukonza magwiridwe antchito a dongosololi.

Muyeso 8. Yerekezerani ndalama zolipirira m'mabanki osiyanasiyana

Malipiro opangira ndalama zopanda ndalama atha kukhazikitsidwa chiwongola dzanja pamalonda onse... Poterepa, zimaperekedwa ngati chiphaso cha zochitika zilizonse zomwe zachitika.

Mukazindikira mtengo wogwiritsa ntchito ntchitoyi, payekhapayekha, zinthu monga gawo lomwe bungweli limagwirira ntchito zake, nthawi yakukhalapo pamsikawu, kuchuluka kwa nthambi, kuchuluka kwa malonda pakampani, kuchuluka kwa ziphaso zomwe banki ikuyenera kuchita kuchokera kuzinthu zosiyanasiyana zolipirira ndipo malo ogwirira ntchito a banki ayenera kukumbukiridwa.

7. Phukusi la zikalata zofunikira pomaliza mgwirizano wopezedwa 📋

Pomaliza mgwirizano wopeza ndi banki, bungwe lalamulo liyenera kupereka zikalata zofananira:

1. Sitifiketi cha Unified State Register yamalamulo kapena, kwa omwe adalembetsa pambuyo pa 1.07.2002. mabungwe, Satifiketi yolembetsa kuchokera ku ofesi yamsonkho;
2. Satifiketi Yolembetsa Misonkho;
3. Phukusi la zikalata;
4. Chotsani kuchokera ku Unified State Register yamalamulo;
5. Khadi la kubanki lomwe lili ndi zitsanzo zamasaina;
6. Zisankho kapena kulamula pakusankhidwa kwa director and the accountant wamkulu;
7. Pangano la kubwereketsa kapena zikalata zotsimikizira umwini wa malo omwe ali ku adilesi yomwe ikuwonetsedwa m'malemba. Tidalemba mwatsatanetsatane za adilesiyi mwapadera.
8. Sitifiketi ya Banki potsegula akaunti ya mtolankhani, kapena kopi yamgwirizano wokhazikika ndi ntchito zandalama;
9. Chilolezo chantchito, malinga ndi chidziwitso;
10. Zikalata zamapasipoti a accountant ndi director, ovomerezeka ndi notary;
11. Zolemba zina zilizonse zomwe banki ingapemphe, malinga ndi malamulo amkati.

Mutha kuzidziwa bwino mawu onse amgwirizano wamalamulo pazomwe zili pansipa (pogwiritsa ntchito chitsanzo cha mgwirizano wa banki wa VTB24):

Tsitsani chitsanzo chopeza mgwirizano wa VTB24 bank (doc. 394 kb)

8. Zinthu zazikulu pamachitidwe olipira (kupeza) 📌

Zinthu zotsatirazi zothandizira kupeza zitha kusiyanitsidwa:

• nkhani zonse zolumikizana pakati pa zipani zimayendetsedwa molingana ndi mgwirizano;
• njira yaumwini ingagwiritsidwe ntchito pangano lililonse;
• kampani yogulitsa imalipira ndalama kwa wogula, mwa kuchuluka kwa kuchuluka kwa zochitika zamakhadi. Nthawi zambiri, imakhala kuyambira 1.5% mpaka 4% yazogulitsa.
• Zida zofunikira, monga lamulo, zimaperekedwa ndi banki yokha (pamalipiro, ya renti kapena yaulere, kutengera malonjezano), komanso ntchito zina zogwirizana: zotsatsa, maphunziro antchito etc.
• Kusowa kwa akaunti ku banki yomwe ikupeza sikulepheretsa kugwiritsa ntchito ntchitoyi. Koma kupezeka kwake kumatha kukupatsirani zokonda zina.
• Kulipira katundu kumawerengedwa mu akaunti ya bungwe osati mwachangu, koma pakadutsa tsiku limodzi kapena atatu.

Ndikofunikira kuzindikira zomwe zatchulidwazi mukamagwiritsa ntchito ntchitoyi.

Ubwino ndi zoyipa zazikulu zopezeka kwa amalonda

9. Ubwino ndi zovuta kupeza

Tiyeni tilembere zabwino ndi zoyipa zakugwiritsa ntchito ntchitoyi.

Ubwino (+) kupeza

1. Ubwino waukulu wogwiritsa ntchito kupeza kwa wamalonda ndi kuwonjezeka kwa mphamvu yogula yamakasitomala popereka ndalama zopanda ndalama ndi makadi apulasitiki. Poterepa, malinga ndi kafukufuku, ogula ali okonzeka kugwiritsa ntchito zochulukirapo, pafupifupi kwa 20%kuyambira pamenepo ndizosavuta kwamaganizidwe kugawana ndi ndalama zosakhala ndalama kuposa ndalama.
2. Pakadali pano, ogula ochulukirachulukira amasunga ndalama zawo muakaunti, osati mchikwama, ndipo chifukwa chake, sangakhale ndi ndalama zofunikira, pomwe ali pa khadi.
3. Kuchepetsa chiwopsezo cholemba ndalama zabodza ndi zolakwitsa mukamapereka kusintha kumachepetsa ntchito ya wopezayo. Wamalonda amasunga pamsonkhanowu wa ndalama ndi ma komiti kuti awaike pa akaunti yapano.

Kuipa kwa (-) kupeza

1. Commission ya banki pazogulitsa zitha kukhala 1,5-6% kuchokera kuchuluka kwake.
2. Ndalama zomwe analandira kuchokera kwa wogula sizitchulidwa ku akauntiyo nthawi yomweyo, koma mkati Masiku 1-3.
3. Kupeza / kubwereka ndalama zogulira zida ndi kukonza.

10. Mafunso omwe amafunsidwa pafupipafupi za kupeza (FAQ) 📢

Ganizirani mafunso otchuka omwe ogwiritsa ntchito amafunsa pamutuwu.

Funso 1. Chifukwa chiyani mabizinesi ang'onoang'ono komanso apakatikati amafunika kupeza?

M'masiku ano, kupeza pafupifupi ndipo yaying'ono bizinesi, ndizofunikira chabe. Kupanda kutero, m'malo ampikisano, wogulitsa, mophweka, itaya makasitomala ake... Chifukwa choti, popanda njira yolipira ndalama, ogula ambiri, oyambira, amasankha njira ina ngati kuli kotheka.

Kupatula apo, kusunga ndalama pa khadi ndizochuluka zosavutaKuphatikiza apo, ogula ambiri amalandila ndalama zawo (malipiro kapena zothandizirana ndi anzawo) kapena gawo limodzi lazo ku khadi la kubanki.

Chifukwa chake, posakhala ndi ndalama mchikwama, ndizotheka kuti kasitomala azipeza ndalama zomwe zikufunika pakhadilo, zomwe mosakayikira zimakonda kugula zokha, zomwe zikutanthauza kuti kumakulitsa phindu pakabizinesi.

Kuphatikiza apo, kugwiritsa ntchito kupeza ku banki kumapangitsa kuti zitheke osati ku kukulitsa kasitomalakomanso ku kuonjezera phindu la kampani, motsatana.

Funso 2. Kodi ndi zida ziti zogulira zomwe zimagwiritsidwa ntchito?

Kukhazikitsa kwa ndalama zopanda ndalama, kumene, zosatheka popanda zida zapadera ndi mapulogalamu... Kupereka chithandizo, banki imaperekanso zida zofunikira. Wochita bizinesi akhoza mugule pamtengo wonse, kubwereka kubanki kapena kukwera ena- mu mgwirizano, mikhalidwe.

Choyamba, ndichachidziwikire, POS osachiritsika kapena Makina onse a POS... Ma terminal amafunika kuti muwerenge zambiri kuchokera m'makhadi apulasitiki ndikupatseni chilolezo m'dongosolo lomwe limakupatsani mwayi wolemba ndalama kuchokera kuakauntiyi. Monga lamulo, amafunikira nambala yofanana ndi zolembera ndalama m'sitolo.

Momwe, pali mitundu ingapo ya malo, zomwe zingakhale kuyima, opanda zingwe (mwachitsanzo, otumiza kapena operekera zakudya), Malo a PS (zogulitsa kudzera patsamba la kampaniyo), ndipo amathanso kukhala nawo magwiridwe osiyanasiyana ndiwerengani makadi okhala ndi chip kapena maginito ndikupatsanso mwayi wolipira popanda kulumikizana.

Dongosolo imayimiranso zida zonse zofunikira kuti zitsimikizire kuti wogwira ntchitoyo azigwira bwino ntchito ndikuchita zolipira popanda ndalama.

Wosindikiza amagwiritsidwanso ntchito popereka mapepala - malipoti apadera olipira omwe amatsimikizira kulipira kopanda ndalama.

Pinpad - gulu lolowera pini-kasitomala ndi kasitomala. Imalumikizana ndi malo osungira POS kapena kaundula wa ndalama ndipo imafunikira kuti chitetezo chithandizire.

Posachedwa, njira zothetsera ndalama zafalikira zomwe zimachitika nthawi yomweyo kuwerenga ndipo kubisa zambirianalandira kuchokera ku khadi. Amapangitsa kulipira mwachangu, mosavutikira, kumachepetsa malipoti azachuma ndi ma risiti osindikiza.

Tiyenera kudziwa kuti kupeza intaneti kumangofunikira gawo lomwe tsambalo limalumikizidwa kuti livomerezedwe.Popeza kuti khadi silinaperekedwe mwakuthupi, ndipo cheke / chovalacho sichidasindikizidwe, sipafunika zida zina.

Funso 3. Kodi ndingagule kuti?

Mutha kubwereka malo ogulira (mabatani) kuti mupeze mabanki komwe mungatsegule ntchitoyi. Kupeza kubwereka kwa zida kumayambira ma ruble 500 / mwezi kapena kupitilira apo.

Muthanso kugula malo okhala ndi bank POS kuchokera kumakampani ena omwe amagulitsa ndi kubwereka zida. Mutha kugula zida izi pang'onopang'ono.

Nawa ena mwa makampani omwe amapereka mwayi wotere.

1) Landirani khadi!

Primikartu ili ndi izi:

• Kulumikiza mwachangu zida osayendera banki;
• Phukusi locheperako lazofunika ndilofunika;
• Kulumikizana ndikotheka popanda kukana kupeza banki;
• Kutsegula akaunti yatsopano pakadali pano ndikusankha;
• Thandizo la 24/7 ndi chitsimikizo cha kulipira bwino;

Apa mutha kugula zida pang'onopang'ono kapena kubwereka kwakanthawi.

2) ChoyambaBit

Kampaniyi ili ndi nthambi zambiri mdziko lonse, kuphatikiza m'maiko a CIS, UAE, ndi zina zambiri.

Pali mwayi wogula KKM, RKO ndi ntchito zina poyambitsa ndikulitsa bizinesi.

Njira zothetsera kukhathamiritsa ndi kusinthasintha kwantchito.

Munkhaniyi, mumadziwa tanthauzo la kupeza, mawonekedwe ake akulu, mphamvu zake ndi zofooka zawo.

Zindikirani, chani kuyambira 2015 yamabizinesiomwe adalandira ndalama kuchokera ma ruble 60 miliyoni, kupezeka kwa njira yolipira yopanda ndalama ndi mokakamizidwa.

Lamuloli limapereka chindapusa pakulephera kutsatira lamuloli, mpaka 30,000 ma ruble (kwa aliyense payekha) ndi Ma ruble zikwi 50 (kwa mabungwe azovomerezeka).

Pomaliza, tikulimbikitsa kuwonera kanema wopeza (mitundu yayikulu, mfundo zopezera):

Tsopano mukudziwa mfundo zomwe ziyenera kutsatidwa posankha bwenzi logwirizana, mutha kupeza mayankho okhudzana ndi omwe akutenga nawo gawo pamsika wothandizila ndikuwona momwe mungafunire kugwirira ntchito ndi ngongole zilizonse pankhaniyi.

Tikukufunirani kuti musankhe wopeza woyenera ndikupeza zinthu zabwino kwambiri pakampani yanu, zomwe zingakulitse ntchito zomwe mumapereka, kukulitsa kufunikira kwa katundu wanu, motero, mupeze phindu lalikulu.

Okondedwa owerenga magazini ya Ideas for Life, tikhala othokoza ngati mugawana zokhumba zanu, zomwe mwakumana nazo ndi ndemanga pamutu wofalitsa mu ndemanga pansipa. Tikufuna bizinesi yanu kukhala yachuma!

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