Nei Mabhizimisi Anoshandisa ACH Processing
Basics of ACH
ACH zvikwereti zviripo zvemari. Mari dzinotama kubva kubhuku rekutarisa kwekambani kumakambani ebhizinesi rako, kazhinji kwemazuva maviri kusvika matatu matatu ebhizinesi. Kana iwe uchiziva nezve "e-checks" kana kuti kubhadhara kwekubhadhara kwegore rimwe nerimwe kubva pakero yekuongorora, zvimwe wakatoona ACH muchiito.
Zita rokuti ACH rinobva ku Automated Clearing House network, iyo inotungamirira kugadzirisa kwezvikwereti izvi . Mabhangi (uye makombiyuta avo) anobatanidza kutamisa mari kubva kubhangi rimwe kuenda pane imwe, uye zvizhinji zvebasa iri hazvioneki kumabhizimisi nevatengi.
Kubvuma kubhadhara neACH, mabhizimisi anoda kushandisa kambani yevatengesi iyo inogona kutora mari dzeACH - vazhinji vavo vanogona. Machenda anopa ruzivo rwavo chekuongorora ( nhamba yekambani uye nhamba yekufambisa ), uye iyo mashoko inoshandiswa kugadzira mubhadharo.
Kubatsirwa kweACH
Sei bhizinesi raizobhadhara neACH? Izvo zvakakosha kubhadhara mari yekuchengetedza mari, pamwe chete nezvikomborero zvinouya nemamwe nzira yekubhadhara magetsi.
Mari shoma: ICH inzira isingadhuri yekugamuchira mari. Kana ichienzaniswa nemakadhi ekwereti, ACH inoshandiswa nguva dzose inodhura zvishomanana. Maripo inowanzobhadhara pasi peyodhora imwe (zvichida $ 0.25 kusvika $ 0.55 pamubhadharo), kunyange zvazvo mari inokonzerwa nemudzidzi kupa, uye inotarisa kana iwe iwewo uri kubhadhara mutero wemwedzi wega wega.
Mari yeMwedzi inosvika $ 10 kusvika $ 25 pamwedzi.
Zviri nyore kune mabhizinesi: kamwe kana kubhadhara kuri kuiswa, pane zvishoma kana pasina chiito chinodiwa kubva kubhizinesi. Vatengi vangave vatopinza mashoko avo ekubhadhara, uye zvikwereti zvakare zvinoramba zvichiri kuuya mumagetsi pamwedzi mushure memwedzi. Hapana chikonzero chekuzarura mail, kuisa mari kubhodhi yakarurama, uye kuisa cheki mubhangi.
Nzira dzakasiyana-siyana dzokugamuchira kubhadhara: mabhizimusi anogona kutora mari neACH nenzira dzakasiyana-siyana. Vatengesi vanogona kugovera chengetedza ruzivo rwekombiki paIndaneti, pane foni nevamiririri vevashandi, kana pane fomu yekare yepepa. Mumwe munhu anongoda kuisa iyo ruzivo mune kombiyuta, uye kubhadhara kunogona kuitika.
Zviri nyore kune vatengi: vatengi vanonakidzwawo nekushanda nemabhizimisi anotora ACH mari. Panzvimbo pokuvhura bhiri mwedzi woga woga, kunyora cheki, kuwana tsananguro, uye kuwana bhadha mumeiri panguva, vatengi vanogona kutora mari yavo. Kusiyana nekadhi rechikwereti, izvo zvinoda kuongororwa sezvo makadhi apera kana nhamba dzebhuku dzinoshanduka, kutarisa nhamba dzekambani dzinowanzodikanwa kudzokorora.
Zvishoma kukanganisa: ACH zvikwereti zvinogona kuchengetedza zvikanganiso kusvika zvishoma. Mari yekubhadhara kuedza kuedza kuti mabhuku anogadzirirwa zvakanaka, uye iwe unongoda kuzvigadzirisa kamwechete - mushure mokudaro, zvipi nezvipi zvinowanzobhadhara zvichaitwa kubudirira, uye hapana mukana wega wega wekuita kukanganisa.
Yakachengeteka uye yakachengeteka: zvirongwa zvekubhadhara zvakachengeteka kushandisa nekuderedza udzvinyiriri - kunyange mabhizimisi nguva dzose achifanira kutarisa mabhuku avo zvakanyanyisa kudarika vatengi vanoita nekuda kwekuwedzerwa ngozi kune mabhizimisi emarenda .
Mashoko acho akavharidzirwa nemumwe munhu anoyemekedzwa wekubhadhara mupiro, saka zvakaoma kumbavha kuba amakuru e-akhawunti yako - kana vatengi vako '. Uyezve, hapana chekecheti agere pedyo kuti awane "peeked at."
Drawbacks
ACH zvikwereti hazvisi 100% zvakakwana. Kana iwe uine nguva yakawanda kupfuura mari (uye mitsara yakaoma), iwe unogona kunge uri nani pakuzviongorora iwe pachako. Asi mari yacho yakaderera zvakanyanya zvokuti zvakaoma kufungidzira mamiriro ezvinhu akawanda apo bhizinesi rine simba rine simba uye haisi kuuya mberi uchishandisa purogiramu yekubhadhara.
Ramba uchifunga kuti mari yekubhadhara haisi pakarepo uye haibvumirwi - kunze kwekuti iwe ukanyoresa (uye ubhadhara zvimwe zve) mamwe mabasa. Kungofanana nehomwe yakaipa, kubhadhara kweACH kunogona kushandurwa kana mutengi asina mari yakakwana . Pachiedza chakajeka, hazvisi nyore kuti vatengi vadzorere mari yeACH sezvo iri kutumira chikwereti chekubhadhara chikwereti nemupaiti wekwereti.
Nzira Yokutanga Kutanga ACH Processing
Kana bhizimisi rako rakagadzirira kutora chikwereti neACH, inongova nyaya yekunyora pamwe nekubhadhara. Tanga nekubvunza bhengi rako rekune imwe nyika kana kuti credit union uko iwe uine bhizimisi rekuongorora maakaunti . Zvinogona kutengesa pamusana pemari yaunenge uchiisa.
Nhamba dzakasiyana-siyana dzepaIndaneti dzinopawo kushandiswa kweACH, uye mazita iwayo ari nyore kuwana nekutsvaga kutsvaga. Vose vane unhu uye hutano, saka iwe unoda kuongorora shanduro yemutauro uye sarudza iyo inokodzera bhizinesi rako zvakanakisisa. Tarisa zvinotevera:
Nzvimbo yehupfumi: pane mari yemwedzi here? Kana zvakadaro, izvi zvinokonzera kucheka kwezvinhu-pasi pamutambo here? Zvichienderana nehuwandu hwekutengeserana mubhizinesi rako, tsvaga kana iwe uchaputsa kunyange nokubhadhara mari yemwedzi.
Mamwe mavhisi: unogona kunge wakagadzirira pane zvinopfuura ACH zvikwereti. Unogona here kubvuma makadhi emakwereti nekambani yemabhizimisi imwe chete? Vakawanda vanobhadhara mapurogiramu vanogona kuita zvose zviri zviviri, uye vanogona kutora masangano aya pamwechete (kuitira kuti iwe uchengetedze mari kana iwe uchiita zvose pamwe chete nemupiki wega). Anopa mhomwe anopa chekuita chekuita chekuita , kana ivo vanovimbisa here kuti zvikwereti hazvizombo "bounce"?