Kutsanangura Chargeback
Chii chinonzi backback? Kuchinja kwemhosva pashure pokunge kutenga-kubhadharwa kunodzoserwa kune mutengi kubva kwekambani yevatengesi.
Zvitoro zvingangodaro zvinonyanyozivikanwa pane kutenga kadhi rechikwereti, asi zviri kuwedzera kushandiswa kune mamwe marudzi ekubhadhara, kusanganisira:
- Debit kadi inotenga
- Zvipo zvakagadzirwa kuburikidza nemabasa ekubhadhara ( PayPal , Square, nevamwe)
- Electronic bank drafts
Kutengesa kunopa kuvhota kwevatengi: vatengi vanovimbiswa kuti havazove vane mhosva kana mabhuku avo ane basa rekubiridzira, uye vangangokwanisa kugadzirisa mhosva kana vasina kugutsikana nechigadzirwa kana basa.
Chargebacks inofanira kungoshandiswa sechisarudzo chekupedzisira; mabhengi uye mabasa ekubhadhara vanokurudzira vatengi kuti vataure nevashambadziri, kana ari mutengesi achitengesa zvinhu, bhizinesi rekutsvaga, kana mupiki webasa, kuedza nekugadzirisa kukanganisa nekukakavadzana. Asi kana pasina chibvumirano chinosvika, vatengi vanogona kushandisa kushandiswa kwevatengi kana mapurogiramu akafanana, anowedzera simba pamusoro pevatengesi.
Bhizimisi Migumisiro
Kana iwe uchimhanya bhizinesi, zvikwereti zvakanyanya zvinogona kuumba mamwe matambudziko chaiwo:
Zero mari: Dambudziko guru nderekuti iwe haubhadharwi kana kubhadharira kubhadhara kambani yako yevatengesi. Iwe unogona kunge wakabhadhara mari yekutengesa kadhi rechikwereti, asi kuguma ne zero mari kubva mutengesi uri mubvunzo. Iwe ungangodaro wakapa zvinhu kana maitirwo, naizvozvo wakarasikirwa nekuverenga kana nguva inokosha.
Dhiyabhorosi: Kutengesa kunowanikwa kune vose, asi hausi kuda kukudza mukurumbira. Kana bhizimisi rako richiona zvikwereti zvakawanda, mitero yebhadharo inogona kushamisika kana bhizimusi rako riri nenzira yakadaro kushandisa zvichishandisa vatengi kana kuita chimwe chinhu chinonyengera. Nhamba yako yekutengesa inogona kuvharwa, kana iwe unogona kutarisana nenzvimbo dzakakwirira uye nguva yakareba inoshandisa mari yako.
Mariro: iwe unogona kunge uchibhadhara chirango kana zvikwereti zvichitora kambani yako yebhizimisi. Uyezve, hausi kungosiya kurasikirwa kana nguva inoshandiswa pane mutengesi uri mubvunzo. Iwewo uri kunze kwezvimwe zvinodhura zvinowanikwa mukuzadzisa mutemo, zvakadai sokutengesa mari.
Iko Simba Rokudzorera Mhosva
Sei vatengi vakakwanisa kudzosera mhosva? Kukwanisa kuita izvi kunobva kunzvimbo dzakasiyana siyana uye kunobva mumamiriro ezvinhu, rudzi rwebhadharo rinoshandiswa uye chikonzero chekumbira kubhadhara. Nekadhi kadhikiti, zvikwereti zvikwereti zvinogamuchirwa neChokwadi muLending Act kana kadhi rechikwereti kushandiswa.
Ne makadhi emadhora , zvikwereti zvinokwidzwa zvinotenderwa pasi peElect Fund Funds Transfer Act . Zvisinei, pamwe nemakadhi maviri ekubhadhara uye kubhadhara mari, mapurogiramu ekubhadhara angave nemimwe mitemo inobvumira mitero yekubhadhara, uye iyo mitemo inowanzopa hudziviriro kune vashandi kudarika mutemo wenyika ino (Visa uye Mastercard mabhidhidhi debit debit kana "zero mvumo" mitemo, somuenzaniso ).
Kana zvasvika pamabasa ekubhadhara akaita sePayPal, Google Wallet, nevamwe, zvikwereti zvinowanikwa zvakaoma. Izvo zvibvumirano zvinogona kupa maitiro avo e "mutengi kudzivirirwa" akafanana nekadhi rechikwereti kushandiswa mitambo zvimwe ivo vanotenga vangave vachizeza kushandisa masangano aya.
Mishongedzo kuburikidza nemitambo iyi inowanzobhadharwa nemakadhi emakwereti, makadhi ekubhadharira, uye mabhangi ebhengi, saka vatengi vanokumbira kubhadharwa nebhagheni ravo kana kuti kubhadhara. Mutengi haatombotanga kubhadhara mutengesi nemutengesi chaiwo.
Kadhi-kadhi yemakambani uye mabasa ekubhadhara anoita seanovanzwira tsitsi vatengi. Zvikonzero zvinozivikanwa zvebhadharo zvinoratidzwa pasi apa.
- Mutengi wacho akapiwa mhosva kanopfuura kamwe chete
- Mutengi haazive zvikwereti
- Nhumbi dzakapiwa dzakanga dzisiri zvinhu zvakarayirwa
- Nheyo yacho yakarurama, asi zvinhu hazvina kusvika
- Mari yekubhadhara yakanga isingashandurwi nemutengesi
- Unhu hwezvinhu hahugutsikane
The Chargeback Process
Nzira yekubhadhara mari inotanga nekunyunyuta kwevatengi. Vashandi vanozivisa mabhizinesi avo kuti pane dambudziko nekutengesa munhoroondo yavo. Kuti zvive nyore, "bhagheni" inogona kureva bhengi revatengi, bhizinesi-rinobudisa mabhidhi kana kadhi yekadhi, kana mupiro webasa rekubhadhara. Nokuda kwemakakatanwa mazhinji, mutengi anopa tsanangudzo yakanyorwa yezvakaitika uye chero uchapupu hunowanika.
Zvichienderana nemamiriro acho ezvinhu, mari inogona kunge yakanyanyiswa mukambani yevatengesi kana kuti inotaridzirwa kune kambani yevatengi.
Mabhangi anobva aongorora, achitaurirana chero ani zvake anenge achibatanidza nechokuita mutengesi, uye achikumbira ruzivo kubva kune mutengesi uyo akaita mutero. Mutengesi ane mukana wekupa uchapupu hwokuti mhosva yacho inoshanda uye kuti mutengesi anoguma kuguma kwezvakagadzirwa, kana zvichibvira, uye bhanji rinosarudza kuti ndiani achakunda.
Chimwe Chekudzivirira
Nzira yakanakisisa yekutarisana nebhadharo ndeyokuvadzivirira pakutanga. Bhizimisi rako rinowanzoonekwa se "ane mhosva kusvikira kuratidza kuti hauna mhosva," uye iyo haisi nzvimbo yaunoda kuva nayo. Ungadzivisa sei dambudziko?
Kukurukurirana: Vatengi havashushi kushamisika kusingafadzi, saka ivai nechokuita pamusoro pechinhu chipi zvacho chinogona kukonzera musikana asina kufara. Zvinyatsojeka uye zvinyatsonotsanangura chigadzirwa chako kana basa, uye sanganisira mifananidzo yakajeka.
Kana chimwe chinhu chichienda chakaipa, chakadai sokunonoka kutumira, somuenzaniso, zivisa mutengi wako nekukurumidza. Kana vatengi vakadana kana kunyora nemibvunzo kana zvichemo, pindura nokukurumidza. Vatengi vanoshandisa zvikwereti pavanonzwa vasina simba, saka musaita kuti vanzwe saizvozvo.
Chengetedza zvinyorwa zvakanaka: Kana kubhadhara kusina kukodzera kuri kukanganisa konti yako, iva nechokwadi chokuti unogona kuwana mhosva yacho yakavharwa nokukurumidza. Chengeta chero uchapupu hwekuzadzikiswa kwemirairo kusanganisira maresi, mavoti, mabhuku ekutumira uye zvigutsiro, zvinyorwa, uye magwaro evharegi. Dzimwe nguva vatengi vanokanganwa kuti vakarayira kubva kwamuri, uye vachivaratidza kuti uchapupu hunogadzirisa zvinhu nokukurumidza.
Sarudza nokuchenjera kuti zita rako rinoratidzirwa sei: Kana vatengi vachiona kutengesa munhoroondo yavo yebhuku, vanogona kuziva bhizinesi renyu here? Iva nechokwadi chokuti zita rinowanikwa pamatatimendi ebhangi rinofanana nemutengi anofunga kuti vakatenga kubva. Kana iwe uchitengesa kofi mugs, zita rakanaka ringangodaro riri "Acme Coffee Mugs," asi "Acme Enterprises" ichaita kuti pave nezvikwereti zvakawanda. Nyora nhamba yako yefoni pamwe chete kana zvichibvira.
Shandisa kuchenjera: Unogona kufunga kuti kutengesa ndekupi kutengeswa kwakanaka, asi izvi ndezvechokwadi kana kuri kutengeswa kwepamutemo . Usaita kuti zvive nyore kwazvo kune mbavha kutenga shopu yako. Pamirairo yekadhi rechikwereti, unoda kuchengetedzwa kwemashoko uye kero yekuvimbisa.
Kana mirairo ichiita seine chokwadi, yakadai semutengi mutsva wokubva kune dzimwe nyika, uye kamwe kamwe mutengi wekune dzimwe nyika anoisa hurukuro yakakura, tora imwe nguva kuti uongorore mutengesi uye taura nemutengi. Uyezve, kana mumwe munhu anoda kuti zvigadzirwa zvishandiswe kune imwe kero isina kufanana nekero yekubhadhara kadhi rechikwereti, chenjerera uye tsvaga zvakare.
Zvinosuruvarisa, hausi kungoita chete nembavha uchishandisa zvikwereti zvekwereti. Imwe mhando yekubhadhara mari, "ushamwari hunobatsira," inoitika apo mumwe munhu anozvitenga zvakakodzera, anogamuchira zvigadzirwa, uye anodzorera zvimhosva, nekuda kwekuti vanoziva kuti vanogona kuenda nayo.
Kuti udzivise ushamwari hweushamwari, zvinhu zvakanakisisa zvaunogona kuita ndezvokuchengeta zvinyorwa zvakanaka kuitira kuti iwe une tariro uine uchapupu hwakakwana hwokurwisana nekubhadhara mari, uye kushandisa chero zvigadziridzo zvekuchengetedza zvinowanika mune yako yebhizimisi account.