Kubhadharwa Kwemagetsi Kunoshandiswa Zviri nyore
Tsanangudzo yeACH inogona kureva zvinhu zvakasiyana, zvichienderana nokuti unozviona.
Pazvinyorwa zvebhangi rako (kana mutambo wenhoroondo), ACH zvinoreva kuti kubhadhara komutambo kwakagadzirwa kana kuti kubva kubhuku rako uchishandisa ruzivo rwekuongorora chekombi.
Mienzaniso inowanzoitwa yeACH kuwedzerwa yakanyorwa pasi apa. Mukuda kwekuti chero ipi yeACH kutumirwa kuendesa mari kune imwe kana kubva ku-akhawunti yako, unofanirwa kupa mvumo yekuendeswa kune iyo uye kupa bhangi yako yebhangi uye nhamba dzekufambisa .
Pazvikwereti zvako , ACH inoreva kuti iwe unosarudza kubhadhara zvikwereti zvako zvemagetsi . Dzimwe nguva zvikwereti izvi zvinonzi eChecks, EFT, kana zvakafanana. Panzvimbo yekunyora cheki kana kupinda nhamba yekadhi rechikwereti, unogona kupa nhepfenyuro yako yekuongorora chekeri uye mari inotora zvakananga kubva kubhuku rako. Mune zvimwe zviitiko, iwe unodzora kana izvozvo zvichiitika - mune dzimwe nguva biller wako anongodhonza mari apo iwe unotora chikwereti chako, saka iwe unoda kuva nechokwadi chokuti une mari inowanika munhoroondo yako .
ACH inorevei?
Ndezvipi chaizvo zvakaitwa Automated Clearing House?
Automated: iyo system inoumbwa nemakombiyuta anoshanda pamwe chete kuti agadzire kubhadhara zviripo (pasina iwe kana biller wako achida kutora mutero).
Iyi i "batch" yekugadzirisa nzira iyo inobata mamiriyoni ebhadharo pakuguma kwezuva.
Kuchenesa imba: iyo network inoshandisa mbiri pakati pe "kuchenesa dzimba" - mune mamwe mazwi, zvinhu zvose zvinoputirwa nemadzimba ekuchenesa.
Mienzaniso yeACH Zvinyorwa
Iwe unogona kunge uchizivikanwa neACH kupfuura iwe unofunga.
ACH inoshandiswa pamitambo yezuva nezuva yakadai seyi:
- Tumira mari yako mubhadharo (kubva kumushandi wako kuenda kubhangi yako yebhangi)
- Kubhadhara kushandiswa kwezvikwereti zvinowanzoitika zvakadai sesimba uye mari yekubhadhara mari (iwe unyoresa mari yeACH apo iwe uchivapa chekuvhara mairi)
- Maripo kubva kumabhizimisi kune vatengesi nevatengesi
- Kufambisa mari kubva kubhangi rako rekuita uye bhenari kubhengi yako yepaIndaneti
Sezvo neukombiji chero ipi zvayo, kushandisa ACH zvinoreva kugamuchira zvinowanikwa nehutano. Regai tiongorore avo vari pasi apa.
Chii chinoitwa neACH kune Vatengi?
Kana iwe uri mutengi , unogona kufara:
- Kubhadharwa nemushandi wako nokukurumidza, nekuchengeteka, nekuvimbika - hapana chikonzero chekubhadhara mari yako kubhangi
- Kushandura zvikwereti zvako kuitira kuti usambokanganwa kana kubhadhara munguva pfupi
- Kuita kutenga kutenga paIndaneti usingashandisi cheki kana kadhi rechikwereti - unogona kuitwa nekutengesa nokukurumidza
- Kuderedza nhamba yezvidimbu zvepepa inofamba-famba nekodha yako yebhangi
Nzira huru yekutora kwevatengi ndeyokuti kuisa ACH mari zvinoreva kuti mabhizimisi anokwanisa kupinda zvakakwana kuongororo yako yekuongorora. Vachatora mari yacho kuti vabhadhara mabhiriro enyu kana iwe uchida kana kuti kwete. Kana iwe uri pfupi pamari, iwe ungasarudza kubhadhara nzira yakasiyana (kana sarudza uye usarudze waunobhadhara) kuitira kuti zvikwereti zvakakosha zvibhadhe kutanga.
Kuti uwane mamwe mashoko pamusoro pekuti vatengi vanoshandisa sei ACH, verenga nezvekugadzira ACH debit .
Chii chinoitwa neACH kune Bhizimisi?
Kana iwe uchimhanya bhizinesi , iwe uchabatsirwa kubva:
- Nzira yakaderera, isiri-yevashandi yekutsvaga mari
- Kubhadhara vashandi vasina kukosha kudhinda cheko kana kubhadhara mahofisi
- Kubhadhara nevatengi nyore nyore, nokukurumidza, uye nguva dzose - kwetezve mari-kutumbuka kwemagunche kunobva paunokwanisa kusvika kubhangi
- Kuchengetedza mari inenge yakaderera pane chikwereti chekwereti inoshandiswa mari
- Kubhadhara nevatengesi - kana kuita zvikwereti kune vanotengesa - nenzira iyo iri nyore kutarisa (pane imwe purogiramu yekombiyuta) uye yakachengeteka
Mabhizimisi anotarisana nechinetso chimwechete sevatengi: pane kuwirirana zvakananga kuongororo yako yekuongorora, uye chero zvikanganiso kana kusatarisira kusingatarisiri kunogona kukonzera zvinetso. Mukuwedzera, mabhizimisi anofanirwa kuchenjerera nevatengi kutengesa mhosva uye kubhadhara kubhadhara (chero chikonzero).
Zvichienderana nemvumo uye zvibvumirano zvaunoshandisa, unoisa pangozi kutumira zvinhu kuti uwane kuti vatengi vanobva vaisa gakava uye vanodzokorora kubhadhara.
Pakupedzisira, mabhizimisi angada kutenga software kana nguva yekuisa mari uye zvigadziro kuchinja kuACH kuendeswa. Zvisinei, ivo vangangodaro vanopfuura kudzokorora izvo zvinodhura munguva refu.
Kuti uwane mamwe mashoko pamusoro pekuti mabhizimisi anoshandisa sei ACH, verenga nezveACH processing .