Iri Iro Mune Mitemo Here? Zvakadini Nezvokudya Zvishoma Zvishoma?
Izvi zvakaitika Rini?
Kana zvakashamisa kuti vatengesi vanogona kuita izvi, hausi wega.
Mitemo inobvumira kubhadhara kadhi rechikwereti uye zviduku zvinotenga zviri zvitsva. Somugumisiro wechikoro chekuita mhosva pamusoro pemakadhi ekubvisa uye mabhangi, vatengesi vakakunda kodzero yekuwedzera mari yepamusoro kana kuti "checkout" mari inotanga munaJanuary 2013. Asi vatengesi vakawanda vakanga (uye vanoramba vachive) vanononoka kuwana mari yekukwereta kadhi rechikwereti. Vamwe, sevatengi vakawanda, vangave vasingazivi nezvekwanisi yavo yekubhadhara zvimwe, uye vamwe havadi kuonekwa sevari kutsvaga vatengi kune zvimwe zvishoma zvemari.
Vatengesi vanobvumirwawo kugadzirisa zvido zvishoma zvekutenga mushure me2013 zvichienderana neDurbin Amendment (chikamu cheDodd-Frank Wall Street Reform uye Consumer Protection Act, iyo yakaparidzwa semugumisiro wematambudziko emari). Pakutanga huwandu hunoiswa pasingadarika $ 10, asi nhamba iyoyo inogona kugadziriswa mune ramangwana, zvichida nekuda kwekuwedzera.
Kare, vatengesi vakanga vasingabvumirwi kuita chimwe cheizvi.
Zvisinei, zvakanga zvisinganzwisisiki zvekuti vatengesi vaiti "zvisina kukwana" vakagadzirisa mari shoma yekutenga. Iyi miitiro yakanga isiri yemutemo panguva iyoyo, asi yaiva kuputsa kwechibvumirano chemutengesi nemakambani ekadhi rechikwereti. Vatengesi havawanzopi kurangwa nekuputsa mitemo.
Nyika Dzairirwa muKadhida yeKadhidhi yeKuwedzerwa
Kunyange zvazvo zviri pamutemo pasi pemutemo wehurumende kuti uwedzere kubhadharwa kwekadhi rechikwereti, mamwe maitiro anorambidza tsika.
Gumi gumi dzakatotongerwa mitemo mumabhuku asati apfuura 2013. Zvino vatengesi vanogona kushandisa zvepamutemo zvinodhura, mamwe masangano ari kutarisa kuparadzanisa tsika yacho zvakare. Iyo inotaura kuti pakutanga yakagadzira kadhi rechikwereti rinokwidza pamutemo iri California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma neTexas.
Zvibvumirano kune Vatengesi
Kana vatengesi vakasarudza kushandisa kadhi rechikwereti, vanofanira kutevera mitemo mishoma:
- Ichokwadi chokuti kune chikwata chinofanira kufanirwa kujekeswa kwauri zvisati zvaitika
- Chikwereti chekadhi rechikwereti chinofanira kuratidzirwa pamutori wako
- Izvo zvinowanikwa hazvikwanise kudarika chikamu icho mutengesi aripa kana 4% (iwe unobhadhara muduku kune aya maviri, kazhinji 2-3%)
Cherechedza kuti zvikwereti uye zvishoma zvido zvekutenga zvinongobvumirwa chete nokuda kwekutenga kadhi rechikwereti - kwete debit kadi kutengesa (kunyange kana iwe ukasainira mutengesi panzvimbo yekushandisa PIN).
Kuputsa Mitemo
Usashamiswa kuona vatengesi vachiputsa mitemo iyi. Vari kuvhiringidza munhu wese, uye vamwe vatengesi vanongosarudza kusavatevera. Chii chaungaita kana mumwe munhu achishandisa chikwereti chekwereti chisina kukodzera?
Kutanga, ramba uchifunga kuti muridzi webhizinisi angave asingazivi mitemo nemitemo pamusoro pekukwereta kadhi rechikwereti.
Vane zvakawanda zvavanogona kubata nazvo, kunyanya muhupfumi hwehupfumi, nekucheka mari yavo pachavo haisi pamusoro pezvinyorwa zvezvinhu zvinokosha. Kana iri bhizinesi rebhizimisi kana amai-uye-pop, vangovaudza kuti iwe unofunga kuti vangave vari kuputsa mitemo - zviri mukufarira kwavo kuziva ichi uye kuramba mukutambudzika nemakambani ekukweretesa makadhi uye vatongi (makambani makuru anofanira kunge ikozvino tanga tichiziva izvi). Mabhizimisi ane anotevera akatendeka anogona kugara achiita kuti vatengi vavo vazive kuti havafariri kubhadhara nekwereti yemakadhi, uye vangatokwanisa kupa zvikwereti zvekutenga mari.
Kana bhizinesi riri kuputsa zvakashata mitemo uye iwe uchida kuita chimwe chinhu pamusoro paro, unogona kuudza bhizinesi kumakambani ekadhi rechikwereti, avo vakasaina zvibvumirano nemabhizimisi aya anorambidza basa rakadaro.
Rondedzera kukanganisa kuburikidza kudana kadhi yako mutori uchishandisa nhamba iri kumashure kwekadhi rako, kana kutumira kunyunyuta paIndaneti:
- Isai mushumo pamusoro pekutengesa kweVisa
- Tumira rondedzero pamusoro peKutengesa MasterCard
Kana mabhizinesi achiputsa mutemo (nokuwedzera zvikwereti muhurumende zvinodzivisa, kana kuwedzera zvakanyanya kupfuura zvinotenderwa pasi pezvematongerwo enyika), unogonawo kuzvidudzira kuhurumende yako Attorney General.
Kana uchida kuziva kuti sei mabhizinesi ari kuramba achiisa pangozi kutyora mitemo nemitemo , mhirizhonga yavo ndeiyi: vanofanira kubhadhara mari yekugamuchira makadhi emakwereti, kazhinji kubva kubva pa3% kubva kune zvese zvekutengesa (mari yebhadhidhi yebhadhiro yakaderera). Mune mamwe mashizha, kunyanya kana kutengesa kuduku kuchibatanidzwa, zvakaoma kuita chero mari apo vatengi vanobhadhara nekadhi rechikwereti. Kana iwe uchida kutsigira bhizinesi rako rega, edza kudzivisa kubhadhara nemakadhi ekwereti uye uudze shamwari dzako kuti uite kudaro - nenzira iyo bhizinesi rinogona kuchengeta zvakawanda zvezvavanotenga, uye havangamboedzi kuregeredza mitemo.