Kodzero dzeMikorodho Dzokorora Check Check and Card Payments
Vazhinji vashandisi vatove vachishandisa zvipo zveACH, kunyange zvazvo vangave vasingazivi nezvenyaya yekugadzira.
Apo vashandi vanobhadhara mubhadharo kuburikidza nebhadharo yakananga kana vatengi vanobhadhara zvikwereti zvemagetsi kunze kwekutarisa maakare , mutauro weACH unogona kunge uri kukonzera yezvikwereti izvozvo. Maererano NACHA, Electronic Payments Association shure kweACH network, mabhiriyoni makumi maviri nemashanu ekubhadhara ACH yakaitwa muna 2016.
Basics of ACH
ACH zvikwereti zvinongotengeswa kwekombiyuta kubva kubhengi imwe yebhangi kuenda kune imwe. Zvinowanzoshandiswa zvinosanganisira:
- Mutengi anobhadhara mupiro webasa.
- Mumwe mushandi anoisa mari kumubhizimisi wekuongorora chebasa.
- Mutengi anotengesa mari kubva kubhangi rimwe kuenda kune imwe.
- Bhizimisi rinoripira mutengesi kune zvigadzirwa.
- Muteresi anotumira mari kune IRS kana masangano emunharaunda .
Kuzadzisa zvikwereti, sangano rinokumbira kubhadhara (kana vachida kutumira mari kana kugamuchira mari) inoda kuwana ruzivo rwebhuku rebhangi kubva kune rimwe bato rinobatanidzwa. Semuenzaniso, vashandi vanoda vashandi vachishandisa zvakakwana mari kuti vape zvinhu zvinotevera:
- Zita rebhangi kana chikwereti chinogamuchira mari
- Rudzi rwekambani iri kubhangi iyo (kuongorora kana kuchengetedza)
- Bhizinesi reAAA rinotora nhamba
- Nhamba yekambani yekugamuchira
Nezvo ruzivo, mubhadharo unogona kugadzirwa uye uchiendeswa kukero yakarurama. Izvo zvakafanana zvinotarisirwa kuti zvigadzire kushandiswa kwekutora kubva kumabhuku evanhu.
ACH zvikwereti zvinowanzogadzirwa nemagetsi kubvira pakutanga kusvika pakupedzisira. Asi dzimwe nguva mapepa anoongorora mapepa anotendeuka kuenda kune magetsi , uye mari inofamba nenzira yeACH.
Batsiro kumativi ese: Mafaira emagetsi anozivikanwa nekuda kwezvikonzero zvakawanda.
- Nemhaka yekuti vari magetsi, zvipo zveACH zvinoshandisa zvishoma zvishoma pane zvekare zvepa peki checks. Hapana chidimbu chemapepa, inki, mafuta anotakura kutengesa, nguva uye kubasa kubata uye kuisa cheki, nezvimwe zvakadaro.
- Kugadziriswa kwekombiyuta kunoita kuti zvive nyore kuchengetedza zvemari uye mari. Nekutengeserana kose, mabhangi anoita rekodhidhi yekombiyuta. Kubhadhara uye hupfumi hwekugadzirisa zvishandiso zvinogonawo kuwana iyo yenyaya yekutengeserana.
Nei mabhizimisi akaita seACH Mipiro
Mabhizimusi anobatsirwa nokutumira uye kugamuchira mari neACH.
Zviri nyore kubata: Kana vatengi vachibhadhara cheki, mabhizimisi anofanira kumirira tsamba kuti iuye, uye zvino vanofanira kuisa cheki nebhangi. Maripo dzimwe nguva inorasikirwa, uye kupinda muzvikwereti izvozvo muchengeti rekuchengetedza rekodhi inoshanda-yakasimba. Kodzero dzemakombiyuta dzinogamuchirwa nokukurumidza uye dzakavimbika, uye hapana chikonzero chekuenderera mberi kuongororwa kubhangi uye kumirira kwemazuva mashomanana kuti uwane kuti cheki dzinoiswa bounced .
Chinokosha kudhura kupfuura plastiki: Pamabhizimisi anobvuma kubhadhara nekadhi rechikwereti, zvinodhura zvishoma kushandura ACH kutumirwa kupfuura zvinotora kutora kadhi rechikwereti.
Kunyanya apo paunounganidza zvikwereti zvinowanzoitika, iyo mari inowedzera, uye kushandiswa kwezvikwereti izvozvo kunongowedzera zvikwereti. Zvisinei, ACH haina kukupa nguva chaiyo yekubvuma / kurega mhinduro sechikwereti chekadhi rechikwereti.
Kubhadhara kure-kure: Mabhizimusi anokwanisa kubhadhara mari neACH kure, kunyange zvakadaro zvakafanana pamakadhi emakwereti. Kana vatengi vako vasina makadhi echikwereti kana kuti vasada kutumira kadhi ravo nguva dzose, ACH inogona kupa mhinduro.
Kuti uwane hurukuro yakajeka yeACH yekushandiswa kwebhizimisi, ona ACH Processing Basics
Nei Vatengi Vachida Kubhadhara neACH
Vashandi vanobatsirwawo nezvikwereti zveACH.
Kubhadhara zvakajeka: Hapana chikonzero chekunyorera checks, reorder chekuongorora pavanenge vabuda, uye kutora machekeri mumakero nenguva. Hapana zvikwereti zvingawedzerwa kune makadhi avo emari-mari yacho inobva pakabhengi yebhangi.
Autopilot: Kana ukashandisa zvikwereti zvinokonzerwa neACH, vatengi havafaniri kuchengetedza ziso kune zvikwereti-kana kuita chero chinhu. Kana zviri nani kana zvakanyanya, zvinhu zvose zvinotenderera pazvigadziro.
Dzidza zvakawanda nezvekuti sei uye nei vatengi vanoshandisa ACH. Ona ACH Debit yeVatengi .
Nzira Yokugamuchirwa ACH Mipiro kubva kune Vatengi
Kubvuma kubhadhara neACH, iwe unoda kushamwaridzana nemutambo wokubhadhara. Iwe unogona kunge uine hukama neye-iwe hausi kungoshandisa basa reACH asi zvakadaro. Maitiro akawanda ekubhadhara aya achakubatsira kutora mari yeACH, saka inobhadhara kutengesa kune imwe iyo inoita chaizvo zvaunoda.
Tanga nekubvunza vako varipo vanopa mazano kana vachikwanisa kubhadhara mari yeACH kwauri:
- Bhizinesi umo iwe unoramba uine bhizinesi rako
- Kambani inoshandisa kadhi rechikwereti (kana zvimwe) mari yako kare
- Your accounting software inopa-mapurogiramu akakurumbira anokubvumira kuumba invoice uye kugamuchira zvipo neACH
Nzira itsva yekubhadhara mari inowanzopinda mumusika, uye inogona kuva yakakodzera kumabhizimusi mashoma anongoda kuita zvikwereti zveACH zvisingaverengeki. Semuenzaniso, Plooto inokubvumira kutumira kana kugamuchira zvikwereti kutanga pa $ 1.00 mumwe nomumwe, uye hapana chekubhadhara pamwedzi. Mabhizimisi makuru anogona kubhadhara zvishoma pane izvozvi nokuda kweACH, asi zvinogona kutengesa kana iwe uine zvishoma zvekutengesa mwedzi mumwe nomumwe.
Zvinowedzera Zvakadini?
ICH ndiyo sarudzo yemabhizimisi ehupi zvese. Iwe pachako unowanzobhadhara mari shoma kana iwe uine mabhuku akawandisa, asi zvakafanana kune zvekadhi kadhi rechikwereti. NACHA inoshuma kuti inodhura mari inenge inenge 11 cents per transaction. Kune mabhizimisi maduku, vateresi vebasa vanogona kutengesa katatu kusvika ku5 nguva iyo yakawanda (imwe chete inowanzobhadharisa-kutengesa, asi vamwe vanosanganisira mari yemwedzi kana kutora chikamu chebhadharo imwe neimwe). Zvichienderana nehuwandu hwenyu hwemaiti yetikiti, iyo mari inogona kuramba ichikwikwidzana nemari yekugadzirisa debit kadi kubhadhara.
Iva nechokwadi chekutarisa mufananidzo mukuru apo uongorore dzimwe nzira: Hazvikwanisi kutenga chero chimwe chinhu kugamuchira cheke, asi chii chinonzi tradeoff? Kutarisana neavo cheki kunotora nguva, uye mari zvichida haipindi munhoroondo yako nokukurumidza. Kune mamwe mabhizinesi, sevadzidzisi vanoga kugamuchira imwe chete kana maviri cheki pamwedzi uye avo vanobuda mumari haisi nyaya, zvinogona kuva dambudziko kupfuura zvakakosha kugadzira ACH. Asi vamwe vanogona kuuya mberi mberi nekugadzira nguva yakawanda muzuva.
Iwe pachako ACH Mipiro
Somunhu, iwe unogona kutumira kana kugamuchira zvikwereti kuburikidza neACH kana bhizimisi kana imwe sangano iri kune rumwe rutivi rwekutengeserana. Kutungamira munhu-kune-munhu Nhengo dzekubhadhara zvinenge zvisizvo hazvisi zvingasarudzwa, asi zviri nyore kutumira mari pamwe nemuteereri anobatanidzwa.
Chechitatu-party apps: Zviverengera mapurogiramu nemasevisi ekubhadhara anokubvumira kutumira mari kune shamwari nevemhuri pasina. Izvozvi mapurogiramu anopa mugumo wepamberi kubhengi yako yebhangi, uye vanowanzoshandisa ACH kuti vaite mari nekutora.
Bhizimusi: Bhengi yako kana chikwereti chekambani inogona kuva nebasa rekubhadhara P2P rinokubvumira kutumira mari. Iko kushanda kunogona kuva bhangi-zita, kana kuti vangave chikamu cheZelle kana Popmoney .
Zvinosuruvarisa, hazvisi nyore kune mumwe munhu kungovhara pane mamwe mabhizimusi ehumwe munhu uye kupedzisa kutumira. Zvichienderana nebasa raunoshandisa, munhu waunotumira kwaari kana kuti unogamuchira kubva angada kuzarura kambani nemupiki webasa kuti apedze mubhadharo (kana kuti kupa bhizinesi dzavo uye nhamba dzebhuku kumushandi webasa).
Zuva Rokubhadhara Zuva
Nharaunda dzeACH zvikwereti mazuva maviri kusvika kune matatu mazuva ebhizinesi, kunyange zvazvo vhiki dzevhiki uye mazororo zvinogona kuderedza kushanda. Mazuva ano kune-inoda nyika, iyo inononoka zvikuru-kunyanya magetsi. Zuva rakabhadharwa ICH zvikwereti zvakatanga muna 2016, uye kushanda kuri kuwedzera, saka unofanirwa kutarisira kuona nokukurumidza kubhadhara munguva pfupi.