Nebhadhadziro yakanamatira, makadhi debit, uye makadhi emakadhi, vanhu vashomanana uye vashomanana vari kushandisa mari uye cheki dzekutengesa. Muchirongwa che 2016 chekubhadhara, kubhadhara mari yeStys kwakawana kuti 75 muzana yevanhu vanofarira kushandisa chikwereti kana mabhidhidhi ekutengesa.
Kana uri kuverenga izvi, mukana iwe uri mumwe wevaya vanofarira kubhadhara kutengesa nemapurasitiki. Saka apo uri kuita chikwereti chekwereti chekwereti kune bhizinesi-paIndaneti kana nefoni zvichida-ungashamiswa kuona kuti vari kutengesa kadhi rechikwereti kutengesa mari.
Icho chiri chepamutemo here? Ko mabhizimusi anobvumirwa kubhadhara mari yekutengesa kune vatengi vanoda kungoshandisa makadhi avo emakadhi?
Chii Chakwereta Mari yeKodha?
Mari yekutengesa ndiyo mari yekuti mabhizimusi anotengesa vatengi vanoshandisa kadhi rechikwereti panzvimbo yeimwe nzira yekubhadhara inowanikwa yebhizimisi. Semuenzaniso, bhizinesi rinowanzobvuma kutarisa kana ACH yekutengeserana yakapa mari yekubhadhara kadhi rechikwereti semunogona kutora mari yekuwedzera yekutengesa.
Zvinokonzerwa Mhosva vs. Surcharges
Marikiti yemakadhi ekubhadhara mari uye mari yepamusoro inowanzoshandiswa zvakasiyana, asi haisi chinhu chakafanana. Kubhadharisa mari inokweretwa kune vatengi chete nokuti vari kushandisa kadhi rechikwereti. Merchant kadhi rechikwereti chekwereti rinoderedza vatengesi kubva kubhadhara mari yepamusoro pamatengesi. Uyezve, zvikwereti hazvisi pamutemo muCalifornia, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma, Texas, uye Puerto Rico.
Kunyange zvazvo kadhi rechikwereti vasingabvumirwi kubhadhara chikwereti pamari yekubhadhara chikwereti, vanobvumirwa kupa chikwereti kune vatengi vanobhadhara nemari. Iwe ungangodaro wakacherechedza mamwe magetsi, semuenzaniso, ane mutengo mumwe chete wakatarwa kubhadhara kadhi rechikwereti uye zvishoma, zvakaderedzwa mutengo wekutengesa mari.
Iyi tsika inobvumirwa.
Sei Kushandisa Bhizinesi Kutenga Mari?
Kunyange zvazvo kadhi rechikwereti kutengesa mari inoshushikana uye mari inowedzera kune vatengi, mabhizimisi anokwereta mari inowanzova nechikonzero chepamutemo chemari chokubhadhara mari yacho.
Iko inonyanya kukosha mari kune mabhizinesi ekugadzirisa kadhi rechikwereti. Makambani ekukweretesa makambani anotengesa mari pamabhizimisi ekutenga kadhi rekwereti. Mabhizimisiwo anofanirwa kubhadhara software uye hardware yekugadzira makadhi emakadhi.
Mabhizinesi anowanzogamuchira makadhi echikwereti anowanzovaka mari yekugamuchira makadhi mumatengo avo. Izvi zvinonyanya kuitika kune mabhizinesi anowanzotengesa zvigadzirwa nemabasa zvakananga kuvanhu. Mamwe mabhizimisi anotora iwe zvakananga chete pamari yehumwe hutano hwawakashandisa. Aya mabhizimusi haadari padhigiriti yekukweretesa mari yekutenga mumutengo wawakabhadhara.
Makambani ehurumende, vashandi venyika, uye masangano ehurumende, somuenzaniso, vanowanzobhadhara iwe zvakananga nemari yaunokwereta. Nezvizizimisi izvi, zvinogona kusununguka kubhadhara cheki kana ACH. Asi, kana iwe uchida kushandisa kadhi rechikwereti kana debit kuti uchengetedze bhadha yako, iwe unogona kunge uchibhadhara mari yaunoda.
Ndiani anosarudza kana Kadhi Chekwereti Inokwereta Inogona Kupa Mitero Yakanaka?
Apo vatengesi vane kadhi rechikwereti vakasungwa nezvibvumirano zvavari nekadhi kadhi rechikwereti.
Izvi zvibvumirano zvinotsanangura zvinhu zvakasiyana-siyana vatengesi vanogona uye havagoni kuita apo vari kugamuchira makadhi emakadhi. Chikwereti chekugadzira mitambo mitambo, kureva Visa, MasterCard, American Express, uye Discover, ine mitemo yakasiyana-siyana pamusoro pekuti vatengesi vanobvumirwa kutengesa mari yakakodzera.
- Visa, inobvumira mari inoshandiswa, asi inongowanikwa chete apo kubhadhara kunoitika pane imwe nzira yekubhadhara, sefoni kana paIndaneti; apo mutengi akaudzwa nezvebhadharo inotangira nguva; uye vatengesi vanodhura purogiramu yakadzika, kwete chikamu chekutengesa.
- MasterCard inobvumira masangano ehurumende nemasangano ezvidzidzo kupa mari yekubhadhara kadhi rechikwereti chero bedzi ivo vachipa dzimwe nzira dzokubhadhara.
- American Express inobvumira mari inoshandiswa yemamwe marudzi ekutengeswa chero bedzi kushandiswa kwevatengi kwekadhi rechikwereti chaizvoizvo kuri nyore. Mari ipi zvayo yakakodzera inofanira kuzarurirwa isati yatengeswa kumutengi.
- Tsvaga hauna purogiramu yemari yekwereti inodiwa mari. Pane kudaro, kadhi rechikwereti rinotoda chete kuti vatengesi vabate zvose makadhi echikwereti zvakafanana. Izvozvo zvinoreva kuti vatengesi havagoni kutenga mari yakakodzera paDzidza mari dzekubhadhara chikwereti, asi kwete pane zvekushanda kweVisa.
Zvinokwanisika mari zvinogonawo kutorwa pamadhikiti ekutengeserana, sezvo makadhi aya anowanzogadziriswa akafanana nemakadhi emakwereti kana achishandiswa paIndaneti, pamusoro pefoni, kana muzvikwereti zvekubhadhara. (Makadhi ekubhadhara anongoshandiswa sebitengo, kudarika debit card network, apo PIN inopinda.)
Chii Chaunogona Kuita Nezvokudya Zvokudya?
Kana kambani iri kubhadhara mutemo wekwereti yemari yekutengesa mari, vatengi vanongova nezvisarudzo zviviri. Unogona kuripa mari kana kusarudza imwe nzira yekubhadhara.
Mune zvimwe zviitiko, iwe ungasakwanise kurega kubhadhara mari yakakodzera, kunyanya kana iwe usina imwe nzira yekubhadhara. Kunyange zvazvo chiri chinetso, ndicho chimwe chaunofanira kubvuma pane imwe nguva, nokuda kwekushandisa kadhi rako rechikwereti. Mari yacho haigoni kukubata nekushamisika. Vatengesi vanofanirwa kukuzivisai nguva isati yapfuura kuti muchabhadharwa mari yakakodzera.
Kusiyana nedzimwe mhando dzebhadharo yemari yekwereti , mari yekutengesa inowanikwa zvakananga mune mutengesi. Kana iwe uri kuita $ 100 zvekutengesa uye mutengesi anotengesa $ 12 mukana wekutengesa, mutengo wako wose wekutenga waizova $ 112. Iva nechokwadi chokuti une chikwere chakakwana chakakwana kana mari yakakwana muakaunti yako yekuongorora kuti uvhare zvakakwana mutengesi.
Kana uchinge waziva bhizimisi mari yekutengesa, iwe unogona kuronga iyo nguva inotevera kana iwe uchizoita mutengesi navo kana iwe unogona kuronga kushandisa imwe nzira yekubhadhara nguva inotevera. Semuenzaniso, mamwe mabhizimusi achagadzirisa ACH zvinyorwa achishandisa kero yako yekuongorora uye nhamba yekufambisa pasina kukubhadhara iwe mari ipi zvayo.
Zvinokwanisika mari zvingaita sediki pamutengo wekutengesa. Somuenzaniso, iwe une simba chete unofanira kubhadhara $ 3 kana $ 4. Zvisinei, kana iwe uchibhadhara mari yakawanda yekutengesa mwedzi mumwe nomumwe, mari yacho inogona kuwedzera nyore kusvika kudarika $ 100 gore rega rega.