Isuna: heerka of bangiyada. Xisaabinta iyadoo la kaashanayo kaararka caaga ah

Isuna - waxaa kaararka bangiga in ay bixiyaan alaabta. Si ay u bixiyaan adeega, bangiga abuurayaa in boosteejada shabakado ganacsiga. Sanadihii la soo dhaafay, marka lagu daro qalabka caadiga ah, caan helay boosteejada mobile Xararad, jidaynayey si ay u sameeyaan lacagaha aan tixraac meeshii goobta xafiiska. Kuwaas oo qalab ugu fiican in la doorto iyo sida loo kiciyo adeega, akhri on.

wadnaha

Si aad u isticmaasho adeega, waxaa lagama maarmaan ah in la soo gabagabeyn heshiis isuna. Waxaa loo higgaadiyo doonaa shuruudaha adeega, size of guddiga, muddada soo celiyo, iyo wixii la mid ah. D. Rakibaadda iyo la xidhiidha qalabka, tababarka shaqaalaha waa lacag la'aan. Bangiyada qaarkood waxay bixiyaan in ay qaataan kirada ah terminal. Adeeggan wuxuu kuu ogolaanayaa outlet ah in la kordhiyo tirada macaamiisha, isbeddelkaas lacagaha, yareeyo halista ah ee lacagta caddaanka ah iyo kharashka ururinta (at xawaaraha sare). Sida laga soo xigtay tirakoob, isticmaalka boosteejada ogolaanaya bangiyada in ay soo jiidato 20-30% ka mid ah macaamiisha.

shuruudaha

Kaararka Admission adeegyada lacag bixinta ee Russia waxa uu noqday waajib ah dukaamada iyo goobaha ganacsiga. Ma muddo dheer ka hor, sharciga waxaa loo soo maray, sida laga soo xigtay ururka uusan qaadan caag ah, ganaaxay 30-50 kun. Rubles 2015. Payment In qofka soo jiidata martida ka badan (gaar ahaan dalxiisayaasha).

The sare qadarka jeegga, sare u jaaniska in ay macaamiisha ah uusan haysan lacag kaash ah oo ku filan in lagu bixiyo. In qayb ka mid ah maqaayadaha iyo dukaamada saamiga isuna sii kordhaya. Kaliya ee sanadka 2015 tirada xawaalad dhex kaararka caaga ah ayaa kordhay 18%.

Yaa u muuqataa in isuna?

"Alfa-Bank" iyo hay'adaha kale ee amaahda ugu adeegi labada macaamiisha cusub oo hadda jira. Joogitaanka account ma aha xaalad muhiim ah. Just macaamiisha cusub yeelan doonaan in ay soo gudbiyaan waraaqo dheeraad ah si uu saxiixaa heshiiska.

kaarka Doorashada

set ugu yar waxaa ka mid ah kaararka Visa iyo MasterCard. Haddii shabakad ganacsi oo diiradda lagu saaray adeegga macaamiisha ka hay'adaha dawladda, waa in sidoo kale la xiran via Visa Electron, Maestro Xayawaanka Oggol, MasterCard ee Electronic. Laakiin Cunnada Club, American Express, iyo sidoo kale kaliya macaamiisha aad u qani ah Gold iyo Platinum bangiyada kaararka arrinta.

Terms of celiyo - 1-3 maalmood. Haddii ururka ayaa xisaab furay acquirer ah, hawlaha guud ahaan, net guddiga tiriyey maalinta ku xigta. Haddii adeegga ugu weyn ee lagu qabtay urur kale, ka dibna ku saabsan lacagaha isku xidhka waxa ay qaadataa saddex maalmood oo kale. Qaar ka mid ah hay'adaha maaliyadeed sugayaan magdhow buuxa ka nidaamka ka dibna qabtaan tarjumaadda. Markaas marka la eego waxaa la soo taagay saddex - shan maalmood. Haddii aadan awoodin ama diyaar u ahayn in ay sugaan, waxaad ka dalban kartaa lacag dheeraad ah processing bixinta Deg ah.

Guddiga

Abaal-marinnada waxa loo xisaabinayaa boqolkiiba lacagta iibka. Size loo dhigay oo shabag kastaa wuxuu si gooni gooni ah oo ay ku xiran tahay arrimaha soo socda: .. Sphere ee dhaqdhaqaaqa, muddada isbeddelkaas ayaa celcelis ahaan shaqo ee suuqa, nooca xidhiidhka, iyo si isuna Guddiga ayaa sidoo kale ku xidhan tahay dhex-. Iyada oo tixgelin la helay boqolkiiba gaar ah (sida caadiga ah 1.1%) wareejiyo nidaamka lacag bixinta, qayb kale - bangiga bixinta. Sababo la xiriira tartanka sare ee heerka celceliska bangiyada isuna 'u dhexeysa 1.5-4% lacagta macaamilka ah.

The ka weyn hawlgalka, ka yar ee lacagta adeegga. Macaamiisha leh dakhli yar yahay waxaa laga yaabaa in la siiyo lacag bil kasta loo isticmaalo qalabka. Waxa muhim sidoo kale waa hab of gudbinta macluumaadka (internetka ama silig).

of technology

Sida loo dhigay ilaa isuna? "Alfa-Bank" ama hay'ad kale credit ka dib markii la saxiixatay heshiis ay la gaareen shirkada macmiilka siisaa qalab gaar ah iyo software. Si aad u taariikhda, waxay isticmaalaan POS-boosteejada (Point Of Sale - «Point of Sale"). Qalabka waxa akhriya macluumaadka ka card iyo isgaarsiin bangiga. Boosteejada yihiin caadiga ah iyo wireless. Arintaan waa ku haboon mudalabyada ama askartii ordi jirtay. Qalabka akhri cajalad ku magnetic iyo chips.

Macluumaadka ku jira bangiga waxaa la isugu gudbin karaa iyada oo:

• wac-up - waa ka raqiisan, laakiin xidhiidhka ka qaataa dhowr daqiiqadood,
• GSM, GPRS - baahan internet,
• Ethernet, Wi-Fi - jawaab dagdag ah.

Wada jir ah ula sahayda qalabka loogu talagalay bangiyada qabtaan shaqaalaha tababarka, u sheegay shaqaalaha sida loo isticmaalo qalabka iyo baajiso lacagaha. Sidoo kale siin tutorial ah oo degdeg ah oo ku saabsan samaynta qalabka haddii loo baahdo. Halkan sida ay isuna.

bangiyada canshuuraha

Xirashada iyo configuring qalabka dhinac saddexaad waxaa lagu bixin karaa Guddiga. Faa'iidada of isticmaalaya boosteejada bangiga waa in ay dhacdo of dillaacin ama beddelaad ah biligleynaya oo lacag la'aan ah. Waa in ay tixgeliyaan ka hor inta aanad ka soo isuna. bangiyada canshuuraha bixiyaan "marinnadii" macaamil card. Tusaale ahaan, haddii caddadka xawaalad bil ka yar 50 kun per. Xoq., Laga yaabaa in la intaasi dheer oo siiyaa Commission ee foomka of a ajuurada dayactirka ganaax ama account.

Dhaqaajiso adeegga. Laakiin ka hor inta aadan saxiixin heshiiska ka mid ah helitaanka, waxaad u baahan tahay in si taxadar leh ku baran soo jeedinta ee bangiyada. Marka aad doorato hay'ad aad u baahan tahay in aad bixiso waxa kaararka u adeegto dareenka, size ee guddiga, shuruudaha kala iibsiga lacagaha iyo xaaladaha kale.

Ka fikir waxa heerka on isuna Sberbank bixiyeen. Iyada oo ku xidhan mugga dakhliga ka soo jeeda khariidadaha, guddiga kala duwanaan karaan kala duwan ee 0.5-2.2% lacagta. The kharashka qiimaha caadiga ah ee xaddi qalab 1.7-2.2 kun. Xoq. bishii. Ka dib markii buuxinta codsiga software lagala soo bixi karaa goobta. Sberbank sidoo kale bixisaa macaamiisheeda awood u leh in ay ku xidhmaan Internet-isuna on xaaladaha shaqsiga. Waayo, hirgelinta nidaamka maamulka content heli karo, waxaa jira dhowr xal diyaar-dhigay.

lacagta Online

Internet isuna - soo dhaweynta ka mid ah kaararka bangiga lacag bixinta internetka. Si ay u bixiyaan adeegyada hay'adaha credit iyo xarumaha processing isticmaalaya interface gaar ah oo awood kaarka si ay u sameeyaan lacagaha on goobahaasi. Faraqa kaliya ee ka soo heerka adeegga waa in xogta ma aha akhristaha kaarka akhrin karo, oo waxay galeen by bixiyaha foom gaar ah.

mobile isuna

Savings Bank iyo hay'adaha amaahda kale ee dalka oo aan muddo dheer ka hor bilaabay in ay isticmaalaan wireless mPOS-boosteejada. In West ah, waayo, sababtan aawadeed muddo dheer waa Square, PayPal, iZettle. ma jiraan analogues ee Russia: 2Can, LifePay. Qalabka Kuwan waxaa loogu talagalay ganacsatada, ka reeban diiwaanka lacag kaash ah. Waxay akhri xogta laga kaarka, iyaga wareejiyo app on your smartphone, kiniin. Adeegga codsado lacagta, barbaro kor u bixinta iyo soo diro xogta bangiga.

In ay ku xidhmaan ah "VTB" In qofka terminal mPOS-marayo, waxaad u baahan tahay in ay keento caddaymo ah ee TIN, QASHIN, oo agaasime ka ah baasaboorka, heshiiska loo furo an account, tababaraha sawir iyo sugto dhowr maalmood. Waayo, adeeg ee unug kasta oo qiimihiisu yahay bangi gaar ah. In acquirer 2Can waa "Ruush Standard" iyo "Furitaanka". "Prombiznesbank" with "Express-Volga" iyo "Gazenergobank" LifePay adeegga. "PrivatBank" ayaa iPay, "Alfa-Bank" - Bixi-Me, iyo "Rasuulka" - SumUp.

Ma mobile ka qaalisan isuna. Canshuuraha bangiyada celcelis ahaan 2.5-5% halkii marba. In cadadka lacagta iyo tirada marinka ugu yaraan iyo ugu badnaan waxaa lagu wadaa. In xisaabinta tayada adeegyada waa in ay tixgeliyaan xaqiiqada ah oo wax ka tarta isuna macaamiisha by 20-30%. Sidaas daraaddeed in kharashka laga yaabaa in si buuxda xaq ku noqon.

Sida loo sameeyo doorasho?

Isuna dukaamada loo baahan yahay, xafiisyada iibka, iyo meelaha la dhibic bixinta. Gaar ahaan loogu talagalay shabakadaha la tiro badan oo ah bangiyada horumariyo xal dhameystiran - barnaamij, hirgelinta oo isdhexgalka la makiinadaha POS. Bixinta adeegyada, taas oo keliya ma aqbalaan lacag bixinta, laakiin sidoo kale ku siin jeeg, waxaa lagama maarmaan ah in ay ku xidhmaan a hybrid POS-boosteejada. Haddii lacagta yar yahay, oo qof ayaa la bixin askartii ordi jirtay lacag caddaan ah. Mobile isuna ku haboon dilaaliinta caymiska kuwaas oo u baahan in ay aqbalaan lacag jeeg ka sarreeyaa celceliska. Inta badan oo ka mid ah dadka isticmaala mPOS-boosteejada - PI ah iyo shirkadaha kuwaas oo hawlaha ku xiran yihiin soo dhoweynta ee lacagaha ku haboonayn in arimahan: dukaamo online, adeegyada taxi iyo shirkadaha xamuulka, guri-dhexdiis, guri, caafimaad iyo adeegyo kale.