Boosteejada isuna: maamulka la xidhiidha. terminal Payment

horumarinta xiriirka lacageed uu shuruud u ah in ay soo bixitaanka of kaararka deynta. Waxaa loogu talo galay in ay fududeeyaan habka of dahableyaal. Iyadoo horumarinta horumarka farsamo muuqday isuna. adeegga bangiyada Tani ayaa kaarka galay aalad loo isticmaalo maalin kasta.

prehistory

"In qofka" (sida ka Ingiriisi "yeelasho" tarjumay ..) - nidaam aqbalo kaarka lacag bixinta adeegyada. Sida laga soo xigtay muhiimadda ay leedahay waxaa ka mid ah in la la dhalashada ee telefoonada gacanta la barbar dhigo karo. Markii hore isuna ahaa heer hoose ah. Khasnaji loo isticmaalo "imprinter", kaas oo kaarka toogtay "aragti" la faahfaahinta. Qalabka aanu ula xiriiraan bangiga iyo shaqaalaha dukaanka lahaa inuu u soo yeedho machadka dhaqaale si loo xaqiijiyo helitaanka lacagaha koontada macmiilka. terminal electronic Modern muuqday badan ka dib.

wadnaha

In ay ka faa'iidaystaan ka buuxa adeegyada, waxaa lagama maarmaan ah in ay heshiis ka mid ah bangiga isuna iyo xirmaan terminal ah, barta ay ka sale. bangiga isuna - hay'ad credit oo fuliya xisaabaha la shirkadaha isticmaalaya kaararka lacagaha, iyo / ama bixinta lacag si dadka haysta kaarka oo aan ka diiwaan gashan ah macaamiisha bangiga. Sayidka ururka isku mar qaban karaan kaararka arrinta soo saaray isuna boosteejada.

Noocyada isuna:

1. Shopping - la soo bandhigay ee makhaayadaha, dukaamada, hoteelada, iwm
2. Internet - iibka badeecadaha in World Wide Web.
3. ATM - waa boosteejada iyo ATM meesha aad ka account ka bixi kartaa lacag caddaan ah.

terminal The awood wareejinta lacagaha koontada shirkada Internetka ama khadka taleefanka ah. Adigu soo iibso muhiim ma aha. First, bangi kasta waxay leedahay kala duwan oo ka mid ah mashiinada, iyo marka labaad, mid ka mid ahaa hay'ad credit ka fulin doonaa si ay u siiyaan taageero qalab farsamo "shisheeye". Waayo, hawlaha u baahan yahay ma aha kaliya boosteejada isuna, laakiin sidoo kale diiwaanka lacag kaash ah ku xiran nidaamka lacag bixinta ah.

Merchant isuna

Geedi socodka aad u of alaabta wax iibsadaa iyada oo indhaha u bixinta lagu tilmaami karaa sida soo socota:

• macmiilka gudbiya khasnaji caag ah;
• khasnaji qabtaa hawlaha loo marayo isuna terminal la preauthorization iyo weydiiyo macaamiisha in ay galaan PIN ah,
• xiriir la dhiso, la, haystaha akoonka waxaa soo gala lacagta loo baahan yahay in ay bixiyaan hubi.

Isla mar ahaantaana, shirkadda, taas oo uu isticmaalaa terminal bixinta waa in ay:

• in meel qalabka gayiga dhismaha;
• aqbalaan kaararka adeegyada lacag bixinta,
• in ay bixiyaan bangiga lacag la bixiyo adeega.

bangiga, markeeda, waxaa waajib ku ah:

• bixiyaan qalabka;
• shaqaalaha tareenka la boosteejada shaqeeya;
• hubi baaqiga waqtiga hawlgalka;
• celiso lacagta bixisay,
• soo gudbiyaan rasiidhada kharashka;
• fuliyaan taageero farsamo buuxda.

Internet isuna

Qorshahani wuxuu la mid yahay mid ka mid ah la soo dhaafay, laakiin ma jiraan wax xiriir toos ah la iibiyaha by iibsadaa. Geedi socodka oo dhan waxa loo sameeyaa iyada oo a web-interface. macaamiisha doorto alaabta on site iibiyaha iyo yeerto on the "iibso" button. Next, furi foom u gaar ah halkaas oo aad rabto in aad geli faahfaahinta kaarka lacag bixinta. Tani waxa loogu yeero shirkadda baaraandegidda. Si loo xaqiijiyo heshiiska waxiibsashada, bangiyada badan weydiiso passwords hal mar, taas oo iman qaab farriimaha SMS si haystaha kaarka. Xaqiijinta bixinta, macmiilka diraa codsi ah in bangiga si ay u gudbiyaan xaddi gaar ah oo lacag koontada kaydka online.

mobile isuna

Wakhti aan sidaa u ago muuqday on the suuqa mPOS-boosteejada, kaas oo gacanta isuna. Waxay yihiin akhristaha kaarka ku xiran telefoonka ah. On qalabka codsiga la geliyo, iyada oo loo marayo taas oo terminal gacanta iyo shaqada isuna la hababka lacag bixinta. aaladaha noocan oo kale ah waxay leeyihiin dhowr faa'iidooyinka marka la barbardhigo mashiinada dhaqanka:

• iyagu waa mobile;
• leeyihiin wareega helaan saacad si ay u akoonka ah;
• isuna boosteejada mobile ka yar caadiga ah;
• lacagta listicmaalka isticmaalaya iyaga oo ammaan ah iyo kuwa kale.

boosteejada Mobile sidoo kale waa ku haboon, sababtoo ah waxay u ogolaadaan in ay bixiyaan adeegyada darawal tagsi ee pizza gaariga iyo bixinta guriga.

isku xigxiga ee hawlaha

xawaalad lacag dhex boosteejada waa sida soo socota:

1. Lacaghayaha heysta kaarka dhex terminal ah.
2. Warbixin ku saabsan qofka la gudbiyo rugta maaraynta.
3. Nidaamka ay hubinaysaa dheelitirka koontada.
4. Haddii ay jiraan qadar ku filan si ay u gudbiyaan lacagaha xisaabo u dhexeeyo.
5. terminal 2 saartay nuqul ka mid ah jeegga. Mid ka mid ah ayaa weli at shaqaalaha dukaanka, iyo tan labaad oo loo soo diray inay wax iibsadaa.
6. liisaska iibiyaha Acquirer macnaheedu waa laga jaray lacag ah.

Isuna ee Russia

In Russia, nidaamka weli ka yar yahay horumarinta. Tirada guud ee kaararka soo saaray dalka ayaa ka sii badnayeen dadka. Inkastoo saamiga caymiska ee Maraykanka iyo Yurub ka badan 2-4 jeer.

Against asalka dhaqanka dhaqaale ee koritaanka dadweynaha ee kaarka la arko hab ku haboon bixinta iyo helidda khayraadka, laakiin isuna ee Ruushka ayaa gaabis ka badan qorsheeyey. 15 sano ka hor, ratio ee lacag caddaan ah iyo kuwa aan lacagta caddaanka ah bixinta waa 97% iyo 3%. Maanta tirooyinka kala duwan yihiin: 85% iyo 15% .Hase yeeshee 70% ka mid ah hawlaha ay ka baxaan lacag ka xisaabta.

Iibsato iyo terminal bixinta la xiran karaa bangiga kasta oo dalka. Kaliya waxay u baahan yihiin in ay maraan si ay sumcad iyo waayo-aragnimo ah hay'ad credit ah. Tusaale ahaan, PJSC "QASHIN" siisaa macaamiisha ay la adeega "QASHIN-Go». By xulashada mid ka mid ah afar boosteejada, macmiilka uu helo adeegyada si aad u hesho afar kaar oo ka mid ah hababka lacag bixinta. Xaaladaha ah Qasab - comtittee bixinta at 1.8% oo u aqoonsashada kuwa lacagaha xisaab macmiilka laba maalmood gudahood. Waxaad isticmaali kartaa adeegga toddoba maalmood gudahood ka dib codsiga.

On xaaladaha kale ee laga bixiyo Sberbank isuna terminal. heerka guddiga ku tiirsan tahay mugga dakhliga billaha ah, kaas oo dhex mara kaarka, oo waxaa laga yaabaa in laga 0.5% ilaa 2.2%. Waayo, isuna boosteejada u baahan tahay inaad bixiso adeeg 2 thous bil kasta. Xoq.

Ku xiridda isuna terminal: 1C "Tafaariiq"

Waayo, document dejinta "In qofka hawlgalka" waxaa loo isticmaalaa in 1C. Pre-u baahan in ay dhaqaajiso Doorashadan in tab ah "Maamulka", ka yar "Maaliyadda", adigoo "kaarka lacag bixinta". Abuur "isuna tallaabo" waxay noqon kartaa in tab ah "Maaliyadda" ama on a "iibinta alaabta", "amarada macaamiisha".

In dariishaddii faahfaahin ka dokumentiga ugu wayn jiido. Tusaale ahaan, "ayuu Qandaraaslaha", "Sum" iyo "Item Magaca". Intaa waxaa dheer, waxaad u baahan tahay sheeg ah "Terminal", "view", "kaarka aqoonsiga." Macluumaadka waxaa laga soo saaray ee "Treaty of isuna" on "Maaliyadda" tab. Haddii dokumentigan aan la heli karin, markaas waa in la qotomiyey, isagoo farta ku fiiqaya in qaab:

• magaca acquirer ah (iyada oo leh muuqaal heshiiska "Xiriirka kale");
• acquirer counterparty;
• kharashka;
• lambarka kaarkaaga.

Intaa waxaa dheer, ayuu yeelan doonaa si ay u abuuraan barnaamijka isuna terminal.

Ka dib markii buuxinta xogta aad u baahan tahay in ay dib ugu noqdaan warqadda asalka ah iyo si ay u fuliyaan "howlgalka isuna."

Bank hadal

Marka la helo war account in barnaamijka uu yahay mid lagama maarmaan ah si uu u qabto dokumentiga "Report on bangiga isuna." Waxaa la abuuray ee cutubka la mid ah oo ku saabsan "Maaliyadda" tab. Tallaabada ugu horreysa waa in la qeexo heshiis gaar ah la bangiga. Markaasaa "Xulashada" jiido "Rasiidka lacag bixinta." In suuqa kala bixinta, dooro gaar ah isuna hawlgalka oo guji "dhaqaaq dokumentiga." Dhammaan macluumaadka waa la soo bandhigay ee ahaa looxyadii uu warbixintan.

Macluumaad ku saabsan adeegyada bangiga waxaa ka buuxsantay on tab ah "In qofka Commission": item kharashka, xisaab gorfaynta, lacagta. heerka ugu dambeeya - abuurista "Statements on account hadda" oo ku salaysan "Report". Sida laga soo xigtay document ee 1C si account xisaabeed lacag caddaan ah waxaa lagu tiriyaa la soo baxa ka soo harta iibka, saafiga ah ee guddiga.

ut 11

Isuna terminal ee version this 1C xiran yahay si ka duwan. Gaar ahaan:

• in heshiiska la bangiga ku taxan dhammaan hababka lacag bixinta, sida laga soo xigtay oo Treaty ah;
• hawlgallada la macaamiisha depersonalized isticmaalo dokumentiga "Checks CMM";
• Waxaa lagu qabtay "wareejin Close", oo si toos ah u abuuraa "Sales Report" dhamaadka maalinta.

In the "Cheka" on tab ugu horeeyay ee ku qeexan yihiin macluumaad ku saabsan alaabta, kii labaadna wuxuu ahaa - on kaarka lacag bixinta, kii saddexaadna - jeeg xogta iyo magaca qabtaha.

Qoraallada Hagidda ku saabsan isticmaalka qalabka

In fulinta bixinta iyada oo terminal waxaa laga yaabaa in tiro ka mid ah dhibaatooyinka: network failure, baajinta hawlgallada, lacag aan ku filnayn in xisaabta. Waxaan ka fiirsan si faahfaahsan sida loo isticmaalo qalabka iyo baajiso hawlgalka.

Marka la dhameeyo si guul leh terminal howlgalka qora rasiid, kaas oo ku qeexan yihiin: Lambarka Kaarka, lambar tixraac, lacagta macaamilka iyo warqada lacag bixinta. Arintaan waa qoraal ah oo la soo koobin ee rugta maaraynta. Haddii macluumaad ku saabsan xaqiijinta lacagta la helin, waxaa lagama maarmaan ah si aad u joojiso macaamil degdegga ah iyada oo la isticmaalayo ee "Jooji hawlgalka".

Marka dhamaadka wareeg ah waa la fuliyay, "Dib u heshiisiinta ah ee natiijada" at terminal ah. Isla mar ahaantaana, warbixin ku saabsan hawlaha ay fuliyeen is-beddel ah ee ay qiimaha lacageed.

"Baabiiyo bixinta" lagu fulin karaa inta lagu guda jiro wareeg iyo natiijada ka hor ka saarida. Marka howlgalkan la isugu gudbiyo ay tahay tirada terminal (RRN) iyo lambarka jeegga. Ka dib markii in, caddadka lacag ah lagu celin doono wax iibsadaa. Haddii warbixinta ayaa laga saaray, waa in aad sii wadaan "Lacagta" amarka, la tilmaamayo lacagta, lambarka kaarkaaga, iyo hubi hawlgalka. Xaaladda hore, si toos ah u hesho lacag ay wax iibsadaa, oo kii labaadna wuxuu ahaa - ka dib markii la xaqiijiyay macaamilka bangiga.

faa'iidooyinka

Maanta, ururo badan oo ay isticmaalaan isuna boosteejada bixinta. Technology Tani waa fududahay in la isticmaalo, baabi'inta halista ah ee qaata lacagta been-abuurka ah, lacag badbaadin on ururinta. In aan ku xuso xaqiiqada ah in ka qaybgalayaasha barnaamijyada Kuwaas waxay heli alaabta bangiyada gaarka ah ee foomka of barnaamijyada lacagta, qiima dhimista ku saabsan adeegyada iyo tababar lacag la'aan ah. Taa baddalkeeda, macmiilka bixiso iibsadaan jidka haboon.

Dhaqan ahaan, kaararka fadilay qaybaha hantiilayaal dadweynaha. Sida laga soo xigtay tirakoob, fulinta bixinta iyada oo terminal ku keenaysaa in la kordhiyo iibka by 20-30%. Mulkiilayaasha "boorsada caag ah" qeyb doonaa lacag. Celcelis ahaan lacagta ee jeegga, bixiyaa terminal ah, in ka badan intii caadiga ahayd 30%. An dheeraad ah habka lacag bixinta ka dhigaysa shirkadda indhaha u macaamiisha more lagu kalsoonaan karo oo soo jiidasho leh. Isuna sidoo kale waxay kordhisaa tirada iibsada iman kara.