Kodi njira yolipira ndi chiyani?

chifukwa kugulitsa pa intaneti, muyenera kupatsa makasitomala malo kuti athe kulipira ndi njira zomwe zimawayendera bwino. Kwa izi, muyenera kukhala ndi njira yolipira. Ichi ndi chinthu chofunikira chifukwa ndi gawo lomaliza pakugula kapena kugulitsa.

La njira yolipira ndi ntchito yomwe ikugwiritsidwa ntchito m'masitolo amagetsi, kuti athe kulipira makasitomala. Kutengera njira yolipirira yomwe mumagwiritsa ntchito m'sitolo yanu, mupeza zabwinoko kapena zoyipa kwa makasitomala anu ikafika pakulipira.

M'nkhaniyi, ndikuwonetsa zonse zomwe muyenera kudziwa za momwe zipata zolipira zimagwirira ntchito. Tiyeni tizipita !!

🥀 Kodi njira yolipira ndi chiyani?

Njira zolipirira ndi nsanja zomwe zimalola kugulitsa ndalama pakati pa anthu awiri pa intaneti. Kuti mugwire nawo ntchito, mungofunika imelo yolembetsa ndi akaunti yakubanki. Akaunti yakubanki imakulolani kuti mutenge ndalama zanu. Nthawi zambiri imagwira ntchito ku Backoffice.

Ubwino wa zipata zolipira ndikuti amathandizira njira yonse yolipira kwa wogula ndi inu.

Wogula adzakhala ndi njira zingapo zolipirira kugula (ndalama, kirediti kadi, chindapusa, kusungitsa kapena kusamutsa kubanki) ndipo njira yolipira idzakudziwitsani mukalandira ndalamazo.

Muyenera kudziwa kuti chipata cholipira sichimangogwira mabizinesi apaintaneti. Zimagwiranso ntchito kumasitolo enieni omwe amagwiritsa ntchito njira zolipirira makadi. Unjira yolipira nthawi zambiri amaperekedwa kwa kasitomala kudzera ku banki yawo yolipira, komanso amathanso kuperekedwa kudzera pa "third party" gwero lotchedwa wopereka chithandizo chamalipiro.

Njira yolipirira imadutsa zidziwitso zamalonda pakati pa malo olipira monga tsamba lawebusayiti kapena foni ndi gwero lolipira (banki). Koma, kodi njira yolipira imagwira ntchito bwanji?

🥀 Momwe njira yolipira imagwirira ntchito

Njira yolipira yapangitsa kuti malonda pa intaneti akhale osavutazosavuta ndi zothandiza. Choyamba, kasitomala amaika oda kudzera pa webusayiti, pulogalamu, kapena kudzera panjira yogulitsa.

Dongosololi limasunga nthawi yomweyo chidziwitsocho, kenako ndikuchitumiza ku seva yapaintaneti ya wamalonda. Panopa ndondomekoyi ikuchitika kudzera mwa a SSL (Secure Socket Layer) encryption.

Wogulitsayo akalandira malangizo olipira, amatumiza kudzera pachipata chawo cholipira. Deta ikajambulidwa, zidziwitsozo zimasamutsidwa ku banki ya wamalonda, yomwe idzapereka pempho lolipira ku banki yomwe idayambitsa chidziwitso choyambirira (kubanki yamakasitomala).

Pamene deta ndi kutsimikiziridwa ndi kukonzedwa mkati mwa masekondi, malipiro adzatumizidwa ku akaunti ya wamalonda. Pakachitika cholakwika nthawi iliyonse ya njirayi, uthenga wofananira udzatumizidwa kwa makasitomala ndi amalonda za vutoli.

Kuphatikiza apo, mutatha kujambula zofunikira, pakhoza kukhala zopempha zapadera zomwe zili ndi udindo "osalipidwa” ndipo, motero, wamalonda atha kutumiza pempho la “kumasulidwa", zomwe zimapempha banki kuti ilipire.

🥀 Momwe mungagwiritsire ntchito njira yolipira

Ngati mukufuna, mumagwiritsa ntchito njira yolipira patsamba lanu, ndi zophweka. Chitani ngati ine potsatira njira izi:

✔ Gawo 1

Lowetsani tsamba lolowera pachipata chomwe mwasankha ndikupanga akaunti. Pitani ku PayPal mwachitsanzo kuti muchite izi. Phatikizani akauntiyo ndi sitolo yanu yapaintaneti polemba nambala yamakasitomala anu pachipata pawoyang'anira mtambo wanu. Zachidziwikire, zonse zimatengera mtundu wa woyang'anira zomwe mumagwiritsa ntchito.

✔ Gawo 2

Wogula akalipira kuyitanitsa, chipatacho chimatumiza imelo yotsimikizira kuti malipirowo adakonzedwa bwino. Sizoyenera kutumiza oda musanakhale ndi chitsimikiziro ichi.

Ndalama zomwe zasonkhanitsidwa zidzakhalabe mu akaunti yeniyeni yachipata chomwe mwasankha. Mutha kusamutsa ndalamazi ku akaunti yanu yakubanki kuchokera pagulu loyang'anira zipata, kapena kuwapempha kuti akulembereni cheke. Nthawi zina, muyenera kudikirira masiku angapo musanachotse ndalamazo.

🥀 Mitundu ya zipata zolipira

Masiku ano, kusinthana pakati pa mabizinesi ndi makasitomala kwakhala kosavuta komanso kosavuta kwambiri pakukhazikitsa zipata zolipira.

Masiku omwe mabizinesi amangodalira kusamutsidwa mwachindunji kubanki zatha. Pali mitundu inayi (4) ya njira zolipirira zomwe zilipo, zomwe ndi:

✔ Njira zolipirira zokhazikitsidwa

Ndi zipata zolipirira zolandilidwa, makasitomala amatumizidwa kuchokera patsamba lalikulu la tsamba la bizinesi kupita patsamba lolipira bizinesi. Kamodzi pa tsamba lolipira, kasitomala adzafunsidwa kuti adina ulalo womwe ungawalondolere patsamba lopereka chithandizo chamalipiro (PSP).

Patsamba la PSP, kasitomala adzafunsidwa kuti alembe zambiri zamalipiro awo, ndipo nthawi zina, kulowa ngati ali ndi akaunti ndi PSP. Pempho la malipiro likangotsimikiziridwa, kasitomala adzatumizidwa ku tsamba lolipira kuti amalize ntchitoyi.

Pofika pano, Stripe imatengedwa kuti ndi imodzi mwa njira zolipirira zodziwika kwambiri komanso zodalirika. Pangani akaunti ya Stripe ndizosavuta kwambiri.

Njira zolipirira zokhala ndi zodziwika bwino pa intaneti. Koma zabwino ndi zoyipa zogwiritsa ntchito njira yolowera pachipata ndi chiyani?

Zipata zokhalamo zimapereka chitetezo kwa makasitomala chifukwa amagwirizana ndi PCI komanso kuteteza ntchito zachinyengo. Mutha kusintha njira yolipira iyi, ndipo ndiyosavuta kugwiritsa ntchito ndikuikonza, ndipo kulembetsa nthawi zambiri kumakhala kosavuta komanso kopanda zovuta.

✔ Zodzipangira zokha zolipira zipata

Zodzipangira nokha zipata zolipirira ndizo kulamulidwa kwathunthu ndi wamalonda. Ndi makasitomala amtunduwu amayenera kutumiza deta yolipira kudzera patsamba la kampani.

Deta ikasonkhanitsidwa, imadutsa mugawo lachinsinsi chifukwa zina mwazipatazi zimafuna kuti deta itumizidwe mwanjira inayake. Chipata chodziwika chodzipangira nokha chimagwiritsidwa ntchito pa Shopify, yomwe imayendetsedwa ndi Stripe.

Zochita zonse zimamalizidwa pamalo amodzi. Wogulitsa amawongolera njira yonse yolipirira ndipo imatha kusinthidwa mwamakonda. Komabe, palibe njira yothandizira luso. Ngati pali vuto, muyenera kulikonza nokha kapena kubwereka katswiri wodziwa kuti akuchitireni. Njira yomalizayi mwatsoka ndiyokwera mtengo kwambiri.

✔ Njira zolipirira API

Application Programming Interface (API) imalola makasitomala kuti alembe zambiri zamalipiro awo kudzera pa kirediti kadi kapena kirediti kadi patsamba lotuluka. Malipiro kudzera muzosankhazi amapangidwa kudzera mu API processing.

API ndi mesenjala yemwe amatenga zopempha ndikuwuza dongosolo zomwe mukufuna kuchita, kenako ndikutumizani yankho kwa inu. Njira yolipirira API imapangitsa kuti kulipira kukhale kosavuta kwa amalonda.

Zimapangitsa kukhala kosavuta kuphatikiza njira yolipira ndi tsamba lawebusayiti. Ingolowetsani mizere iwiri kapena itatu yamakhodi patsamba lanu. Aliyense amene ali ndi chidziwitso chaching'ono chaukadaulo amatha kuphatikiza njira yolipirira patsamba lawo pogwiritsa ntchito API.

Monga zopindulitsa, zitha kugwiritsidwa ntchito pamapulatifomu osiyanasiyana, kuphatikiza mafoni ndi mapiritsi. Itha kusinthidwa kuti ipatse makasitomala mawonekedwe abwinoko (UI) ndi chidziwitso cha ogwiritsa ntchito (UX).

Komabe, amalonda ali ndi udindo wopanga zosankha zotetezeka zazachuma zamakasitomala zomwe zimaperekedwa kudzera patsamba lawo.

✔ Direct Payment Gateways / Local Bank Integration

Njira yolipirira iyi imaphatikizapo kuphatikiza banki yamakasitomala yapafupi kuti akatsegula fomu yolipira, amatumizidwa patsamba la bankiyo.

Akafika pamalowo, amafunsidwa kuti alembe zambiri zawo komanso zambiri. Liti kudya kumayamba, adzatumizidwa ku webusayiti ya amalonda. Chidziwitso chotsimikizira chidzatumizidwa akabwerera kutsamba la wamalonda.

Monga zopindulitsa, ndizoyenera kwa mabizinesi ang'onoang'ono komanso mabizinesi omwe akufuna njira imodzi yolipira. Komabe, satero musalole kulipira mobwerezabwereza. Pachifukwa ichi, sangakhale abwino kwa makampani akuluakulu kapena ogulitsa. Izi zimangopereka zofunikira zolipirira ndipo sizimaloleza kubweza.

🥀 Momwe mungasankhire njira yoyenera yolipira?

Posankha chipata cha malipiro, muyenera kuganizira zinthu zina. Nazi mfundo zina zofunika kuzikumbukira:

✔️ Yang'anani kuyenera kwazinthu zanu

Sikuti njira zonse zolipirira zimagwira ntchito pamabizinesi onse, motero, muyenera kufufuza kaye ngati njira yoyenera imathandizira malonda ndi ntchito zomwe mumapereka.

Chipata chilichonse chamalipiro chili ndi mndandanda wa ntchito zololedwa ndi zoletsedwa zomwe imachita komanso sizikuthandizira. Kuphatikiza apo, njira yolipira ikhoza kuletsa ntchito zina kutengera dera lomwe muli.

Mwachitsanzo, PayPal sapereka ntchito zawo m'maiko ena. Silolola mtundu uliwonse wa malonda a katundu ndi ntchito m'derali. Kudzakhaladi kutaya nthawi kuti muwonjezere pa tsamba lanu kuti mudziwe mtsogolo kuti sizingagwiritsidwe ntchito.

✔️ Chithandizo chandalama zingapo

Izi ziyenera kukhala chimodzi mwazofunikira kwambiri mukamayang'ana njira yolipirira kuti muwonjezere kukonza zolipirira ntchito zanu, makamaka ngati mumapereka katundu ndi ntchito m'magawo osiyanasiyana.

Nthawi zambiri, makasitomala amapewa makampani omwe alibe ndalama zambiri chifukwa chakusinthana akhoza kukwezedwa. Kukhala ndi njira yamitundu yambiri kumathandizira makasitomala, kukulitsa bizinesi yanu ndikupangitsa kuti kulipira kukhale kosavuta kwa makasitomala ndi amalonda.

Nthawi zambiri, ndalama zitatu kapena zinayi zingakhale zabwino, makamaka ngati zimagwiritsidwa ntchito kwambiri (USD, EURO, etc.).

✔ Kukonza malipiro ofunikira

Posankha chipata, muyenera kulabadira njira zolipirira. Makamaka zikafika pa kirediti kadi kapena kirediti kadi komanso kubanki pa intaneti. Makasitomala akufuna kutsimikiziridwa kuti gawo lokonzekera likhala lowonekera komanso kuti sadzakhala ndi zovuta zothetsera kumapeto kwa tsiku.

Kuphatikiza apo, ngakhale mutapereka mwayi wolipira kudzera pamakhadi ndi maakaunti aku banki, kodi machitidwe awo ali m'malo othana ndi kuchedwa komwe kungachitike?

✔ PCI yogwirizana

Khalani ogwirizana ndi PCI ndikofunikira mukafuna kusankha njira yolipira pa intaneti. Mukufuna kukhazikitsa chidaliro chimenecho ndi makasitomala anu kuti adziwe kuti deta yawo ndi yotetezeka ndi inu komanso kuti palibe ntchito yomwe idzamalizidwe popanda kukhazikitsidwa.

Makhadi a ngongole ndi zida zofunika kwambiri pamoyo wa munthu, kotero ngati njira yolipira yomwe mukuyang'anayo siyikugwirizana ndi oyang'anira, mungafune kutuluka. Malangizo ndi malo otetezedwa omwe zipata ziyenera kuvomereza kulemekeza chitetezo cha khadi.

✔️ Mitengo ndi zolipira

Muyenera kuyang'ana pazipata mitengo ndi malipiro. Zipata zambiri zimalipira njira yolembetsa komwe muyenera kulipira mobwerezabwereza kuti alandire ndikuwongoleranso deta yanu yolipira.

Momwemonso, mukufuna kuwonanso mitengo ndi chindapusa, chifukwa izi zithandizira kudziwa zosintha kwa makasitomala kudzera pazipata izi (zophatikizidwa pang'ono ndi mtengo womaliza wamakasitomala).

✔ chitetezo

Njira yolipira yomwe mukugwiritsa ntchito ikupereka mkulu mlingo wa chitetezo kwa amalonda ndi makasitomala? Chitetezo ndi gawo lofunikira kuti liwunikenso kwathunthu. Chifukwa zambiri zamakasitomala zidzawonjezedwa patsamba lanu ndikutumizidwanso kudzera pazipatazi.

Kodi adzatetezedwa kwa obera kapena omwe akufuna kuphwanya nsanja yanu yolipira? Njira imodzi yodziwira ndikuyesa mayeso oyenera ndi ma benchmarks ndi chipata musanayikhazikitse kwathunthu patsamba lanu.

✔️ Ntchito zamakasitomala

Kuwona zonse zamalonda ndi kasitomala kudzatumizidwa kudzera pazipata izi. Mukufuna kugwiritsa ntchito ntchito za munthu yemwe ali ndi njira yothandiza komanso yothandiza kwamakasitomala.

Pakakhala zovuta muyenera kulumikizana ndi gulu kuti muthetse mavutowo. Komanso, sankhani chipata chomwe chithandizo chamakasitomala chimatha kukupatsirani mayankho mwachangu kuti musadandaule ndi makasitomala anu.

🥀 Odziwika bwino opereka zipata zolipira

Pali ambiri opereka zipata zolipirira omwe akupezeka kuti athandizire bizinesi.

✔️ Mikwingwirima

Stripe imapereka zida zosinthika zomwe zimathandizira kukonza zolipirira mabizinesi apaintaneti. Imapereka mapulani obwereza kapena olembetsa, nsanja zopezera ndalama zambiri ndi masamba ena ofunikira kwambiri pa intaneti.

Kupanga akaunti ya Stripe ndi zosavuta komanso zachangu. Stripe salipiritsa zolipiritsa kapena zolipirira pamwezi ndipo alibe ndalama zina zobisika. Komabe, ngati mugwiritsa ntchito njira yolipira iyi, 2,9% malipiro pamwamba pa $0,30 idzalipiridwa pamalipiro akhadi aliwonse omwe amalizidwa bwino.

✔️ PayPal

Paypal ndi m'modzi mwa omwe amalandila zipata zodziwika bwino kwambiri. Ndilopezeka kuposa ambiri. Apo kupanga akaunti ya PayPal Est zosavuta komanso zachangu

Ndi PayPal, ogwiritsa ntchito pa intaneti amatha kuwonjezera makhadi awo angongole kapena kingingi ndi zambiri zakubanki kuti alipire pa intaneti popanda amalonda kulumikizana mwachindunji ndi komwe amapezera ndalama.

Mitengo ndi Malipiro Okhazikitsa - Paypal siyilipiritsa ndalama zolipirira kuchokera kwa ogula kapena omwe amapanga nawo akaunti. Komabe, amalonda amalipidwa 3,4% pamwamba pa $ 0,30 pakuchita makadi. Palibe zolipiritsa pamwezi, zolipiritsa pachipata, kapena chindapusa chokhazikitsa.

✔️ Authorize.net

Kuyambira 1996, Authorize.net imapereka njira zothetsera zolipirira mazana masauzande amalonda apaintaneti padziko lonse lapansi. Authorize.net imavomereza kulipira ndi kirediti kadi ndi macheke amagetsi (cheke pakompyuta).

Ndi yosavuta komanso yosavuta kugwiritsa ntchito. Ndi njira yabwino kwa masitolo akuluakulu a e-commerce ndi opereka chithandizo.

Mitengo ndi Malipiro Okhazikitsa - Mosiyana ndi zipata zina zambiri zolipirira, Authorize.net ikulipiritsa chindapusa cha $49 ndi chindapusa chobwereza cha $29 pa chiwongola dzanja cha mwezi uliwonse.

✔ Payoneer

Payoneer ndi kampani yazachuma yomwe ili ku New York City. Kampaniyo idakhazikitsidwa mu 2005 ndipo imagwira ntchito pothandizira kutumiza ndalama pa intaneti, ku United States komanso kumayiko ena.

Payoneer ili ndi ogwiritsa ntchito opitilira mamiliyoni anayi m'maiko opitilira 200 padziko lonse lapansi ndipo imatha kukonza zochitika zapamalire ndi ndalama zopitilira 150.

Malipiro ochokera kwa a Akaunti ya Payoneer ku ena ndi aufulu. Uwu ndi mwayi weniweni ngati makasitomala anu amagwiritsanso ntchito Payoneer. Malipiro omwe amaperekedwa kudzera ku banki yakumaloko amakhala ndi chindapusa cha 0% ngati apangidwa ndi madola aku US.

Kusamutsidwa mu ma euro kapena ma pounds sterling ndi kwaulere. Malipiro opangidwa ndi eCheck amakhalanso 0% mtengo mu madola aku US. Malipiro opangidwa ndi kirediti kadi amakhala mtengo wokhazikika wa 3%.

🥀Mafunso

✔ Kodi njira yolipira ndi chiyani?

Njira yolipirira ndi ntchito yotetezeka yomwe imathandizira kuti pakhale ndalama pakati pa ogulitsa ndi ogula pa intaneti. Imakonza zolipira ndi khadi la banki, kusamutsa, chikwama cham'manja, ndi zina. ndi kudalirika kotheratu.

✔ Kodi njira yolipirira imagwiritsidwa ntchito chiyani?

Njira zolipirira zimapangitsa kuti zikhale zosavuta komanso zachangu kuvomera zolipira pa intaneti osagwira mwachindunji data yakubanki. Amaperekanso ntchito zowonjezera zowonjezera monga kutembenuza ndalama.

✔ Ubwino wa njira yolipira ndi yotani?

Ubwino wake ndi: kugulitsa kotetezedwa, kusinthika kwa njira zolipirira, kuvomereza kolipira kwamitundu yambiri, malipoti atsatanetsatane, kutembenuka kwandalama, kukhathamiritsa kwakusintha kwamitengo, ndi zina zambiri.

✔ Momwe mungasankhire njira yanu yolipira?

Ganizirani zodalirika, zitsimikizo zachitetezo, zida zomangidwira, njira zolipirira zothandizira, kuwonekera kwa malipiro, chithandizo chamakasitomala, ndikuphatikiza ndi tsamba lanu.

✔ Kodi zipata zolipirira zimakhala zovuta kukhazikitsa?

Non, mayankho ambiri a turnkey alipo ndipo ndi osavuta kukonza kudzera pa intaneti yoyang'anira. Zina ndi pulagi-ndi-sewero kapena kupereka ma API omwe ndi osavuta kuphatikiza mwaukadaulo.

✔ Kodi tsamba langa la e-commerce likufunika khomo lolipira?

inde, njira yolipirira tsopano ndiyofunikira pa tsamba lililonse la e-commerce kapena nsanja yapaintaneti yomwe ikufuna kuvomereza zochitika mwaukadaulo.

🥀 Pitilizani

Mwachidule, njira yolipira ndi ntchito yotetezeka yapaintaneti yomwe imathandizira kuti pakhale ndalama pakati pa wogulitsa ndi wogula pa intaneti.

Mwachindunji, chipata cholipira chimagwira ntchito mkhalapakati wodalirika posonkhanitsa zidziwitso zamabanki m'malo mwa wamalonda. Limaperekanso zinthu zosiyanasiyana zosavuta monga kutembenuka kwa ndalama, kuthandizira njira zingapo zolipirira, komanso malipoti atsatanetsatane.

Posankha njira yodalirika yokhala ndi ziphaso zoyenera, mutha kuvomera zolipira pa intaneti ndi kirediti kadi komanso kusamutsa, chikwama cham'manja kapena zina ndi mtendere wamumtima. Ntchito yanu ndi chosavuta komanso chotetezeka.

Chifukwa chake ngati mukufuna kuyambitsa bizinesi yapaintaneti kapena kusintha sitolo yanu kukhala digito, lingalirani zophatikizira njira yolipira. Masiku ano, ndi wothandizira wofunikira kuti muthe kulipira bwino.