Chii chinonzi gedhi rekubhadhara?

dira tengesa painternet, iwe uchafanirwa kupa vatengi zvivakwa kuitira kuti vakwanise kubhadhara nenzira dzinovakodzera zvakanyanya. Nokuda kweizvi, iwe uchada kuva negedhi rekubhadhara. Ichi chinhu chakakosha nekuti inhanho yekupedzisira mukutenga kana kutengesa maitiro.

La mubhadharo gedhi ibasa rinoitwa muzvitoro zvemagetsi, kufambisa kubhadhara kwevatengi. Zvichienderana negedhi rekubhadhara raunoshandisa muchitoro chako, iwe unozowana zvirinani kana zvakaipisisa ruzivo kune vatengi vako kana zvasvika pakubhadhara.

Muchikamu chino, ini ndinopa zvese zvaunoda kuti uzive nezve nzira yekubhadhara magedhi anoshanda. Handeyi !!

🥀 Chii chinonzi gedhi rekubhadhara?

Kubhadhara magedhi mapuratifomu anobvumira kutengeserana kwemari pakati pevanhu vaviri paInternet. Kuti ushande navo, iwe unongoda email yekunyoresa uye account yekubhangi. Iyo account yekubhangi inobvumidza iwe kutora mari yako. Iyo inowanzo shanda muBackoffice.

Chakanakira kubhadhara magedhi ndechekuti ivo vanorerutsa iyo yese yekubhadhara maitiro kune mutengi newe.

Mutengi anenge aine nzira dzinoverengeka dzekubhadhara kutenga (mari, kadhi rechikwereti, mubhadharo, dhipoziti kana kuendesa kubhangi) uye gedhi rekubhadhara richakuzivisa iwe kana wagamuchira mari.

Iwe unofanirwa kuziva kuti iyo yekubhadhara gedhi haingoshande kumabhizinesi epamhepo. Inoshandawo kune zvitoro zvenyama zvinoshandisa sarudzo dzekubhadhara kadhi. Umubhadharo gedhi inowanzopihwa mutengi kuburikidza nebhangi ravo rekubhadhara, asi inogona zvakare kupihwa kuburikidza ne "wechitatu bato" sosi inonzi mupi webasa rekubhadhara.

Iyo yekubhadhara gedhi inopfuudza ruzivo rwekutengeserana pakati pekubhadhara portals senge webhusaiti kana foni uye yekubhadhara sosi (bhangi). Asi, gedhi rekubhadhara rinoshanda sei?

🥀 Mashandisiro anoita gedhi rekubhadhara

Gedhi rekubhadhara raita kuti kutengeserana painternet kuve nyorenyore uye inoshanda. Kutanga, mutengi anoisa odha kuburikidza newebhusaiti, app, kana kuburikidza nenzvimbo-yekutengesa-system.

Iyi sisitimu inobva yavharisa ruzivo rwacho, yobva yaendesa kune mutengesi wewebhu server. Parizvino hurongwa hunoitwa kuburikidza nea SSL (Yakachengeteka Socket Layer) encryption.

Kana mutengesi achinge agamuchira kuraira kwekubhadhara, ivo vanozotumira nepagedhi ravo rekubhadhara. Kana iyo data yarekodhwa, ruzivo rwaizoendeswa kubhangi remutengesi, iro rinozopa chikumbiro chekubhadhara kubhangi iro rakatanga data rekutanga (bhangi remutengi).

Kana iyo data yakasimbiswa uye yakagadziriswa mukati memasekondi, mubhadharo uchaendeswa kuaccount yemutengesi. Kana paine chikanganiso pane chero nhanho yekuita, meseji inoenderana inotumirwa kune vatengi nevatengesi nezve dambudziko.

Uyezve, mushure mekurekodha data rakakodzera, panogona kunge paine zvakakosha zvekubhadhara zvikumbiro zvichine chimiro "kwete kubhadharwa” uye, nekudaro, mutengesi anogona kuendesa chikumbiro che "kuregedzera", iyo inokoka bhangi kuti riripe.

🥀 Mashandisiro egedhi rekubhadhara

Kana uchida, unoshandisa gedhi rekubhadhara pane yako saiti, zviri nyore. Ita sezvandakaita nekutevera matanho anotevera:

✔️ Nhanho 1

Pinda saiti yegedhi yesarudzo yako uye gadzira account. Enda kuPayPal semuenzaniso kuti uite izvi. Batanidza iyo account nechitoro chako chepamhepo nekuisa yako gedhi nhamba yemutengi mune yako gore maneja. Ehe, zvese zvinoenderana nerudzi rwewebhu maneja waunoshandisa.

✔️ Nhanho 2

Kana mutengi achibhadhara odha, gedhi rinotumira email inovimbisa kuti kubhadhara kwaitwa zvinobudirira. Hazvikurudzirwe kutumira odha usati wawana chisimbiso ichi.

Iyo mari inounganidzwa icharamba iri mune chaiyo account yegedhi rawakasarudza. Unogona kuendesa mari iyi kuaccount yako yebhangi kubva kugedhi admin panhizha, kana kuvakumbira kuti vakunyorere cheki. Mune zvimwe zviitiko, iwe uchafanirwa kumirira mazuva mashoma usati wabvisa mari.

🥀 Mhando dzekubhadhara magedhi

Mazuva ano, kutengeserana pakati pemabhizinesi nevatengi zvave nyore uye zvakanyanya nyore nekuita kwekubhadhara magedhi.

Mazuva apo mabhizinesi aivimba chete nekutamisa kubhengi zvakananga zvapera. Parizvino pane ina (4) mhando dzemagedhi ekubhadhara aripo, anoti:

✔️ Yakagadzirirwa kubhadhara magedhi

Nemagedhi ekubhadhara akabatwa, vatengi vanodzoserwa kubva kune iyo huru peji rebhizinesi webhusaiti kune peji rekubhadhara bhizinesi. Kamwe pane peji rekubhadhara, mutengi anozokurudzirwa kudzvanya pane chinongedzo chinovatungamira kune iyo Payment Service Provider (PSP) peji.

Papeji rePSP, mutengi achakurudzirwa kuisa ruzivo rwake rwekubhadhara uye, pane dzimwe nguva, kupinda kana aine akaundi nePSP. Kana chikumbiro chekubhadhara chikangosimbiswa, mutengi anodzoserwa kune peji rekubhadhara kuti apedze maitiro.

Kusvika kure, Stripe inoonekwa seimwe yeanonyanya kufarirwa uye akavimbika akabatiswa ekubhadhara gedhi. Gadzira iyo Stripe account iri nyore kwazvo.

Magedhi ekubhadhara akachengetwa ndiwo anozivikanwa zvakanyanya painternet. Asi ndezvipi zvakanakira uye zvakaipira kushandisa iyo yakagarwa gedhi sarudzo?

Yakagadzirirwa magedhi anopa mwero wekuchengetedza kune vatengi nekuti ivo vari PCI inoenderana uye chengetedza mabasa ehutsotsi. Iwe unogona kugadzirisa iyi gedhi rekubhadhara, uye iri nyore kushandisa nekugadzirisa, uye kusaina-up maitiro anowanzo nyore uye asinganetse.

✔️ Kuzvimiririra kubhadhara magedhi

Kuzvigashira magedhi ekubhadhara ndeemhando inodzorwa zvizere nemutengesi. Nemhando iyi vatengi vanosungirwa kuendesa data rekubhadhara kuburikidza nekambani webhusaiti.

Kana iyo data yaunganidzwa, inoenda kuburikidza neiyo encryption chikamu nekuti mamwe emasuwo aya anoda kuti data itumirwe mune imwe fomati. Yakakurumbira yekuzvimiririra yekubhadhara gedhi inoshandiswa paShopify, iyo inofambiswa neStripe.

Zvese zvekutengesa zvinopedzwa munzvimbo imwechete. Mutengesi anodzora maitiro ese ekubhadhara uye inogoneka. Nekudaro, hapana tekinoroji yekutsigira system. Kana pane dambudziko, unozofanira kuzvigadzirisa iwe pachako kana kuhaya technician wega kuti akuitire iwe. Iyi yekupedzisira mhinduro inosuruvarisa inodhura zvakanyanya.

✔️ API yekubhadhara magedhi

Iyo Application Programming Interface (API) inobvumira vatengi kuisa yavo yekubhadhara mari kuburikidza nekiredhiti kana makadhi ekubhengi pane yekubhadhara peji. Kubhadhara kuburikidza nesarudzo idzi kunoitwa kuburikidza neAPI kugadzirisa.

An API inhume inotora zvikumbiro uye inoudza sisitimu zvaunoda kuita, yozotumira mhinduro kwauri. Iyo yekubhadhara gedhi API inoita kuti kubhadhara kuri nyore kune vatengesi.

Zvinoita kuti zvive nyore kubatanidza gedhi rekubhadhara newebhusaiti. Ingoisa mitsara miviri kusvika mitatu yekodhi pawebhusaiti yako. Chero ani ane ruzivo rudiki rwehunyanzvi anogona nyore kubatanidza gedhi rekubhadhara muwebhusaiti yavo vachishandisa API.

Sezvinoita, inogona kushandiswa pamapuratifomu akasiyana siyana, kusanganisira mafoni uye mahwendefa. Inogona kugadzirwa kuti ipe vatengi vari nani mushandisi interface (UI) uye mushandisi ruzivo (UX).

Nekudaro, vatengesi vane basa rakazara rekugadzira sarudzo dzakachengeteka dzevatengi vavo ruzivo rwemari rwakaunzwa kuburikidza nesaiti dzavo.

✔️ Yakananga Kubhadhara Magedhi / Local Bank Kubatanidzwa

Iyi sarudzo yegedhi rekubhadhara inosanganisira kubatanidzwa kwebhangi remutengi renzvimbo pakuti pakuvhura fomu rekubhadhara, vanoendeswa kune webhusaiti yebhangi.

Kamwe pasaiti, ivo vanokumbirwa kuisa yavo yekufonera uye ruzivo. Rini kubhadhara kunotanga, vanozoendeswa kune webhusaiti yemutengesi. Chiziviso chekusimbisa chichatumirwa kana vadzokera kuwebhusaiti yemutengesi.

Semabhenefiti, akanakira mabhizinesi madiki pamwe nemabhizinesi ari kutsvaga imwe nzira yekubhadhara. Zvisinei, havadaro usabvumire kubhadhara kunodzokororwa. Nechikonzero ichi, vangave vasina kunaka kumakambani makuru kana vatengesi. Iyi sarudzo inongopa maitiro ekubhadhara ekutanga uye haitenderi kudzoka.

🥀 Nzira yekusarudza gedhi rekubhadhara rakakodzera?

Paunosarudza gedhi rekubhadhara, unofanirwa kufunga nezvezvimwe zvinhu. Heano mamwe mazano ekuchengeta mupfungwa:

✔️ Tarisa kuenderana nezvigadzirwa zvako

Haasi ese ekubhadhara magedhi anoshanda kumabhizinesi ese, uye nekudaro, unofanira kutanga watsvaga kana gedhi rakakodzera richitsigira zvigadzirwa nemasevhisi aunopa.

Yese yekubhadhara gedhi ine runyorwa rweanotenderwa uye anorambidzwa masevhisi aanoita uye asingatsigire. Pamusoro pezvo, gedhi rekubhadhara rinogona kurambidza mamwe masevhisi zvichienderana nedunhu rauri.

Somuenzaniso, PayPal haipe masevhisi avo mune dzimwe nyika. Izvo hazvibvumidze chero nzira yekutengeserana kwezvinhu uye masevhisi munharaunda ino. Chokwadi kunenge kuri kutambisa nguva kuiwedzera kune webhusaiti yako chete kuti uwane gare gare kuti haigone kushandiswa.

✔️ Tsigiro kune akawanda mari

Ichi chinhu chinofanirwa kunge chiri chimwe chezvakanyanya kukosha kana uchitsvaga yekubhadhara gedhi rekuwedzera mubhadharo kugadzirisa masevhisi ako, kunyanya kana iwe uchipa zvinhu nemasevhisi mumatunhu akasiyana.

Muzviitiko zvakawanda, vatengi vanodzivirira makambani asina akawanda mari nekuda kwekutsinhana mitengo inogona kusimudzwa. Kuve neyakawanda-mari sarudzo inovandudza ruzivo rwevatengi, kuwedzera bhizinesi rako uye kuita kuti kubhadhara kuve nyore kune vese vatengi nevatengesi.

Kazhinji yenguva, mari nhatu kana ina dzinenge dzakanaka, kunyanya kana dzichishandiswa zvakanyanya (USD, EURO, nezvimwewo).

✔️ Kugadzirisa mari inodiwa

Paunenge uchisarudza gedhi, iwe unofanirwa kuterera kune yekubhadhara kugadzirisa sarudzo. Kunyanya kana zvasvika kune kiredhiti kana makadhi ekubhengi uye online banking. Vatengi vanoda kuvimbiswa kuti chikamu chekugadzirisa chichave chakajeka uye kuti havazove nematambudziko ekugadzirisa pakupedzisira.

Pamusoro pezvo, kunyangwe iwe ukapa sarudzo yekubhadhara kuburikidza nemakadhi uye maakaundi ekubhangi, masisitimu avo ari munzvimbo yekutarisana nekunonoka kunobvira?

✔️ PCI inoenderana

Iva PCI inoenderana yakakosha kana iwe uchida kusarudza online kubhadhara gedhi. Iwe unoda kumisikidza iyo nhanho yekuvimba nevatengi vako kuti vazive kuti data ravo rakachengeteka newe uye kuti hapana kutengeserana kunopedzwa pasina kutangwa.

Makadhi echikwereti maturusi akakosha muhupenyu hwemunhu, saka kana gedhi rekubhadhara rauri kutarisa risingaenderane neane masimba, ungangoda kubuda. Madhairekitori mapoinzi ekuchengetedza ayo masuwo anofanira kubvumirana kuremekedza kuchengetedzwa kwekadhi.

✔️ Mitengo uye mubhadharo

Iwe unofanirwa kutarisa pamagedhi emitengo uye mubhadharo. Mazhinji magedhi anobhadharisa kunyorera sisitimu kwaunofanirwa kuita mubhadharo unodzokororwa kuti ivo vatore uye vatorezve data rako rekubhadhara.

Saka nekudaro, iwe unoda kuongorora mitengo yavo nemari, sezvo izvi zvichabatsira kuona shanduko kune vatengi kuburikidza neaya masuwo (akabatanidzwa muchikamu chekupedzisira chevatengi).

✔️ chibatiso

Ko iyo yekubhadhara gedhi yauri kushandisa inopa yakakwirira yekuchengeteka zvevatengesi nevatengi? Chengetedzo chinhu chakakosha chekuongorora mukuzara kwayo. Nekuti ruzivo rwevatengi ruchawedzerwa kune yako saiti uye zvakare inotumirwa kuburikidza neaya masuwo.

Vachadzivirirwa here kubva kune vangangoita hackers kana avo vari kutsvaga kutyora webhusaiti yako yekubhadhara chikuva? Imwe nzira yekuziva ndeyekumhanyisa bvunzo dzakakodzera uye mabhenji negedhi usati watanga zvizere pawebhusaiti yako.

✔️ Mutengi sevhisi

Kuona ruzivo rwemutengesi uye rwevatengi runozotumirwa kuburikidza nemagedhi aya. Iwe unoda kushandisa masevhisi euyo ane inoshanda uye inoshanda tsigiro yevatengi.

Kana paine matambudziko unofanira kukwanisa kubata timu kugadzirisa matambudziko. Zvakare, sarudza gedhi iro sevhisi yevatengi inogona kupa mhinduro nekukurumidza kuti uchengetedze kuvimbika kwako kune vatengi vako.

🥀 Yakakurumbira kubhadhara gedhi vanopa

Kune akawanda ekubhadhara gedhi vanopa varipo kuti vafambise mabhizinesi ekutengeserana.

✔️ Mitsetse

Stripe inopa maturusi anochinjika ayo anobatsira kuvandudza kubhadhara mabhizinesi einternet. Inopa zvirongwa zvekubhadhara zvinodzokororwa kana kunyoreswa, mapuratifomu ekuwedzera mari, uye mamwe mawebhusaiti anodiwa zvakanyanya.

Kugadzira iyo Stripe account ndeye nyore uye nokukurumidza. Stripe haibhadharise kuseta kana mubhadharo wepamwedzi uye haina imwe mari yakavanzika. Nekudaro, kana iwe ukashandisa iyi yekubhadhara gedhi, 2,9% mubhadharo pamusoro pe $ 0,30 ichachajwa yekadhi yega yega kubhadhara kwapera zvinobudirira.

✔️ PayPal

Paypal ndeimwe yeanonyanya kufarirwa ekubhadhara gedhi vanopa. Inowanikwa zvakanyanya kupfuura yakawanda. Ikoko kugadzira PayPal account Est nyore uye nokukurumidza

NePayPal, vashandisi vepamhepo vanogona kuwedzera kiredhiti kana makadhi ekubhengi uye ruzivo rwebhangi kuti vabhadhare pamhepo pasina vatengesi kuonana zvakananga nekwavanowana mari.

Mitengo uye Setup Fees -Paypal haibhadharise mubhadharo kubva kune vatengi kana avo vanogadzira account navo. Nekudaro, vatengesi vanobhadhariswa 3,4% pamusoro pemadhora 0,30 ekutengesa kadhi. Iko hakuna muripo wepamwedzi, muripo wegedhi, kana mari yekuseta.

✔️ Authorize.net

Kubva 1996, Inotia.net inopa mhinduro dzegedhi rekubhadhara kumazana ezviuru zvevatengesi vepamhepo pasi rese. Authorize.net inogamuchira kubhadhara nemakadhi echikwereti uye cheki yemagetsi (cheki yemagetsi).

Zviri nyore uye zviri nyore kushandisa. Iyo isarudzo huru kune hombe e-commerce zvitoro uye vanopa masevhisi.

Mitengo uye Setup Fees -Kusiyana nemamwe magedhi akawanda ekubhadhara, Authorize.net inobhadharisa mari yekuseta yemadhora makumi mana nemapfumbamwe nemari inodzokororwa yemadhora makumi maviri nemapfumbamwe pamubhadharo wepagedhi pamwedzi.

✔️ Payoneer

Payoneer ikambani yezvemari masevhisi inotungamirwa muNew York City. Iyo kambani yakavambwa muna 2005 uye inonyanya kufambisa mari yekubhadhara pamhepo, muUnited States nekunze.

Payoneer ine vashandisi vanopfuura mamirioni mana munyika dzinopfuura mazana maviri pasirese uye inokwanisa kugadzirisa kutengeserana kuyambuka mumari dzinopfuura zana nemakumi mashanu.

Kubhadharwa kwe a Payoneer account ane vamwe vakasununguka. Uyu mukana chaiwo kana vatengi vako vachishandisa Payoneer. Kubhadhara kunoitwa kuburikidza nekuendesa kubhangi kwemuno kunounza muripo we0% kana ukagadzirwa nemadhora ekuUS.

Kuchinjisa mumaeuro kana pounds sterling mahara. Kubhadhara kunoitwa neCheck zvakare kunouya 0% mubhadharo muUS dollar. Kubhadhara kunoitwa nekadhi rechikwereti yakatarwa yekugadzirisa mari ye3%.

🥀FAQs

✔️ Chii chinonzi gedhi rekubhadhara?

Gedhi rekubhadhara ibasa rakachengeteka rinofambisa kutengeserana kwemari pakati pevatengesi nevatengi online. Inogadzirisa kubhadhara nekadhi rebhangi, kuendesa, mobile wallet, nezvimwe. nokuvimbika kwakakwana.

✔️ Ndeipi gedhi rekubhadhara rinoshandiswa?

Kubhadhara magedhi anoita kuti zvive nyore uye nekukurumidza kugamuchira kubhadhara kwepamhepo pasina kubata zvakananga data rekubhengi. Ivo zvakare vanopa anobatsira mamwe masevhisi akadai sekushandurwa kwemari.

✔️ Ndezvipi zvakanakira gedhi rekubhadhara?

Mabhenefiti ndeaya: kutengeserana kwakachengeteka, otomatiki maitiro ekubhadhara, multimodal kubhadhara kugamuchirwa, kurondedzera kwakadzama, kushandurwa kwemari, kutendeuka kwehuwandu optimization, nezvimwe.

✔️ Nzira yekusarudza gedhi rako rekubhadhara?

Funga kuvimbika, zvitupa zvekuchengetedza, akavakirwa-mukati maficha, anotsigirwa nzira dzekubhadhara, mubhadharo pachena, rutsigiro rwevatengi, uye kubatanidzwa newebhusaiti yako.

✔️ Magedhi ekubhadhara akaomarara kumisikidza?

Non, mhinduro dzakawanda dziripo turnkey uye dziri nyore kugadzirisa kuburikidza neinternet management interfaces. Mamwe ari plug-uye-kutamba kana kupa APIs ari nyore kubatanidza nehunyanzvi.

✔️ Yangu e-commerce saiti inoda gedhi rekubhadhara here?

ehe, gedhi rekubhadhara rakakosha nhasi kune chero e-commerce saiti kana online sevhisi chikuva chinoshuvira kubvuma kutengeserana nenzira yehunyanzvi.

🥀 Summary

Muchidimbu, gedhi rekubhadhara ibasa rakachengeteka repamhepo rinofambisa kutengeserana kwemari pakati pemutengesi nemutengi paInternet.

Chokwadi, gedhi rekubhadhara rinoita basa wemurevereri akavimbika nekuunganidza data rekubhenga rinonzwisiswa pachinzvimbo chemutengesi. Inopawo zvakasiyana-siyana zviri nyore maficha sekushandura mari, kutsigirwa kwemaitiro akawanda ekubhadhara uye mishumo yakadzama.

Nekusarudza mhinduro yakavimbika ine zvitupa zvakakodzera, unogona kugamuchira kubhadhara kwepamhepo nekadhi rechikwereti asiwo nekuendesa, nharembozha chikwama kana zvimwe nerunyararo rwakakwana rwepfungwa. Zvauri kuita ndizvo yakareruka uye yakachengeteka.

Saka kana iwe uri kutsvaga kutanga bhizinesi repamhepo kana kushandura chitoro chako chenyama kuenda kudhijitari, funga kubatanidza gedhi rekubhadhara. Nhasi, ishamwari yakakosha kune yakakwana yekubhadhara chiitiko.