Liyini isango lokukhokha?

ngoba thengisa ku-inthanethi, kuzodingeka unikeze amakhasimende izinsiza ukuze akwazi ukukhokha ngezindlela eziwafanela kangcono. Ukuze wenze lokhu, uzodinga isango lokukhokha. Lokhu kuyisici esibalulekile ngoba kuyisinyathelo sokugcina enqubweni yokuthenga noma yokuthengisa.

La isango lokukhokha iyisevisi esetshenziswa ezitolo ze-electronic, ukuze kube lula ukukhokhelwa kwamakhasimende. Ngokuya ngesango lokukhokha olisebenzisa esitolo sakho, uzothola umuzwa ongcono noma omubi kakhulu kumakhasimende akho uma kuziwa ekukhokheni.

Kulesi sihloko, ngethula konke okudingeka ukwazi mayelana nendlela amasango okukhokha asebenza ngayo. Asambe !!

🥀 Liyini isango lokukhokha?

Amasango okukhokha izinkundla ezivumela ukuthengiselana ngemali phakathi kwabantu abangu-2 nge-inthanethi. Ukuze usebenze nabo, uzodinga kuphela i-imeyili ukuze ubhalise kanye ne-akhawunti yasebhange. I-akhawunti yasebhange ikuvumela ukuthi ukhiphe imali yakho. Ngokuvamile isebenza ku-Backoffice.

Inzuzo yamasango okukhokha ukuthi enza lula yonke inqubo yokukhokha yomthengi kanye nawe.

Umthengi uzoba nezindlela ezimbalwa zokukhokhela ukuthenga (ukheshi, ikhadi lesikweletu, izinkokhelo, idiphozithi noma ukudluliselwa kwebhange) futhi isango lokukhokha lizokwazisa uma uthola imali.

Kufanele wazi ukuthi isango lokukhokha alisebenzi kumabhizinisi aku-inthanethi kuphela. Kusebenza nasezitolo ezibonakalayo ezisebenzisa izinketho zokukhokha ngamakhadi. Uisango lokukhokha ngokuvamile inikezwa ikhasimende ngebhange lalo lokukhokha, kodwa inganikezwa nangomthombo "wenkampani yangaphandle" obizwa ngokuthi umhlinzeki wesevisi yokukhokha.

Isango lokukhokha lidlulisela imininingwane yokwenziwayo phakathi kwamaphothali okukhokha njengewebhusayithi noma ifoni kanye nomthombo wokukhokha (ibhange). Kodwa, lisebenza kanjani isango lokukhokha?

🥀 Lisebenza kanjani isango lokukhokha

Isango lokukhokha lenze ukuthengiselana kwezentengiso ku-inthanethi kwaba lula kakhululula futhi ezingokoqobo. Okokuqala, ikhasimende lifaka i-oda ngewebhusayithi, uhlelo lokusebenza, noma ngesistimu yendawo yokuthengisa.

Lolu hlelo lubese lubethela ngokushesha ulwazi, bese luludlulisela kuseva yewebhu yomthengisi. Njengamanje lolu hlelo lwenziwa nge-a Ukubethela kwe-SSL (Secure Socket Layer).

Uma umthengisi esethole umyalelo wokukhokha, ube esewuthumela ngesango lakhe lokukhokha. Uma idatha isirekhodiwe, ulwazi luzobe seludluliselwa ebhange lomthengisi, elizokhipha isicelo senkokhelo ebhange eliqale idatha yoqobo (ibhange lekhasimende).

Lapho idatha kuqinisekisiwe futhi kusetshenzwe ngemizuzwana, inkokhelo izodluliselwa ku-akhawunti yomthengisi. Uma kwenzeka kuba nephutha kunoma yisiphi isigaba senqubo, umlayezo ohambisanayo uzothunyelwa kumakhasimende nabathengisi mayelana nenkinga.

Ngaphezu kwalokho, ngemva kokurekhoda idatha efanele, kungase kube nezicelo zokukhokha ezikhethekile ezisenesimo esithi “akakhokhelwa” futhi, ngenxa yalokho, umthengisi angathumela isicelo sokuthi “ukukhululwa“, esimema ibhange ukuthi liyinxephezele.

🥀 Isetshenziswa kanjani isango lokukhokha

Uma uthanda, usebenzisa isango lokukhokha kusayithi lakho, ilula. Yenza njengoba ngenza ngokulandela lezi zinyathelo ezilandelayo:

✔️ Isinyathelo 1

Faka isayithi lomasango ozikhethele lona bese udala i-akhawunti. Iya ku-PayPal ngokwesibonelo ukwenza lokhu. Hlanganisa i-akhawunti nesitolo sakho se-inthanethi ngokufaka inombolo yekhasimende lesango lakho kumlawuli wakho wamafu. Yebo, konke kuncike ohlotsheni lomphathi wokuqukethwe kwewebhu oyisebenzisayo.

✔️ Isiteji 2

Uma ikhasimende likhokhela i-oda, isango lizothumela i-imeyili eqinisekisa ukuthi inkokhelo icutshungulwe ngempumelelo. Akufanelekile ukuthumela i-oda ngaphambi kokuba uthole lesi siqinisekiso.

Imali eqoqwe izohlala ku-akhawunti ebonakalayo yesango olikhethile. Ungadlulisela le mali ku-akhawunti yakho yasebhange kusuka kuphaneli yomqondisi wesango, noma ubacele ukuthi bakubhalele isheke. Kwezinye izimo, kuzodingeka ulinde izinsuku ezimbalwa ngaphambi kokuthi ukhiphe imali.

🥀 Izinhlobo zamasango okukhokha

Namuhla, ukuthengiselana phakathi kwamabhizinisi namakhasimende sekulula futhi kulula kakhulu ngokusetshenziswa kwamasango okukhokha.

Izinsuku lapho amabhizinisi ayethembele kuphela ekudlulisweni kwemali okuqondile kwasebhange kuphelile. Okwamanje kunezinhlobo ezine (4) zezindlela zokukhokha ezitholakalayo, okuyilezi:

✔️ Amasango okukhokha aphethwe

Ngamasango okukhokha asingathiwe, amakhasimende aqondiswa kabusha ukusuka ekhasini eliyinhloko lewebhusayithi yebhizinisi kuya ekhasini lokukhokha lebhizinisi. Uma selisekhasini lokukhokha, ikhasimende lizotshelwa ukuthi lichofoze isixhumanisi esizoliqondisa ekhasini Lomhlinzeki Wesevisi Yokukhokha (PSP).

Ekhasini le-PSP, ikhasimende lizotshelwa ukuthi lifake imininingwane yalo yokukhokha futhi, kwezinye izimo, lingene uma line-akhawunti ne-PSP. Ngokushesha lapho isicelo senkokhelo sesiqinisekisiwe, ikhasimende lizoqondiswa kabusha ekhasini lokukhokha ukuze liqedele inqubo.

Kuze kube manje, i-Stripe ibhekwa njengenye yesango lokukhokha elisingathwayo elidume kakhulu nelithenjwayo. Dala i-akhawunti ye-Stripe kulula kakhulu.

Amasango okukhokha aphethwe yiwo aziwa kakhulu ku-inthanethi. Kodwa yiziphi izinzuzo nezingozi zokusebenzisa inketho yesango elisingathiwe?

Amasango abanjwe ahlinzeka ngezinga lokuphepha kumakhasimende ngoba ahambisana ne-PCI futhi vikela umsebenzi wokukhwabanisa. Ungenza ngendlela oyifisayo leli sango lokukhokha, futhi kulula ukulisebenzisa nokulilungiselela, futhi inqubo yokubhalisa ngokuvamile ilula futhi ayinankinga.

✔️ Amasango okukhokha ozisingathile

Amasango okukhokha ozisingathile aluhlobo elawulwa ngokugcwele ngomthengisi. Ngalolu hlobo amakhasimende kudingeka athumele idatha yokukhokha ngewebhusayithi yenkampani.

Uma idatha iqoqwa, idlula esigabeni sokubethela ngoba amanye alawa masango adinga ukuthi idatha ithunyelwe ngefomethi ethile. Isango lokukhokha elizisingathile elidumile lisetshenziswa ku-Shopify, enikwa amandla yi-Stripe.

Konke ukuthengiselana kuqedwa endaweni eyodwa. Umthengisi ulawula yonke inqubo yokukhokha futhi ingenziwa ngendlela oyifisayo. Nokho, alukho uhlelo lokusekela lobuchwepheshe. Uma kunenkinga, kuzodingeka ukuthi uyilungise ngokwakho noma uqashe uchwepheshe womuntu ukuthi akwenzele yona. Lesi sixazululo sokugcina ngeshwa sibiza kakhulu.

✔️ Amasango okukhokha e-API

I-Application Programming Interface (API) ivumela amakhasimende ukuthi afake imininingwane yawo yokukhokha esebenzisa amakhadi esikweletu noma edebhithi ekhasini lokuphuma. Izinkokhelo ngalezi zinketho zenziwa ngokucubungula i-API.

I-API yisithunywa esithatha izicelo futhi esitshela isistimu ukuthi yini ofuna ukuyenza, bese sithumela impendulo kuwena. Isango lokukhokha i-API yenza ukucubungula inkokhelo kube lula kakhulu kubathengisi.

Kwenza kube lula ukuhlanganisa isango lokukhokha newebhusayithi. Vele ufake imigqa emibili kuya kwemithathu yekhodi kuwebhusayithi yakho. Noma ubani onolwazi oluncane lobuchwepheshe angakwazi ukuhlanganisa kalula isango lokukhokha kuwebhusayithi yakhe esebenzisa i-API.

Njengezinzuzo, ingasetshenziswa kumapulatifomu ahlukene ahlukene, okuhlanganisa ama-smartphone namathebulethi. Ingenziwa ngendlela oyifisayo ukuze inikeze amakhasimende isixhumi esibonakalayo esingcono somsebenzisi (i-UI) nolwazi lomsebenzisi (UX).

Kodwa-ke, abathengisi banesibopho esiphelele sokudala izinketho ezivikelekile zolwazi lwezezimali lwamakhasimende abo oluthunyelwe ngezingosi zabo.

✔️ Amasango Okukhokha Aqondile / Ukuhlanganiswa Kwebhange Lendawo

Le nketho yesango lokukhokha ibandakanya ukuhlanganiswa kwebhange lendawo lekhasimende ngokuthi lapho livula ifomu lokukhokha, liqondiswa kabusha kuwebhusayithi yebhange.

Uma sebengenile kusayithi, bayacelwa ukuthi bafake imininingwane yabo kanye nemininingwane. Nini inkokhelo iqalisiwe, zizoqondiswa kabusha kuwebhusayithi yomthengisi. Isaziso sokuqinisekisa sizothunyelwa uma sebebuyele kuwebhusayithi yomthengisi.

Njengezinzuzo, zilungele amabhizinisi amancane kanye namabhizinisi afuna uhlelo olulodwa lokukhokha. Nokho, abakwenzi ungazivumeli izinkokhelo eziphindelelayo. Ngalesi sizathu, ngeke zilungele izinkampani ezinkulu noma abathengisi bezitolo. Le nketho inikeza izici zokukhokha eziyisisekelo kuphela futhi ayikuvumeli ukubuyisela.

🥀 Ungakhetha kanjani isango lokukhokha elifanele?

Lapho ukhetha isango lokukhokha, udinga ukucabangela izici ezithile. Nawa amathiphu okufanele uwakhumbule:

✔️ Hlola ukufaneleka nemikhiqizo yakho

Akuwona wonke amasango okukhokha asebenza kuwo wonke amabhizinisi, futhi ngenxa yalokho, kufanele uqale ucwaninge ukuthi isango elifanele liyayisekela yini imikhiqizo namasevisi owanikezayo.

Isango ngalinye lokukhokha linohlu lwezinsizakalo ezivunyelwe nezinqatshelwe elikwenzayo nelingazisekeli. Ukwengeza, isango lokukhokha lingase livimbele amasevisi athile kuye ngesifunda okuso.

Isibonelo, I-PayPal ayinikezi ngamasevisi ayo kwamanye amazwe. Ayivumeli noma yiluphi uhlobo lomsebenzi wezimpahla namasevisi kulesi sifunda. Impela kuzoba ukuchitha isikhathi ukuyengeza kuwebhusayithi yakho ukuze uthole kamuva ukuthi ngeke isetshenziswe.

✔️ Ukusekelwa kwezimali eziningi

Lesi sici kufanele sibe esibaluleke kakhulu uma ufuna isango lokukhokha ukuze ungeze ukucubungula inkokhelo kumasevisi akho, ikakhulukazi uma unikeza izimpahla namasevisi ezifundeni ezihlukahlukene.

Ezimweni eziningi, amakhasimende agwema izinkampani ezingenayo imali eminingi ngenxa yamazinga okushintshanisa ingakhuliswa. Ukuba nenketho yemali eningi kuzothuthukisa ukuzizwisa kwekhasimende, kwandise ibhizinisi lakho futhi kwenze ukukhokha kube lula kumakhasimende nakubathengisi.

Isikhathi esiningi, izimali ezintathu noma ezine zizolunga, ikakhulukazi uma zisetshenziswa kabanzi (i-USD, i-EURO, njll.).

✔️ Ukucubungula izinkokhelo ezidingekayo

Lapho ukhetha isango, kufanele unake izinketho zokucubungula inkokhelo. Ikakhulukazi uma kukhulunywa ngamakhadi esikweletu noma edebhithi nokubhanga ku-inthanethi. Amakhasimende afuna ukuqinisekiswa ukuthi isigaba sokucubungula sizoba sobala nokuthi ngeke abe nezinkinga okufanele azixazulule ekugcineni.

Ukwengeza, noma unikeza inketho yokukhokha ngamakhadi nama-akhawunti asebhange, ingabe amasistimu abo akhona ukubhekana nokubambezeleka okungenzeka?

✔️ I-PCI iyahambisana

Khombisa i-PCI kubalulekile uma ufuna ukukhetha isango lokukhokha ku-inthanethi. Ufuna ukusungula lelo zinga lokuthembana namakhasimende akho ukuze azi ukuthi idatha yawo iphephile kuwe nokuthi akukho msebenzi ozoqedwa ngaphandle kokuthi uqaliswe.

Amakhadi esikweletu angamathuluzi abalulekile empilweni yomuntu, ngakho-ke uma isango lokukhokha olibhekile lingahambisani neziphathimandla ezilawulayo, ungase ufune ukuphuma. Iziqondiso ziyizindawo zokuphepha lapho amasango kufanele avume ukuhlonipha ukuvikelwa kwekhadi.

✔️ Amanani nezinkokhelo

Udinga ukubheka amanani esango kanye nezindleko. Amasango amaningi akhokhisa isistimu yokubhaliselwe lapho kufanele wenze izinkokhelo eziphindelelayo ukuze abambe futhi aqondise kabusha idatha yakho yokukhokha.

Kanjalo, ufuna ukubuyekeza izintengo nezinkokhelo zabo, njengoba lokhu kuzosiza ukunquma izinguquko kumakhasimende ngalawa masango (ahlanganiswe ngokwengxenye enkokhelweni yokugcina yekhasimende).

✔️ nokuvikeleka

Ingabe isango lokukhokha olisebenzisayo liyanikeza izinga eliphezulu lokuphepha eyabathengisi namakhasimende? Ukuphepha kuyisici esibalulekile okufanele sihlolwe sisonke. Ngoba ulwazi lomuntu siqu lwamakhasimende luzongezwa kusayithi lakho futhi luthunyelwe ngala masango.

Ingabe bazovikeleka kubaduni abangahle noma labo abafuna ukwephula inkundla yokukhokha yewebhusayithi yakho? Enye indlela yokuthola ukwenza izivivinyo ezifanele namabhentshimakhi ngesango ngaphambi kokuyethula ngokugcwele kuwebhusayithi yakho.

✔️ Isevisi yamakhasimende

Ukubona kokubili ulwazi lomthengisi nekhasimende kuzothunyelwa ngala masango. Ufuna ukusebenzisa izinsiza zalowo onohlelo olusebenzayo nolusebenzayo lokusekela amakhasimende.

Uma kunezinkinga kufanele ukwazi ukuxhumana nethimba ukuxazulula izinkinga. Futhi, khetha isango isevisi yamakhasimende yayo enganikeza izimpendulo ezisheshayo ukuze ugcine ukukhathazeka kwakho ngokwethemba kuqinile namakhasimende akho.

🥀 Abahlinzeki besango lokukhokha abadumile

Baningi abahlinzeki besango lokukhokha abatholakalayo ukusiza ukuthengiselana kwebhizinisi.

✔️ Umthende

I-Stripe inikeza amathuluzi avumelana nezimo asiza ukuthuthukisa ukucutshungulwa kokukhokha kumabhizinisi e-inthanethi. Ihlinzeka ngezinhlelo zokukhokha eziphindelelayo noma zokubhalisa, izinkundla ze-crowdfunding, namanye amasayithi e-inthanethi adingeka kakhulu.

Ukudala i-akhawunti ye-Stripe kulula futhi kuyashesha. I-Stripe ayikhokhisi imali yokusetha noma yanyanga zonke futhi ayinazo ezinye izinkokhelo ezifihliwe. Nokho, uma usebenzisa leli sango lokukhokha, Inkokhelo engu-2,9% ngaphezu kuka-$0,30 izokhokhiswa ngenkokhelo ngayinye yekhadi eqedwe ngempumelelo.

✔️ I-PayPal

I-Paypal ingenye yabahlinzeki besango lokukhokha abaziwa kakhulu. Ifinyeleleka kakhulu kuneningi. Lapho ukudala i-akhawunti ye-PayPal kuyinto kulula futhi kuyashesha

Nge-PayPal, abasebenzisi abaku-inthanethi bangangeza amakhadi abo esikweletu noma edebhithi kanye nemininingwane yasebhange ukuze benze izinkokhelo ku-inthanethi ngaphandle kokuba abathengisi baxhumane ngokuqondile nemithombo yabo yoxhaso.

Izindleko zentengo kanye nokusetha - I-Paypal ayikhokhisi imali ezinkokhelweni ezivela kubathengi noma labo abakha i-akhawunti nabo. Nokho, abathengisi bakhokhiswa u-3,4% ngaphezu kuka-$0,30 wokuthenga ngekhadi. Azikho izinkokhelo zanyanga zonke, izimali zesango, noma izindleko zokusetha.

✔️ Authorize.net

Kusukela ku-1996, Vumela i-Authorize.net inikeza izixazululo zesango lokukhokha kumakhulu ezinkulungwane zabathengisi abaku-inthanethi emhlabeni jikelele. I-Authorize.net yamukela inkokhelo ngamakhadi esikweletu namasheke kagesi (isheke le-elekthronikhi).

Kulula futhi kuqondile ukuyisebenzisa. Kuyinketho enhle yezitolo ezinkulu ze-e-commerce nabahlinzeki bezinsizakalo.

Izindleko zentengo kanye nokusetha - Ngokungafani namanye amasango okukhokha amaningi, i-Authorize.net ikhokhisa imali yokusetha engu-$49 ngenkokhelo ephindaphindayo engu-$29 yezindleko zesango zanyanga zonke.

✔️ Payoneer

I-Payoneer yinkampani yezinsizakalo zezezimali enekomkhulu eNew York City. Le nkampani yasungulwa ngo-2005 futhi igxile kakhulu ekusizeni ukudluliselwa kwezinkokhelo ku-inthanethi, kokubili e-United States nakwamanye amazwe.

I-Payoneer inabasebenzisi abangaphezu kwezigidi ezine emazweni angaphezu kuka-200 emhlabeni jikelele futhi ingacubungula ukuthengiselana okuwela imingcele ngezinhlobo zemali ezingaphezu kuka-150.

Izinkokhelo ze-a I-akhawunti ye-Payoneer kuya ku abanye bakhululekile. Lokhu kuyinzuzo yangempela uma amakhasimende akho esebenzisa i-Payoneer. Izinkokhelo ezenziwe ngokudluliswa kwebhange lendawo zithola inkokhelo engu-0% uma zenziwe ngamadola ase-US.

Ukudluliselwa ngama-euro noma amaphawundi abiza kakhulu kumahhala. Izinkokhelo ezenziwe yi-eCheck nazo ziyavela 0% imali ngamadola aseMelika. Izinkokhelo ezenziwe ngekhadi lesikweletu ziyavela imali engaguquki yokucubungula engu-3%.

🥀Imibuzo Evame Ukubuzwa

✔️ Liyini isango lokukhokha?

Isango lokukhokha isevisi evikelekile ehambisa ukuthengiselana kwezezimali phakathi kwabathengisi nabathengi ku-inthanethi. Icubungula izinkokhelo ngekhadi lasebhange, ukudlulisa, isikhwama semali yeselula, njll. ngokwethembeka okuphelele.

✔️ Isango lokukhokha lisetshenziselwa ini?

Amasango okukhokha akwenza kube lula futhi kusheshe ukwamukela izinkokhelo ze-inthanethi ngaphandle kokuphatha ngokuqondile idatha yasebhange ebucayi. Baphinde banikeze ngamasevisi angeziwe awusizo njengokuguqulwa kwemali.

✔️ Yiziphi izinzuzo zesango lokukhokha?

Izinzuzo yilezi: ukuthengiselana okuvikelekile, izinqubo zokukhokha ezizenzakalelayo, ukwamukelwa kwenkokhelo ye-multimodal, ukubika okunemininingwane, ukuguqulwa kwemali, ukuthuthukiswa kwezinga lokuguqulwa, njll.

✔️ Ungakhetha kanjani isango lakho lokukhokha?

Cabangela ukwethembeka, izitifiketi zokuphepha, izici ezakhelwe ngaphakathi, izindlela zokukhokha ezisekelwayo, ukucaca kwezinkokhelo, ukusekelwa kwamakhasimende, nokuhlanganiswa newebhusayithi yakho.

✔️ Ingabe amasango okukhokha anzima ukuwamisa?

hhayi, izixazululo eziningi zikhona i-turnkey futhi kulula ukuzilungiselela nge-interface yokuphatha ku-inthanethi. Ezinye ziyi-plug-and-play noma zinikeza ama-API okulula ukuwahlanganisa ngokobuchwepheshe.

✔️ Ingabe isayithi lami le-e-commerce lidinga isango lokukhokha?

yebo, isango lokukhokha libalulekile namuhla kunoma iyiphi isayithi ye-e-commerce noma inkundla yesevisi ye-inthanethi efisa ukwamukela ukuthengiselana ngendlela yobungcweti.

🥀 I-Sumumé

Kafushane, isango lokukhokha isevisi ye-inthanethi evikelekile eqondisa ukuthengiselana kwezezimali phakathi komthengisi nomthengi nge-inthanethi.

Ngokuqondile, isango lokukhokha lidlala indima lomxhumanisi othembekile ngokuqoqa idatha yasebhange ebucayi egameni lomthengisi. Iphinde inikeze izici ezihlukahlukene ezilula njengokuguqulwa kwemali, ukusekelwa kwezindlela zokukhokha eziningi nemibiko enemininingwane.

Ngokukhetha isixazululo esinokwethenjelwa esinezitifiketi ezifanele, ungamukela izinkokhelo ze-inthanethi ngekhadi lesikweletu kodwa nangokudlulisela, isikhwama semali yeselula noma okunye ngokuthula okuphelele kwengqondo. Umsebenzi wakho yenziwe lula futhi ivikelekile.

Ngakho-ke uma ufuna ukuqala ibhizinisi eliku-inthanethi noma uguqule isitolo sakho somzimba sibe sedijithali, cabanga ukuhlanganisa isango lokukhokha. Namuhla, inguzakwethu obalulekile ukuze uthole ulwazi oluphelele lokukhokha.