Ukukhethwa kohlelo lokukhokha lweziteshi ezizimele zaphesheya kwezilwandle: Ungasikhetha kanjani isikhungo sokukhokha esivela eceleni?

Ngokuwela umngceleEzentengiselwanoNgemakethe echumayo, abathengisi abaningi ngokwengeziwe bakhetha ukusungula iziteshi zabo ezizimele phesheya, ukuze bakwazi ukulawula kangcono ibhizinisi labo nomkhiqizo.

Enqubweni yokwakha iwebhusayithi ezimele, uhlelo lokukhokha ludlala indima ebalulekile, elilingana "ne-cashier" yebhizinisi.

Ukuze kube lula ukukhokhelwa kwamakhasimende aphesheya kwezilwandle, iziteshi ezizimele zaphesheya kwezilwandle zidinga ukuxhunywa ohlelweni lokukhokha lwezinkampani ezintathu ezisekela izimali eziningi nezindlela zokukhokha. Lokhu kufana nokwakha ibhuloho eliya embusweni wemali.

Okulandelayo, ake sibheke izimfihlo zeziteshi ezizimele zaphesheya ezifinyelela inkokhelo evela eceleni.

1. Uhlolojikelele lweziteshi ezizimele zaphesheya ezifinyelela inkokhelo evela eceleni

Iziteshi ezibizwa phesheya kwezilwandle ezizimele zithola inkokhelo yenkampani yangaphandle, okusho ukuhlinzeka amakhasimende ngezindlela zokukhokha ezihlukahlukene ngezikhungo zokukhokha zezinkampani zangaphandle, ezifana nenkokhelo yekhadi lesikweletu, isikhwama se-electronic, ukudluliselwa kwebhange, njll.

Lokhu kufana nokuvulela abathengi ithuba lokukhokha, okubavumela ukuthi batshale “imali yokuxhasa ngothando” ngezindlela ezihlukahlukene.

2. Khetha isikhungo sokukhokha esifanelekile esivela eceleni

Lapho ukhetha isikhungo sokukhokha senkampani yangaphandle esifanelekile, kunezici ezimbalwa ezibalulekile okufanele uzicabangele:

1. Indlela yokukhokha: Kufanele ukhethe isikhungo esisekela izindlela zokukhokha eziningi, njengalapho ufuna ukuphatha izinsizakalo zezezimali, kufanele ube nezinketho eziningi njengamakhadi esikweletu namakhadi okukhokha.

2. Uhlobo lohlobo lwemali: Udinga ukuthola isikhungo esisekela izinhlobo zemali eziningi, ukuze abathengi bakwazi ukuzinza kalula ngemali yabo yendawo ngaphandle kokukhathazeka ngamanani okushintshanisa imali.

3. Izimali ezikhokhwayo: Izindinganiso zokushaja zenkampani ngayinye zihlukile. Kufanele senze izibalo ezinhle ukuze sibone ukuthi yiziphi izinkokhelo zenkampani ezingabizi kakhulu. Asikwazi ukuvumela izindleko zokukhokha "zinqamule" inzuzo yethu.

4. Ukuvikeleka: Qiniseka ukuthi ukhetha isikhungo esinegama elihle nokuvikeleka okuphezulu. Phela, sifuna ukunikeza imali yamakhasimende ethu kubo, futhi ukuphepha kuza kuqala!

3. Bhalisa futhi usethe i-akhawunti yokukhokha

Ngemva kokukhetha isikhungo sokukhokha senkampani yangaphandle esifanelekile, kufanele ubhalise futhi usethe i-akhawunti yokukhokha.

Phakathi nenqubo yokubhalisa, udinga ukugcwalisa ulwazi lomuntu siqu nelebhizinisi, uqinisekise ama-akhawunti, njll., njengokuvula i-akhawunti yasebhange.

Lapho usetha i-akhawunti yokukhokha, kufanele unikeze imibhalo efanele nolwazi, njengelayisensi yebhizinisi, i-akhawunti yasebhange, njll., ukuze isikhungo sokukhokha sikwazi ukukugunyaza.

4. Xhuma ohlelweni lokukhokha lomuntu wesithathu

Ukufinyelela ohlelweni lokukhokha lomuntu wesithathu kudinga izinyathelo ezilandelayo:

1. Thola isixhumanisi sokukhokha: Isixhumanisi sokukhokha silingana nesixhumanisi phakathi kwewebhusayithi yethu ezimele nesikhungo sokukhokha. Kumelwe "sicele" ikhophi esikhungweni sokukhokha.

2. Engeza izindlela zokukhokha: Kufanele wengeze izindlela zokukhokha ezisekelwayo ngemuva kwesiteshi esizimele, futhi usethe imingcele efanelekile, njengohlobo lwemali, izinkokhelo zokukhokha, njll.

3. Hlola uhlelo lokukhokha: Kufanele uhlole uhlelo lokukhokha ukuze uqiniseke ukuthi lusebenza kahle.Phela, lokhu kuyindaba enkulu ngemali!

4. Uhlelo lokukhokha nge-inthanethi: Ngemva kokuba uhlelo lokukhokha luphumelele isivivinyo, lungethulwa ngokusemthethweni ukuze amakhasimende alusebenzise ngokwezinhliziyo zawo.

5. Izinyathelo zokuthi iziteshi ezizimele zaphesheya zifinyelele inkokhelo evela eceleni

1. Ukuthobela umthetho: Kufanele uthobele imithetho nezimiso zendawo ezifanele, ikakhulukazi izimfuneko zokuthobelana emkhakheni wezezimali, futhi ungavumeli uhlelo lwakho lokukhokha luwele engozini "yokuqoqwa kwezimali okungekho emthethweni".

2. Izimali zokukhokha: Isikhungo ngasinye sokukhokha sinezindinganiso zokushaja ezihlukile. Kufanele ukhethe isikhungo sokukhokha esifanele kanye nendlela yokukhokha ngokuya ngesimo sakho sebhizinisi kanye nesabelomali.

3. Ukuvikeleka kwenkokhelo: Qiniseka ukuthi uqinisekisa ukuvikeleka kwesistimu yokukhokha futhi usebenzise izindlela zobuchwepheshe ezihlukahlukene, njengezitifiketi ze-SSL, amagama ayimfihlo okukhokha, njll., ukuze uvimbele uhlelo lokukhokha ekuhlaselwe yizigebengu.

4. Inqubo yokukhokha: Dizayina inqubo yokukhokha enhle, okuhlanganisa amakhasimende akhetha izindlela zokukhokha, ukufaka imininingwane yokukhokha, ukuqinisekiswa kwenkokhelo, njll., ukuze kuthuthukiswe ulwazi lomsebenzisi nokwaneliseka.

5. Inkokhelo nembuyiselo: Kuyadingeka ukusungula inqubomgomo yokubuyiselwa kwemali ephelele, ukucubungula izicelo zokubuyiselwa imali ngesikhathi, futhi uvikele amalungelo nezintshisekelo zamakhasimende ukuze ugweme ukungajabulisi.

6. Isifinyezo

Ukufinyelela inkokhelo evela eceleni eziteshini ezizimele zaphesheya kuyisinyathelo esibalulekile ekuthuthukiseni izimakethe zaphesheya kanye nokusungula amabhrendi aphesheya kwezilwandle.

Kubalulekile ukukhetha isikhungo sokukhokha esifanelekile somuntu wesithathu, ubhalise futhi umise i-akhawunti yokukhokha, ufinyelele ohlelweni lokukhokha, futhi unake ukuba semthethweni, ukuphepha, inqubo kanye nokubuyiselwa kwemali yokukhokha.

Kuphela ngokusungula uhlelo lokukhokha oluzinzile, oluphephile futhi olusebenzayo lapho singahlangabezana kangcono nezidingo zokukhokha zamakhasimende aphesheya futhi sithuthukise ukuncintisana kanye nesabelo semakethe semikhiqizo yaphesheya kwezilwandle.