Xa uqalisa ishishini lakho, zininzi izinto ekufuneka uzikhathalele. Kukho imiba esisiseko yolungiselelo ekunyanzelekileyo ukuba ishishini ngalinye lijongane nayo. Nangona kunjalo, banokujamelana nayo ngezinye iihiccups. Kodwa inye into iinkampani ezininzi ezingakwaziyo ukuyiqonda ziindlela zokuhlawula kunye nendlela ezisebenza ngayo.
Ukuze naliphi na ishishini liphumelele, kufuneka baqinisekise ukuba iinkonzo zentlawulo zikhuselekile. Umboneleli wenkonzo yentlawulo yeyona nto abathengi bakho bondla kuyo iinkcukacha zabo zentlawulo. Ngokwemvelo, bafanele babe njalo ukuze kungabikho mntu unokubakhohlisa ngemali abayisebenzele nzima. Apha siza kukuxelela ukuba zeziphi iinkonzo zokuhlawula ezikhuselekileyo zithetha ukuba naliphi na ishishini.
Usebenza njani umboneleli wenkonzo yentlawulo?
Kukho izinto ezimbalwa ezisisiseko ekufuneka siziqonde phambi kokuba sazi ukuba isebenza njani i-PSP.
- Xa umthengi esiza kwiwebhusayithi kwaye ethatha isigqibo sokuthenga imveliso, iwebhusayithi imsa kwisango lokuhlawula elikhuselekileyo. Apha umthengi uchwetheza iinkcukacha zekhadi lakhe letyala, kwaye isango lokuhlawula lifumana isicelo sokuthengiselana. Ezi getaways intlawulo ukufumana idityaniswe nabo bonke ababoneleli bentlawulo abaphambili ukuqinisekisa iintlawulo ezikhuselekileyo.
- I-PSP iya kujonga iinkcukacha zekhadi letyala kwaye ibone ukuba unayo na imali eyaneleyo yokwenza intlawulo. Xa uqinisekiso lugqityiwe, umsebenzi we-PSP kukudlulisela imali esuka kwi-akhawunti yakho iye kuleyo ye-akhawunti yeshishini.
- Xa i-PSP ifumana isiqinisekiso sokuba intengiselwano yenziwe, ithumela umyalezo kubo bobabini umthengi kunye nomthengisi. Kwimeko apho imali imfutshane, i-PSP iya kuthumela intengiselwano engaphumeleliyo ukuqaphela kubo bobabini umthengi kunye neshishini.
Kutheni kufuneka ishishini lisebenzise umboneleli wenkonzo yentlawulo?
Kukho izizathu ezininzi zokuba kutheni ishishini kufuneka likhethe ukusebenzisa i-PSP ukuphatha iintlawulo zalo.
Ukuguquguquka kwentlawulo
Ukuba bhetyebhetye ukwenza iintlawulo ngokulula kuchaphazela izinga loguqulo. Abantu bayaqinisekiswa ukuba iintlawulo zabo ziya kwenziwa nokuba kwenzeka ntoni na. Amashishini nawo ongeza iindlela ezahlukeneyo zokuhlawula ukwenza le nkqubo ibe lula kubathengi babo
I-PSP ibanika inyhweba yokwamkela zonke iintlobo zamakhadi okuthenga ngetyala, amakhadi ebhanki asekwe kwi-PIN, kunye neetshiphusi ze-EMV. Abathengi banokusebenzisa nayiphi na kubo ukuze bafezekise ukuthengiselana kwabo.
Iintlawulo ezikhawulezileyo
Ukuba ukwivenkile yokutyela kwaye sele uza kuhamba, ubuya kufuna ukuba babe ne- epos yokutyela ejongana nentlawulo ngokukhawuleza ukuze uhambe ngoko nangoko. Oku kuyasebenza nakwintengiso ekwi-intanethi.
Uninzi lwe-PSP lude luvumele abarhwebi ukhetho lwenkxaso-mali yosuku olulandelayo ukuze bafumane iintlawulo zabo kwi-akhawunti ngosuku olulandelayo ngokwalo.
Udibaniso lwePOS
Iinkqubo zokuhlawula ezidibeneyo zikhuseleke ngakumbi kunezinye iinkqubo ezingadibaniyo. Ngaphandle koko, iinkqubo ezidityanisiweyo zineendleko ezintle kakhulu.
Intengiselwano iya ngqo kwisiphelo sentlawulo. Ayongezwa ngesandla; ngoko ke amathuba okuba kubekho nayiphi na impazamo mancinci. Ezi mpawu zeposi zokutyela zihlaziya i-invoyisi kwangoko nje ukuba intlawulo yenziwe. Ngoko ke naluphi na ukungasebenzi kakuhle kwe-akhawuntingi kuyancitshiswa.
Iindleko zokusebenza eziphantsi
Xa uqala ishishini elitsha, kufuneka uqulathe zonke iindleko. I-PSP ehlanganisiweyo iqinisekisa ukuba iintlawulo ezivela kwiindawo ezininzi zokusebenzela zihamba ziye kwindawo enye yokubhatala. Umzekelo, kwi-salon, kugqitywe ukuthengiselana okuninzi kwaye kutyhalelwe kwindawo enye.
Oku kunciphisa iindleko zokuthenga iitheminali ezahlukeneyo zokuhlawula.
Iindlela zokhuseleko ezisetyenziswa yiPSP
Ngokwendalo, ii-PSP kufuneka zisebenzise iindlela ezithile zokhuseleko ukugcina imali yazo ikhuselekile. Makhe sizijonge.
Ukuthotyelwa kwePCI
Enye yeengxaki ezinkulu ezisonjululwa yi-PSP kukubonelela ngokuthotyelwa kwePCI DSS kumrhwebi. Ngo-2006 iKomiti yeMigangatho yoKhuseleko yoShishino lwekhadi lentlawulo yasekwa. Ijolise ekugcinweni kweentlawulo zobuqhetseba xa usenza iintengiselwano ze-intanethi.
Le komiti ichaza imigaqo esemgangathweni ekufuneka ilandelwe nayiphi na inkampani ukuba ithatha iinkcukacha zekhadi kwiintlawulo ze-intanethi.
Baye bahlula oku kuthotyelwa kwe-PCI ngamanqanaba amane ngokusekelwe kwinani leentengiselwano ezenziwa ngumrhwebi kunye nohlobo lweshishini lakhe. Iqala kwinqanaba loku-1 kubarhwebi abasebenza ngaphezulu kwe-6 yezigidi zentengiselwano ukuya kwinqanaba lesi-4 kubathengisi abaqhuba ngaphantsi kwe-2 lakh transactions.
Nokuba yeyiphi na inqanaba apho umrhwebi ukuyo, ukuthotyelwa kwe-PCI kuyayinyamekela ukuba ikhusela idatha yomthengi. Ukungathobeli okufanayo kukhokelela kwizohlwayo ezifana nezohlwayo kunye nokungaboneleli ngekhadi letyala njengendlela yokuhlawula kwixesha elizayo.
Uguliso lwedatha yentengiselwano
Ubhalo lwedatha lunokukhusela idatha egqithisiweyo ngexesha lakuphi na ukuthengiselana kwemali. Oku kuyafuneka nasemva kwexesha xa umboneleli wentlawulo egcina olu lwazi. Uguqulelo oluntsonkothileyo kwicala lomthengi luyimfuneko ukuze ufumane ukhuseleko kwaye uzise ukucutha umda wokuthotyelwa kwePCI. I-PSPs inokuthi emva koko ibethelele yonke idatha kwaye iqinisekise ukuba yonke imigangatho ithotyelwe.
Inkqubo yokuqinisekisa idilesi
Uninzi lwee-PSPs zikwabonelela ngoncedo lokuqinisekisa idilesi. Oku kuthetha ukuba banokuqinisekisa ukuba umnini-khadi unike iinkcukacha ezichanekileyo malunga nedilesi yendawo yokuhlala. Bakwajonga ukuba idilesi enikiweyo iyahambelana nedilesi ekhoyo kwifayile.
Ukuba olu lwazi aluchanekanga, oku kunokuthetha ukuba loo mntu wenza ubuqhophololo. Kungenxa yoko le nto ukhuseleko olongezelelweyo luyimfuneko. I-cybercriminal eneenkcukacha zekhadi letyala ngokungalunganga akayi kuyazi idilesi yomnini.
isiphelo
Inkonzo yokuhlawula ekhuselekileyo iqinisekisa ukuba ishishini lakho lihamba ngokukhuselekileyo. Akukho mthengi ulungele ukuthemba umrhwebi ongenalo inkqubo yokuhlawula ethembekileyo kwindawo.
Le ngcaciso ingentla kufuneka ikuncede uqonde ukubaluleka kokugcina inkonzo yentlawulo efanelekileyo kwindawo. Baninzi ababoneleli, kodwa bambalwa kubo ababonwa njengabathembekileyo. Yenza uphando lwakho ngaphambi kokuba ukhethe nabani na kwishishini lakho.
Funda uphononongo lwabo lwe-intanethi kwaye ubone uluvo lwabantu ngokubanzi. Yiya kumaphepha abo eendaba zoluntu kwaye ujonge ukuba kukho nasiphi na isigwebo esibi ngakubo. Ukuba ufunda naluphi na ulwazi oluchasene nabo, kufuneka ucace. Kuba ishishini lakho libandakanya imali yabanye abantu, kufuneka uqiniseke ngokuphindiweyo ukuba ngubani oza kukhetha.
