Chimwe chezvinhu zvinomuka, vese vane mutoro uye vashandisi vezvitoro zvepamhepo kana mabhizinesi, inzira dzekubhadhara uye zvigadzirwa zvemari zvavanogona kubvumirana kuburikidza nechikwereti chekambani. Nekuti iwo akawanda uye akasiyana muhunhu, sezvichaonekwa pazasi.
Iko kwakakosha chinhu chinofanira kutarisirwa mukirasi iyi yemakambani edhijitari. Uye ndiyo iyo inotora kubva muchokwadi chikamu cheiyo kubudirira kwe e-commerce Izvo zvinokonzeresa kurerukirwa uko mutengi achifanira kubhadhara, zviri nyore zviri, ndipo patinozofarira kufarira kukurudzira. Kusvikira pakuti iyi ndeimwe yemakiyi ekuvandudza kwakanaka mukutengeserana kwemagetsi.
Kune rimwe divi, zvinofanirwawo kukosheswa panguva ino kuti kune dzimwe nzira dzinowanzo shandiswa nevashandisi vasingavimbi kuisa yavo kadhi rechikwereti ruzivo pawebhusaiti. Kubva panguva ino yekutarisa, hakuzove nesarudzo kunze kwekupa vatengi kana vashandisi masystem ekubhadhara ayo anounza kuchengetedzeka uye kuvimba mukuita kwavo. Hunhu hwavo hauna basa, kana kunyangwe hunyanzvi hwavo muchimiro chavanopa kubva kumapuratifomu avo edhijitari.
Kuendeswa kwebhangi
Kutamisa bhangi inzira yekufambisa mari kubva kuakaunzi kuenda kune imwe. Iyo nzira yekuchinjisa mari pakati pebhengi maakaundi pasina kubvisa chaiko mari yacho. Paunenge uchiisa odha muchitoro chepamhepo nekuchinjisa kubhengi, mutengi anotumirwa odha kodhi iyo inofanirwa kuverengerwa mu chinja odha.
Iko, kana mutengesi paanoona dhipoziti muaccount yake yebhangi uye osimbisa kuti inopindirana neodhidhi yazvino, inoratidza mucherechedzo sewakabhadharwa uye woenderera nekutumira zvinhu. Kwete kupa makuru matambudziko ekushandisa muhukama hwevashandisi nezvitoro zvepamhepo kana mabhizinesi. Iko imwe yemabhenefiti ayo akakosha ndeyekuti haisanganisi makomisheni ekupa iri mvumo kubhangi kana musangano wezvemari.
Maitiro ekubhadhara: Bhadhara Pal
Iyi inzira yekunyorera iyo yave yemafashoni mumakore achangopfuura nekufungidzira kukuru pakati pevazhinji vevashandisi kana vatengi mukirasi ino yemasevhisi. Kubva pane ino maonero, zvinofanirwa kutaurwa kuti PayPal ikambani yeAmerica ine eBay, uye yave nzira yekubhadhara. yakapararira kwazvo. Munyika yega yega Pay Pal inokodzera maitiro ayo, asi kazhinji inopa aya maitiro.
Shanda nemari yakamboiswa muPayPal account. Shanda seyadhi yekubhangi yekubhadhara, uchikumbira ruzivo rwekadhi rechikwereti. Iyi sarudzo inogona kubatsira zvakanyanya mumabhizimusi epamhepo, mune ino kesi inomiririrwa nezvitoro kana mabhizinesi edhijitari. Kusvika padanho rekutora chikamu chakanaka chezvinodiwa nevashandisi veaya mapuratifomu edhijitari. Nekuchengetedzwa kwakakosha mumakomisheni uye nezvimwe zvinoshandiswa mukutarisira kana kugadzirisa.
Mari pakuendesa
Imwe nzira inowanikwa mukirasi yakasarudzika yemabhizinesi ndiyo inomiririrwa neichi chigadzirwa chebhangi. Uye izvo zvinonyanya kuratidzwa pamhando iyi yezviitiko, chero zvakaita hunhu hwavo. Nekuti mukuita, mubhadharo unoitwa kana kamwe chete kutengesa kwatambirwa. Izvo zvinodikanwa kuti iyo yekutengesa iongororwe usati waita muripo. Nokusarudza iyi nzira yekubhadhara, iyo online chitoro inogadzira odha kodhi inotumirwa kune mutengi neemail pamwe nepfupiso yeodha yavo. Zvichava zvinopfuura zvakakwana kugadzirisa izvi zvido.
Usakanganwa kuti kazhinji, kutumira zvigadzirwa zvichipesana nekubhadharwa kunosanganisira imwezve mari inobhadharwa nekambani yekufambisa. Icho sarudzo yekutengesa zvemagetsi kutora mari iyi kana kuigovera kumagumo mutengi. Uine bhenefiti yekuwedzera, mune dzimwe nguva, kuti kana mutengi asingabhadhari zvekutengesa, hazviendeswe. Kuva chinhu chinogona kubatsira zviito zveavo vane chekuita nemakambani aya anofamba kuburikidza neInternet.
sagepay
Uyezve, uyu muripo wegedhi ne anti-kubiridzira kudzora muridzi weboka revaSage. Kusiyana nedzimwe nzira dzekubhadhara, iyi inongobhadhara mari yakatarwa pamwedzi yeanosvika makumi matatu euros uye inobvumidza inosvika chiuru kutengeserana. Kune yakakwira yekutengesa vhoriyamu quota yaizowedzera. Kugadzirisa mashandiro acho, zvakakosha kwazvo kuti kubva ikozvino zvichiverengerwa kubva kune data rekubhadharisa bhizinesi rako kuti huwandu hwemubhadharo unogoverwa sei pakati pezviitiko zvese zvemwedzi nemwedzi kuti uongorore kana iri yakachipa pane dzimwe nzira dzakambotaurwa.
Chero zvazvingaitika, iri yekuwedzera nzira uye avant-garde nzira yekubhadhara iyo inogona kuve poindi yekutsigira varidzi vadiki nepakati varidzi vezvitoro zvepamhepo kana mabhizinesi. Zvekuti nenzira iyi, ivo vari muchinzvimbo chekuvandudza marongero avo mubazi rezve accounting uye izvo zvinogona kubatsira zvakanyanya kune kwavo kufarira kwehunyanzvi. Pamusoro pedzimwe nzira dzakajairika kana dzechinyakare dzaungave uri kushandisa panguva ino chaiyo.
Makadhi echikwereti akasarudzika
Icho chinhu chinobatsira kwazvo kubhengi kune izvo zvinodiwa nevanyanzvi vanobatanidzwa mune yekutengesa zvemagetsi. Chimiro chavo chakanangana nenyaya yekuti vanotakura ackubhadhara mari uye kubhadhara kwemahara. Kuti uishandise en kunze kwenyika: nekubviswa kaviri pamwedzi pasina komisheni kumaATM kunze kweSpain. Kune rimwe divi, iyo inopa pakati payo inonyanya kukosha mabhenefiti einishuwarenzi yekutenga yepamhepo uye Kutengwa Kunotengwa kuburikidza nekambani yeinishuwarenzi. Nekadhi rino rechikwereti iwe unenge uine 2% dhisikaundi pazviteshi zvebasa zvemamwe mabhizimusi emabhizimusi uye pasina muganho pane huwandu, zvese mumafuta uye muchitoro.
Kune rimwe divi, uye kunze kwekudzikisira kwekushandisa, ine zvimwe zvakanaka zvinopihwa nerudzi urwu rwemakadhi ndizvo zvidzikiso zvinogona kuwanikwa, pakati pe3% ne5%, mumasangano ekufambisa, cheni dzehotera, maresitorendi kana zvigadzirwa zvakajairika. kongiri yemwedzi yezororo.
Kune makadhi akasiyana siyana -mumaitiro avo echikwereti- ayo anosarudza kupa kukwidziridzwa kwavanobata mumaraffles emwedzi nemwedzi yezhizha, uko huwandu hwemubairo huchaenzana nemari yechikwereti inopedzwa nemutengi.
Maakaunzi eSMEs pamhepo
Mune ino kesi, iri mhinduro yezvemari kune vashoma uye vepakati mabhizimusi, vanamuzvinabhizimusi, nyanzvi uye vatengesi izvo zvinopa mabhenefiti ekugadzirisa bhizinesi ravo senge yakananga kubhengi, kuchengetedzeka munharaunda, mitero uye mubhadharo wevashandi vavo; kunyangwe pasina kuregeredza zvimwe zvakajairika senge kuendeswa kwenyika uye cheki dhipoziti vakasununguka, ssevhisi yerubatsiro rwemutemo uye madhibhiti uye makadhi echikwereti zvakare pasina kuburitswa kwemari, pakati pemimwe mipiro.
Nenzira iyi, ePanguva yekuhaya zvinokurudzirwa kuti maakaundi ese akagadzirwa nemusika webhangi aongororwe kuti aone mitengo yekufambisa, nyaya, mari uye kuendesa, pamwe nebasa rekusarudza iyo inonyatsoenderana nezvinodiwa nevashandisi vayo, uye shandisa ese mabhenefiti ayo akaundi anosanganisirwa kune nyanzvi.
Chimwe chehunhu hweizvi zvigadzirwa zvebhangi ndezvekuti ivo vanopa mubairo wakakwirira kune avo vanobata, mune imwe nhanho iri pakati pe1,00% uye 1,50%, ichibvumira kuwedzera kusingasvike 0,75% pamusoro pemafomu echinyakare, kune izvo zvinowedzerwa izvo ivo vakasununguka kwazvo pamari yekufambisa neyekuchengetedza.
Zvigadzirwa zvekugadzirwa kwedhijitari yekutengesa
Mukupi kwazvino kwemaakaundi akanangidzirwa kune vezvemabhizimusi, vezvemabhizinesi madiki uye nyanzvi, hapana zvakare kushomeka kweavo vakanangana nekugadzirwa kwekambani, ichipa imwe mhando ye zvipo zvehunyanzvi kune avo vanobata. Iyi ndiyo mamiriro echikamu chakanaka chemakambani echikwereti akasarudza kupa vatengi vavo "New kambani savings account", chigadzirwa chekuchengetedza mupiro wenguva yemberi yemagariro capital yebumbiro rekambani ine mashoma mukambani nyowani, uye kuti uite saizvozvo nezvose zvakanakira mutero zvemitemo yazvino, uye nemamiriro ari nani ekuita purofiti uchienzaniswa nezvimwe zvigadzirwa zvine hunhu hwakafanana.
Mune ino kesi, mitero yemubhadharo iyo inoshanda ndeye 0,50% yezviyero zvinosvika makumi mashanu ezviuru euros, uye inovakwidziridza ku50.000% pamari yakakwira. Iyo haifungi nezvezvishoma mari yekuzvipira, kana nguva nenguva uye nezvakakosha mutero mabhenefiti, nekuti mari dzese dzakapetwa mukati megore rega rega dzichabvisirwa 0,75% mune chirevo chemari chinotevera (ine huwandu hwe15 euros).
Ipo, pane zvinopesana, iyo account haibvumire yakananga madhidhi, ichibvumira kuwanikwa kwemari chero nguva kuti ishandiswe kunyoreswa kwemasheya ekambani nyowani, iyo inofanirwa kuitwa mukati menguva yakareba yemakore mana kubva zuva rekuvhurwa kweakaundi, pamwe nekunyorwa mune iyo mercantile registry yakafanana. Zvikasadaro, zvese zviri zviviri nechinangwa cheizvo zvinopihwa uye zvenguva yakakwira, ese makadhi emitero acharasika.