Ukuba uneshishini le-intanethi, enye ye Ezona zinto zibalulekileyo ekufuneka uzigcine engqondweni zezi amasango entlawulo. Ngokukodwa, nikezela ngezixhobo kubathengi bakho ukuze bahlawulele iimveliso zakho. Kwaye asithethi ngokubanika izaphulelo, iibhonasi kunye neentlawulo zezavenge, kodwa ukubanika iindlela ezahlukeneyo zentlawulo ezihambelana noko banokukufuna. Ngamanye amazwi, iintlobo ezahlukeneyo zamasango entlawulo.
Amaxesha amaninzi, isizathu sokuba iinqwelo zishiywe phakathi kungenxa yokuba abasebenzisi sele befikelele esiphelweni kwaye, xa kufikwa ekuhlawuleni, ukhetho abalunikiweyo alubaqinisekisi, kwaye bakhetha ukuya kwenye ivenkile, nokuba ukuhlawula kancinci into oyinikezelayo, kuba banendlela yokuhlawula efanelekileyo. Kutheni ungaqwalaseli into ekhoyo?
Athini amasango entlawulo
Ngaphambi kokuba uthethe malunga neentlobo zeentlawulo zesango, kufuneka wazi kakuhle ukuba sithetha ukuthini ngeli xesha.
Isango lokuhlawula ngokwenene indlela yokugunyazisa intlawulo. Ngale ndlela, uya kuqinisekisa ukuba umsebenzisi intlawulo yakhe, kunye nentengiselwano yorhwebo ye-elektroniki eyenzekayo, ichanekile kwaye ikhuselwe zombini.
Ukuba sithathela ingqalelo ukuba ixesha ngalinye abantu abaninzi basebenzisa kwikhadi le khredithi, kwaye akukho mathidala kancinci ukuyisebenzisa kwi-intanethi, into oyenzayo kwi-eCommerce yakho ukunika ukhuseleko ngala masango entlawulo ukuze "uyithembe", ukuze wazi ukuba wenza into engayi kukubeka emngciphekweni ongafanelekanga.
Kutheni i-eCommerce kufuneka isebenzise amasango okuhlawula
I-eCommerce yakho yivenkile yeeyure ezingama-24. Bangathenga okufanayo kuwe nge-3 emva kwemini njenge-3 ekuseni, kwaye oko kuthetha ukunika iindlela zokuhlawula ezifanelekileyo kwaye, ngaphezu kwakho konke, eziqinisekisa ukuba ubudlelwane borhwebo.
Xa unikezela ngentengiselwano ekhuselekileyo, into oyibonisayo kubasebenzisi kukuba ubeke zonke iziqinisekiso ezinokwenzeka ukwenzela ukuba ukuthenga kwabo kunye nentlawulo yabo "ikhuselekile". Kwaye kukuba ukuqinisekiswa kwezi ntlawulo kuhlala kwenziwa ngexesha lokwenyani kwaye ngokuthe ngqo. Kuyafana nokuba kufuneka wenze imbuyekezo.
Zisebenza njani
Ukwenza ingcamango icace kuwe, ukusebenza kwesango lokuhlawula kuqala ngokufika komsebenzisi kwivenkile ye-intanethi, ubona iimveliso ezinomdla kuye kwaye unqume ukuzifaka kwinqwelo kwaye uqale inkqubo yokuthenga. Xa ufika kwindawo yentlawulo, khetha isango lokuhlawula obanika lona.
Kungoko xa inkampani yakho, isebenzisa iphepha lewebhu, ukudlulisela lonke ulwazi lwabathengi (njengesicelo sakho) kwelo sango lentlawulo ngoko ungakhetha indlela oyifunayo.
Ngalo mzuzu, intengiselwano yenziwa kunye nebhanki ukuba ukhethe ukuguqulela idata ngeentlobo ezimbini zenkqubo: SSL o TLS.
Nje ukuba intengiselwano iqinisekiswe yibhanki, olo lwazi luthunyelwa kwinkampani ethengisayo, sele ikwiwebhu, apho kuqinisekiswe ukuba idatha ichanekile kwaye ukuthengwa kunokugunyaziswa.
Ngoku, xa iqinisekisiwe yibhanki yenkampani, ihamba ngebhanki yomsebenzisi ukuze iqinisekise kwaye igunyazise intengiselwano. Ukuba zombini ziqinisekisiwe, ngoko uya kuqhubeka nokuhlawula ngokuthe ngqo.
Kwaye okona kulungileyo, oku kuhlala kusenzeka kwimizuzwana nje.
Iintlobo zamasango entlawulo
Ngoku ukuba kucacile kuwe ukuba zeziphi iigeyiti zentlawulo kwaye zisebenza njani, lixesha lokuphonononga zonke iintlobo ezikhoyo. Kwaye zininzi, nangona ingezizo zonke ezisetyenziswayo okanye ezaziwa. Ezinye zezona zisetyenziswa kakhulu eSpeyin.
Paypal
I-Paypal lelinye lamasango amadala kodwa asebenza kakuhle phaya. Kwaye kukuba umsebenzisi akanyanzelekanga ukuba anike iinkcukacha zakhe zebhanki ukuze ahlawule, kodwa wenza yonke into nge-imeyile.
Ingxaki kuphela kukuba ayizizo zonke i-eCommerce eziyisebenzisayo kwaye abanye bade ukwandisa ixabiso lentlawulo ukuphepha ukubahlawulisa ngekhomishini ehlawuliswa yi-PayPal ngokuyisebenzisa njengendlela yokuhlawula.
Amazon Pay
Le ayisiyiyo enye yezona ziyaziwa kakhulu eSpain, nangona oko kunokutshintsha kwiinyanga ezimbalwa okanye iminyaka. Iqonga lakho lokuhlawula li enye yezona zikhuselekileyo kwaye iintengiselwano zikhuseleke kakhulu, kwaye konke okufuneka ukwenze kukungena kwiAmazon ukuze ukwazi ukuhlawula ngayo.
Ngokumalunga ne-eCommerce, ngakumbi nangakumbi bavula le ndlela kwaye asiyi kumangaliswa ukuba kancinci kancinci babenayo njengenye yeplatifti zentlawulo engagqibekanga.
Redsys
Yaziwa kakhulu eSpain kunye nemvelaphi yaseSpain, yenye yezona zisetyenziswa kakhulu. Phakathi kweempawu zayo, inokudityaniswa namakhadi etyala kazwelonke nakwamanye amazwe; inezatifikethi zeVisa kunye ne-Mastercard kunye Yenye yezona zinto zilula ukuzisebenzisa..
Ukugunyaza
Eli sango lokuhlawula likuvumela bhatala nanini na, naphi na. Ineminyaka engaphezu kwama-20 yamava njengoko kunjalo kwaye yenye yezona zidumileyo. Ngaphezu koko, ngokungafaniyo nabanye, oku Awudingi iwebhusayithi ukuba ube nesatifikethi se-SSL okanye ukuba iyahambelana ne-PCI ukuyisebenzisa.
Ukongezelela, ijongene nokudlulisa imali kwii-akhawunti zebhanki, ngendlela yokuba yonke into izenzekelayo kwaye ugweme ukuchitha ixesha.
Apple Pay
Kubasebenzisi be-Apple, le inokuba yenye yeendlela zokuqwalasela iintlawulo. Kwaye yile nto yokukhwela sebenzisa i-Face ID kunye ne-ID ye-Touch ukuqinisekisa intlawulo.
ewe, kwishishini lakho kufuneka ube netheminali ene-NFC, kungenjalo awuyi kukwazi ukuyisebenzisa ukuhlawula. Into entle kukuba ukhuseleko luphezulu ngale nkqubo, nangona eneneni amashishini amaninzi engekayiqapheli.
ngombala
Yiyo yezona zaziwa kakhulu, ekwaziyo ukuthenga ngokucofa uninzi lwamakhadi awamkelayo.
Ingxaki kuphela onayo kukuba ufumane intlawulo kungathatha iintsuku ezi-7-14, leyo, kwii-SME kunye nabasebenza ngokuzimeleyo, isenokungabi yeyona nto ilungileyo kwishishini lakho.
Ezinye iiplatifomu ezifana ne-Square, i-MercadoPago, i-PayPro Global, i-FONDY, i-Swipe okanye i-Payment Sense nayo iyimizekelo yeentlobo zeendlela zokuhlawula ekufuneka ziqwalaselwe.
Oyena ubalaseleyo kubo? Kuya kuxhomekeka kuhlahlo lwabiwo-mali lwakho kunye nento oyifunayo kwi-eCommerce yakho. Kuyenzeka ukuba usebenzise ezininzi ngexesha elinye, uqinisekisa iindidi ezininzi kubathengi bakho. Ngaba yonke into icacile kuwe?