Umahluko phakathi kweVisa neMastercard

Ngumsebenzi wakho wokuqala, ukongeza ekusebenziseni iakhawunti yasebhankini, ingangumbono olungileyo ukuba nekhadi lokuthenga ngetyala, ugqibezele inkqubo kwaye uzifumane usefolokweni Ngaba i-MasterCard okanye iVisa ingcono? Ukuthathela ingqalelo ukuba lixesha lakho lokuqala koku kubini kokukhetha ukwenza ikhadi, yeyiphi oyikhethileyo? Kwaye nakwabo bangengabo abatsha kumxholo

Kungathetha ntoni ukuba neVisa okanye iMastercard? Ngaba kufanelekile? Kwaye yintoni umahluko wabo obalulekileyo? Apha sicacisa yonke into kuwe!

Yintoni iVisa okanye iMastercard

Kakhulu IVisa kunye neMastercard ngamagama amabini awaziwayo kwihlabathi, ngakumbi xa uhlawula. Oku kunxulumene nekhredithi yakho okanye ikhadi lekhredithi, kodwa uhlala ungazi ukuba nganye nganye ibhekisa phi nokuba ingaba ingcono kunenye.

Into yokuqala ekufuneka uyazi ngabo kukuba zombini iVisa kunye neMastercard zezi tech, hayi iibhanki ngokwenene. Baqinisekisa ukuba ungasebenzisa i-debit okanye ikhadi lakho letyala, eSpain nakwilizwe liphela. Ngamanye amagama, basebenza njengabalamli ukuze kwenziwe intlawulo, ngokusekwe kwimeko esekwe kwisivumelwano phakathi komthengi kunye nebhanki.

Sebenzisa iVisa okanye i-Mastercard evumela ukuba ube nakho ukusebenza ezivenkileni kumazwe angaphezu kwama-200 ahlukeneyo, nakumashishini amaninzi, nokuba yeyomshwalense wengozi, uncedo lwezonyango, unyuselo olukhethekileyo, njl.

Uyintoni umahluko phakathi kwekhadi leVisa okanye leMastercard

Ukuba sikubuze ngqo uthini umahluko phakathi kwekhadi leVisa kunye nekhadi leMasterCard, ubunokutsho ukuba ziyafana. Kodwa ngokwenene akunjalo. Nganye yazo ineempawu zayo "ezingafaniyo" ezingaziwa ngabantu abaninzi.

Ngokukodwa, sithetha ngezi zinto zilandelayo:

• Inkqubo yemivuzo. Kwimeko yeVisa, le nkqubo isekwe kwizaphulelo, eziya kuxhomekeka kwilizwe ngalinye kunye nokusetyenziswa ukuba, njengomthengi, ulinike ikhadi. Ngokwenxalenye yayo, nge-MasterCard imivuzo isekwe kwilizwe ngalinye kuphela, kodwa ikwabonelela ngokudibeneyo kwaye oko kukuthi, ukuba usebenzisa iimveliso ezithile okanye iinkampani, ufumana izaphulelo.
• Ukwamkelwa. Ikhadi leVisa lamkelwe kwiivenkile ezingaphezu kwezigidi ezingama-30 nakumazwe angama-170. Kwimeko ye-MasterCard, yamkelwe ngaphantsi, i-24 yezigidi. Kodwa ukubuya, yamkelwe kumazwe amaninzi, angama-210.
• ATM Apha kukho umahluko ocacileyo phakathi kwezi zimbini. Ngelixa iVisa ine-ATM ezingaphezulu kwe-2,1 yezigidi; I-MasterCard isebenza kuphela kwisigidi.

Ngamafutshane, sithetha ngamakhadi amabini afanayo, ngalinye linempawu zalo, ezifanayo kakhulu komnye nomnye. Nangona zifana, zahlukile kwimiba ethile eneneni eyahlulahlula phakathi kwazo. Kodwa xa kuziwa ekusebenziseni, ziyafana, kwaye malunga neemeko ekubonelelwa ngazo ziibhanki, azifani ngokwaneleyo ukuba zichonge umahluko omkhulu ngaphaya kwezo zixutyushwe ngokubanzi.

Makhe sithethe ngeVisa

Lishishini leenkonzo zezezimali, elinenkunzi evulekileyo, eyasekwa ngo-1970 nguDee Hock eSan Francisco, eCalifornia United States. Iimveliso zayo eziphambili ziyi-debit, ikhredithi kunye namakhadi e-wallet. Oku kuxhomekeke kwi-Dow Jones Industrial Average, eyenye yee-indices zesitokhwe ezenziwe nguCharles Henry Dow, owona msebenzi uphambili wesalathiso sesitokhwe kukulinganisa ukusebenza kweenkampani ezingama-30 ezinkulu ezidweliswe kwimarike yemasheya yaseMelika. .

Ukuba yikhadi letyala kunye nekhadi lebhanki elisebenza kwihlabathi liphela, ukusebenza kwalo kuyafumaneka "Ukwenziwa kweNkonzo yeVisa yeHlabathi", kwikomkhulu elisemthethweni eSan Francisco, eCalifornia eMelika. Kuyaziwa ngokuba liphulo elidibeneyo lamaziko emali angaphezu kwama-20 amawaka anikezela ngoku ngeemveliso zevisa.

Yintoni i-Joint Venture?

Kuvela kumdibaniselwano odibeneyo oguqulelwe njenge "mngcipheko ekwabelwana ngawo", kwimivumbo ebanzi sinokuqonda ukuba kukucinga nje ngomngcipheko omkhulu, kodwa ingaphezulu koko. Eli gama likwabizwa ngokuba yi "Joint Venture" .Inokuba yinkampani enye okanye ezininzi ezenza umanyano ngeenjongo zokurhweba. Ngumbutho wezorhwebo, kulo mbutho amaqabane abelana ngomngcipheko ngokubhekisele kwinkunzi kunye nezibonelelo ngokwerhafu ekuvunyelwene ngazo.

IVisa ibekwe njengenye yeemveliso eziphambili kwihlabathi liphela. IVisa ivelisa umthamo omkhulu wentengiso ngonyaka, umndilili ongaphezulu kwe-2 yezigidi zeedola. Ngoku emva kokuthetha ngeedola naseMelika, Ithetha ntoni iVisa eSpain? E-Europe kukho ngaphezulu kwe-280 yezigidi zamakhadi okuthenga ngetyala, i-Visa debit, inenqanaba eliphezulu lokwamkelwa kwinqanaba lezemveliso nelomhlaba jikelele. Ngo-2005 kuphela, iimveliso zeVisa zazisetyenziselwa ukwenza ukuthengiselana ngemali ngekhompyutha kufikelela phantse kwi-1 yezigidi zezigidi.

IVisa ibonakala kakhulu kwihlabathi liphela ngenxa yesikhundla sayo esiphambili kushishino lweendaba zentlawulo kwihlabathi kunye nenani elikhulu lamalungu (amaziko emali) ahambelana nayo (ngaphezulu kwama-20 amawaka).

IVisa isinika iimveliso eziphambili nezisemgangathweni ukhuseleko kunye nokulawula lula imali yethu, ukuthengwa kunye nokuhamba kwemali, yeyona mveliso iphambili eyahlukileyo ebonelelwa yiVisa. Unokuqhagamshelana ngakumbi ngeVisa kwiphepha layo elisemthethweni: https://www.visa.com.es/

Makhe sithethe ngeMastercard

I-Mastercard yikhapitali evulekile kunye neenkonzo zezezimali. Yayisungulwa kwi-1966 kunye nekomkhulu eNew York, eUnited States.

Ukuba luphawu lwetyala kunye namakhadi etyala. Oku kwasekuqaleni kwenziwa yi-United Bank yaseCalifornia, ngaphandle koku, ngenjongo kunye neenjongo zentengiso, inxulumana namanye amaziko asebhanki afana neFort Interstate Bank, California First Bank, Wells Fargo & Co kunye neCrocker National Bank. Yiyo loo nto ukwenza i-Mastercard inkampani kawonkewonke edweliswe kuluhlu lweNew York Stock Exchange.

Malunga nePayPass

Omnye Inqaku elitsha lokuhlawula elinikezelwa yi-Mastercard, esekwe kwi-ISO 14443 ngumgangatho osemthethweni obonelela ngamakhadi ngendlela elula yokuhlawula, oku kuququzelelwa kusetyenziswa umnxeba okanye isitshixo se-FOB. okanye umfundi wesiphelo sendlela kwindawo yentengiso.

Ukusukela ngo-2005, i-Mastercard isebenzise iPayPass okanye iPasment Pass kwiimarike ezithile.

Ngo-2005, i-Mastercard yaqala ukusebenzisa iinkonzo ezingaphandle kwe-PayPass kwiimarike ezithile. Ukususela ngoJulayi 2007, la maziko emali alandelayo apapashe ipasiti yokubhatala ye-Mastercard:

• JPMorgan Chase.
• Kay Bank.
• Ibhanki ye-Commonwealth, uBanco Garanti
• Ibhanki yaseMontreal
• ICitizens Bank kunye noMqulu weBhanki enye.
• Citibank
• Ibhanki yaseMelika.

Phakathi kwabanye

I-BankNetEqhutywa yi-MasterCard, ngumnatha wonxibelelwano oqhagamshela yonke i-MasterCard ngetyala, i-debit, ukuthengwa, amaziko enkqubo kunye neziko lokusebenza eSt. Louis, Missouri, United States. Olu ujongano lwathatyathwa luphawu oluqhutywa yiMasterCard

I-MasterCard kunye neVisa zinomahluko obonakalayo Kuba inkqubo yeVisa isekwe kwinethiwekhi ye-Star, ekuthi kuyo yonke indawo yokuphela iphele kumaziko edatha, embindini konke ukuqhubekeka kwenziwa. Ngelixa i-Mastercard isebenzisa imo yoontanga apho zonke iintengiselwano zayo zipheliswa ekupheleni. Lo mahluko wenza ukuba inkqubo ye-Mastercard inyamezeleke ngakumbi, ukuba kukho ukusilela kwindawo ethile yokuphela, ihlala ikwanti kwaye ingayichaphazeli inkqubo iphelele okanye iqhezu elibonakalayo, inikwe umda kwinqanaba elinye lokugqibela ngaphandle kokuchaphazela abanye.

Kukuphi okungcono, iVisa okanye iMastercard

Ngoku, yeyiphi eyona ilungele wena? Ngaba iVisa ingcono? Mhlawumbi i-MasterCard? Impendulo inzima; Ngokwenyani, asinakukuxelela ukuba enye ibhetele kunenye kuba yonke into iya kuxhomekeka ikakhulu kusetyenziso ofuna ukulinika lona, ​​kwiprofayile yakho njengomthengi.

Ukukhetha enye okanye enye kuya kugqitywa ngokwazi ukuba yeyiphi inyuselo umntu ngamnye ayinikezelayo, Kananjalo nokwazi iimfuno zakho. Umzekelo, ukuba kuya kufuneka usebenze kumazwe aliqela, kuya kufuneka uyazi ukuba lamkelwe na ikhadi kubo bonke, kuba, njengoko sibonile, iVisa ayamkelwa kumazwe amaninzi njenge-Mastercard (kwaye oku akuthethi Zininzi ii-ATM eziza kusebenza naye).

Ke, isigqibo sokugqibela kufuneka sicamngce ngaso. Kuya kufuneka ubeke etafileni usetyenziso oza kuyinika lona, ​​kodwa kunye neempawu zekhadi ngalinye kunye nokunyuselwa elinalo, ngokweekhomishini, iqondo lenzala kunye neminye imiba enokuthi ikhethe enye okanye enye.

Kuzwelonke, oko kukuthi, eSpain, zombini enye kunye nezinye zilungile, kwaye iimeko abazibonisayo ziyafana enye kwenye, ke ngekhe kubekho ngxaki kangako ekukhetheni. Mhlawumbi apho unokufumana amathandabuzo ngakumbi kuxa usenza imisebenzi phesheya, esiza kuthetha ngayo ngokulandelayo.

Uyintoni umahluko phakathi kweVisa kunye neMastercard?

Kumaxesha amaninzi, umsebenzisi eSpain unomdla kakhulu kwiziko lezemali elikhuphisa ikhadi, nokuba yikhredithi, idebhithi okanye isipaji se-elektroniki, oku kungenxa yokuba zininzi izibonelelo, unyuselo kunye namanqaku aqinisekileyo njengabathengi abasenza sikhethe ngakumbi ibhanki enye kunenye. Kwaye ngokubhengezwa okuninzi ngokubhekisele kwiVisa kunye neMastercard, umthengi uphela edidekile malunga nezibonelelo kunye nezinto ezingalunganga ezifunyanwa yile xa efumana ikhadi elikhutshwe kwezi nkqubo zimbini zokuhlawula.

IVisa kunye neMasterCard, zombini ziiprosesa zokuhlawulwa kwekhadi letyala kunye nekhadi aziwa kakhulu kwaye asetyenziswa kwihlabathi liphela ukusukela ngo-2010, ngokusekwe kumanani-nkcazo ajikelezayo iikredit kunye nekhadi lokukhawuleza kula mashishini. I-Visa kunye ne-MasterCard ngokucacileyo inikezela ngenkonzo efanayo (inkqubo yokuhlawula ikhadi lekhredithi / lokuthenga) kodwa zibonelela ngezibonelelo ezahlukeneyo kunye neempawu ukuze kutsalwe ezinye iibhanki kunye nabathengi (abasebenzisi bekhredithi, abatyala kunye nabasebenzisi be-e-wallet) kwiimveliso zabo.

Into ebalulekileyo omele uyigcine engqondweni njengomsebenzisi okanye umnini wekhadi kukuba iVisa kunye neMasterCard ayizizo iibhanki, imveliso abaluleke ngayo kwihlabathi lezemali iteknoloji Ngubani ongaziva enganqabisekanga xa ehlawulela imveliso okanye inkonzo kwi-intanethi? Ngaba bayandiqhawula? Ngaba oku kuya kukhuseleka? Kutheni ubuza inombolo yam yekhadi amaxesha amaninzi? Ndazi njani ukuba iphepha endikuyo likhuselekile? Kodwa ungakhathazeki, zombini ezi nkampani zikhuselekile, zithatha umba wokhuseleko kunye nemfihlo ngokungathí sina. Nokuba kuthengiwe kwi-Intanethi, omabini amaqonga axhasa ngokukhuselekileyo iintlobo ezithile zamaphepha kwaye ungajonga ukuba banalo uphawu lwokhuseleko lolunye kwezi zimbini, nokuba yiVisa okanye iMasterCard.

Ukongeza, kukho ezinye ekufuneka uzithathele ingqalelo:

• Ukuhlanganiswa komhlaba wonke kumaziko. IVisa yamkelwe kumaziko orhwebo azizigidi ezingama-30 kwihlabathi liphela, ngelixa i-MasterCard ikumaziko angaphezu kwezigidi ezingama-24 kwihlabathi liphela. Akunjalo ukuba siyayihlalutya kunye noku kulandelayo.
• Ukusasazwa kwihlabathi liphela. IVisa yamkelwe kumazwe angama-170 ngelixa i-MasterCard yamkelwe kumazwe angama-210. Ukuba uhambela uninzi lwala mazwe angayamkeliyo iVisa, unokukhetha ukuhlala neMasterCard, ukuba unomsebenzi esixekweni sakho kwaye awuhlali uhamba kakhulu okanye unezicwangciso zokuya phesheya, kunokuba ngcono ukuze uhlale neVisa kunye nenani elikhulu lamaziko akhoyo.
• Ukusebenza kunye neeATM. IVisa ikhokelela kwindlela ngokusebenza ngaphezulu kwe-2 yezigidi zee-ATM kwihlabathi liphela, i-MasterCard isebenza kuphela kwisigidi esinye se-ATM kwihlabathi liphela. Uncedo okanye ukungalunganga kuxhomekeke kwakhona kumsebenzisi, ndagqibela nini ukukhupha imali? Zingaphi izinto ozithengayo kwi-intanethi? Ngaba kunyanzelekile uye kwi-cashier? Masikhumbule ukuba ikamva lentengiso yi-E-Commerce, uninzi lweevenkile zeempahla kunye neenkonzo zihlawulisa ikhadi lakho ngokuthe ngqo, kodwa mhlawumbi ezo venkile zempahla kunye neenkonzo enihamba kuzo njengomthengi azifikeleli kwidolophu yakho, amaxabiso elula ukwenza.
• Ngokuqinisekileyo unomdla. IVisa inenkonzo ekuthiwa yi-Verified by Visa esebenzisa igama eligqithisiweyo ngexesha owenza ngalo intengiso kwi-Intanethi kwelinye lamashishini kunye namaziko ahambelana neVisa. I-MasterCard isebenzisa iKhowudi ekhuselekileyo ye-MasterCard, eligama lokugqitha elipheleleyo elenziwa xa ufuna ukuthenga nge-Intanethi kunye nabarhwebi kunye namaziko amanyeneyo eMasterCard. Zombini ziphambili kolu khuphiswano, ekubeni ngumcimbi olungileyo kwi-MasterCard inkqubo yayo yokuqhubekeka idatha, kuba iVisa isebenzisa ukwenziwa kweenkwenkwezi kwaye yenza amanqaku amaninzi okukhutshwa kwedatha anokufumana uhlaselo olusemngciphekweni, oku akubonisi ukuba i-MasterCard iyayityeshela Olu hlaselo okanye inqaku lokuba sesichengeni kodwa i-MasterCard inenkqubo yokuqhubekeka kwedatha apho inqaku lokukhutshwa lisengozini, eli nqanaba lodwa kwaye inethiwekhi yonke ihlala izinzile.

Yeyiphi oyikhethayo? Kuxhomekeka kuhlobo lomthengi olikho, iimfuno onazo kunye nendlela oyiphatha ngayo imali yakho.

IVisa okanye iMastercard phesheya

Kwimeko apho usenza imisebenzi phesheya, okanye ukuba uhlala phesheya, kunokubakho umahluko phakathi kokusebenzisa enye okanye enye. Ngokusisiseko oku kuyakubhekisa kumaziko amkela elinye nelinye. Oko kukuthi, kunokuba kunjalo ukuba kukho iivenkile ezingayamkeliyo iVisa kodwa i-Mastercard, okanye ngokuchaseneyo.

Singamisela inethiwekhi yeATM, kodwa sithathela ingqalelo ukuba kuya kuyinto eqhelekileyo ukwenza intlawulo kwi-Intanethi ngaphandle kwemfuneko yokuhlawula "ubuso ngobuso", okanye ngemali, ayizukuba yingxaki enjalo.

Ngamafutshane, sithetha ngesigqibo esiza kuthi kuxhomekeka ikakhulu kwiindawo apho kuya kufuneka uqhubele phambili ukuthengiselana ukuze wazi ukuba iVisa okanye iMastercard ephesheya ilungile. Ukuba uninzi lwamaziko amkela uhlobo, kuyakufuneka ulifumane elo khadi; Kwelinye icala, ukuba zombini zamkelwe, apha kuya kuxhomekeka kunyuselo abakunika lona ukuba ukhethe enye okanye enye. Ewe kunjalo, gcinani engqondweni ukuba, ngamanye amaxesha, iibhanki azikubuzi uhlobo lwekhadi, ukuba izakuba yiVisa okanye i-Mastercard, kuba zihlala zizenza ngokuzenzekelayo (kodwa kunokuba kunjalo ukuba zinokukhetha zombini).

Uyintoni umahluko phakathi kwekhadi letyala kunye nekhadi ledebhithi?

Ukugqiba Kuya kufuneka uyazi ukuba ikhadi lekhredithi lelona apho ibhanki "ikuboleka" imali oya kuthi emva koko ubuyise. Isixa-mali simiselwe ngexesha lokuqesha, kwaye siyakuchazwa ngumvuzo wakho kunye nemeko yomsebenzi. Kunika umdla xa uneendleko ebezingalindelwanga, kodwa akukhuthazwa ukuba abo banengxaki yokulawula ukonga kwabo, kuba nabo banoxanduva lokubuyisa oko bakwenzileyo kunye nenzala.

Inqaku elidibeneyo:

Umahluko phakathi kwekhadi letyala kunye nekhadi ledebhithi

Amakhadi etyala, kwelinye icala, ngalawo akuvumela ukuba uchithe kuphela imali onayo kwiakhawunti yakho yebhanki ngaphandle kweendleko ukuba lithathwe kwibhanki ekukho kuyo ikhadi. Ke ngoko, unolawulo olungcono kwinkcitho yakho.

Lilonke, sinethemba lokuba sikuncede ukuba uthathe isigqibo sokuba uyayithatha na i-VISA okanye i-Mastercard.