Phambilini, izindlela zokukhokha bezingabaningi kakhulu: ngokheshi noma ngekhadi. Kancane kancane, bangeze ukudluliselwa kwamabhange, imali ekulethweni ... Kwabe sekufika i-PayPal. Futhi ukusuka lapho izindlela zokukhokha zinwetshelwe kokunye okwaziwa kakhulu: iBizum.
Le ndlela ingenye yezindlela ezisetshenziswa kakhulu kulezi zinsuku, futhi ihlangana kahle namabhange. Kepha, Yini iBizum? Isebenza kanjani? Futhi, ngaphezu kwakho konke, yimaphi amabhange asebenza naye? Unakho konke lokhu nokunye okuningi kulesi sihloko.
Yini iBizum
Ngokuphikisana nalokho ongakucabanga, iBizum empeleni ayisona isicelo. Imayelana ne- system ukuze ikwazi ukukhokha ngokushesha phakathi kwabantu. Kubonakala ngokuba yindlela yokukhokha ephephile futhi, ngaphezu kwakho konke, ukuthi ikhiqizwa okwamanje.
Ngale ndlela, uvikela ngokuya ngokuthengiselana kwebhange (yize empeleni ibhange uqobo lisebenza). Kulokhu, ukuthumela imali akudingi omunye umuntu ukuthi akunikeze ikhodi yakhe ye-IBAN ukwenza kanjalo, kepha usebenzisa olunye uhlelo ku-Paypal.
Isebenza kanjani
Ukuqala ukusebenzisa iBizum kulula impela, kepha akufanele uzinake izinyathelo okufanele uzithathe ukuze ukhokhe noma uthumele imali kumuntu. Ngakho-ke, lapho uyisebenzisa, kungcono ukulandela lezi zinyathelo ezilandelayo:
Faka uhlelo lokusebenza
Into yokuqala oyidingayo ukuthi ube nesicelo kuselula yakho. Lokho kusho ukuthi kufanele uyilande futhi uyilungiselele. Iningi lezinhlelo zokusebenza zebhange selivele lihlanganiswe neBizum futhi zisebenzisa iziqinisekiso ezifanayo nezasebhange eliku-inthanethi.
Ngakho-ke into enhle kakhulu ukudala i-akhawunti futhi hlanganisa insiza ye-Bizum nebhange lakho.
Qinisekisa inombolo yakho
Isinyathelo esilandelayo okudingeka ukwenze ukuqinisekisa inombolo yakho yeselula. Futhi uzokwenza lokho nge-SMS yokuqinisekisa. Kufanele uqiniseke ukuthi inombolo yeselula oyinikezayo ingu eyodwa exhunywe nebhange lakho ngoba, uma yehlukile, inganikeza ezinye izinkinga lapho uyihlela (ngoba ngeke ikubone). Kepha uma kungenjalo, ngeke ube nankinga ngakho.
Thumela imali
Manje kuza into ebalulekile, okungukuthi, ukusebenzisa iBizum. Futhi ngalokhu, akukho okufana nokuthinta okulula okumbalwa. Esikrinini esikhulu uzoba nezinkinobho ezimbili: Thumela imali, futhi Cela imali. Uma okufunayo ukuthumela othile, chofoza inkinobho yokuqala.
Manje, izokucela ukuthi ukwenze khetha onomusa ozothola inani lemali Ufuna ukumthumelela ini (imvamisa uzodonsa i-ajenda yakho). Uma ungenayo kuwo, ungafaka inombolo yakho yocingo futhi ngaleyo ndlela ungathumela imali.
Ngomzuzu owodwa nje kutholwa i-SMS yokuqinisekisa enekhodi okufanele uyifake kuhlelo lokusebenza futhi, ngaleyo ndlela, uqinisekise ukuthi ufuna ukuthumela imali.
Omunye lo muntu uthola ne-SMS eqinisekisa ukuthi uyitholile imali nokuthi iyatholakala kwi-akhawunti yakhe.
Kuthiwani uma ngifuna ukucela imali?
Uma kwenzeka ufuna ukucela imali, uhlelo luyayivumela futhi inqubo ilula kakhulu. Kumele uchofoze inkinobho ethi Cela imali, bese ugcwalisa izigaba ezintathu: okhokhayo, inani nomqondo.
Uma usukwenzile, uthola ikhodi futhi umsebenzi uzobe usalindile kuze kube yilapho lowo muntu ekukhokhela (lapho uzothola omunye umyalezo othi isikweletu "sesikhokhiwe").
Yimaphi amabhange asebenza neBizum
I-Bizum iba yindlela yokukhokha esabalele. Kakhulu kangangokuthi amabhange amaningi ayabheka ukuyifaka phakathi kwezinsizakalo zabo. Eqinisweni, okwamanje, sekuvele kukhona Amabhange angama-26 asebenza ngale ndlela yokukhokha, futhi lokho kungenziwa kusebenze ngezinyathelo ezimbalwa ngokusebenzisa izinhlelo zebhange (noma zangaphandle).
Lezi yilezi:
- ICaixa Bank
- BBVA
- Santander
- Sabadell
- Bankia
- Okudumile
- I-Kutxabank
- Ibhokisi Lasemakhaya
- I-Unicaja
- I-Ibercaja
- ICajamar
- Abanca
- I-Bankinter
- Liberbank
- Kutxa Labour
- EVO
- Ama-Eurobox asezindaweni zasemakhaya
- Onjiniyela Ibhokisi
- I-Mediolanum Bank
- I-Cajalmendralejo
- ICajasur
- German Bank
- Ibhange Lesithombe
- Ihhovisi eliqondile
- I-Openbank
- Umfundisi
- ING
Izindleko ezimweni eziningi zimahhala, kepha kufanele uqaphele, njengoba abanye bebeka uchungechunge "lwezindleko" zokwenza le ndlela yokukhokha. Kukhona futhi nemikhawulo emalini engathunyelwa nakukuthengiselana okuzokwenziwa. Konke kuncike ebhange ngalinye njengoba besungula uchungechunge lwezimo ezikhethekile kulowo nalowo.
Lapho ungathenga khona nge-Bizum
Asikwazi ukukutshela ukuthi ungathenga nge-Bizum yonke indawo, ngoba akulona iqiniso. Kepha selokhu kuphume le ndlela yokukhokha, amabhizinisi amaningi aya ngobhalisela ukukhokha ngalolu hlelo. Ekuqaleni, inkokhelo yayiphakathi kwabantu, ngaphandle kokuningi, kepha manje sekuvulelekile kwezentengiselwano online futhi kuyindlela elula futhi esheshayo yokwenza.
Empeleni kukhona izinkampani eziningana ezivumela ukukhokha nge-Bizum, amagama amakhulu wemikhiqizo efana ne-Iberdrola, i-Yelmo Cines, i-Decathlon, i-Logitravel, i-Balearia, i-Enegry Sistem, i-Mammoth, i-Alsa, i-Destinia, i-Roomdi, i-Electrocosto, i-EnanoFriki, Yenza ikhava yakho ngokwezifiso ...
Ukwazi zonke izitolo ezamukela inkokhelo nge-Bizum sincoma ukuthi uvakashele lesi sixhumanisi lapho benobudlelwano khona nenqwaba yabo.
Izinzuzo zokusebenzisa iBizum
Uma ungakaqiniseki ukusebenzisa iBizum, mhlawumbe izinzuzo ezifingqiwe zizokwenza uthathe isinyathelo bese uqala ukuyisebenzisa. Futhi kulula kakhulu ukuyisebenzisa.
- Izinkokhelo ezilula ngeselula. Eqinisweni, awudingi ukwazi ukuthi iyiphi inombolo ye-akhawunti yomunye umuntu, kepha yigama labo lomsebenzisi kuphela ukuze ukwazi ukuliphatha.
- Kukhululeke kakhulu ukuyisebenzisa. Kuyashesha, ngoba uma usuyisebenzisile, imali ifinyelela ngokushesha komunye umuntu.
- Es seguro. Ngoba njengoba namabhange uqobo ehilelekile, izinhlelo zokuphepha abanazo ziphakeme impela.
- Kunoma yiliphi ibhange. Lapha sizokunikeza ama-nuances athile futhi lokho yilokho, noma kunenani elikhulu lamabhange asebenza neBizum, hhayi wonke awenzayo. Kepha uma ibhange lakho linayo le nsizakalo, kufanele wazi ukuthi akudingeki uvule i-akhawunti entsha, futhi akudingeki ukhokhe imali ethe xaxa ngale nsizakalo (ngaphandle kwamanye amabhange anamakhomishini).