Umehluko phakathi kweVisa ne-Mastercard

i-visa noma i-mastercard

Kungumsebenzi wakho wokuqala ngaphezu kokucubungula i-akhawunti yasebhange, futhi kungaba ngumqondo omuhle kakhulu ukuba nekhadi lesikweletu, uqedele inqubo bese uzithola usemfoloko Ngabe i-MasterCard noma i-Visa ingcono? Ngokubheka ukuthi kungokokuqala ngqa kulokhu okukabili ukukhetha izinketho ukucubungula ikhadi, kufanele ukhethe yiphi? Futhi nakwalabo abangafikanga esihlokweni

Kungasho ukuthini ukuba ne-Visa noma i-Mastercard? Ingabe kufanelekile ngempela? Futhi yini ngempela umehluko wabo obalulekile? Lapha sicacisa konke ngawe!

Yini i-Visa noma i-Mastercard

ngakho IVisa neMastercard ngamagama amabili aziwa kahle emhlabeni, ikakhulukazi lapho ukhokha. Lokhu kuhlobene nekhadi lakho lasebhange noma lesikweletu, kepha imvamisa awazi ukuthi ngayinye ibhekisa kuphi nokuthi ngabe enye ingcono yini kunenye.

Into yokuqala okufanele uyazi ngabo ukuthi womabili amaVisa neMastercard tech, hhayi amabhange ngempela. Baqinisekisa ukuthi ungasebenzisa imali yakho yasebhange noma yekhadi lesikweletu, eSpain nasemhlabeni wonke. Ngamanye amagama, basebenza njengabalamuli ukuze kwenziwe izinkokhelo, ngokuya ngemibandela esungulwe esivumelwaneni phakathi kweklayenti nebhange.

Usebenzisa iVisa noma i-Mastercard okukuvumelayo ukwazi ukusebenza ezitolo emazweni angaphezu kwama-200 ahlukene, nasemabhizinisini amaningi, kungaba ngumshwalense wengozi, usizo lwezokwelapha, ukukhushulwa okukhethekile, njll.

Uyini umehluko phakathi kwekhadi le-Visa noma le-Mastercard

i-visa noma i-mastercard

Uma sikubuze ngqo uyini umehluko phakathi kwekhadi le-Visa nekhadi le-MasterCard, ubungasho kakhulu ukuthi ziyefana. Kepha empeleni akunjalo. Ngamunye wabo "unezici" zakhe ezingaziwa ngabaningi.

Ngokuqondile, sikhuluma ngalokhu okulandelayo:

  • Uhlelo lwemiklomelo. Endabeni yeVisa, lolu hlelo lususelwa kwizaphulelo, ezizoncika ezweni ngalinye kanye nasekusebenziseni okuthi, njengekhasimende, ulinike ikhadi. Ngokwengxenye yayo, nge-MasterCard imivuzo isuselwa ezweni ngalinye kuphela, kepha futhi ikunikeza okuhlanganisiwe okusho ukuthi, uma usebenzisa izinhlobo ezithile zezinkampani noma izinkampani, uthola izaphulelo.
  • Ukwamukela. Ikhadi le-Visa lamukelwa ezitolo ezingaphezu kwezigidi ezingama-30 nasemazweni ayi-170. Endabeni ye-MasterCard, yamukelwa ngaphansi, izigidi ezingama-24. Kepha ngokubuyisela, kwamukelwa emazweni amaningi, angama-210.
  • Ama-ATM Nalapha kukhona umehluko ocacile phakathi kwalokhu okubili. Ngenkathi iVisa inama-ATM angaphezu kwezigidi eziyi-2,1; I-MasterCard isebenza kuphela esigidini.

Ngamafuphi, sikhuluma ngamakhadi amabili afanayo, ngalinye linezici zalo, ezifanayo kakhulu komunye nomunye. Yize zifana, ziyehluka ngezici ezithile okuyizona ezehlukanisa kakhulu phakathi kwazo. Kepha uma kukhulunywa ngokuwasebenzisa, ayafana, futhi maqondana nemibandela amabhange akunikeza yona, awahlukile ngokwanele ukuthola umehluko omkhulu kunalowo okuxoxwe ngawo ngokujwayelekile.

Ake sikhulume ngeVisa

Kuyimboni yezinsizakalo zezezimali, enenhlokodolobha evulekile, eyasungulwa ngo-1970 nguDee Hock eSan Francisco, eCalifornia United States. Imikhiqizo yayo eyinhloko ngamakhadi we-debit, wesikweletu newallet. Lokhu kuncike kwi-Dow Jones Industrial Average, engelinye lama-stock indices elenziwe nguCharles Henry Dow, umsebenzi oyinhloko wale nkomba yesitoko ukukala ukusebenza kwezinkampani ezinkulu ezingama-30 ezisohlwini lwemakethe yamasheya ase-United States. .

Ukuba yikhadi lesikweletu nasebhange elisebenza emhlabeni wonke, ukusebenza kwalo kuyatholakala ku- I- "Visa International Service Assoiciation", nendlunkulu esemthethweni eSan Francisco, eCalifornia e-United States. Kuyaziwa ngokuhlanganyela okuhlangene kwezikhungo zezezimali ezingaphezu kwezinkulungwane ezingama-20 okwamanje ezinikela ngemikhiqizo yama-visa.

Yini i-Joint Venture?

i-visa noma i-mastercard

Kuqhamuka kwi-anglicized joint venture ehumusha ngokuthi "izingozi ezabiwe", ngokushaywa okubanzi singaqonda ukuthi kumane kungukucatshangelwa kwezingozi ezinkulu, kepha kungaphezu kwalokho. Leli gama laziwa nangokuthi "I-Joint Venture". Kungaba yinkampani eyodwa noma eziningi ezakha umfelandawonye ngezinjongo zamabhizinisi. Kuyinhlangano yebhizinisi, kule nhlangano abalingani babelana ngobungozi maqondana nenhlokodolobha nezinzuzo ngokuya kwamanani okuvunyelwene ngawo.

IVisa ibekwe njengomunye wemikhiqizo ehamba phambili emhlabeni jikelele. IVisa ikhiqiza ivolumu ephezulu yokuthengisa minyaka yonke, elinganiselwa ngaphezu kwamadola ayizigidigidi ezingama-2. Manje ngemuva kokukhuluma ngamadola neMelika, Kusho ukuthini iVisa ngeSpain? E-Europe kunamakhadi wesikweletu angaphezu kwezigidi ezingama-280, i-Visa debit, inezinga eliphakeme lokwamukelwa ezingeni lezimboni nelomhlaba jikelele. Ngo-2005 kuphela, imikhiqizo yeVisa yasetshenziselwa ukwenza ukuthengiselana kwemali ngokobuchwepheshe okuhlanganisa cishe u- € 1 trillion.

IVisa ivelele kakhulu emhlabeni wonke ngenxa yesikhundla sayo esiphambili embonini yezindlela zokukhokha zomhlaba kanye nenani elikhulu lamalungu (izikhungo zezezimali) ezihambisana nayo (ezingaphezu kwezinkulungwane ezingama-20).

IVisa isinikeza imikhiqizo ehamba phambili neyinqumayo, ekubeni ukulondeka nokukhululeka kokuphatha imali yethu, ukuthenga nokunyakaza kwezezimali, umkhiqizo omkhulu owehlukaniswa yiVisa. Ungaxhumana okuningi ngeVisa ekhasini layo elisemthethweni: https://www.visa.com.es/

Ake sikhulume nge-Mastercard

i-visa noma i-mastercard

I-Mastercard iyimboni evulekile yemali nezinsizakalo zezezimali. Yasungulwa e1966 nendlunkulu eNew York, e-United States.

Ukuba ngumkhiqizo wamakhadi wesikweletu nawasebhange. Lokhu ekuqaleni kwakwenziwe yi-United Bank yaseCalifornia, ngaphandle kwalokhu, ngezinhloso zamasu nezimakethe, yayihambisana nezinye izinhlangano zebhange ezifana neFirst Interstate Bank, California First Bank, Wells Fargo & Co neCrocker National Bank. Ngakho-ke ukwenza i-Mastercard inkampani ekhawulelwe yomphakathi efakwe kuhlu eNew York Stock Exchange.

Mayelana ne-PayPass

Una isici esisha sokukhokha esinikezwa yi-Mastercard, okususelwa ku-ISO 14443 yizinga elisemthethweni elihlinzeka ngamakhadi ngendlela elula yokukhokha, lokhu kwenziwa ngokusetshenziswa kocingo noma i-F.OB. noma umfundi wokugcina lapho ethengisa khona.

Kusukela ngo-2005, i-Mastercard isebenzise i-PayPass noma i-Payment Pass ezimakethe ezithile.

Ngo-2005, i-Mastercard yaqala ukusebenzisa izinsizakalo ezingaphandle kwe-PayPass ezimakethe ezithile. Kusukela ngoJulayi 2007, izikhungo ezilandelayo zezezimali zishicilele iphasikhodi yokukhokha ye-Mastercard:

  • JPMorgan Chase.
  • Kay Bank.
  • ICommonwealth Bank, uBanco Garanti
  • IMontreal Bank
  • ICitizens Bank kanye neCharter One Bank.
  • I-Citibank
  • Ibhange LaseMelika.

Phakathi kwabanye

I-BankNet, eqhutshwa yiMasterCard, inethiwekhi yezokuxhumana exhumanisa yonke iMasterCard credit, debit, acquisitions, process centres enesikhungo sokusebenzela eSt. Louis, Missouri, United States. Lesi sikhombimsebenzisi sathathelwa indawo ngumkhiqizo ophinde wasetshenziswa yi-MasterCard

I-MasterCard neVisa zinomehluko omkhulu Njengoba uhlelo lukaVisa lususelwa kunethiwekhi ye-Star, lapho wonke amaphuzu okuphela aphelela ezikhungweni zedatha, kule maphakathi konke ukucutshungulwa kuyacutshungulwa. Ngenkathi i-Mastercard isebenzisa imodi yontanga lapho konke ukuthengiselana kwayo kunqanyulwa ekugcineni. Lo mehluko wenza ukuthi uhlelo lwe-Mastercard lumelane ngokwengeziwe, uma kukhona ukwehluleka ekugcineni, luhlala lodwa futhi aluthinti uhlelo lonke noma ingxenye encane, lukhawulelwe ekugcineni kokugcina ngaphandle kokuthinta ezinye.

Yikuphi okungcono, i-Visa noma i-Mastercard

Manje, yikuphi okulungele wena? Ngabe iVisa ingcono? Mhlawumbe i-MasterCard? Impendulo iyinkimbinkimbi; Eqinisweni, asinakukutshela ukuthi enye ingcono kunenye ngoba konke kuzoncika kakhulu ekusebenziseni ofuna ukukunika kona, kuphrofayela yakho njengomthengi.

Ukukhetha eyodwa noma enye kuzonqunywa ngokwazi ukuthi yikuphi ukukhushulwa okuhlinzekwa yilowo nalowo, kanye nokwazi izidingo zakho. Isibonelo, uma kufanele usebenze emazweni amaningana, udinga ukwazi ukuthi ikhadi lamukelwa yini kuwo wonke, ngoba, njengoba sibonile, iVisa ayemukelwa emazweni amaningi njenge-Mastercard (futhi lokhu akusebenzi abe nama-ATM amaningi azosebenza naye).

Ngakho-ke, isinqumo sokugcina kufanele sizindiswe ngaso. Kufanele ubeke etafuleni ukusetshenziswa ongakunika lona, ​​kodwa futhi nezici zekhadi ngalinye nokukhushulwa elinalo, ngokuya ngamakhomishini, isilinganiso senzalo nezinye izici ezingakwenza ukhethe eyodwa noma enye.

Kuzwelonke, okusho ukuthi, eSpain, zombili lezi nezinye zinhle, futhi izimo abazinikezayo ziyefana kakhulu, ngakho-ke bekungeke kube nenkinga enkulu ekukhetheni. Mhlawumbe lapho ungaba nokungabaza okuningi kulapho uqhuba imisebenzi phesheya, esizokhuluma ngakho ngezansi.

Uyini umehluko phakathi kweVisa ne-Mastercard?

Ezikhathini eziningi, umsebenzisi waseSpain unentshisekelo kakhulu esikhungweni sezezimali esikhipha ikhadi, kungaba yisikweletu, imali edonswayo noma isikhwama se-elekthronikhi, lokhu ngoba kunokunikezwa okuningi, ukukhushulwa kanye namaphoyinti amahle njengoba abathengi besenza sikhethe okuningi ibhange elilodwa kunelinye. Futhi ngokwaziswa okuningi maqondana neVisa ne-Mastercard, umthengi ugcina edidekile maqondana nobuhle nobubi okutholwa yilokhu lapho ethola ikhadi elikhishwe kunoma iyiphi yalezi zinhlelo zokucubungula izinkokhelo.

IVisa neMasterCard, womabili angamaprosesa wokukhokha amakhadi wesikweletu nawasebhange aziwa kakhulu futhi asetshenziswa emhlabeni wonke kusukela ngo-2010, ngokuya ngezibalo zokusakazwa kwe- amakhadi wesikweletu nawebhukumali yalezi zimboni. IVisa ne-MasterCard ngokusobala banikela ngenkonzo efanayo (inqubo yokukhokha ikhadi lesikweletu / ledebhithi) kepha banikela ngezinzuzo nezici ezahlukahlukene ukuze bahehe amanye amabhange nabathengi (abasebenzisi besikweletu, bedebhithi nabakwa-e-wallet) kumikhiqizo yabo.

Okubalulekile okufanele ukubheke njengomsebenzisi noma umnikazi wekhadi ukuthi iVisa ne-MasterCard akuzona amabhange, umkhiqizo abaluleke ngawo emhlabeni wezezimali ubuchwepheshe Ngubani ongazizwa engavikelekile lapho ekhokhela umkhiqizo noma insiza ku-intanethi? Ngabe bayangikhumula? Ngabe lokhu kuzophepha? Kungani ubuza inombolo yami yekhadi izikhathi eziningi kangaka? Ngazi kanjani ukuthi ikhasi engikulo liphephile? Kepha ungakhathazeki, zombili izinkampani ziphephile, ziluthathela phezulu kakhulu udaba lwezokuphepha nobumfihlo. Ngisho nasekuthengweni kwe-inthanethi, womabili amapulatifomu asekela ngokuphepha izinhlobo ezithile kuphela zamakhasi futhi ungabheka ukuthi banophawu lokuphepha lwalezi ezimbili, kungaba yiVisa noma i-MasterCard.

Ngaphezu kwalokho, kunezinye okufanele uzicabangele:

  • Ukusabalala emhlabeni wonke ezikhungweni. IVisa yamukelwa ezindaweni zokuhweba eziyizigidi ezingama-30 emhlabeni wonke, kanti i-MasterCard izikhungo ezingaphezu kwezigidi ezingama-24 emhlabeni jikelele. Akunjalo ngokuphelele uma siyihlaziya ngokulandelayo.
  • Ukusabalala emhlabeni wonke. IVisa yamukelwa emazweni we-170 ngenkathi i-MasterCard yamukelwa emazweni angama-210. Uma uhambela amaningi ala mazwe angayamukeli iVisa, ungahle ukhethe ukuhlala ne-MasterCard, uma unomsebenzi edolobheni lakho futhi ungajwayele ukuhamba kakhulu noma ube nezinhlelo zesikhathi esizayo zokuya phesheya, kungaba ngcono ukuze uhlale neVisa nenani elikhulu lezikhungo ezikhona.
  • Ukusebenza nama-ATM. IVisa ihamba phambili ngokusebenzisa ama-ATM angaphezu kwezigidi ezimbili emhlabeni jikelele, i-MasterCard isebenza ama-ATM ayisigidi kuphela emhlabeni jikelele. Ubuhle noma ububi buxhomeke futhi kumsebenzisi, wagcina nini ukukhipha imali? Uthengisa kangaki ku-inthanethi? Ngabe kunesidingo sokuya kocashier? Masikhumbule ukuthi ikusasa lemakethe yi-E-Commerce, izitolo eziningi zezimpahla nezinsizakalo zikhokhisa ikhadi lakho ngqo, kepha mhlawumbe lezo zitolo zezimpahla nezinsizakalo ozihambela njengomthengi azifiki edolobheni lakho, inani elula ukwenza.
  • Ngokuqinisekile unesithakazelo. IVisa inensizakalo ebizwa nge-Verified by Visa esebenzisa iphasiwedi echazwe ngesikhathi uthenga online kulelinye lamabhizinisi nezikhungo ezihambisana neVisa. I-MasterCard isebenzisa i-MasterCard Secure Code, okuyiphasiwedi ephelele ekhiqizwa lapho ufuna ukuthenga nge-inthanethi nabathengisi nezikhungo ezihambisana ne-MasterCard. Bobabili bahamba phambili kulo mncintiswano, okuyinkinga evuna i-MasterCard uhlelo lwayo lokucubungula idatha, ngoba iVisa isebenzisa ukucubungula izinkanyezi futhi lokho kwenza amaphuzu amaningi wokukhishwa kwedatha angathola ukuhlaselwa kube sengozini kakhulu, lokhu akusho ukuthi iMasterCard iyakushaya indiva lokhu kuhlaselwa noma iphuzu lokuba sengozini kodwa i-MasterCard inohlelo lokucubungula idatha uma iphuzu lokukhishwa lisengozini, leli phuzu lihlukanisiwe futhi yonke inethiwekhi ihlala izinzile.

Yikuphi okumele ukhethe? Kuya ngohlobo lwekhasimende oyilo, izidingo onazo nendlela ophatha ngayo imali yakho.

IVisa noma i-Mastercard phesheya

Uma kwenzeka wenza imisebenzi phesheya, noma uhlala phesheya, kungahle kube nomehluko phakathi kokusebenzisa eyodwa noma enye. Ngokuyisisekelo lokhu kuzobhekisa kuzikhungo ezamukela enye nenye. Lokho wukuthi, kungenzeka ukuthi kunezitolo ezingayemukeli iVisa kepha i-Mastercard, noma okuphambene nalokho.

Singakwazi futhi ukusetha inethiwekhi ye-ATM, kepha uma sibheka ukuthi kuyajwayeleka ukukhokha nge-Intanethi ngaphandle kwesidingo sokukhokha "ubuso nobuso", noma ngemali, lokhu bekungeke kube yinkinga enjalo.

Ngamafuphi, sikhuluma ngesinqumo esizokwenza kuncike kakhulu ezindaweni lapho kufanele wenze khona ukuthengiselana ukwazi ukuthi i-Visa noma i-Mastercard phesheya ingcono yini. Uma izikhungo eziningi zamukela uhlobo oluthile, kuzofanele ulithole lelo khadi; Ngakolunye uhlangothi, uma zombili zamukelwa, lapha kuzoncika ekukhushulweni abakunikeza ukuthi ukhethe okukodwa noma okunye. Vele, khumbula ukuthi, kwesinye isikhathi, amabhange awakubuzi uhlobo lwekhadi, uma kuzoba yiVisa noma i-Mastercard, ngoba bavame ukukwenza ngokuzenzakalela (kepha kungenzeka ukuthi banezinketho zombili).

Uyini umehluko phakathi kwekhadi lesikweletu nedebhithi?

Ukuqeda, Kufanele wazi ukuthi ikhadi lesikweletu yilo lapho ibhange "likuboleka" imali ozobe usubuyisa yona. Inani limiswa ngesikhathi sokuliqasha, futhi lizonqunywa ngeholo lakho nesimo somsebenzi. Kuyathakazelisa uma unezindleko ezingalindelekile, kepha akunconywa kulabo abanenkinga yokulawula ukonga kwabo, ngoba banesibopho sokubuyisa lokho okuchithiwe kanye nenzalo.

I-athikili ehlobene:
Umehluko phakathi kwekhadi lesikweletu nedebhithi

Amakhadi edebithi, ngakolunye uhlangothi, yiwo akuvumela ukuthi usebenzise imali onayo kwi-akhawunti yakho yasebhange kuphela ngaphandle kwenkokhiso uma ithathwa ebhange okuyikhadi elikuyo. Ngakho-ke, unokulawula okungcono izindleko zakho.

Sekukonke, sinethemba lokuthi sikusizile ukuthi unqume ukuthi uzokhipha i-VISA noma i-Mastercard.


Okuqukethwe yi-athikili kunamathela ezimisweni zethu ze izimiso zokuhlelela. Ukubika iphutha chofoza lapha.

Amazwana ayi-2, shiya okwakho

Shiya umbono wakho

Ikheli lakho le ngeke ishicilelwe. Ezidingekayo ibhalwe nge *

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  1. Ubhekele imininingwane: Miguel Ángel Gatón
  2. Inhloso yedatha: Lawula Ugaxekile, ukuphathwa kwamazwana.
  3. Ukusemthethweni: Imvume yakho
  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

  1.   Alfredo kusho

    Ngincamela i-mastercard yamabhizinisi athile aphesheya kanye ne-visa yabantu bendawo.

  2.   UJawer kusho

    Sawubona ntambama, ngifuna ikhadi, kepha angikaze ngihambele noma okokuqala ngaphesheya, kuyisifiso sami futhi ngicabanga ngekusasa futhi kungekudala njengomndeni wami, izingane, unkosikazi nabanye, kepha angazi ukuthi iyiphi khetha