Buyekeza: Konke odinga ukukwazi ngePaysera Bank, ukudlulisa imali online (2022)

IPaysera Bank: Nge-Paysera ungakwazi kalula thumela imali komunye umsebenzisi wePaysera mahhala, uphinde uthole imali engu-1% emuva uma uthenga usebenzisa ikhadi le-Paysera Visa ezindaweni zokuthengisa nasezitolo eziku-inthanethi emhlabeni jikelele.

IPaysera yimpendulo yaseMpumalanga Yurophu kuma-akhawunti angenamngcele. Ngaphandle kwamandla ayo, noma kunjalo, kunezinsizakalo ezishibhile.

Kulesi sihloko, sikunikeza ifayela eliphelele le- konke ngePaysera Bank, okunikezwayo, Amakhadi nezimali zesevisi, izinto okufanele uzazi ngaphambi kokudala i-akhawunti entsha.

Konke odinga ukukwazi ngePaysera Bank, ukudlulisa imali online (2022)

Paysera Wiki

Ihlelo	IPaysera Ltd.
Amanye Amagama	IPaysera Bank, iPaysera
CEO	UVytenis Morkūnas
Ihhovisi elikhulu	Bulgaria
ikheli	UMėnulio g. 7 Vilnius 04326 eLithuania
Inkonzo yamakhasimende	+44 20 8099 6963 (UK) support@paysera.com
Isivinini sokudlulisa	Izinsuku ezi-3 - 5
Zezimali	30
Iwebhusayithi	Vakashela uPaysera
Uhlelo lokusebenza lweselula	Android, iOS

I-athikili ibuyekezwe ngoFebhuwari 2022

Ukubhala izibuyekezo.tn

Inkampani yePaysera: Umlando Nesethulo

Isungulwe e2004 eLithuania, UPaysera uhlinzeka ngezinsizakalo zokukhokha emazweni angama-184 futhi inenethiwekhi yamabhange abalingani abangama-50. Ngaphezu kokudluliswa kwemali, uPaysera uphinde anikeze ngezinsizakalo zokusiza amabhizinisi ukuphatha imali nokuthola izinkokhelo online online emhlabeni.

Kusukela lapho isevisi ikhulile futhi manje inabasebenzi abangaphezu kwekhulu, njengoba iqhubeka nokuthuthukisa ubuchwepheshe bayo, kufaka phakathi ipulatifomu eku-inthanethi nohlelo lokusebenza lweselula. Le nsizakalo iphinde yamukelwa yizikhungo eziningi zamabhange, njenge-SEPA Instant Payment System, futhi umkhiqizo wayo manje uhlanganisa ukukhishwa kwezinombolo ze-IBAN namakhadi asebhange.

Le nkonzo uqobo lwayo, namuhla emele ama-euro ayizigidi eziyizinkulungwane ezingama-3,6 ekudlulisweni ngonyaka, isizophela.

Kusukela ngo-2015, imisebenzi kaPaysera yansuku zonke ibiphethwe ngu UVytenis Morkūnas njenge-CEO. Ijoyinwa yibhodi labaqondisi elenziwe ngabasunguli bokuqala abathathu kanye noRolandas Razma. Ngaphakathi kwethimba labaphathi, uRūta Šeštokaitė ubhekele ukumaketha kanti uSarunas Krivickas ubamba iqhaza elibalulekile leChief Security Security Officer. UMartynas Dabulisa ubesenesikhathi eside esebenza nalo msebenzi futhi manje uyiNhloko Yezentengiso (Ezebhizinisi).

IPaysera isebenza emazweni angaphezu kuka-180: angama-48 eYurophu, angama-55 e-Asia nase-Oceania, angama-47 e-Afrika nangu-34 emazweni aseMelika.

Amakhasimende abonakala emthanda futhi ezonda uPaysera. Izikhalazo eziningi ziphathelene nama-akhawunti afriziwe noma avinjelwe ngaphandle kwesizathu, kulandelwa ukuntuleka kokwesekwa kwamakhasimende.

Abanye baze bahambe baze babize inkampani “ngomkhonyovu”. Kodwa-ke, ama-53% we Ukubuyekezwa kweTrustPilot yizinkanyezi ezi-5, ngezibuyekezo ezibiza ngokuthi "zithembekile" futhi zincoma ukwesekwa kwamakhasimende ayo.

Inkampani enolwazi kakhulu inikezela ngephothifoliyo ebanzi yezinsizakalo zemali ezisebenza ngogesi. Lezi zinsizakalo zifaka:

• Ama-akhawunti emali yakwamanye amazwe wokuthengiselana kwamabhange nsuku zonke
• Ikhadi lasebhange (elikhokhelwa kuqala) lezinkokhelo zansuku zonke
• Ukudluliselwa kwebhange lomhlaba wonke okusheshayo nokushibhile
• Izinga lokushintshanisa elihle kakhulu (kusekelwe izinhlobo zemali eziyikhulu ezingama-31)
• Isango lokukhokha lezitolo eziku-inthanethi
• Insizakalo yokukhokha nge-elekthronikhi yamaphoyinti okuthengisa (izitolo zangempela)

Futhi ukuthola: Konke mayelana neRevolut, ikhadi lasebhange ne-akhawunti esetshenziswa izigidi zabantu

Uyithumela kanjani imali yePaysera?

Okokuqala, udinga ukubhalisa ukuze uthole i-akhawunti yamahhala ye-Paysera online noma nge-his uhlelo lokusebenza leselula. Uzodinga ukuhlinzeka ngezwe lakho ohlala kulo, ikheli le-imeyili, igama kanye nenombolo yocingo.

Uma usunayo i-akhawunti, ufaka inani ofuna ukulithumela bese ugcwalisa i-akhawunti yakho yasebhange yomamukeli noma i-akhawunti yomuntu siqu yePaysera.

Ukuthumela imali ngePaysera kuyashesha futhi kulula.

Ungakhokhela ukudluliswa kwakho ngokusebenzisa i- i-akhawunti yasebhange noma ngokukhokha nomunye wabalingani be-Paysera POS emhlabeni jikelele. Umamukeli wakho uzothola izimali kungakapheli imizuzu kuya ezinsukwini ezintathu zebhizinisi, kuya ngemininingwane yokuthengiselana kwakho.

Ungasifaka kanjani isicelo sekhadi le-Paysera Visa?

Ukufaka isicelo sekhadi le-visa le-Paysera, mane ulandele lezi zinyathelo ezilandelayo:

1. Ngena kuwebhusayithi yePaysera bese uya ekhasini I-Paysera Visa
2. Ikhasi lesicelo sekhadi le-visa liyaboniswa, chofoza ku Oda ikhadi, ekupheleni kwekhasi
3. Gcwalisa ifomu lesicelo sekhadi le-visa, bese khetha uhlobo lokulethwa (izindleko zokuposa: € 2, noma ukuposa okusheshayo € 4) bese uqinisekisa ifomu.
4. Isinyathelo sokugcina ukubuyekeza idatha nokuqinisekisa noma ukuguqula imininingwane.

QAPHELA: Qiniseka ukuthi ugcwalisa inkambu yekheli ngesiNgisi, ngaphandle kwalokho inkampani ngeke isiqinisekise isicelo sakho.

Yiziphi izinhlobo zokudluliswa engingakuthumela ngePaysera?

ongakwenza yenza ukudluliselwa ngezikhathi ezithile noPaysera. UPaysera uphinde anikeze izinketho zokukhokha zamabhizinisi aphesheya ezitolo ze-e kanye nezinhlelo zokuthengisa ezithengiswayo.

• Ukudluliswa kwemali yomuntu siqu
  • Ukudluliselwa ngezikhathi ezithile
• Ama-akhawunti ochwepheshe
  • Izinkokhelo nge-mobile point-of-sale kanye nezinhlelo zezitolo eziku-inthanethi: Sebenzisa uhlelo lokukhokha olulula lukaPaysera ngamanani okuthengiswa nokuhanjiswa ngokomzimba ngekhadi le-Paysera Visa.
  • Ukunikezwa ithikithi lomcimbi: Thengisa amathikithi omcimbi. Dala, phatha futhi uhlele umcimbi wakho noma kunini.
  • Izinkokhelo zenqwaba: Yenza izinkokhelo zenqwaba yesikhathi sangempela nge-Paysera API.

I-Paysera ilungele kakhulu:

• Ukudluliselwa kwePaysera: Ukudluliswa kwemali phakathi kwabasebenzisi bePaysera kumahhala.
• i-e-shop yebhizinisi: Thola izinkokhelo ezivela kumakhasimende akho ku-intanethi.
• Ukunikezwa ithikithi lomcimbi: Thengisa amathikithi omcimbi. Dala, phatha futhi uhlele umcimbi wakho noma kunini.

Ungashintsha futhi lezi zimali ezilandelayo nge-Paysera:

• I-USD (US Dollar)
• I-RUB (ruble yaseRussia)
• I-DKK (krone yaseDenmark)
• I-PLN (Polish Zloty)
• I-NOK (i-krone yaseNorway)
• I-GBP (i-British Pound)
• SEK (umqhele waseSweden)
• I-CZK (Czech Republic, umqhele)
• I-AUD (Australian Dollar)
• I-CHF (Swiss Franc)
• I-JPY (Japanese Yen)
• I-CAD (idola laseCanada)
• I-HUF (Forint Hungarian)
• I-RON (Romanian Leu)
• I-BGN (Bulgarian Lev)
• I-GEL (Georgian Lari)
• Lira (Turkish Lira)
• I-HRK (kuna Croatian)
• I-CNY (Chinese Yuan)
• I-KZT (Kazakhstani Tenge)
• I-NZD (New Zealand Dollar)
• I-HKD (Hong Kong Dollar)
• I-INR (Indian Rupee)
• I-ILS (Israeli New Sheqel)
• I-MXN (Peso Mexican)
• I-ZAR (iRandi laseNingizimu Afrika)
• I-RSD (idinar yaseSerbia)
• I-SGD (Singapore Dollar)
• I-BYN (ruble yaseBelarusian)
• I-THB (i-baht yase-Thai)

Imikhawulo: Ngingathumela malini ngePaysera?

UPaysera unikela ngamazinga amane walokho akubiza ngokuthi “ukuhlonza,” okunquma ukuthi ungadlulisa malini ngosuku, ngenyanga, nangonyaka. Ungangena emazingeni aphezulu nganoma yisiphi isikhathi futhi mahhala, kepha kuzodingeka unikeze imininingwane eyengeziwe.

• Ileveli 1: Shintsha izimali, wenze ukudluliswa kwangaphakathi kwePaysera futhi uthenge ku-inthanethi nge-akhawunti yakho kuze kufike kuma-euro angama-30 ngosuku, ama-euro angama-740 ngenyanga kanye nama-euro ayizi-2.500 XNUMX ngonyaka.
• Ileveli 2: Ngaphezu kwezinsizakalo zeleveli 1, dlulisela emabhange kuze kufike kunani lokushintshaniswa kwamanye amazwe lama-euro angama-370 ngosuku, ama-euro ayi-1 ngenyanga kanye nama-110 2 euros ngonyaka.
• Ileveli 3: Ngaphezu kwezinsizakalo zeleveli 2, engeza amathuba okuvula ikhadi leVisa Paysera noma i-akhawunti yebhizinisi, udlulisele kuma-akhawunti aphesheya futhi uxhase i-e-commerce efinyelela kuma-1 euros ngosuku, 480 euros ngenyanga kanye nama-euro ayi-1 ngonyaka.
• Ileveli 4: Sebenzisa amasevisi ahlinzekwa kuwo wonke amazinga ngaphandle komkhawulo wemali ongayithumela noma uyithole.

I-akhawunti yasebhange ye-PaySera

I-PaySera inikeza abasebenzisi bayo ama-akhawunti asebhange ngaphakathi kohlelo lwe-SEPA anenombolo ye-IBAN.

Njengoba iLithuania iyizwe le-EU ngakho-ke ixhunywe ohlelweni lwe-SEPA, konke ukudluliselwa okungenayo nokuphumayo kwamanye amazwe e-EU kumahhala.

Ngakho-ke ungasebenzisa i-akhawunti ye-Paysera ngaphandle kwenkokhiso noma imali yokugcinwa kwe-akhawunti uma uyisebenzisa ngokuphelele online. Yilapho kuphela uthenga ikhadi lesikweletu le-Paysera, isibonelo, lapho izimali zikhokhwa khona empeleni, futhi noma kunjalo izimali ziphansi impela. Isibonelo, ikhadi lesikweletu lizothunyelwa ekhelini olikhethayo ngo- € 3,00 emhlabeni wonke.

Ngaphezu kwalokho: Uma unezinkinga noma uma ungenayo i-akhawunti yasebhange ezweni lakini, ngokwesibonelo ngenxa yokubhaliswa ne-SCHUFA eJalimane noma ngenye indlela, akunankinga: ngePaysera uthola i-akhawunti yasebhange akunankinga.

Uma une-akhawunti yasebhange ne-Paysera, une-akhawunti yasebhange yaseLithuania, okusho ukuthi uzimele kakhulu ezweni lakho, amabhange ezwe lakho, nokufinyelela neziphathimandla kwezwe lakho.

NgePaysera, unayo i-akhawunti yezimali eziningi, okusho ukuthi ungathola izimali eziningi zomhlaba kwi-akhawunti yakho futhi uzishintshanise ngemali ephansi kakhulu. Imali ekhokhwa yibhange ebonakalayo iphansi kakhulu kunezimali zokushintshisana ezikhokhiswa ngamabhange wendabuko noma amahhovisi wokushintshanisa.

I-Paysera Bank: Izici, Ukuhlolwa nokubuyekezwa

Amanani wokushintshisana nezindleko zensizakalo

Ngaphambi kokuzibophezela ekusebenziseni isevisi yokudlulisa imali, kubalulekile ukuqonda imodeli yebhizinisi lakho.

Kalula nje, ibhizinisi elifana nePaysera livame ukudala imali ngezindlela ezimbili. Okokuqala, angakhokhisa izimali zokwenziwe ngokwenziwa kokudluliswa ngakunye.

Okwesibili, futhi thatha imajini esilinganisweni sokushintshisana inikezwe amakhasimende ayo, abizwa nangokuthi “ukusabalala”, okuwumehluko phakathi kwesilinganiso sokushintshana semakethe esidayisa yonke impahla (okusho isilinganiso se-interbank) nesilinganiso sokushintshisana esinikezwa ikhasimende.

Uma uqhathanisa amanani entengo kaPaysera nawamabhange endabuko, inkampani yenza kangcono kancane. Amabhange ngokuvamile akhokhisa imali ephezulu yokuthengiselana kanye ne-5% margin kunani eliphelele lokudluliswa. IPaysera, ngakolunye uhlangothi, i-invoyisi ikhomishini engu-7 € futhi inikela ngamanani okushintshana athe xaxa kancane kunalawo asebhange lendabuko : ngokwesilinganiso phakathi kuka-5,41% wenani eliphelele elidluliselwe amanani amancane (£ 1), kanye no-000% ngamanani aphezulu (£ 3,24).

Uma uqhathanisa iPaysera nezinye izinsizakalo zokudluliswa kwemali ezikhethekile, kubukeka kungathandeki kangako. Yize izinkampani zithanda I-TransferWise ne-CurrencyFair azithathi imajini kunani lokudluliswat futhi esikhundleni salokho banikeze amakhasimende abo isilinganiso semakethe emaphakathi, bakhokhisa imali ephakeme ukunxephezela - cishe u-0,50% wenani lokudlulisa.

Njengesibonelo, ake siqhathanise iPaysera nomncintiswano wayo lapho idlulisa kusuka eBritish Pound (GBP) iye kumaDollar ase-Australia (AUD):

Izikhungo	£ 1,000	£ 10,000	Izindleko ezimaphakathi
Ibhange elijwayelekile	$ 1,665	$ 16,876	5.52%
Dlulisa amehloKhetha	$ 1,769	$ 17,714	0.46%
UmhlabaOkuqala	$ 1,745	$ 17,545	1.48%
I-Paysera	$ 1,682	$ 17,022	4.32%

Izimali ezisekelwayo

IPaysera bank isekela ukudluliswa kwezimali ezingama-30, ezimele insizakalo ephelele yamazwe angaba ngu-180. Ngokwengxenye enkulu, inkampani yenza kube lula ukudluliswa kwayo ngenethiwekhi yasebhange ye-SWIFT, iyivumele ukuthi ihambise izimali ekukhetheni izindawo ezibalulekile. Okubi ngale nethiwekhi ukuthi kuvame ukuba nezindleko ezitholwe ngumamukeli, iPaysera enamandla amancane phezu kwazo.

I-Paysera ayinalo inani lokudlulisa elincane. Yize inkampani ikulungele ukwenza ukudluliselwa cishe kwanoma yisiphi isayizi, ipulatifomu yayo eku-inthanethi ingabeka imingcele kwabanye abasebenzisi. Ngokuya ngezilungiselelo ezisetshenziswe ku-akhawunti yakho, umkhawulo ophelele ungasebenza kunani eliphakeme elingadluliselwa usuku ngalunye, inyanga noma unyaka. Le mikhawulo ingasuswa ngezinqubo ezingeziwe zokuqinisekisa ubunikazi.

Isivinini sokudlulisa imali ebhange iPaysera

Isivinini sokudluliswa kokudluliswa okujwayelekile ngePaysera sincike ezintweni eziningana, kufaka phakathi imali oyithumelayo, ibhange elisetshenzisiwe kanye nenani lomsebenzi.

Ngobuningi bamabhangqa emali, kuthatha phakathi kwezinsuku ezi-3 nezingu-5 ukuthi izimali ezidlulisiwe zifinyelele ku-akhawunti yomamukeli, kungafaki isikhathi esithathayo sokudlulisela izimali zakho kwi-akhawunti yendawo kaPaysera.

Okuhlangenwe nakho komsebenzisi

Design

Isayithi le-Paysera lenzelwe ngokucophelela, ngokubhekisisa kakhulu ulwazi lomsebenzisi nokulula. Itholakala ngezilimi eziyi-8: isiNgisi, isiBulgaria, isiJalimane, isiLatvia, isiLithuania, isiPolish, isiRashiya neSpanishi. Ngaphezu kwepulatifomu yayo eku-inthanethi, iPaysera iphinde yathuthukisa izinhlelo zokusebenza zeselula zamadivayisi we-Apple ne-Android.

Ukubhalwa

Inqubo yokubhalisa iqonde ngqo. Uqala ngokufaka i-imeyili yakho, iphasiwedi kanye nohlobo lwe-akhawunti oyifunayo, ngaphambi kokunikeza imininingwane ebalulekile yokuxhumana efana negama lakho nenombolo yakho yocingo. Yonke le nqubo ithatha cishe imizuzu emihlanu.

Ubunikazi

Ngaphambi kokuthi uqale ukudlulisa izimali, kufanele uqale unikeze ubufakazi bokuthi ungubani ukuze uPaysera akwazi ukuqinisekisa i-akhawunti yakho. I-ID yesithombe iyadingeka, njengephasiphothi noma ilayisense yokushayela.

Lokhu kuzokuvumela ukuthi udlulisele ku- € 6 ngenyanga isiyonke. Uma ufuna ukususa umkhawulo ekudlulisweni, noma ngabe kuyinkokhelo eyodwa noma yomhlaba, udinga ukwenza ukuqinisekiswa kwe-akhawunti yocingo lwe-Skype.

Ukufunda futhi: Konke odinga ukukwazi ngeSkrill ukuthumela imali phesheya

IPaysera Bank: Isinqumo nezibuyekezo

IPaysera ihlose ukuba enye indlela yokubhanga kulabo abenza ukuthengiselana kwemingcele. Yize ilungele ukusetshenziswa ngawodwana, umnyombo womkhiqizo wayo uhloselwe osomabhizinisi nabasebenzisi abangochwepheshe.

Ihlanganisa izici ezithokozisayo nezisebenzisekayo, kuhlanganiswa indlela ye-akhawunti yezimali eziningi nezinsizakalo zokudlulisa imali nekhadi lasebhange. Akungabazeki ukuthi izinsizakalo zakhe zizokwamukelwa kahle ngabaningi, ikakhulukazi eMpumalanga Yurophu.

Kodwa-ke, naphezu kwazo zonke izithembiso zayo, insizakalo inezithiyo ezithile ezisobala. Isakhiwo sazo sentengo sezinkampani mhlawumbe siyinkimbinkimbi kakhulu kunalokho okudingeka ukuba sibe yiso, futhi amazinga okushintshaniswa kwawo akude kakhulu nabanye izimbangi kule ndawo.

• izinzuzo:
  • Ikhadi lasebhange lingaxhunywa ku-akhawunti yakho
  • Awukho umkhawulo wokudlulisa (ngemuva kokuqinisekisa ubunikazi)
  • Uhlelo lokusebenza lweselula olwenziwe kahle
• nebubi
  • Kungenzeka imithwalo engalindelekile evela kunethiwekhi ye-SWIFT
  • Amabhizinisi athola imali yokuphatha nyangazonke yokuphatha i-akhawunti yabo
  • Izilinganiso zokushintshaniswa azihlali zincintisana

Uma ufuna ukukhulisa inani olitholayo kusuka ekudlulisweni komhlaba jikelele, uzosizakala kangcono ngokubheka i-CurrencyFair noma i-TransferWise. Uma ufuna i-akhawunti yezimali eziningi, iWorldFirst noma i-OFX mhlawumbe iyisixazululo sakho.

IPaysera iyindlela ephephile, engabizi, futhi elula yokwenza izinkokhelo nokuthumela noma ukwamukela imali online. Nge-akhawunti ye-Paysera IBAN, ungadlulisa imali ngokushesha futhi kalula ngezimali eziningi ezahlukahlukene emhlabeni jikelele.

Ukubuyekezwa kwePaysera

Ukuthola ezinye izindlela ezingezona zePaysera, siphakamisa ukuthi uthinte indatshana yethu ukuqhathanisa amabhange amahle kakhulu aku-inthanethi eYurophu nokuhlolwa kwethu okugcwele ku Ibhange leRevolut et Ibhange Leposi.

Ukufunda futhi: Izinsizakalo ezi-3 ezihamba phambili zokuthenga i-Dogecoin nge-Euro & Imaphi amabhange ashibhe kakhulu eFrance?

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