Visa and Mastercard inkqubo eRashiya. Inkcazelo iinkqubo zentlawulo Visa and Mastercard

inkqubo yentlawulo - izixhobo eziqhelekileyo kunye namacebo esetyenziselwa ukuthumela imali, iintlawulo kunye namatyala zolawulo phakathi nxaxheba ingeniso kwezoqoqosho. Kumazwe amaninzi, zahluke kakhulu enye kwenye ngenxa kwizithuba ahlukeneyo amanqanaba uphuhliso loqoqosho kunye neempawu ze-mthetho zebhanki.

Ezahlukahlukeneyo iinkqubo zentlawulo

Zonke iinkqubo zentlawulo zohlulwa ngokwendidi ezimbini: zalapha nezamazwe ngamazwe.

• Uhlobo lokuqala Visa kunye MasterCard, isidlo sangokuhlwa Club kunye American Express.
• Uhlobo lwesibini yi "Sberkard" (amakhadi ziyamkeleka kuphela kwi "Savings Bank" kunye nemibutho neqabane), Union Card, NPS kunye nabanye.

Iwonga eliphezulu entlanganweni zokuhlala, ngoko iimveliso zayo yamkelwe kwiindawo ezininzi. Ngokuqhelekileyo, uhlobo inkqubo yentlawulo ayichaphazeli iindleko ezongezelelweyo ikhadi elo. Ngenxa yoko, Visa kunye Mastercard - ukukhetha ntoni?

inkqubo Payment Visa

Visa International Service Association - intlawulo ehamba inkqubo yehlabathi, ngokusekelwe kwi-dollar, ngoko yonke imisebenzi ukuguqulela lwemali udlula kuyo. Okona kuphambili kule umsebenzi nkampani inikwa uphuhliso imarike ikhadi lamatyala. Ingeniso butho malunga 4.8 ezigidi zeerandi ngonyaka. Le nkqubo idweliswe kwi-30 lezigidi ngemiyinge emincinci kunye neenkonzo kumazwe angaphezu kwama-200 ehlabathini lonke. Inceda-ATM million emhlabeni. Inani lamaziko ukuba amalungu nkqubo, kwisixa bubalaselayo million 20. Loo Bonisa inkampani iye ngaphezu kwe-50% ye-nengeniso kwemali kumaziko intlawulo ehlabathini lonke. Inani amakhadi ezikhutshwe yi malunga 2 billion ziingceba. Kumazwe Western, POS-ezinjengeetheminali zifumaneka phantse zonke iivenkile ezinkulu zokutyela. Ne ikhadi Bonisa kunye mali ngetyala okanye i-akhawunti debit non-zero, umntu okuhlawulela iimpahla neenkonzo ezingezizo-mali, Kakade ke, ngokuxhomekeke kwinqanaba eyimfuneko izixhobo yebhanki. Izinto eziluncedo ze-nkqubo:

• ukufikelela kule mali ngeenxa kwewotshi naphi na apha ehlabathini, kwakunye nge-intanethi;
• kungenzeka ukuba athuthe lwemali kwimida, ngaphandle kokuya inkqubo amasiko declaration;
• ngomzuzwana ndayihluthwa myalelo, Ukutsalwa ikhadi (ukuba ufuna ukwenza izibalo kwi POS-terminal) emhlabeni;
• ukukwazi ukutshintshela iimali ezithile imali kwi-akhawunti, kunye nezinye iinkonzo ezininzi.

Visa kwi kwimarike zebhanki Russian

Kule minyaka ilishumi idlulileyo Visa kwimarike inkonzo eRashiya wayengomnye sezona ziquququ. amakhadi Salary babe abasebenzi ezininzi iinkampani nemibutho, njengokuba uhlobo lwentlawulo non-cash kuya eyamkelekileyo ngakumbi kwaye ibe zezinqwenelekayo. Namhlanje kwi kummandla Russian Federation phantse kungenakwenzeka ukuba nomfanekiso nayiphi na ivenkile ezinkulu okanye isikhululo imoto womserbia ngaphandle POS-ezinjengeetheminali ekwaziyo kokufumana intlawulo non-cash indlela yokuhlawula yenkampani.

inkqubo yentlawulo MasterCard

MasterCard International - inkqubo yentlawulo yamazwe ngamazwe, nto leyo ezisa kunye amaziko ezemali ngaphezu amabini amawaka kumazwe abangaphezu kwamakhulu amabini. Eyona eziphambili Iinjongo ze nkampani:

• iimfuno Intlawulo yenkonzo lwamaqumrhu zomzimba esemthethweni;
• iinkqubo kunikezelo khadi, apho kuthengiswa phantsi brand MasterCard, Maestro kunye kagesi.

Okona kuphambili kwicala lophuhliso kwi langoku nqanaba ziintlawulo elektroniki kwi-Internet.

Ngowe-1966, inani kweebhanki baseUnited States utyikitye isivumelwano injongo egama ekudalweni Overnight Card Association. Sele 1968 inkampani baqalisa ukusebenzisana nenkqubo yentlawulo Eurocard le. kanye Igama MasterCard evunyiweyo kuphela ngo-1979 Ngo-1980, lo mbutho uye uthathe indawo ephambili kwimarike yehlabathi - inani amakhadi ezikhutshiweyo ifikelele 55 million. Ngo 2006 inkqubo th ithathwa njengenye yezona olusebenzayo noluthembakeleyo. Ngaphezu kwama-25% of amakhadi ebhanki ehlabathini kuba kwinkampani. Ngoku MasterCard ngonyaka wenziwe ngaphezulu kwama-23 ezigidi iintengiselwano.

Kukho inkonzo ekhethekileyo abasebenzisi ikhadi - mobile MasterCard izicelo ozithandayo - ifowuni ikuvumela ukuba ukujonga ingcaciso yakutshanje.

MasterCard system eRussia

Ukusetyenziswa kwe MasterCard kwi Russian Federation kuya iqina ngakumbi ngonyaka ngamnye. Russia uthathwa ukuba esithembisayo ukwandiswa karhulumente kunye ezisebenzayo nophuhliso inkqubo yentlawulo yelizwe elo. Kule minyaka imbalwa idlulileyo, MasterCard akanayo ukwahlukana ebalulekileyo ukusuka iinkampani phambili kwicandelo yentlawulo non-cash - Visa. 38.5% amakhadi zeplastiki eRashiya zezethu kwimarike MasterCard. Inani lilonke kubo - malunga 27 million iikopi. Nge MasterCard sibambisane "Savings Bank", "TrasKreditBank", "Masterbank" yaye "Standard Russian".

MasterCard and iintlawulo ngekhompyutha

Ngo-2013, isixa iintlawulo online kwinkqubo MasterCard liye landa nge-25%. inani abasebenzisi uvukile, ngubani wavakalisa injongo yabo ukuthenga amakhadi lokuhlawula intanethi. Ngokuqinisekileyo ukuqhubeka ekuphuhliseni uluhlu lweenkonzo ezinikezelwa kolu shishino. Ulawulo Le nkampani uceba ukwenza inkonzo yayo (PayPass Wallet) njenge isipaji elektroniki. ukuphunyezwa kwayo ukuza kuthi ga ezicwangcisiweyo kuphela, kodwa kwimithombo emininzi Internet sele lowu injongo yayo ukuhlawula ukudibanisa iziza usebenzisa olu hlobo ukubala.

Ungayifumana njani le amakhadi zebhanki ngamazwe kwinkqubo yentlawulo

Inkqubo lokulungiselela Visa kunye MasterCard ngendlela elula:

• yiya nayiphi na iibhanki ehlabathini exhasa inkqubo;
• phambi zezazisi (ngokuqhelekileyo yokundwendwela), ukugqiba isivumelwano kubonelelo ngeenkonzo.

Ke ukuba iimephu, inokuba zombini debit kunye ngetyala.

Uhlobo lokuqala abo ukuba ungasebenzisa kuphela isixa kudluliselwa kubo. Kwimeko xa imali run out kwimaphu, kufuneka zidluliselwe kwi-akhawunti yakho ukuze isetyenziswe kwixesha elizayo iinkonzo ezinikezelwa yi-nkqubo. Ngelo xesha, kukho imida yemali, ukunyusa ubungakanani apho kuyingxaki.

amakhadi Credit inenzuzo kakhulu ukuba ukusebenzisa - zonke iintlawulo kuhlawulwa esebenzisa umlinganiselo othile ekhutshwe ebhankini. Kuyimfuneko kuphela ukuba uhlawule ityala phambi komhla wokuphelelwa uze akhawunti kwakhona baziqwebele imali-mboleko. amakhadi amaninzi eRashiya ngco debit, ukuba yesivumelwano ayibeki ngqo ukhetho eyahlukileyo.

Ukuphunyezwa izibalo kuthungelwano

Asizizo zonke izinto ngamazwe ikhadi debit isetyenziselwe iinkonzo zentlawulo kunye ukuthenga kwi-intanethi. Ukuze inkqubo amakhadi Visa yi Visa Gold, Visa Classic nangaphezulu okanye ngokukodwa ukulungiselela womnatha Visa ye Internet, nto leyo kwiwotshi Visa Classic. Xa ikhadi Visa Electron , unako ukurhoxisa imali kwiitheminali, kodwa izibalo azifumaneki kwi Internet, ukuba akanayo CVV2. Kwakhona yenzelwe ikhadi MVUME LOKUNDWENDWELA LEXESHANA Virtual, esenzelwe ngokukodwa imicimbi engekenziwa kwi-network, yaye ukuze kwandiswe umsebenzisi nentembelo kwezorhwebo ngokusebenzisa kwinethiwekhi.

Ukuze inkqubo yentlawulo MasterCard yobalo-intanethi oluhambelana MasterCard Standart nangaphezulu. Ikhadi Master Card Maestro (debit), ezifana Visa Electron, esetyenziswa kuphela iinkqubo imisebenzi intanethi (kuba CVC2 free).

Ukuba isayithi yenye yeendlela Idiposithi / Ukurhoxiswa okhethwe Visa Electron okanye Maestro, kule meko usebenza intlawulo eyenziwe ezahlukeneyo kweenkqubo ngamazwe elektroniki intlawulo, ezifana Moneybookers, okanye amakhadi ezikhutshwe ziibhanki athile kwi-West (ukuba ikhowudi CVV2 okanye CVC2).

Visa and Mastercard inkqubo eRashiya - imeko yangoku

Kule imeko yangoku eUkraine, Matshi 21, 2014 xa iqela yeebhanki Russian zabekwa kwezinye iindlela (umz, Visa kunye Mastercard) ukwayo kwezorhwebo. Maps wayeka ukusebenza in kwakunye neevenkile kunye noomatshini zokubhala nokupha. Eyona nto kakhulu ikudika kukuba inkqubo yentlawulo Visa kunye Mastercard bavala ngaphandle kwesilumkiso. Malunga nesiqingatha sesigidi abanini ikhadi kwezi zinkampani baxakekile. Kodwa njengokuba usazi, le mibutho abanomdla nentsebenziswano engaphezulu kunye Russian Federation, yaye, ke ngoko, iinyanga ezimbini emva kweso siganeko, iinkqubo zentlawulo ngamazwe, kwaye urhulumente kwavunyelwana ukuqhubeka umsebenzi iinkampani eRashiya. Ngethuba lothetha-thethwano, kwenziwa izilungiso kwi-sikhokelo esemthethweni yomGaqo-Russian Federation "Ngomhla inkqubo yentlawulo yelizwe": neenkampani zangaphandle ukwenza ngekota obekwe kwi akhawunti ezizodwa "Sberbank" iminikelo ukuqinisekisa ubungakanani ikota inkqubo yemihla ngemihla of transfer imali (oko kukuthi, malunga $ 100 ezigidi ngamnye ..).

Kwixesha elizayo, ukudityaniswa kwe nkampani ka-Visa and Master Card inkqubo Russian yentlawulo yelizwe. Oku kuya kudala imibutho ezimbini ezahlukeneyo. I Duma State sele liqalise umthetho ngalo mbandela. Omnye umba kukuba zigqithiselwe inkqubo yentlawulo yelizwe ohlangeneyo bonke abathathi-nxaxheba baya kuthabatha ngenyanga enye. Kodwa ngumlinganiselo kuyimfuneko ukuba kuphunyezwa nemeko yezoqoqosho ekhuselekileyo kweli lizwe, nokuzinzisa isikhundla lommi ngamnye Russian.