Munyika yanhasi yakabatana, kutengeserana kwenyika dzakawanda kuri kubudirira. Mabhizinesi emasaizi ese ari kusvika kune vatengi mhiri kwemiganhu, uye chinhu chakakosha pakubudirira igedhi rekubhadhara repasi rese rakavimbika. Aya magedhi anoshanda sevamiriri vakachengeteka, achifambisa kutengeserana kwepamhepo pakati pevatengi nevatengesi pasi rese. Kusarudza gedhi rekubhadhara repasi rose rakakosha kuti uve neruzivo rwakatsetseka rwevatengi uye mashandiro anoshanda ebhizinesi.  

Heino kunyura kwakadzama mumasuwo gumi ekubhadhara epasi rose

1. mutsetse

Inozivikanwa neayo mushandisi-inoshamwaridzika chimiro uye yakasimba maficha, Stripe inofarira pakati pemabhizinesi eese saizi. Inozvirumbidza ine API ine simba yekubatanidza nyore nemapuratifomu akasiyana, ichipa mhinduro inogoneka. Stripe inokunda mukusvika kwepasirese, inotsigira anopfuura zana nemakumi matatu emari uye nzira dzakawanda dzekubhadhara, zvichiita kuti ive yakanakira mabhizinesi ane zvishuwo zvepasirese.   

2. PayPal 

Zita reimba mukubhadhara kwepamhepo, PayPal inopa yakajairika uye yakavimbika chikuva kune ese mabhizinesi nevatengi. Inopa nzira yakachengeteka yekubvuma kubhadhara pasina vatengi vanoda kugovera ruzivo rwavo rwemari zvakananga, kukurudzira kuvimba uye nyore. Nepo mari dzekutengeserana dzinogona kunge dzakakwira zvishoma zvichienzaniswa nevamwe vakwikwidzi, kuzivikanwa kwemhando yePayPal uye kuchengetedzwa kwemutengi kunogona kuve zvinhu zvakakosha. 

3. Worldpay

Mutungamiriri wepasirese mukugadzirisa mubhadharo, Worldpay neFIS inopa yakazara sutu yemhinduro kumabhizinesi eese saizi. Ivo vanopa yakachengeteka uye yakavimbika mubhadharo kugadzirisa mumatanho akasiyana siyana, kusanganisira online, mu-chitoro, uye nhare. Worldpay inozivikanwa nemidziyo yayo yepamusoro yekudzivirira hutsotsi uye maficha ekugadzirisa njodzi, kuve nechokwadi cherunyararo rwemutengesi rwepfungwa. 

4. Adyen 

Ichivimbwa nemamwe mabhuranzi makuru epasirese, Adyen ipuratifomu ine simba rekubhadhara inobata kune vatengesi vane huwandu hwepamusoro. Ivo vanopa yakabatana commerce mhinduro inokwenenzvera online, nhare, uye mu-chitoro kubhadhara, ichipa inowirirana chiitiko kune vatengi mumatanho ese. Kutarisa kwaAdyen pane scalability uye advanced analytics inoita kuti ive yakanakira mabhizinesi makuru ane zvakaoma kubhadhara zvinodiwa. 

5. 2Checkout

Nyanzvi mune zvepasi rose e-commerce, 2Checkout inobata kumabhizinesi ari kutengesa kunze kwenyika. Vanopa nzira dzekubhadhara dzemuno, maturusi ekutonga mutero, uye rutsigiro rwemari dzakawanda. 2Checkout inorerutsa kuomarara kwekutengesa kwenyika, zvichiita kuti zvive nyore kumabhizinesi kusvika kune vatengi pasi rese.   

6. Braintree 

Yakatarisana nekubhadhara nhare-yekutanga, Braintree inopa mushandisi-ane hushamwari chikuva chakanyatsogadzirirwa kutenga-mu-app uye nharembozha. Iyo inopa yakakwenenzverwa yekutarisa maitiro, zvichiita kuti zvive nyore kune vatengi kupedzisa kutengeserana pamafoni avo. Braintree inosanganisa isina musono nePayPal, ichipa yakakwana mhinduro yekubhadhara nhare. 

7. Cheefan.com 

Iri gedhi riri kukurumidza kukura rinopa hwaro hwakasimba hwemaindasitiri ane njodzi yakakura uye mabhizinesi ane zvakaoma kubhadhara zvinodiwa. Vanopa maturusi epamberi ekudzivirira hutsotsi, sarudzo dzekubhadhara dzinogoneka, uye tsigiro yenzira dzakasiyana dzekubhadhara, kusanganisira dzimwe nzira uye dziri kubuda mhinduro. Checkout.com inobata zvakanaka kumabhizinesi ari kutsvaga yakachengeteka uye inochinjika yekubhadhara yekugadzirisa mhinduro. 

8. SagePay 

Iri gedhi riri kukurumidza kukura rinopa hwaro hwakasimba hwemaindasitiri ane njodzi yakakura uye mabhizinesi ane zvakaoma kubhadhara zvinodiwa. Vanopa maturusi epamberi ekudzivirira hutsotsi, sarudzo dzekubhadhara dzinogoneka, uye tsigiro yenzira dzakasiyana dzekubhadhara, kusanganisira dzimwe nzira uye dziri kubuda mhinduro. Checkout.com inobata zvakanaka kumabhizinesi ari kutsvaga yakachengeteka uye inochinjika yekubhadhara yekugadzirisa mhinduro. 

9. Amazon Pay 

Iri gedhi riri kukurumidza kukura rinopa hwaro hwakasimba hwemaindasitiri ane njodzi yakakura uye mabhizinesi ane zvakaoma kubhadhara zvinodiwa. Vanopa maturusi epamberi ekudzivirira hutsotsi, sarudzo dzekubhadhara dzinogoneka, uye tsigiro yenzira dzakasiyana dzekubhadhara, kusanganisira dzimwe nzira uye dziri kubuda mhinduro. Checkout.com inobata zvakanaka kumabhizinesi ari kutsvaga yakachengeteka uye inochinjika yekubhadhara yekugadzirisa mhinduro. 

10. Payoneer 

Iyi puratifomu yekubhadhara yepasirese inobata zvakananga kune mafreelancers, misika, uye mabhizinesi ane epasi rese kubhadhara zvinodiwa. Vanopa mhinduro dzakachengeteka uye dzinodhura dzekutumira nekugamuchira mubhadharo kumiganhu. Payoneer inorerutsa manejimendi ekutengeserana kwenyika uye kubhadhara, zvichiita kuti ive yakanakira mabhizinesi ane vashandi vepasirese vanoshanda vakasununguka kana nzira dzekutengesa dzepasirese. 

Kusarudza Iyo Yakakodzera Yepasi Pose Kubhadhara Gedhi

Iyo yakanakira yepasirese yekubhadhara gedhi rebhizinesi rako zvinoenderana nezvakati wandei zvinhu:  

• Saizi yebhizinesi uye zvinodiwa: Funga nezvehuwandu hwekutengeserana kwako, misika yakanangana, uye mhando dzezvigadzirwa kana masevhisi aunopa.  

• Nzira dzekubhadhara dzinotsigirwa: Ita shuwa kuti gedhi rinotsigira nzira dzekubhadhara dzinosarudzwa nevatengi vako mumisika yako yaunotarisisa.  

• Mitengo nemiripo: Enzanisa mari yekutengeserana, machaji epamwedzi, uye chero mari yekuwedzera ine chekuita nemagedhi akasiyana.  

• Kuchengeteka uye kutevedza: Sarudza gedhi rine matanho ekuchengetedza akasimba uye kutevedzera mitemo yekubhadhara yakakodzera.  

• Kureruka kwekushandisa uye kubatanidza: Ongorora chimiro chemushandisi uye kuti nyore sei gedhi rinobatanidza nepuratifomu yako iripo kana ngoro yekutenga.  

• Tsigiro yemutengi: Funga nezve kuwanikwa uye kunaka kwekutsigirwa kwevatengi kunopihwa nemupi wegedhi.  

Kupfuura Top 10

Nzvimbo yemagedhi ekubhadhara pasi rose yakakura uye inogara ichichinja. Heano mamwe ekuwedzera sarudzo dzekufunga zvinoenderana nezvaunoda chaizvo:

• Kwirisa.Net 

Sarudzo yakakurumbira yemabhizinesi muUnited States, ichipa mushandisi-ane hushamwari chikuva uye akasimba ekudzivirira hunyengeri maturusi. 

• Payline Data 

Inyanzvi mumabhizinesi ekunyorera-akavakirwa, achipa anodzokororwa ekubhadhara maficha uye masanganiswa ane akakurumbira kunyorera manejimendi mapuratifomu.  

• Skrill

Gedhi rakanyatsogadziriswa rinopa kubhejera yepamhepo uye maindasitiri ane njodzi huru, ane zvinhu zvakaita sekubhadhara kusingazivikanwe.  

• Dwolla 

Inotarisa pakubhadhara kweACH (Automated Clearing House) muUnited States, yakanakira mabhizinesi ari kubata nehombe-vhoriyamu, yakaderera-kukosha kutengeserana.  

• GoCardless

Inyanzvi mukudzokororwa kubhadhara kuburikidza nekufambisa kwebhangi, ichipa mhinduro inodhura yemabhizinesi ekunyorera muEurope nemamwe matunhu. 

 

Emerging Trends muInternational Payments

• Open Banking: Iyi tekinoroji inobvumira vechitatu-bato vanopa kuti vawane data revatengi rezvemari nemvumo yavo, zvichizotungamira kune nekukurumidza uye kwakachengeteka nzira dzekubhadhara.  

• Dzimwe nzira dzekubhadhara: Nharembozha wallet, mari yedhijitari, uye tenga izvozvi, bhadhara gare gare sarudzo dziri kuwana traction pasi rose, uye magedhi anotsigira nzira idzi achave akamisikidzwa zvakanaka mukukura mune ramangwana.  

• Tarisa pane Chengetedzo: Sezvo cybercrime iri kuramba ichishanduka, magedhi ekubhadhara epasi rese anozoda kuisa mari mumatanho ekuchengetedza ekudzivirira kuchengetedza data revatengi. 

 

Ramangwana Rekubhadhara Kunyika Dzose 

Ramangwana rekubhadharwa kwepasi rese rinogona kuona kuenderera mberi kwekutarisa pane:  

• Zvakaitika Mutengi zvisina Seam: Magedhi anozoyedza kupa frictionless yekutarisa maitiro, inoenderana nekukura kuri kudiwa kwekureruka mukutengeserana kwepamhepo.  

• Nzvimbo: Magedhi anozoenderana nezvinodiwa zvekubhadhara zvemuno uye mirau munyika dzakasiyana, kuve nechokwadi chiitiko chakapfava kune vese vatengesi nevatengi.  

• Maonero Anofambiswa neData: Mabhizinesi achakwidziridza data rakaunganidzwa kuburikidza nemagedhi ekubhadhara epasi rese kuti awane ruzivo rwakakosha mumaitiro evatengi uye kukwidziridza maitiro avo ekubhadhara.

mhedziso

Kusarudza gedhi rekubhadhara repasi rose isarudzo yakakosha kumabhizinesi ari kutsvaga kuwedzera kusvika kwavo pasirese. Nekunzwisisa kusimba uye kusasimba kwevanopa vakasiyana uye nekufunga mafambiro emangwana, unogona kusarudza gedhi rinopa simba bhizinesi rako kuti ribudirire munzvimbo inogara ichishanduka yekutengeserana kwenyika.