Ezweni lanamuhla elixhumene, ukuhwebelana kwamazwe ngamazwe kuyachuma. Amabhizinisi abo bonke osayizi afinyelela amakhasimende ngaphesheya kwemingcele, futhi isici esibalulekile sempumelelo isango elithembekile lokukhokha lamazwe ngamazwe. Lawa masango asebenza njengabalamuli abavikelekile, asiza ukuthengiselana okuku-inthanethi phakathi kwabathengi nabathengisi emhlabeni wonke. Ukukhetha isango lokukhokha lamazwe ngamazwe elilungile kubalulekile ukuze kusebenze kahle amakhasimende kanye nokusebenza kahle kwebhizinisi.  

Nakhu ukucwila kumasango enkokhelo yamazwe ayi-10 aphezulu

1. I-Stripe

Idume ngesixhumi esibonakalayo esisebenziseka kalula nezici eziqinile, iStripe iyintandokazi phakathi kwamabhizinisi abo bonke osayizi. Ine-API enamandla yokuhlanganiswa kalula namapulatifomu ahlukahlukene, enikeza isixazululo esenziwa ngezifiso. I-Stripe ihamba phambili ekufinyeleleni emhlabeni wonke, isekela izinhlobo zemali ezingaphezu kuka-135 nezindlela eziningi zokukhokha, okuyenza ilungele amabhizinisi anezifiso zamazwe ngamazwe.   

2. PayPal 

Igama lasekhaya ezinkokhelweni ze-inthanethi, i-PayPal inikeza inkundla evamile nethembekile kokubili amabhizinisi nabathengi. Inikeza indlela evikelekile yokwamukela izinkokhelo ngaphandle kokuba amakhasimende adinge ukwabelana ngolwazi lwawo lwezezimali ngokuqondile, okugqugquzela ukwethembana kanye nokwenza lula. Nakuba izimali zokwenziwe zingase zibe phezulu kancane uma ziqhathaniswa nabanye esiqhudelana nabo, ukuqashelwa komkhiqizo we-PayPal nokuvikelwa komthengi kungaba impahla ebalulekile. 

3. I-Worldpay

Umholi womhlaba jikelele ekucutshungulweni kokukhokha, iWorldpay by FIS inikeza uhlu olubanzi lwezixazululo zamabhizinisi abo bonke osayizi. Bahlinzeka ngokucutshungulwa kokukhokha okuphephile nokuthembekile kuzo zonke iziteshi ezahlukahlukene, kufaka phakathi i-inthanethi, esitolo, neselula. I-Worldpay yaziwa ngamathuluzi ayo athuthukile okuvimbela ukukhwabanisa nezici zokulawula ubungozi, okuqinisekisa ukuthula kwengqondo yomthengisi. 

4. Adyen 

Ithenjwa amanye amabhrendi amakhulu emhlabeni, i-Adyen iyinkundla yokucubungula inkokhelo enamandla ehlinzeka abathengisi bevolumu ephezulu. Banikeza isixazululo esihlangene sokuhweba esiqondisa izinkokhelo eziku-inthanethi, zamaselula, nezasesitolo, sinikeze umuzwa ongaguquki kumakhasimende kuzo zonke iziteshi. Ukugxila kuka-Adyen ekulinganiseni nasekuhlaziyeni okuthuthukile kuyenza ilungele amabhizinisi amakhulu anezidingo eziyinkimbinkimbi zokukhokha. 

5. 2Checkout

Isebenza ngokukhethekile nge-e-commerce yomhlaba wonke, i-2Checkout ibhekelela amabhizinisi athengisa kwamanye amazwe. Banikeza izindlela zokukhokha zendawo, amathuluzi okuphatha intela, nosekelo lwezinhlobo zemali eziningi. I-2Checkout yenza kube lula ukuxaka kokuthengiswa kwamanye amazwe, okwenza kube lula ukuthi amabhizinisi afinyelele amakhasimende emhlabeni jikelele.   

6. I-Braintree 

Igxile ezinkokhelweni zokuqala ngeselula, i-Braintree inikeza inkundla esebenziseka kalula eklanyelwe ukuthenga ngaphakathi nohlelo namawalethi eselula. Ihlinzeka ngenqubo yokukhokha ehlelekile, okwenza kube lula kumakhasimende ukuqedela ukuthengiselana kuma-smartphone abo. I-Braintree ihlanganisa ngaphandle komthungo ne-PayPal, inikeza isixazululo esiphelele sezinkokhelo zeselula. 

7. Checkout.com 

Leli sango elikhula ngokushesha linikeza inkundla eqinile yezimboni ezisengozini enkulu namabhizinisi anezidingo zokukhokha eziyinkimbinkimbi. Banikeza amathuluzi athuthukisiwe okuvimbela ukukhwabanisa, izinketho zokukhokha ozenza ngokwezifiso, kanye nokusekelwa kwezindlela zokukhokha ezihlukahlukene, okuhlanganisa ezinye izixazululo nezivelayo. I-Checkout.com ibhekelela kahle amabhizinisi afuna isisombululo sokucubungula izinkokhelo esivikelekile nesiguquguqukayo. 

8. I-SagePay 

Leli sango elikhula ngokushesha linikeza inkundla eqinile yezimboni ezisengozini enkulu namabhizinisi anezidingo zokukhokha eziyinkimbinkimbi. Banikeza amathuluzi athuthukisiwe okuvimbela ukukhwabanisa, izinketho zokukhokha ozenza ngokwezifiso, kanye nokusekelwa kwezindlela zokukhokha ezihlukahlukene, okuhlanganisa ezinye izixazululo nezivelayo. I-Checkout.com ibhekelela kahle amabhizinisi afuna isisombululo sokucubungula izinkokhelo esivikelekile nesiguquguqukayo. 

9. Ama-Amazon Pay 

Leli sango elikhula ngokushesha linikeza inkundla eqinile yezimboni ezisengozini enkulu namabhizinisi anezidingo zokukhokha eziyinkimbinkimbi. Banikeza amathuluzi athuthukisiwe okuvimbela ukukhwabanisa, izinketho zokukhokha ozenza ngokwezifiso, kanye nokusekelwa kwezindlela zokukhokha ezihlukahlukene, okuhlanganisa ezinye izixazululo nezivelayo. I-Checkout.com ibhekelela kahle amabhizinisi afuna isisombululo sokucubungula izinkokhelo esivikelekile nesiguquguqukayo. 

10. Payoneer 

Le nkundla yokukhokha yomhlaba wonke ibhekelela ikakhulukazi ama-freelancers, izimakethe, namabhizinisi anezidingo zokukhokha zomhlaba wonke. Banikeza izixazululo ezivikelekile nezingabizi kakhulu zokuthumela nokwamukela izinkokhelo ngaphesheya kwemingcele. I-Payoneer yenza ukuphatha imisebenzi yamazwe ngamazwe nezinkokhelo kube lula, ikwenze kube lula kumabhizinisi anabasebenzi abazimele emhlabeni wonke noma iziteshi zokuthengisa zamazwe ngamazwe. 

Ukukhetha Isango Lokukhokha Lamazwe Ngamazwe Elilungile

Isango elifanele lenkokhelo yamazwe ngamazwe lebhizinisi lakho lincike ezintweni ezimbalwa:  

• Usayizi webhizinisi nezidingo: Cabangela umthamo wakho wokwenziwe, izimakethe eziqondiwe, kanye nezinhlobo zemikhiqizo noma amasevisi owanikezayo.  

• Izindlela zokukhokha ziyasekelwa: Qinisekisa ukuthi isango lisekela izindlela zokukhokha ezikhethwa amakhasimende akho ezimakethe zakho eziqondiwe.  

• Amanani nezinkokhelo: Qhathanisa izinkokhelo zomsebenzi, izindleko zanyanga zonke, kanye nanoma yiziphi izindleko ezengeziwe ezihlobene namasango ahlukene.  

• Ukuphepha nokuhambisana: Khetha isango elinezinyathelo zokuphepha eziqinile nokuthobela imithetho yokukhokha efanele.  

• Ukusebenziseka kalula nokuhlanganisa: Linganisa ukusebenzelana komsebenzisi nokuthi isango lihlangana kalula kanjani nengxenyekazi yakho ekhona noma inqola yokuthenga.  

• Ukwesekwa kwamakhasimende: Cabangela ukutholakala kanye nekhwalithi yosekelo lwekhasimende olunikezwa umhlinzeki wesango.  

Ngaphezu kwe-Top 10

Isimo samasango okukhokha amazwe ngamazwe sikhulu futhi sishintsha njalo. Nazi ezinye izinketho ezengeziwe ongazicabangela kuye ngezidingo zakho ezithile:

• Authorize.Net 

Inketho edumile yamabhizinisi ase-United States, enikezela ngenkundla esebenziseka kalula namathuluzi aqinile okuvikela ukukhwabanisa. 

• Idatha ye-Payline 

Isebenza ngokukhethekile emabhizinisini asekelwe ekubhaliseni, ehlinzeka ngezici zokukhokha eziphindelelayo nokuhlanganiswa nezinkundla zokuphatha okubhaliselwe ezidumile.  

• I-Skrill

Isango elisungulwe kahle elihlinzeka ngokugembula ku-inthanethi nezimboni ezinobungozi obukhulu, enezici ezifana nezinkokhelo ezingaziwa.  

• Dwola 

Igxile ezinkokhelweni ze-ACH (Automated Clearing House) e-United States, ilungele amabhizinisi asebenzelana nevolumu enkulu, imisebenzi enenani eliphansi.  

• I-GoCardless

Isebenza ngokukhethekile ezinkokhelweni eziphindelelayo ngokudluliselwa kwebhange, ihlinzeka ngesixazululo esingabizi kakhulu samabhizinisi abhaliselwe eYurophu nakwezinye izifunda. 

 

Amathrendi asafufusa ezinkokhelweni zamazwe ngamazwe

• Vula Ukubhanga: Lobu buchwepheshe buvumela abahlinzeki bezinkampani zangaphandle ukuthi bafinyelele idatha yezezimali yekhasimende ngemvume yabo, okungase kuholele ezindleleni zokukhokha ezisheshayo neziphephe kakhudlwana.  

• Ezinye Izindlela Zokukhokha: Izikhwama zemali zamaselula, izimali zedijithali, futhi thenga manje, izinketho zokukhokha kamuva zidlondlobala emhlabeni wonke, futhi amasango asekela lezi zindlela azobekwa kahle ukuze akhule esikhathini esizayo.  

• Gxila Kwezokuphepha: Njengoba ubugebengu bamakhompuyutha buqhubeka nokuvela, izindlela zokukhokha zamazwe ngamazwe zizodinga ukutshala izimali ezindleleni zokuphepha ezisezingeni eliphezulu ukuze kuvikelwe idatha yamakhasimende ebucayi. 

 

Ikusasa Lezinkokhelo Zamazwe Ngamazwe 

Ikusasa lezinkokhelo zamazwe ngamazwe cishe lizobona ukugxila okuqhubekayo kulokhu:  

• Umuzwa Wekhasimende Ongenazihibe: I-Gateways izolwela ukuhlinzeka ngezinqubo zokuphuma ngaphandle kokungqubuzana, ezibhekelela isidingo esikhulayo sokwenza kube lula ukuthengiselana nge-inthanethi.  

• Ukwenza kwasendaweni: Amasango azojwayelana nezintandokazi zokukhokha zendawo kanye nemithetho emazweni ahlukene, aqinisekise okwenziwayo okushelelayo kubo bobabili abathengisi namakhasimende.  

• Imininingwane Eqhutshwa Ngedatha: Amabhizinisi azosebenzisa idatha eqoqwe ngamasango okukhokha amazwe ngamazwe ukuze athole imininingwane ebalulekile ngokuziphatha kwamakhasimende futhi athuthukise namasu awo okukhokha.

Isiphetho

Ukukhetha isango lokukhokha lamazwe ngamazwe elilungile kuyisinqumo esibalulekile samabhizinisi afuna ukwandisa ukufinyelela kwawo emhlabeni jikelele. Ngokuqonda amandla nobuthakathaka babahlinzeki abahlukene futhi ucabangele amathrendi azayo, ungakhetha isango elinika ibhizinisi lakho amandla ukuze liphumelele endaweni ehlala ishintsha yezentengiselwano zamazwe ngamazwe.