Izindlela zokukhokha zezitolo eziku-inthanethi: umhlahlandlela ophelele, izinketho, nokuphepha

Ukwenza kube lula kubasebenzisi ukukhokha kuwumqondo omuhle njalo: inqubo yokuphuma elula, esheshayo nevikelekile Yehlisa ukushiywa kwenqola futhi ithuthukise ukuphinda ibhizinisi. Ku-e-commerce, ukulahlekelwa indali ngokunganikezi indlela yokukhokha ekhethwa yikhasimende kuvame kakhulu kunalokho okubonakala; ngakho-ke, kuyafaneleka hlanganisa izinketho eziningana futhi uzivumelanise nezithameli zakho nezimakethe.

Ezentengiselwano Kusivumele ukuthi sandise imakethe yethu cishe kuwo wonke umhlaba. Yingakho singathola abathengi abangaba khona abakhetha izindlela ezahlukene zokukhokha.

Izikhathi eziningi baphoqeleka ukuthi bangawuthengi umkhiqizo wethu ngoba abakwazi ukuthola i- indlela yokukhokha ebakholisayo noma ebafaneleUkuba izindlela ezahlukene zokukhokha Izimali ezitholakalayo zibaluleke kakhulu uma sinemakethe yamazwe ngamazwe lapho sizobe sisebenzelana nezinhlobo zemali ezahlukene.

I-athikili ehlobene:

I-Dwolla: I-Digital Payments Platform ye-Ecommerce

Izindlela zokukhokha zesitolo esiku-inthanethi

• Amapulatifomu wokukhokha aku-inthanethiLena inketho isitolo sakho esiku-inthanethi esingakwazi ukuba ngaphandle kwayo, njengoba kuyinketho ekhethwayo phakathi kwamakhasimende emhlabeni jikelele. Lezi zinkundla zisebenza njengabalamuli phakathi komthengi nomthengisi, ngakho-ke idatha yakho ayivezwa neze. Isibonelo esaziwa kakhulu nesisetshenziswa kakhulu salolu hlobo lwesevisi i-PayPal. Okubi ukuthi imali yokwenziwayo ingaba phezulu. Ukuze kwandiswe ukwethembana, abaningi bahlanganisa... uphawu (ukushintsha idatha ebucayi ngamathokheni) kanye nokuvikelwa komthengi.
• Isango lokukhokha: Yaziwa nangokuthi Itheminali yokukhokha ebonakalayo. Le nketho ihlanganisa ukuhlanganisa uhlelo lokusebenza kuwebhusayithi yakho ukuze uthole izinkokhelo zekhadi eziqondile. Ukuze uyisethe, udinga ukuyicela ebhange lakho. Bazokunikeza ikhodi futhi benze uchungechunge lwezivivinyo kuwebhusayithi yakho ukuze baqinisekise ukuthi uhlelo lokusebenza lusebenza ngendlela efanele. Ngale ndlela, izinkokhelo zizocutshungulwa ngokushesha. Izixazululo ezifana nokuthi [faka izibonelo zezixazululo kulesi sigaba] ziyagqama. I-Redsys (kwande kakhulu emabhange), I-Stripe, Adyen, IMALI, I-Braintree o Izinkokhelo Zomhlaba Wonke, okusiza ukubuyisana, ukubhalisa nokuvimbela ukukhwabanisa.
• Ukudluliselwa kwebhangeLe ndlela yokukhokha ibandakanya ukunikeza umthengi wakho inombolo ye-akhawunti yasebhange lapho angafaka khona inkokhelo. Izinkokhelo zivame ukuboniswa ngokushesha, futhi izinkokhelo azivamile ukusetshenziswa. Nokho, le ndlela ayiphumelelanga ngoba asikho isiqiniseko sokuthi ukuthengwa kuzoqedwa kunoma yiliphi iqembu. Iwusizo ku B2B noma nge amanani aphezulunakuba yandisa izikhathi zokulungiselela nezokuthumela.

Ezinye izindlela zokukhokha ezilindelwe amakhasimende akho

• I-Bizum nezinkokhelo ezisheshayoKudume kakhulu ezindaweni eziphathwayo; ivumela ukukhokha ngenombolo yocingo kanye ne-PIN. Ihlanganisa ne amasango kanye ne-CMS njengeWooCommerce, PrestaShop noma iMagento ngamamojula.
• Imali ekulethweniIwusizo kumakhasimende aqaphile noma abathengi bokuqala. Kubandakanya ukuphatha inkokhelo nenkampani yokuthumela. izindleko eziphakeme kanye nezindawo zokuhlala ezihlehlisiwe; ukusetshenziswa kwabo kunqunyelwe kodwa bangaletha ukuguqulwa okwengeziwe ezindaweni ezithile.
• I-Digital Wallets: Apple Pay, I-Google Pay, Samsung Pay y Chofoza ukuze ukhokhe Bahlela ukukhokha ngaphandle kokufaka idatha mathupha kanye nokuqinisekiswa kwe-biometric. Ama-Amazon Pay sebenzisa i-akhawunti yekhasimende, ngisho nezinketho zokuthenga ezenziwe zasebenza ngezwi.
• Izitifiketi zesipho namakhuphoni: amakhadi esipho, amabhonasi Futhi izaphulelo ezisebenzayo ekuphumeni zikhuphula ukwethembeka kanye nenani elibonakalayo.
• Ezezimali kanye ne-BNPL: izixazululo ezifana Klarna, ngisuse, Sequra, UCetelem o Ikhredithi esheshayo Bavumela izinkokhelo ezihlukene noma "uthenge manje, ukhokhe kamuva." Bakhuphula amazinga okuguqulwa futhi ithikithi eliphakathi ngokuqinisekiswa okusheshayo.
• Ukudonswa kwemali okuqondile nezinkokhelo eziphindelelayoIlungele okubhaliselwe; ongakhetha ezifana Ukudonswa kwemali eqondile kwe-SEPA o I-GoCardless Benza izinkokhelo zezikhathi zibe lula.
• Criptomonedas: enye indlela yezethameli zamathikithi aphezulu noma ze-crypto ngamasango afana nala I-Coinbase CommerceKunconywa ukuthi uguqule ngokuzenzakalelayo kumali ye-fiat ukuze ugweme ukuguquguquka.

Amasango okukhokha kanye nezinsizakalo ezihlanganisekayo

Ngaphezu kwezinketho zebhange, zikhona abahlinzeki bomhlaba ezigqamayo ekuhlanganiseni kwazo, ama-API, namathuluzi okulwa nokukhwabanisa: I-Stripe (imibiko kanye nokwesekwa kwendawo yemakethe), PayPal (ukuvikelwa komkhiqizo okuqashelwayo nomthengi), I-Redsys (ingqalasizinda yamabhange kanye nezimali ezincintisanayo), Adyen (umzila wonke), IMALI (ukugxila kwendawo), I-Braintree (kusuka ku-PayPal), Vumela i-Authorize.net, Izinkokhelo Zomhlaba Wonke, Izinkokhelo ze-Addon, 2Checkout/Verifone, Mollie, UMangopay, Sipay, I-Skrill, I-Neteller, I-Alipay, WebMoney o DwolaHlola ukuhambisana ne-CMS yakho, izindlela zasendaweni, ukwesekwa kwemali eningi kanye nezinketho ezifana ne-DDC (Dynamic Currency Conversion) noma Intela Yamahhala uma udayisela izivakashi.

Kwezokuphepha, beka phambili I-PCI DSS, I-3D Secure/SCA, Izitifiketi ze-SSL/TLS, I-AVS y uphawuIzinkundla zesimanje zisebenzisa imithetho yengcuphe kanye nokufunda komshini ukuze kuncishiswe ukukhokhiswa emuva kanye nemibono engamanga.

Imibandela ebalulekile yokukhetha nokuhlanganisa izinkokhelo

• Ukuphepha nokwethembana: izitifiketi, ukuqinisekiswa okuqinile nesithunzi somphakeli.
• Okuhlangenwe nakho komsebenzisi: izinyathelo ezimbalwa, ukuphuma okusabelayoukuqedela ngokuzenzakalela kanye nokuphuma kokuthepha okukodwa.
• izindleko: izimali zokusebenza, izindleko ezigxilile, ukubuyiselwa kwemali nokukhokhelwa kwesikhwama.
• Ukufakwa kanye nezindlela: amakhadi, izikhwama zemali, izindlela zendawo, izinkokhelo zeselula kanye ne-BNPL.
• Ukuhlanganisa nokusekelwa: ama-plugin we-WooCommerce, PrestaShop, Magento noma Shopify; ukwesekwa kwezobuchwepheshe okusheshayo.
• Iyasebenza: ukubuyisana, imibiko, okubhaliselwe, izinkokhelo zokuchofoza kanye nemithetho emelene nokukhwabanisa.

Amathrendi nezici eziqhuba ukuguqulwa

• Ukuchofoza kanye nokwenza amathokheni: phinda ukuthenga ngaphandle kokufaka kabusha idatha, ngokuvikeleka okuthuthukisiwe.
• I-QR nezinkokhelo zeselulaBenza lula ushintsho phakathi kweziteshi eziku-inthanethi nezingaxhunyiwe ku-inthanethi.
• I-BNPL ehlanganisiwe: amamojula omdabu avela e-Klarna, e-Aplazame, e-Sequra noma e-Cetelem ukuze akhulise ukuguqulwa.
• Ukuthengwa ngezwiAbasizi namawallet afana ne-Amazon Pay bavula izindlela zokukhokha ezintsha.
• Ukuphathwa kokukhwabanisaUhlu lwe-3DS oluguquguqukayo, oluguqukayo kanye namaphuzu ukuze kulinganiswe ukuphepha nokuguqulwa.

Khumbula lokho kalula esikunikeza amakhasimende ethu ukuqedela ukuthenga Ibaluleke njengomkhiqizo noma isevisi esiyinikezayo. Ikhasimende elanelisekile liyohlala liyikhasimende.

Uma ukhetha inhlanganisela elinganiselayo ye tarjeta (I-POS/isango), Izikhwama yaziwa, izinkokhelo ngokushesha y imaliNgamazinga okuphepha kanye ne-UX yeselula engenazihibe, uzonciphisa ukungqubuzana, ukhulise ukwethembana, futhi uthwebule ukuthengisa okwengeziwe ngokuvakasha ngakunye, ngaphandle kokuthembela emfashinini edlulayo noma umhlinzeki oyedwa.