I-Dwolla iyinkundla yokukhokha yedijithali inikeza izixazululo ezithuthukisiwe zokudluliswa kwebhange kanye nezinkokhelo ze-inthanethi. Ngokugxila ku- ukulula futhi i ukuphepha, ivumela amabhizinisi nabathuthukisi ukuthi bahlanganise izinkokhelo ze-ACH ngendlela efanele nangezindleko ezincishisiwe. Le nkundla yasungulwa ngo-2008 e-Iowa, e-United States, isiphenduke enye indlela ekhangayo ezindleleni zokukhokha zendabuko ezifana ne-PayPal noma amakhadi esikweletu.
Iyini i-Dwolla futhi isebenza kanjani?
I-Dwolla yinkampani ye-fintech ehlinzeka nge izinkokhelo zikagesi ngokusekelwe ekudlulisweni kwe-ACH (Automated Clearing House). Lokhu kuvumela abasebenzisi ukuthi bathumele futhi bamukele imali ngokuqondile kuma-akhawunti abo asebhange ngaphandle kwesidingo samakhadi esikweletu noma edebhithi.
Inqubo yokukhokha ka-Dwolla iyashesha futhi ivikelekile. Uma ibhizinisi selihlanganisa i-Dwolla API, lingakwazi ukuphatha izinkokhelo ngaphandle komthungo phakathi kwama-akhawunti asebhange, ngaphandle kwezimali ezifihliwe futhi isakhiwo izindleko esebenza kahle kunezindlela zendabuko.
Izinzuzo ze-Dwolla njengohlelo lokukhokha
- Amakhomishana aphansi: I-Dwolla inikeza amanani ancintisana kakhulu uma kuqhathaniswa nabanye abacubungula benkokhelo, ikhokhisa imali ephansi ngokuthengiselana esikhundleni sephesenti yenani eliphelele.
- ukuphepha okuthuthukisiwe: Isebenzisa ukubethela kwedatha namathokheni okuqinisekisa ukuvikela ulwazi lwezezimali lwabasebenzisi.
- Ukuhlanganiswa okuguquguqukayo: I-API yayo ivumela abathuthukisi ukuthi benze ngendlela oyifisayo inkundla futhi bayivumelanise nezidingo zabo ezithile.
- Izinkokhelo ezizenzakalelayo: Ilungele amabhizinisi aphatha okubhaliselwe noma izinkokhelo eziphindelelayo.
- Usekelo lwe-akhawunti yasebhange: Alikho ikhadi lesikweletu elidingekayo, okwenza ukuthengiselana kube lula kubasebenzisi abakhetha ukusebenzisa ama-akhawunti asebhange.
Ukuhlanganiswa kwe-Dwolla ne-Ecommerce kanye nezinkundla eziku-inthanethi
I-Dwolla ingahlanganiswa kumapulatifomu e-e-commerce ahlukahlukene kanye nezinhlelo zokusebenza zeselula nge-API yayo. Lokhu kuvumela abathengisi ukuthi bamukele izinkokhelo ezivela kumakhasimende ngaphandle kokuthembela emasangweni endabuko afana ne-PayPal noma i-Stripe. Ngaphezu kwalokho, i- Inkokhelo ezenzakalelayo kanye nokuphathwa kokudlulisa okukhulu kwenza i-Dwolla ibe inketho ekhangayo ezimakethe kanye nezinkundla ze-SaaS.
Ukuphepha nokuvikelwa kwedatha kwa-Dwolla
Esinye sezici ezihlukanisayo ze-Dwolla ukugxila kwayo ku ukuphepha. Isebenzisa ukuqinisekiswa kwezinto eziningi, ukubethelwa kwedatha kanye nesistimu yamathokheni evikela ulwazi lomsebenzisi olubucayi.
I-Dwolla Ukuqhathanisa Nezinye Izinkundla Zokukhokha
| CaracterÃstica | Dwola | PayPal | I-Stripe |
|---|---|---|---|
| Izintela | Izinga eliphansi, eliphansi | Okuguquguqukayo, iphesenti ngokwenziwe ngakunye | Okuguquguqukayo, amaphesenti anemali eyengeziwe |
| Ukuhlanganiswa kwe-API | Okuthuthukisiwe futhi kuyavumelana nezimo | Kunomkhawulo | Alta |
| Ukuphepha | Okuphezulu, ukubethela namathokheni | Alta | Alta |
| Ukusekelwa kwezinkokhelo eziphindelelayo | Yebo | Yebo | Yebo |
I-Dwolla izibeke njengesixazululo esisha sezinkokhelo zedijithali, okuvumela amabhizinisi nabathuthukisi ukuthi bathuthukise ukuthengiselana kwabo kwebhange ngezindleko ezincishisiwe kanye nokuvikeleka okukhulu. I-API yayo eguquguqukayo, ehambisana nokugxila kokuzenzakalela nokuphepha, iyenza ibe enye indlela ehlukile yezinketho zokukhokha zendabuko njenge-PayPal noma i-Stripe.
