I-Dwolla iyipulatifomu yokukhokha yedijithali enikeza izixazululo ezithuthukisiwe zokudluliselwa kwebhange kanye nezinkokhelo eziku - inthanethi. Ngokugxila ekulula nasekuphepheni , ivumela amabhizinisi nabathuthukisi ukuthi bahlanganise ngempumelelo izinkokhelo ze-ACH ngezindleko eziphansi. Yasungulwa ngo-2008 e-Iowa, e-USA, le pulatifomu isibe yindlela ekhangayo kunezindlela zokukhokha zendabuko njenge-PayPal noma amakhadi esikweletu.
Iyini i-Dwolla futhi isebenza kanjani?
I-Dwolla yinkampani ye-fintech enikeza ingqalasizinda yokukhokha nge-elekthronikhi esekelwe ekudlulisweni kwe-ACH (Automated Clearing House). Lokhu kuvumela abasebenzisi ukuthumela nokwamukela imali ngqo kuma-akhawunti abo asebhange ngaphandle kokudinga amakhadi esikweletu noma edebithi.
Inqubo yokukhokha kaDwolla iyashesha futhi iphephile. Uma inkampani isihlanganise i-Dwolla API, ingaphatha izinkokhelo phakathi kwama-akhawunti asebhange kalula, ngaphandle kwezimali ezifihliwe kanye nesakhiwo sezindleko esisebenza 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 ingafakwa kumapulatifomu ahlukahlukene e-commerce kanye nezinhlelo zokusebenza zeselula nge-API yayo. Lokhu kuvumela amabhizinisi ukwamukela izinkokhelo zamakhasimende ngaphandle kokuthembela ezindleleni zendabuko ezifana ne-PayPal noma i-Stripe. Ngaphezu kwalokho, ukuzenzakalela kokukhokha kanye nokuphathwa kokudluliselwa okukhulu kwenza i-Dwolla ibe inketho ekhangayo yezimakethe kanye namapulatifomu e-SaaS.
Ukuphepha nokuvikelwa kwedatha kwa-Dwolla
Esinye sezici eziphawulekayo ze-Dwolla ukugxila kwayo ekuphepheni . Isebenzisa ukuqinisekiswa kwezinto eziningi, ukubethela idatha, kanye nohlelo lwethokheni oluvikela ulwazi oluyimfihlo lomsebenzisi.
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.
