Enye yengxenye ebaluleke kakhulu okufanele uyicabangele lapho une izitolo eziku-inthanethi ziyizindlela zokukhokhale ngxenye ye inqubo yokudayiswa Kubaluleke kakhulu ngoba kudinga imodeli eveza ukwethenjwa kwamakhasimende futhi nakumthengisi ukuthi ukukhokhwa kwemikhiqizo nokuthi imali ivikelwe uma kwenzeka singawutholi umkhiqizo.
Futhi ngaphandle kokuthi amapulatifomu ahlukahlukene asizile ngalezi zinqubo, kusenezinketho ezahlukahlukene esingazihlola ezifana Imali ekhokhwayo, eyodwa indlela entsha yokwenza izinkokhelo phakathi kwabantu kanye nasezitolo eziku-inthanethi, ezenzelwe ukunciphisa ingozi ukukhwabanisa futhi inikeza ukuphepha okukhulu ekuthengeni nasekuthengiseni, ikakhulukazi imikhiqizo esetshenzisiwe.
Umongo: umnotho wokubambisana kanye nesidingo sokukhokha okuphephile
El ukuchuma komnotho wokubambisana kuholele ekutheni abantu abaningi bathenge noma bathengise izinto ezisetshenzisiwe ngamawebhusayithi noma Izinhlelo zokusebenza njengoWallapop, Vibbo, noma uMil Anuncios. Lo mkhuba ubuye wanda nase- imikhiqizo yobuchwepheshe esetshenzisiweKodwa-ke, kulesi sigaba abasebenzisi abaningi bakhetha ukuya esitolo bayothenga umkhiqizo omusha ukuze bagweme ukukhwabanisa noma ukukhwabanisa okungenzeka phakathi kwabantu ngabanye.
Enye yezinkinga ezivamile ngalezi zinhlobo zamapulatifomu yi- isikhathi sokukhokhaUkukhokha ngaphambi kokuthola into akulula ngoba asisebenzi nesitolo esidumile, kodwa sisebenzisana nomthengisi ozimele esingenalo ulwazi oluningi ngaye noma esingenalo nhlobo ulwazi ngaye. Ngakolunye uhlangothi, abathengisi abaningi bayenqaba ukukhokha ngemva kokuthola umkhiqizo. Lesi sithiyo sidala ukungathembani futhi sinciphise amathuba okuthengisa, ikakhulukazi uma Umthengi nomthengisi basemizini ehlukene.
Ukuze kuqinisekiswe ukuphepha kule ndawo, kwavela Imali ekhokhwayo, uhlelo lokusebenza lweselula kanye nesisombululo sokukhokha esiqondisa ukuthengiselana ukuze sinikeze indlela yokukhokha evikelekile, ngisho nokumboza ukulungisa noma ukubuyisela yento uma kwenzeka umonakalo noma ukuphuka, kanye nokwenza kube lula ukuthunyelwa ngeposi elikhethekile.
Imikhawulo yezindlela zokukhokha zendabuko ku-eCommerce
Enye yezinketho ezisetshenziswa kakhulu nezithandwayo amapulatifomu afana PayPalezinikeza isibambiso kokubili kumakhasimende nakumthengisi, futhi yize kungenye yezindlela izindlela ezithandwa ngamakhasimende amaningiKunezinto okufanele sizicabangele lapho sikhuluma ngokuthenga nokuthengisa phakathi kwabantu ngabanye noma imikhiqizo esetshenzisiwe.
Into yokuqala ukuthuthukisa ifayela le- isipiliyoni samakhasimendeNgakho-ke, enye ye izinketho zokukhokha Enye indlela esetshenziswa ukuthuthukisa lolu lwazi ukuletha umkhiqizo ngqo emakhaya amakhasimende ethu, lapho angakhokha khona ngokheshi noma ngogesi. Lolu khetho lungenye yezindlela ezithandwa kakhulu kulabo abasanqikaza ukusebenzisa izindlela zendabuko. faka ulwazi lwakho lwentela ku-inthanethi noma ekuthumeleni imali ngaphambi kokuhlola isimo sangempela somkhiqizo.
Kodwa-ke, lolu hlelo lokubonana ubuso nobuso luba nzima uma amaqembu ese- izifundazwe ezikude noma uma kudingeka ikhambi elingandiswa ukuze esigcawiniYilapho amamodeli athuthukile kakhulu afana nokukhokha khona escrow, okuyisisekelo sobuchwepheshe iLemonpay esebenza kuso.
Iyini iLemonpay futhi uhlelo lokukhokha lwe-escrow lusebenza kanjani?
Este Indlela yamukelwa yiLemonpayIpulatifomu evumela kakhulu ukukhokha kontanga, okwenza kuphephe futhi kube lula ukuyiqeda. Inzuzo yayo eyinhloko ngaphezu kwamapulatifomu akhona ukuthi ivumela abasebenzisi ukuthi bajabulele izinzuzo ezivele zinikezwa uhlelo lokusebenza, njenge... isiqinisekiso sokubuyiselwa imali noma amandla okwenza lokho izinkokhelo zesitolimende.
Ngokungafani namapulatifomu avamile, i-Lemonpay isekelwe ohlelweni lwe- izinkokhelo ze-escrow noma idiphozithi yezokuphephaUmthengi uthumela imali ku- idiphozithi yasebhange evikelekile iphathwa yisisombululo sobuchwepheshe (i-Marketpay/i-Socialpay), kodwa leyo mali ayidluliselwa kumthengisi kuze kube yilapho umthengi eqinisekisa ukuthi umkhiqizo awutholile yilokho kanye abekulindele. Lokhu kuqinisekisa ukuthi ukuba semthethweni komsebenzi futhi ukukhwabanisa kuncishisiwe.
Isikhathi esithile, isicelo ugodla imali futhi inikeza umthengi isikhathi (isibonelo, amahora angu-48) ukuhlola ukuthi into isebenza kahle yini futhi ihambisana nencazelo yohlu. Uma kunezinkinga, kungacelwa ukubuyiselwa kwemali, futhi i-Lemonpay iphatha kokubili hlehlisa izinto njengokubuyiselwa kwemali.
Ngaphezu kwalokho, ipulatifomu incike kubuchwepheshe obuthuthukisiwe, njengezinhlelo ze Ukubalwa kwezimali okusekelwe ku-Blockchainokuvumela ukuhlolwa komphakathi kwemisebenzi, okuqinisa ukungabi naphutha kanye nokungaguquki kusukela kumarekhodi okukhokha. Konke lokhu kwenza i-Lemonpay ibe ithuluzi elithakazelisayo kakhulu izitolo eziku-inthanethi y izimakethe abafuna ukunikeza abasebenzisi babo izinga elengeziwe lokuphepha.
Nakuba ukuze le nkundla ibe nokwenzeka ekuthengiselaneni ubuso nobuso, umthengisi kumele abe seduze nomthengi, lokhu akubalulekile kangako uma isevisi ihlanganisiwe. ukulethwa kweposiokuvumela ukuthengiselana ukuthi kuqedwe ezweni lonke ngaphandle kokuba ibanga elingokoqobo libe yinkinga.
Ukuthunyelwa, ukubuyiselwa kwemali kanye newaranti yobuchwepheshe obusetshenzisiwe
Enye yamandla eLemonpay ukuthi ihlanganisa izixazululo ze ezokuthutha ezikhethekileIzinto zithunyelwa ngezinkampani ezithumela izimpahla eziphezulu, eziletha imikhiqizo lapho iya khona ngokushesha nangokulandelelwa, okusheshisa ukulethwa kwayo futhi kunciphisa ingozi yokulahleka ngesikhathi sokuthutha.
Ipulatifomu inikeza uhlelo lwe- ukubuyisa okungenazingxabanoKungenzeka ukubuyisela umkhiqizo zingakapheli amahora angu-48 kusukela ulethiwe uma ungahambisani nencazelo noma unezinkinga ezazingabonakali ngokushesha. Kulezi zimo, i-Lemonpay ihlanganisa izindleko zokuthumela ukubuyisa, okunikeza ukuthula kwengqondo okukhulu kumthengi uma uthenga, isibonelo, ifoni ephathekayo esetshenzisiwe ebhethri layo noma ezinye izingxenye zayo zingase zingasebenzi.
Uma uthenga noma iyiphi idivayisi kagesi, uyakwazi ukufinyelela ku- kuze kube yizinyanga ezintathu kusukela ngosuku lokuthenga ukukwazi ukulungisa noma ukubuyisela umkhiqizo mahhala; uma nje ipulatifomu itholakale ngesikhathi sokuthengisa, lapho ukuthengiselana kwenziwa yizinhlangothi zombili kanye Ungakhetha inketho ngewaranti, ebiza u-7% wentengo yento.Kungenzeka futhi ukuthola ukubuyiselwa kwemali etshaliwe (okuzokhishwa kuwo u-25%), okuvumela umthengi ukuthi athole iningi lemali ayitshalile uma idivayisi inezinkinga phakathi naleso sikhathi.
Lolu hlobo lwesiqinisekiso lusekelwe ezivumelwaneni no abadayisi bomshuwalense abakhethekileLezi zinkampani zakha izinqubomgomo ezithile zokumboza amadivayisi kagesi asetshenzisiwe. Lokhu kugcwalisa igebe elingaxazululwa yizimakethe ezijwayelekile eziku-inthanethi, okunikeza ikhambi eliseduze nalokho ongakuthola lapho uthenga esitolo sendabuko.
Izinzuzo zabathengisi nabathengi ezitolo eziku-inthanethi
La ukuthengwa kwezinto zobuchwepheshe ezisetshenzisiwe Kugxile kakhulu emphakathini ngokusebenzisa amapulatifomu nezinhlelo zokusebenza ezifana Izinkulungwane Izikhangiso, I-Wallapop o UVibbofuthi iyaqhubeka nokukhula ezweni lethu unyaka nonyaka. Kodwa-ke, lezi zinhlelo zisekelwe ku- ukwethembana phakathi kwabasebenzisiFuthi uma, ngemva kwesikhathi esithile sidlulile kusukela ekuthengeni, kuvela inkinga futhi umthengisi enyamalele kuhlelo lokusebenza, uhlelo lokusebenza alunacala futhi umthengi akanamuntu angaphendukela kuye.
Ngenxa yalesi sizathu, abanye abasebenzisi be-inthanethi bayanqikaza ukuthenga ku-inthanethi phakathi kwabantu ngabanye, kodwa uhlelo lokusebenza I-LemonPay Isinikeza ikhambi lokukhokha eliphephile, ikakhulukazi uma umthengisi nomthengi betholakala ezifundazweni ezikude noma uma ufuna ukwenza inqubo ibe ngochwepheshe isitolo esiku-inthanethi.
Iwebhusayithi yohlelo lokusebenza ibonisa ukuthi yini izinzuzo abazinikezayo kungakhathaliseki ukuthi ungumthengisi noma umthengi:
Izinzuzo ze- umdayisi:
- Ukuthengisa kuyandaIbanga elibonakalayo alisakhi ukungathembani okukhulu kumakhasimende angaba khona, futhi ukufinyelela kwesitolo noma umthengisi ngamunye kuyanda.
- Inkokhelo evikelekileUhlelo lokusebenza lugcina imali yomthengi njengesiqinisekiso sokukhokha, ukuze umthengisi azi ukuthi inani liyatholakala futhi lizokhishwa uma ukulethwa okuphumelelayo sekuqinisekisiwe.
- Ukuthumela kwamahhalaIzindleko zokuthumela sezivele zisusiwe lapho uhlelo lokusebenza lucubungula inkokhelo, futhi baqoqa nephakheji kumthengisi, okwenza inqubo ibe lula. ukuphawula.
Izinzuzo ze- umthengi:
- Ukukhokha okuphephileImali ayithunyelwa kumthengisi kuze kube yilapho kuqinisekiswa ukuthi umkhiqizo otholiwe ulungile futhi usesimweni okuvunyelwene ngaso.
- Isiqinisekiso semali emuvaBaphatha ukuthunyelwa okubuyiselwayo futhi kuqinisekisiwe. imali emuva uma kwenzeka ukuthola umkhiqizo ongalungile noma uma ukulethwa kungenziwanga.
- IzimaliUhlelo lokusebenza lunikeza nenketho yokuthi thenga ngezitolimende ngezivumelwano nezinhlangano ezikhethekile kwezezimali zabathengi, ngaphandle kokuthi lokhu kuthinte inani elitholwe ngumthengisi.
Yiziphi izindleko ezihilelekile?
Umthengi uthatha kuphela ukuthi izindleko zokuthumela, ngenani lama-euro angu-4.90. Futhi umthengisi ucabanga ukuthi izindleko zezimali, cishe u-2% wenani lokuthengiselana, ikhomishini lapho isicelo sihlanganisa khona ukuphathwa kwe-escrow, izinto zokuhamba kanye namathuluzi okulwa nokukhwabanisa.
I-Lemonpay njengesixazululo sezimakethe kanye namamodeli ebhizinisi amasha
Ngaphandle kokusetshenziswa kontanga, i-Lemonpay ihlanganiswe ne izimakethe kanye nama-portal aphakathi abafuna ukunikeza abasebenzisi babo izinkokhelo ze-escrow eziphephile. Isixazululo se-Socialpay (inkampani engumzali ye-Lemonpay) sivumelana namamodeli ebhizinisi edijithali ahlukene: izinsizakalo ngokufunwa, crowdfunding y ukuxoshwaukuhamba nemicimbi, ukuthenga emakethe, futhi-ke, izitolo eziku-inthanethi ezithengisa imikhiqizo emisha noma esetshenzisiwe.
Umthengisi noma ipulatifomu inganquma kanjani futhi nini ukufeza isivumelwano kumthengisi, lungiselela ukubanjwa kwenkokhelo kuze kube yilapho isevisi noma umkhiqizo ulethwa ngendlela efanele, futhi uchaze ngisho nokukhokhwa kwe amakhomishini okuthengisa kubalamuli nokuthi zizoqala ukusebenza ngaphansi kwaziphi izimo. Konke lokhu kuhambisana ne- Imithethonqubo yaseYurophu yokukhokha (i-PSD2), okuqinisekisa izinga eliphezulu lokuthobela imithetho.
Ezitolo eziku-inthanethi, ukuhlanganisa lolu hlobo lwesisombululo kubavumela ukuthi banikeze isipiliyoni sokuthenga esiphephileikakhulukazi ezigabeni ezibucayi njengezinto zikagesi, imikhiqizo evuselelwe noma izinto ezinenani eliphezulu, okuqinisa ukwethembana nokuthuthukisa amazinga okuguqulwa.
I-Lemonpay izibeka njenge- indlela yokukhokha ekhethekile Yakhelwe ukuthengiselana okuphephile ku-inthanethi, lolu hlelo luhlanganisa i-escrow yasebhange, ukuthunyelwa, ukubuyiselwa kwemali, iziqinisekiso, kanye nokuxhaswa ngezimali. Kumaphrojekthi e-commerce kanye nezimakethe ezifuna ukuzihlukanisa ngokuphepha nokuthembana, ukuhlola ukuhlanganiswa kwayo kungaba ithuluzi eliwusizo lokukhulisa ukuthengisa nokunciphisa izinkinga zokukhokha.
Ulwazi olwengeziwe: https://lemonpay.me/